JP5955652B2 - Non-cash payment management apparatus and non-cash payment management method - Google Patents

Description

  The present invention relates to a non-cash payment management apparatus and a non-cash payment management method that increase the weight of cashless payment.

  Conventionally, payments for various products and services can be made using electronic money or credit cards, etc. without using cash at every place related to daily life, such as retail stores, restaurants, convenience stores, companies and schools. There are many systems for making it convenient to use electronic money and the like. These systems are used for cash processing such as payment and settlement, using electronic media such as IC cards instead of cash, so that you can shop without having to carry cash and have the convenience of shortening the processing time. It is done. Such a system that performs payment without using cash is referred to as a cashless system, but in recent years, such a system has been remarkably developed.

  By introducing a cashless system, payment can be made without cash on hand, it is not necessary to carry a lot of coins, and the details of purchased items and payments can be accurately grasped. On the store side, there are advantages in terms of safety and efficiency, such as reducing administrative costs for handling cash and eliminating human errors, and reducing the amount of cash placed in the store leads to crime prevention measures.

  Furthermore, since cash, especially coins, etc. are in contact with an unspecified number of human hands and are not usually washed, there is a possibility that pathogens such as bacteria and viruses harmful to the human body are attached in large quantities. is there. Therefore, if handling of cash is eliminated by introducing the cashless system, the possibility of infection can be reduced (see, for example, Patent Document 1).

JP 2002-245166 A

  On the other hand, the conventional cashless system of a postpay method using a credit card or post-pay electronic money is very convenient because it can be purchased in accordance with a payment schedule even if cash is insufficient at the present time. However, it may induce impulse purchases for the user, and it is difficult to feel that it has been used, so the total amount may reach an unexpectedly high amount even if the amount is not significant. In the worst case, troubles such as inability to settle may occur.

  As described above, the convenience of the cashless system is high, but in order to promote the use of the cashless system, it is necessary to simultaneously establish a measure for suppressing excessive use. That is, while promoting the use of the cashless system by the user, it is necessary to reduce the risk that is likely to occur in the postpaid cashless system.

  The present invention has been made in view of the above-mentioned problems, and in order to prevent a cashless system from being used excessively while avoiding excessive use of a postpaid cashless system, the specific gravity of non-cash payment with respect to cash payment is increased. An object is to provide a non-cash payment management device that can be enhanced.

  In order to solve the above-described problems, the non-cash payment management apparatus and the non-cash payment management method according to the present invention employ the following characteristic configuration.

  (1) According to the first aspect of the present invention, cash payment information acquisition means for acquiring information related to payment by cash, and non-cash payment information for acquiring non-cash payment information paid by a credit card and post-pay electronic money Based on the information acquired by the acquisition unit and the non-cash payment information acquisition unit, whether or not the cumulative non-cash payment amount in the form of the non-cash payment in a predetermined period exceeds a first predetermined amount The non-cash payment amount determining means for determining, and the non-cash payment amount determining means for determining the non-cash payment amount determining means to determine that the non-cash payment amount does not exceed the first predetermined amount in the predetermined period; Based on the information acquired by the information acquisition means, a cumulative cash payment amount for the predetermined period is calculated, and the calculated cumulative amount is calculated. Use ratio determination means for determining whether a ratio of the cumulative non-cash payment amount to a typical cash payment amount exceeds a predetermined value, and the usage ratio determination means, wherein the accumulation is performed during the predetermined period. If the ratio of the cumulative non-cash payment amount to the typical cash payment amount is determined to be larger than the predetermined value, point allocation means for assigning a predetermined point to a user of the financial institution according to the value; In the predetermined period, when the non-cash payment amount determination unit determines that the cumulative non-cash payment amount exceeds the first predetermined amount, information for calling the user is provided. There is provided a non-cash payment management device comprising a notice information providing means.

  With this configuration, the non-cash payment management device according to the present invention determines whether or not non-cash payment by a post-payment method such as a credit card or post-pay electronic money in a predetermined period exceeds the first predetermined amount. When determining that the ratio of non-cash payment amount to the amount of cash payment exceeds the predetermined ratio when it is determined that it does not exceed while constantly determining, points are determined when it is determined that it exceeds It is trying to grant. The first predetermined amount is, for example, a cautionary amount that is considered to be caution if the user exceeds it, and is guided to increase the specific gravity of non-cash payments within the range of this cautionary amount (within an appropriate range). To do. Therefore, it is possible to increase the weight of non-cash payments while reducing the use of cash and preventing excessive use of a postpaid cashless system.

  Here, “non-cash payment” means post-payment payment by credit card and postpay electronic money, whereas “cash payment” means debit card or prepaid electronic payment in addition to so-called cash payment. Includes payment by money. Since debit cards are debited immediately from the bank account at the same time as payment, it is equivalent to withdrawing and paying cash from the bank account on the spot, and prepaid electronic money cards are charged when charging to the card. This is because it is considered as a kind of “cash payment”. That is, it should be noted that the debit card and the prepaid electronic money are part of the cashless system, but are included in “cash payment” in the embodiment described later.

  (2) According to the second aspect of the present invention, the non-cash payment management device described above includes a user route detection means for accumulating user position information and detecting a daily travel route, and a facility capable of non-cash payment. And map information storage means storing map information including information relating to cash-in / out facilities, the map information stored in the map information storage means, and the user route information detected by the user route detection means And a facility specifying means for detecting and providing information relating to the non-cash payable facility and the cash-in / out facility.

