JP2018101375A - Card use information processing apparatus, card use information processing method, and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To notify a user's consumption type using a card. SOLUTION: A user information storage unit that stores one or more user information including one or more card usage information having a card usage date, usage amount, payment frequency, and store identifier in association with a user identifier. A judgment information storage unit that stores two or more judgment information, which is a set of condition information using the usage amount and the number of card usage information, and type information indicating the consumption type, and one or more for each user identifier. A judgment information acquisition unit that acquires judgment information including card usage information, and a judgment unit that determines whether or not the judgment information matches each of two or more stored condition information for each user identifier. , A card-using information processing device including a type acquisition unit that acquires type information that is paired with condition information determined to match and a transmission unit that transmits type information notifies the consumption type of the user who uses the card. it can. [Selection diagram] Fig. 1

Description

  The present invention relates to a card use information processing apparatus that processes information related to payment using a card.

  Conventionally, a POS server identifies a good customer from POS data including product identification information, product sales date and store identification information and good customer determination data, and a DB server obtains good customer identification information, POS data, and Stores single item performance data by store per day, identifies POS data of good customers from good customer identification information and POS data acquired from DB server on WEB server, unit of product identification information, product sales date and store identification information Stored as POS related data of excellent customers, and stored the POS related data of the corresponding excellent customers acquired based on the search conditions from the terminal and the individual product result data by store per day, product identification information, product sales date and store Combining in units of identification information, and sending sales information for each customer and good customer product to the terminal, the product purchase of good customers A system capable of notifying a countercurrent was present (e.g., see Patent Document 1).

JP-A-2015-96991

  However, the conventional system cannot notify the type of user consumption using the card.

  The card usage information processing apparatus according to the first aspect of the invention has a card usage date, a card usage amount, the number of payments, and a store identifier for identifying a store using the card in association with a user identifier for identifying the user. A user information storage unit that stores one or more user information including one or more card usage information, condition information that is information about a condition using the usage amount of the card usage information and the number of card usage information, A judgment information storage unit that stores two or more pieces of judgment information that is a set with type information indicating the type of user consumption, and a target that includes one or more card usage information associated with the user identifier for each user identifier. Judgment information acquisition unit that obtains judgment information from the user information storage unit, and for each user identifier, the judgment information matches two or more pieces of condition information stored in the judgment information storage unit A determination unit that determines whether or not, a type acquisition unit that acquires, from the determination information storage unit, type information that is paired with condition information that the determination unit determines to match, and type information acquired by the type acquisition unit A card-use information processing apparatus including a transmission unit.

  With this configuration, it is possible to notify the type of user consumption using the card.

  Further, in the card utilization information processing apparatus of the second invention, in the first invention, when the type acquisition unit determines that the determination unit matches two or more condition information, of the two or more condition information It is a card utilization information processing apparatus which acquires one type information paired with any one of these condition information from a judgment information storage part.

  With this configuration, when two or more types exist for one user, one type can be notified.

  Further, in the card use information processing apparatus according to the third aspect of the present invention, the type acquisition unit calculates a score indicating the degree of matching for each condition information determined to match, This is a card-use information processing apparatus that selects type information that is paired with condition information having the highest score.

  With such a configuration, the best matching type can be notified.

  The card usage information processing apparatus according to the fourth aspect of the present invention shows a card usage specification configured using card usage information for a predetermined period for any one of the first to third inventions. An information configuration unit that configures the card usage detail information and the type information in a form that can be browsed together, and the transmission unit is a card usage information processing apparatus that transmits information configured by the information configuration unit.

  With this configuration, the type of user consumption using the card can be notified together with the card usage details.

  In the card usage information processing apparatus according to the fifth aspect of the present invention, with respect to any one of the first to fourth aspects, the transmitting unit is a card configured using card usage information for a predetermined period. An evaluation information receiving unit which is card usage specification information indicating usage details, transmits card usage specification information having one or more item information corresponding to the card usage information, and receives evaluation information having a user's evaluation for the item information; The card information processing apparatus further includes an evaluation information storage unit that stores the evaluation information received by the evaluation information receiving unit in association with the card usage information corresponding to the item information.

  With this configuration, it is possible to collect evaluations of stores, products, and the like by the user using the card.

  The card utilization information processing apparatus according to the sixth aspect of the present invention provides a search instruction receiving unit for receiving a search instruction having type information and type information possessed by the search instruction for any one of the first to fifth inventions. 1 or more card usage information corresponding to the information, or one or more card usage information corresponding to the information acquired from the one or more card usage information corresponding to the type information included in the search instruction or the type information included in the search instruction. A type-related information acquisition unit that acquires type-related information, which is information acquired using the evaluation information, and a type-related information transmission unit that transmits the type-related information acquired by the type-related information acquisition unit. It is a card utilization information processing apparatus.

  With this configuration, information related to the instructed type can be searched.

  The card usage information processing apparatus according to the seventh aspect of the invention relates to the sixth aspect of the invention, wherein one or more card usage information in the user information storage unit is associated with the evaluation information, The information acquisition unit is a card usage information processing apparatus that acquires type-related information, which is information acquired using evaluation information paired with one or more card usage information corresponding to the type information included in the search instruction.

  With this configuration, the user's evaluation corresponding to the instructed type can be notified.

  In addition, the card information processing apparatus according to the eighth aspect of the invention relates to any one of the first to seventh aspects, wherein the judgment information includes an increase or decrease in the card usage limit, the card usage limit. Card-related information that is one or more of the change information relating to the authorization, or the authorization information indicating that the authorization has been performed, the card usage result information including the information relating to the arrears, cashing or installment payment or revolving payment 1 The card use information processing apparatus includes at least one of card use content information including information on whether or not more than one type of service is used and card use position information.

  With this configuration, the user's consumption type can be determined from multiple aspects.

  According to the present invention, it is possible to notify the type of user consumption using a card.

Block diagram of a processing system in an embodiment Flowchart explaining operation of information processing apparatus using card Flow chart explaining the same usage details transmission process Flowchart explaining the same type transmission process Flow chart for explaining the operation of the terminal device Data structure diagram of the user information Data structure