  With this configuration, the non-cash payment management device according to the present invention detects a route that is routinely used by continuously acquiring the position of the user. And non-cash payment facilities provided near the route used by the user, that is, retail stores, restaurants, convenience stores, etc., and use of ATMs and debit cards for taking in and out cash or for obtaining information Possible facility locations can be detected. Therefore, the convenience of the entire cashless system can be improved by providing this information to the user in association with the route information.

  (3) According to the third aspect of the present invention, the non-cash payment management device further includes the non-cash payment amount determination means based on the information acquired by the non-cash payment information acquisition means. It is determined whether the cumulative non-cash payment amount in a period exceeds a second predetermined amount that exceeds the first predetermined amount, and the non-cash payment management device, in the predetermined period, When the non-cash payment amount determination unit determines that the cumulative non-cash payment amount exceeds the second predetermined amount, the non-cash payment amount determination unit further includes a non-cash payment restriction unit that restricts payment in the form of the non-cash payment. be able to.

  With this configuration, the non-cash payment management device according to the present invention allows a non-cash payment to be immediately made when payment by non-cash payment by a payment mode other than cash in a predetermined period exceeds a second predetermined amount (usage limit). Payment by payment can be stopped. Therefore, excessive use of postpaid non-cash payments can be prevented. Further, if the second predetermined amount is set to be equal to or less than the deposit balance of the financial institution, for example, it is possible to prevent the payment by non-cash payment from exceeding the deposit balance.

  (4) According to the fourth aspect of the present invention, the non-cash payment management device described above is further configured based on the information acquired by the cash payment information acquisition unit and the information acquired by the non-cash payment information acquisition unit. Detailed information providing means for supplying information for providing information relating to the details of withdrawals and non-cash payments can be provided.

  With this configuration, the non-cash payment management device according to the present invention can accurately provide cashless payment details, for example, in response to a user request. Since the convenience of cashless payment increases, the frequency of use of the cashless system can be increased.

(5) According to the fifth aspect of the present invention, a cash payment information acquisition step for acquiring information related to payment by cash, and non-cash payment information for acquiring non-cash payment information paid by a credit card and post-pay electronic money Based on the information acquired in the acquisition step and the non-cash payment information acquisition step, whether or not a cumulative non-cash payment amount in the form of the non-cash payment in a predetermined period exceeds a first predetermined amount When the non-cash payment amount determination step determines and the non-cash payment amount determination step determines that the non-cash payment amount does not exceed the first predetermined amount in the predetermined period, the cash payment Cumulative cash payment amount in the predetermined period based on the information acquired by the information acquisition step A utilization ratio determination step for determining whether or not a ratio of the cumulative non-cash payment amount to the calculated cumulative cash payment amount exceeds a predetermined value; and the utilization ratio determination step, In a predetermined period, when it is determined that the ratio of the cumulative non-cash payment amount to the cumulative cash payment amount is larger than the predetermined value, a predetermined point is used by a financial institution according to the value. If the cumulative non-cash payment amount exceeds the first predetermined amount by the non-cash payment amount determination step in the predetermined period and the point allocation step assigned to the user, There is provided a program for causing a computer to execute an attention information providing step for providing information for prompting attention.

  With this configuration, the non-cash payment management method according to the present invention always determines whether or not non-cash payment by a payment mode other than cash in a predetermined period, that is, payment by post-payment does not exceed a predetermined amount. When it is determined that it does not exceed, the ratio of the amount of non-cash payment to the amount of cash payment exceeds the predetermined ratio, and points are determined when it is determined that the ratio exceeds ing. Therefore, it is guided to increase the specific gravity on the premise of preventing excessive use of postpaid payments, so that the non-cash payment is increased relative to cash payments while preventing excessive use of postpay that users are concerned about be able to.

  According to the non-cash payment management apparatus and the non-cash payment management method of the present invention, it is possible to increase the specific gravity of non-cash payments while reducing the use of cash and preventing excessive use of a postpaid cashless system.

FIG. 1 is a diagram illustrating a configuration example of a cashless system including a management apparatus according to an embodiment of the present invention. It is a figure which shows an example of a function structure of the management apparatus of FIG. It is a flowchart which shows an example of the cashless payment process of embodiment performed by the cashless system containing the management apparatus of FIG. It is a figure which shows an example of the detail displayed by the cashless system containing the management apparatus of FIG. 1, when the [withdrawal inquiry] button is pushed. It is a figure which shows an example of the map which shows the nearest facility which receives the non-cash payment displayed by the cashless system containing the management apparatus of FIG. 1 by the instruction | indication from a user.

  Hereinafter, a preferred embodiment of a non-cash payment management apparatus (hereinafter referred to as “management apparatus”) according to the present invention will be described with reference to the accompanying drawings. Needless to say, the management apparatus may be implemented as a management program that can be executed by a computer, or the management program may be recorded on a computer-readable recording medium.

<Configuration example of cashless system>
FIG. 1 is a diagram illustrating a configuration example of a cashless system including a management apparatus according to an embodiment of the present invention.

  The cashless system shown in FIG. 1 includes a credit card 12, an electronic money card 22, a cash card 42, a credit card terminal 11, an electronic money terminal 21, a debit card terminal 31, an ATM 41, a credit management server 10, and an electronic money management server. 20, a debit management server 30, a financial institution server 40, a management device 50 according to an embodiment of the present invention, and a network 60.

  The credit card 12 and the electronic money card 22 are cards that are carried and used by the user for various payments, and the cash card 42 is a card that is carried and used by the user to withdraw cash. Further, the cash card 42 can be paid by using it as a debit card.

  The credit management server 10 executes a payment process using credits in conjunction with the financial institution server 40 that manages the account of the user's financial institution. The credit card terminal 11 is a terminal that accepts payment using the credit card 12, and reads information for identifying a user and information related to an account stored in the credit card 12, and the payment information and the user's information as necessary. The operation information is communicated with the credit management server 10 through a dedicated line (not shown), and payment processing by the user's credit card is executed.

  The electronic money management server 20 executes a payment process using post-pay type electronic money in conjunction with a financial institution server 40 that manages an account of a user's financial institution. The electronic money terminal 21 is a terminal that accepts payment using a post-pay electronic money card 22 (hereinafter simply referred to as an electronic money card 22). Information that identifies a user stored in the electronic money card 22, information about an account, and the like. The payment information and the user's operation information are communicated with the electronic money management server 20 through a dedicated line (not shown) as necessary, and a payment process using the user's electronic money is executed.

  The debit management server 30 executes a payment process using a debit card in conjunction with a financial institution server 40 that manages an account of a user's financial institution. The debit card terminal 31 is a terminal that accepts payment using the cash card 42, reads information identifying the user and information related to the account stored in the cash card 42, and if necessary, the payment information and the user's The operation information is communicated with the payment information through a dedicated line (not shown) with the debit management server 30 to execute a payment process by the user's debit card.

  The financial institution server 40 is a server that manages the account of the user's financial institution, and manages and uses all information related to the user's account including information for identifying the user and balance, deposit, withdrawal, etc. In accordance with the request of the person, processing such as deposit and withdrawal is executed in the ATM 41 and Internet banking.

  The ATM 41 is a terminal for a user to withdraw cash using a cash card 42 in conjunction with an account managed by the financial institution server 40. The ATM 41 communicates with the financial institution server 40 through a dedicated line (not shown). Executes a cash withdrawal process that reads information for identifying a user and information related to an account stored in 42 and transmits user operation information, position information, and payment information to the financial institution server 40 as necessary. To do.

  The management device 50 includes information on payment using the credit card 12, the electronic money card 22, and the cash card 42 (debit card) and information for identifying the user, the credit management server 10, the electronic money management server 20, In addition, the cash withdrawal details of the user can be obtained from the financial institution server 40, and points can be requested from the server to the users as necessary. It is a device that can.

  The network 60 includes a dedicated line or a VPN (Virtual Private Network) line constructed on a wide area network such as the Internet.

<Outline of this embodiment>
A user has an account in a financial institution managed by the financial institution server 40 and uses a credit card 12 or a post-pay electronic money card 22 (hereinafter simply referred to as an electronic money card 22 unless otherwise specified) from the account. And make non-cash payments. Further, the user uses the cash card 42 to withdraw cash at the ATM 41 and make a cash payment, or uses the cash card 42 as a debit card and makes a payment according to the cash payment.

  In the present embodiment, in order to facilitate the description, the description will be made on the assumption that the payment by the user's cash coincides with the sum of the cash used at the ATM 41 or the bank counter and the usage amount of the debit card. That is, the amount withdrawn from the account of the financial institution managed by the financial institution server 40 and the use amount of the debit card are regarded as the amount of payment by the user's cash. The credit card 12, the electronic money card 22, and the cash card 42 (debit card) are all withdrawn from the account of the financial institution managed by the financial institution server 40, and the management device 50 is based on information from the financial institution. To manage the status of payments by users and non-cash payments.

  The management device 50 monitors the user's cash withdrawal and non-cash payments, and gives points based on the ratio of non-cash payments to cash payments. The cashless payment process is controlled by, for example, stopping the granting of the credit card, issuing a warning, or stopping the payment other than cash. Details of the cashless payment process will be described later. In this way, it is possible to increase the specific gravity of non-cash payments relative to cash payments, and to prevent excessive use of non-cash payments (postpay) that the user is concerned about.

<Configuration example of management device>
In the present embodiment, the management device 50 includes a main control unit 51, a communication unit 52, and a storage unit 53, as shown in FIG. The storage unit 53 includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like (not shown), and stores programs and data necessary for executing various payment processes. The communication unit 52 performs various communications via the network 60. The function of the main control unit 51 is realized by a CPU (not shown) reading various programs and data stored in the storage unit 53.

  The main control unit 51 monitors the user's cash withdrawal and non-cash payments, gives points based on the ratio, sets an upper limit for non-cash payments, and stops payment when the upper limit is exceeded. Control payment processing. Details of the cashless payment process will be described later.

  The management device 50 sends information for payment using the credit card 12, the electronic money card 22, and the cash card 42 and information for identifying the user via the communication unit 52 and the network 60 to the credit management server 10, the electronic money. It can be acquired in real time from the management server 20 and the debit management server 30, and if necessary, the suspension of the payment is stopped by the financial institution server 40 or the credit management server 10, the electronic money management server 20, and the debit management. The server 30 is requested.

  Further, the management device 50 can acquire the cash withdrawal details of the user from the financial institution server 40 via the communication unit 52 and the network 60, and if necessary, grant points to the user by the financial institution server 40 or The credit management server 10, the electronic money management server 20, and the debit management server 30 are requested.

  The management device 50 may be installed in the financial institution server 40 that manages the account of the user's financial institution, or the credit management server 10, the electronic money management server 20, the debit management server 30, and the financial institution server 40. It may be installed as a third party organization independent of the above, or may be installed in any of the above companies.

  Credit management managed by a financial institution through a credit card terminal 11 provided at a predetermined location, such as a retail store, a restaurant, or a convenience store, when a user uses the credit card 12 to settle payment. The process is performed with the server 10. The credit management server 10 communicates with the financial institution server 40 to identify an account held by the user and make a cashless payment. Information about the user and details such as the date, place, and breakdown of payment are sent from the credit management server 10 to the management device 50 via the network 60 and stored in the storage unit 53 of the management device.

  When the user uses the electronic money card 22 to make payment, the electronic money managed by the financial institution via the electronic money terminal 21 provided at a predetermined place such as a retail store, a restaurant, or a convenience store. The processing is performed with the money management server 20. The electronic money management server 20 communicates with the financial institution server 40 to identify an account held by the user and make a cashless payment. Information regarding the user and details such as the date, place, and breakdown of payment are sent from the electronic money management server 20 to the management device 50 via the network 60 and stored in the storage unit 53 of the management device. .

  When a user uses a debit card (when using the cash card 42 as it is or when a dedicated card is issued) to pay for the payment, it can be placed in a predetermined place such as a retail store, a restaurant, or a convenience store. The processing is performed with the debit management server 30 managed by the financial institution via the provided debit card terminal 31. The debit management server 30 communicates with the financial institution server 40 to identify an account held by the user, and pays with a debit card. Information regarding the user and details such as the date, place, and breakdown of payment are sent from the debit management server 30 to the management device 50 via the network 60 and stored in the storage unit 53 of the management device.

  When the user uses cash to make payment, the user operates the ATM 41 installed at a predetermined location using the cash card 42 to withdraw cash. Cash withdrawal processing is performed between the financial institution server 40 and the ATM 41 managed by the financial institution. Information about the user and the date and place where payment was made is sent from the financial institution server 40 to the management device 50 via the network 60.

  As already explained, in this embodiment, it is assumed that the cash used by the user is always withdrawn from the account of the financial institution managed by the financial institution server 40. In other words, cash withdrawn from the account of a financial institution is used for all cash payments. Specifically, for a predetermined period, for example, every month, information on cash withdrawn from a financial institution account managed by the financial institution server 40 by various means including not only the cash card 42 but also a bankbook. Is sent from the financial institution server 40 to the management apparatus 50 via the network 60 as a trend of cash payments during a predetermined period.

  FIG. 2 is a diagram illustrating an example of a functional configuration of the management device 50.

  In the present embodiment, in order to realize various processes according to the present invention, the main control unit 51 of the management device 50 includes a cash payment information acquisition unit 511, a non-cash payment information acquisition unit 512, as shown in FIG. Non-cash payment amount determination means 513, usage ratio determination means 514, point allocation means 515, caution information provision means 516, non-cash payment restriction means 517, detailed information provision means 518, and user route detection means 519 And the function with the facility specification means 520 is implement | achieved, and the memory | storage part 53 comprises the map information storage means 531. FIG.

  Cash payment information acquisition means 511, non-cash payment information acquisition means 512, non-cash payment amount determination means 513, usage ratio determination means 514, point allocation means 515, provision of caution information executed under the control of the main control unit 51 Functions of the means 516, the non-cash payment restricting means 517, the detailed information providing means 518, the user route detecting means 519, the facility specifying means 520, and the map information storage means 531 will be described.

  The cash payment information acquisition unit 511 receives the cash withdrawal information from the financial institution account 40 managed by the financial institution server 40 and the debit card usage information from the debit management server 30 via the communication unit 52. get. The cash withdrawal information may include a debit amount for account transfer such as a utility bill. The acquired information is stored in the storage unit 53 of the management device 50. As described above, in the present embodiment, the cash withdrawn from the account of the financial institution managed by the financial institution server 40 and the debit card usage information from the debit management server 30 are used for calculating the cash payment amount. That is, the total of both is treated as the amount paid in cash. Note that prepaid electronic money requiring a cash charge or cash purchase is included in the cash payment.

  The non-cash payment information acquisition means 512 communicates with the credit management server 10 and the electronic money management server 20 via the communication unit 52, and from the account of the user's financial institution managed by the financial institution server 40, Acquire non-cash payment information paid by means of payment other than cash, including credit cards and post-pay electronic money. The acquired information is stored in the storage unit 53 of the management device 50. An electronic money card whose usage amount is automatically charged to a credit card is a post-pay electronic money card. Such post-pay electronic money cards are charged into the credit card usage amount (non-cash payment) when charged to the electronic money card, and products and services can be purchased using this electronic money card. Information at that time is not included in either non-cash payments or cash payments.

  Based on the information acquired by the non-cash payment information acquisition unit 512, the non-cash payment amount determination unit 513 has a cumulative non-cash payment amount in a predetermined period, for example, a payment form other than cash in the payment month, as a first value. It is determined whether or not a predetermined amount has been exceeded. As already explained, postpaid payments, i.e. non-cash payments, are very convenient, but they can induce impulse purchases for users, resulting in unexpectedly high usage charges, There is a risk that troubles such as unpaid will occur.

  For this reason, an upper limit is set for a system that encourages non-cash payments, and if this upper limit is exceeded, processing that recommends non-cash payments, such as points given later, should not be performed. There is a need. As described above, in this embodiment, the first predetermined amount is set as a guideline for stopping the process for encouraging non-cash payments, thereby reducing the risk that is likely to occur in non-cash payments. . Furthermore, in this embodiment, the predetermined period is the payment month, and the first predetermined amount may be set by the user, or may be set by the financial institution based on the consumption trend and income of the user. Also good. Note that the cumulative total amount of non-cash payments in a payment mode other than cash in a predetermined period calculated by the non-cash payment information acquisition unit 512 is stored in the storage unit 53.

  When the non-cash payment amount determination unit determines that the non-cash payment amount does not exceed the first predetermined amount, the usage ratio determination unit 514 determines a predetermined period based on the information acquired by the cash payment information acquisition unit. In this embodiment, the cumulative cash withdrawal amount in the payment month is calculated, and the ratio of the cumulative non-cash payment amount acquired by the non-cash payment information acquisition means to the calculated cash withdrawal amount is a predetermined value. It is determined whether it has been exceeded. Note that the cumulative total amount of cash payments for a predetermined period calculated by the usage ratio determining unit 514 is stored in the storage unit 53.

  As already explained, postpay payments are convenient. When it is determined by the non-cash payment amount determination means 513 that the payment by post-payment does not exceed the first predetermined amount, that is, the user does not use excessively, the management device 50 of the present embodiment Encourage postpay payments.

  More specifically, the usage ratio determination unit 514 calculates the cumulative cash payment amount for a predetermined period, in this embodiment, based on the information acquired by the cash payment information acquisition unit 511, in this embodiment, and calculates It is determined whether or not the ratio of the cumulative non-cash payment amount in the predetermined period acquired by the non-cash payment information acquisition unit 512 to the cash payment amount, that is, the payment month, exceeds a predetermined value.

  The point allocation unit 515 determines that the ratio of the cumulative non-cash payment amount to the cumulative cash payment amount is greater than the predetermined value by the usage ratio determination unit 514 for a predetermined period, that is, the payment month. Allocates predetermined points to users of financial institutions according to the value. In this embodiment, when the ratio value exceeds a predetermined value, points are assigned according to the value. The point information is added to the financial institution account information managed by the financial institution server 40 via the communication unit 52. The user can be given privileges such as provision of a predetermined service or product, cash exchange with cash, etc. according to the points given.

  The attention information providing unit 516 determines that the cumulative non-cash payment amount exceeds the first predetermined amount by the non-cash payment amount determination unit via the communication unit 52 in a predetermined period, that is, the payment month. If so, provide information to alert the card user. When the user uses the credit card terminal 11, the electronic money terminal 21, the debit card terminal 31, the ATM 41, etc., the caution information providing means 516 is, for example, “Payment by postpay is increasing. The information of the message such as “points will also be canceled” is added to the account information of the financial institution managed by the financial institution server 40, and the user can use the credit card terminal 11, electronic money terminal 21, debit card terminal 31 or When trying to use the ATM 41 or the like, the message may be displayed. Alternatively, the message may be transmitted via the communication unit 52 to a terminal such as a mobile phone or a computer owned by the user.

  Even if the first predetermined amount described above is exceeded, the user may continue to make non-cash payments. In such a case, there is a possibility that a user will be paid an unexpectedly high usage fee, and that troubles such as unpaid fees may occur. Therefore, the management device 50 further sets a second predetermined amount, and when this amount is exceeded, the non-cash payment itself is impossible.

  More specifically, the non-cash payment amount determination means 513 is based on the information acquired by the non-cash payment information acquisition means 512 and is cumulative non-cash in a predetermined period, for example, a payment form other than cash in the payment month. It is determined whether or not the payment amount exceeds a second predetermined amount.

  When the non-cash payment amount determination means determines that the cumulative non-cash payment amount exceeds the second predetermined amount during the predetermined period, the non-cash payment restriction means 517 pays in a payment form other than cash. Is impossible. For example, the non-cash payment restricting means 517 may instruct the financial institution server 40 to make payment in a form other than cash from the user's account impossible, the credit management server 10, the electronic money The management server 20 and the debit management server 30 may be instructed to make payment other than cash payment from the user's account impossible. For example, the second predetermined amount is preferably set to be equal to or less than the deposit balance of the financial institution. This is because non-cash payments can be prevented from exceeding the deposit balance.

  The detailed information providing unit 518 extracts the detailed information of the user from the information stored in the storage unit 53 in response to a request from the user. The user's detailed information refers to information about the user and the details such as the date, place, breakdown, payment amount by cumulative cash or payment amount by postpay. Further, the detailed information providing means 518 sends the detailed information of the user thus extracted via the communication unit 52 to the user together with a message such as “Payment by postpay is increasing” as necessary. provide.

  Specifically, for example, a cashless related information display button or the like is provided on a display screen of a terminal such as ATM 41 or Internet banking, and the detailed information providing unit 518 responds to the operation of the cashless related information display button by the user. You may make it extract a user's detailed information from the information memorize | stored in the memory | storage part 53. FIG. The detail information providing means 518 adds a message such as “Payment by post-payment is increasing” along with the detail information extracted in this way, and sends it to the ATM 41 via the communication unit 52. The ATM 41 can provide the detailed information acquired in this way to the user by displaying it on the screen. Alternatively, the detailed information providing unit 518 may transmit the above detailed information to the user's terminal via the communication unit 52 in accordance with the operation of a terminal such as a mobile phone or a computer operated by the user.

  The user route detection means 519 accumulates user location information obtained based on radio waves emitted from a mobile phone or the like possessed by the user via the communication unit 52, and detects a route that the user uses everyday. Or when a user operates terminals, such as the credit card terminal 11, the electronic money terminal 21, the debit card terminal 31, and ATM41, you may make it acquire positional information from each terminal.

  The map information storage unit 531 stores map information including information regarding facilities that can be paid non-cash, and is included in the storage unit 53.

  The facility specifying unit 520 detects information on the nearest facility where non-cash payment is possible based on the map information stored in the map information storage unit 531 and the user route information acquired by the user route detection unit 519. Provide to users.

  Specifically, a cashless compatible facility display button or the like is provided in the ATM 41, and the facility specifying unit 520 responds to the operation of the cashless compatible facility display button by the user with the information stored in the map information storage unit 531 and the ATM 41. The nearest facility where non-cash payment is possible may be extracted from the information on the current position acquired from. The information regarding the facility is not limited to information regarding the location of the facility that accepts non-cash payments, and may include information such as the type of the store where the facility exists and the relationship between the location where the facility is installed and the commuting route. The facility specifying means 520 sends the information regarding the non-cash payable facility extracted in this way to the ATM 41 via the communication unit 52.

  The ATM 41 provides the user with a non-cash payable facility acquired in this way by displaying it on the screen. For this reason, the ATM 41 can provide information on a facility where non-cash payment is possible, in association with the current location, the type of the store where the facility is installed, the relationship between the location where the facility is installed and the commuting route, and the like. Alternatively, the facility specifying means 520 sends information related to the non-cash payable facility to the user's terminal via the communication unit 52 according to the operation of the terminal such as a mobile phone or a computer operated by the user. May be. Based on this information, the user's terminal displays information about the facility where non-cash payment is possible, in association with the current location, the type of the store where the facility is installed, the location where the facility is installed and the commuting route, etc. Can be provided to users.

  Cash payment information acquisition means 511, non-cash payment information acquisition means 512, non-cash payment amount determination means 513, usage ratio determination means 514, point allocation means 515, and caution information provision means executed under the control of the main control unit 51 516, non-cash payment restriction means 517, detailed information providing means 518, user route detection means 519, facility specifying means 520, map information storage means 531, details of the processing executed by the following cashless payment processing Further explanation will be given.

<Example of processing by management device>
Next, an example of cashless payment processing in the present embodiment will be described using the flowchart of FIG.

  FIG. 3 is a flowchart showing an example of a cashless payment process executed by a cashless system including the management device 50 of FIG.

  In the cashless payment process, the credit management server 10, the electronic money management server 20, that the user has made some payment via the credit card terminal 11, the electronic money terminal 21, or the debit card terminal 31, Alternatively, it is started when the management device 50 is notified via the debit management server 30.

  In step S <b> 1, the main control unit 51 of the management device 50 acquires information for identifying the user from the terminal that has accepted the payment via the communication unit 52 and the network 60.

  In step S <b> 2, the non-cash payment information acquisition unit 512 of the management device 50 transmits the credit management server 10, the electronic money management server 20, and the debit management server 30 via the communication unit 52 and the network 60. The information specifying the user is transmitted, and the non-cash payment amount E within the predetermined period of the user is acquired from the credit management server 10, the electronic money management server 20, and the debit management server 30. The non-cash payment amount E is a total amount accumulated by the user using the credit card 12 and the electronic money card 22.

  In the present embodiment, the predetermined period is a period from the first day of the month to the day of the payment.

  In step S3, the non-cash payment amount determination means 513 of the management device 50 determines whether or not the non-cash payment amount E acquired in step S2 exceeds a predetermined upper limit amount U.

  The upper limit amount U is the upper limit of the total payment amount other than cash that is stopped when the upper limit amount U is exceeded, and corresponds to the second predetermined amount of the present invention. The upper limit amount U is preferably set to be equal to or less than the deposit balance of the financial institution, for example. This is because it is possible to prevent postpaid payment from exceeding the deposit balance. If the non-cash payment amount E exceeds the upper limit amount U, YES is determined in step S3, and the process proceeds to step S4.

  In step S <b> 4, the non-cash payment restriction unit 517 of the management device 50 controls payment non-permission to the terminal that has made the payment via the communication unit 52 and the network 60. Specifically, an error message indicating that payment cannot be made is displayed on the terminal, and the user is denied payment. As a result, the cashless payment process ends.

  On the other hand, if the non-cash payment amount E does not exceed the upper limit amount U, NO is determined in step S3, and the process proceeds to step S5.

  In step S5, the non-cash payment amount determination unit 513 of the management device 50 determines whether or not the non-cash payment amount E acquired in step S2 exceeds a predetermined attention amount W.

  The caution amount W is an amount that gives a notice to the user that the amount of payment other than cash is approaching the upper limit when exceeding the caution amount W, and corresponds to the first predetermined amount of the present invention. If the non-cash payment amount E exceeds the caution amount W, YES is determined in step S5, and the process proceeds to step S6.

  In step S6, the caution information providing unit 516 of the management device 50 notifies the user that the payment amount other than cash is approaching the upper limit. The notice of the notice is sent to the user's mobile phone registered in advance via the communication unit 52, such as “Payment by postpay is increasing. Please note. Points will also be cancelled.” Or the caution information providing means 516 may send the above message to a cash or non-cash payable facility such as ATM 41 or Internet banking operated by the user via the communication unit 52. It may be transmitted to display the message.

  Thereafter, the process proceeds to step S12 described later, the payment is permitted, and the cashless payment process ends. That is, the process of giving points to be described later is not performed.

  On the other hand, if the non-cash payment amount E does not exceed the caution amount W, NO is determined in step S5, and the process proceeds to step S7. In step S7, the cash payment information acquisition unit 511 of the management device 50 transmits information identifying the user to the financial institution server 40 via the communication unit 52 and the network 60, and the cash withdrawal amount C of the user is determined. To get. The cash withdrawal amount C is the total amount of cash and debit card usage amount withdrawn from the financial institution's window or ATM 41 within the predetermined period.

  In step S8, the point allocation means 515 of the management apparatus 50 calculates the ratio R of the non-cash payment amount E acquired in step S2 to the cash withdrawal amount C acquired in step S7.

  In step S9, the point allocation means 515 of the management device 50 determines whether or not the ratio R of the non-cash payment amount E to the cash withdrawal amount C calculated in step S8 exceeds a predetermined ratio, which is a predetermined value in this embodiment. to decide.

  If the ratio R does not exceed the predetermined value, NO is determined in step S9, the process proceeds to step S12 described later, payment is permitted, and the cashless payment process ends. That is, the process of giving points to be described later is not performed.

  On the other hand, when the ratio R exceeds a predetermined value, it is determined as YES in Step S9, and the process proceeds to Step S10. In step S10, the point allocation means 515 of the management device 50 calculates the point P based on a predetermined calculation formula using the ratio R and the amount of payment. The predetermined calculation formula may be a formula in which the point P increases as the ratio R increases and the amount of payment increases. In accordance with the points P given in this way, the user is given privileges such as provision of predetermined services or products and cash exchange. Thus, the larger the point P, the more motivated the user is to pay by a method other than cash.

  In step S11, the point allocation means 515 of the management device 50 provides the communication unit 52 and the network so that the points P calculated in step S10 are given to the credit card 12 or the electronic money card 22 used for the payment. 60, the credit management server 10 or the electronic money management server 20 is requested.

  This point P is totaled for every predetermined period and notified to the user. The form of notification may be e-mail, but may be displayed when the user presses the [withdrawal inquiry] button displayed in a facility capable of paying cash or non-cash such as ATM 41 or Internet banking.

  FIG. 4 is an example of a screen displayed when the “withdrawal inquiry” button is pressed. In FIG. 4, “Acquired points to this month” is the total of points P given to the credit card 12 and the electronic money card 22 from the first day of this month to the day of payment. The “current accumulated point” is a total of all points P acquired in the past and not yet used.

  Although the debit card usage amount is included in the cash payment amount in this embodiment, it is generally part of a cashless system, and its usage is considered to be “card payment amount”. You may make it display the ratio of payment amount (cash withdrawal amount) and card payment amount. By doing so, it is possible to visualize the “card usage ratio” (the cashless rate in a broad sense). The points may be adjusted according to the card usage ratio. For example, if the overall card usage ratio exceeds a certain ratio, the points are increased by 5%. Furthermore, as another embodiment, the debit card usage amount may be excluded from the cash payment amount when calculating “non-cash: non-cash usage rate”. In this case, the debit card is not postpaid, so it is not included in non-cash payments and is treated as neutral. By doing so, the points obtained by using the debit card are not reduced, and the use of the entire cashless system is also promoted.

  Since other points are given and used, since they are known techniques, details are omitted.

  Returning to FIG. 3, in step S <b> 12, the main control unit 51 of the management device 50 controls the payment permission for the terminal that has made the payment via the communication unit 52 and the network 60. Specifically, a message indicating that payment is possible is displayed on the terminal, and the user completes payment. As a result, the cashless payment process ends.

<Identification of non-cash payable facilities>
Even if non-cash payment is desired, it may be necessary to find a place of a facility such as a retail store, a restaurant, or a convenience store that accepts non-cash payment.

  As already described, the management device 50 according to the present embodiment provides information related to a facility capable of non-cash payment in response to a request from a user. Specifically, when a cashless compatible facility display button provided in ATM 41 or the like or an inquiry from a user's terminal is received, facility specifying means 520 of management device 50 uses it based on information from ATM 41 or the terminal or the terminal. The current location of the user can be specified, and information regarding the facility where non-cash payment is possible can be sent to the ATM 41 or the like or the user's terminal via the communication unit 52.

  Based on this information, the ATM 41 or the terminal of the user associates the information of the facility that can be paid non-cash with the type of the store where the facility is installed, the relationship between the place where the facility is installed and the commuting route, etc. Provide the user with a map. Of course, it may be displayed together with the current position. An example is shown in FIG. The facilities along the route may be made particularly noticeable, for example, with a symbol attached or displayed in a different color.

  In this way, non-cash payment facilities provided close to the user, that is, retail stores, restaurants, convenience stores, or places where ATMs and debit card can be used for cash out and information acquisition, etc. It can be provided promptly. Therefore, the use frequency of the entire cashless system can be increased by providing this information to the user.

  As described above, the management device 50 always determines whether or not non-cash payment by a payment mode other than cash in a predetermined period exceeds a predetermined amount. Furthermore, the management device 50 gives points only when the payment by post-payment does not exceed the predetermined amount and the ratio of the non-cash payment amount to the cash payment amount exceeds the predetermined amount. In this way, it is encouraged to increase the usage frequency of the entire cashless system on the premise of preventing excessive use of postpayment. Accordingly, it is possible to increase the weight of non-cash payments with respect to cash payments while preventing excessive use of postpay that the user is concerned about.

  On the other hand, if you spend too much money because you don't use cash, you will be warned first, and you will be stopped paying, so you can avoid using it too much.

  The embodiments of the present invention have been described in detail with reference to the drawings. In addition, the above-mentioned embodiment is an essentially preferable illustration, Comprising: It does not intend restrict | limiting the range of this invention, its application thing, or its use.

  In the embodiment described above, the cash payment information acquisition unit 511 treats the sum of the amount of cash withdrawn from the account of the financial institution and the amount of use of the debit card as equivalent to the amount paid by cash. The invention is not limited to this, and the amount paid in cash may be entered, corrected, and updated by the user at any time using ATM 41 or the like, Internet banking, or a mobile phone or personal computer. This makes it possible to accurately calculate the ratio of the non-cash payment amount to the cash payment amount.

  A program constituting software for executing a series of processes is installed on a computer or the like from a network or a recording medium. The computer may be a computer incorporated in dedicated hardware. The computer may be a computer capable of executing various functions by installing various programs, for example, a general-purpose personal computer.

  The recording medium including such a program is not only constituted by a removable storage medium distributed separately from the apparatus main body in order to provide the program to the user, but is also provided to the user in a state pre-installed in the apparatus main body. It is composed of provided recording media. The removable storage medium is composed of, for example, a magnetic disk, an optical disk, a magneto-optical disk, or the like. The optical disk is composed of, for example, a CD-ROM (Compact Disk-Read Only Memory), a DVD (Digital Versatile Disc), or the like. The magneto-optical disk is configured by an MD (Mini-Disc) or the like. In addition, the recording medium provided to the user in a state of being incorporated in advance in the apparatus main body is configured by, for example, the ROM of the management apparatus 50 in which a program is recorded, the storage unit 53, and the like.

  In the present specification, the step of describing the program recorded on the recording medium is not limited to the processing performed in chronological order according to the order, but is not necessarily performed in chronological order, either in parallel or individually. The process to be executed is also included.

DESCRIPTION OF SYMBOLS 10 Credit management server 11 Credit card terminal 12 Credit card 20 Electronic money management server 21 Electronic money terminal 22 Electronic money card 30 Debit management server 31 Debit card terminal 40 Financial institution server 41 ATM
42 Cash Card 50 Management Device 51 Main Control Unit 52 Communication Unit 53 Storage Unit 60 Network 511 Cash Payment Information Acquisition Unit 512 Non-Cash Payment Information Acquisition Unit 513 Non-Cash Payment Amount Determination Unit 514 Usage Ratio Determination Unit 515 Point Allocation Unit 516 Caution Information Providing means 517 Non-cash payment restricting means 518 Detailed information providing means 519 User route detecting means 520 Facility specifying means 531 Map information storage means

Claims (5)

Cash payment information acquisition means for acquiring information related to payment by cash;
Non-cash payment information acquisition means for acquiring non-cash payment information paid by credit card and post-pay electronic money;
Non-cash for determining whether or not a cumulative non-cash payment amount in the form of the non-cash payment in a predetermined period exceeds a first predetermined amount based on information acquired by the non-cash payment information acquisition means Payment amount judgment means,
In the predetermined period, when the non-cash payment amount determination means determines that the non-cash payment amount does not exceed the first predetermined amount, based on the information acquired by the cash payment information acquisition means Usage ratio for calculating a cumulative cash payment amount in the predetermined period and determining whether a ratio of the cumulative non-cash payment amount to the calculated cumulative cash payment amount exceeds a predetermined value A determination means;
When it is determined by the usage ratio determination means that the ratio of the cumulative non-cash payment amount to the cumulative cash payment amount is greater than the predetermined value in the predetermined period, according to the value Point allocation means for allocating predetermined points to users of financial institutions;
In the predetermined period, when the non-cash payment amount determination unit determines that the cumulative non-cash payment amount exceeds the first predetermined amount, the user is provided with information that calls attention to the user. A non-cash payment management device comprising information providing means.   The non-cash payment management device stores user location detection means for accumulating user location information and detecting daily travel routes, and map information including information about facilities capable of non-cash payment and facilities where cash can be taken in and out. The non-cash payable facility and the cash can be taken in and out based on the map information storage means, the map information stored in the map information storage means and the user route information detected by the user route detection means The non-cash payment management device according to claim 1, further comprising: a facility specifying unit that detects and provides information on a complex facility. The non-cash payment amount determination unit is configured to determine a second non-cash payment amount in the predetermined period exceeding the first predetermined amount based on the information acquired by the non-cash payment information acquisition unit. Determine whether the amount exceeds the specified amount,
If the non-cash payment amount determination unit determines that the cumulative non-cash payment amount exceeds the second predetermined amount during the predetermined period, the non-cash payment management device The non-cash payment management device according to claim 1, further comprising non-cash payment restriction means for restricting payment in the form of   Detailed information providing means for supplying information for providing information relating to cash withdrawal and non-cash payment details based on the information acquired by the cash payment information acquiring means and the information acquired by the non-cash payment information acquiring means; The non-cash payment management device according to claim 1, further comprising: A cash payment information acquisition step for acquiring information on payment by cash;
A non-cash payment information acquisition step for acquiring non-cash payment information paid by credit card and post-pay electronic money;
Non-cash for determining whether or not the cumulative non-cash payment amount in the form of the non-cash payment in a predetermined period exceeds the first predetermined amount based on the information acquired by the non-cash payment information acquisition step Payment amount judgment step,
If the non-cash payment amount determination step determines that the non-cash payment amount does not exceed the first predetermined amount in the predetermined period, based on the information acquired by the cash payment information acquisition step Usage ratio for calculating a cumulative cash payment amount in the predetermined period and determining whether a ratio of the cumulative non-cash payment amount to the calculated cumulative cash payment amount exceeds a predetermined value A determination step;
When it is determined in the predetermined period that the ratio of the cumulative non-cash payment amount to the cumulative cash payment amount is larger than the predetermined value in the predetermined period, according to the value A point allocation step of assigning predetermined points to users of financial institutions;
In the predetermined period, when the non-cash payment amount determination step determines that the cumulative non-cash payment amount exceeds the first predetermined amount, the user is provided with information that calls attention to the user. A program for causing a computer to execute the information providing step .

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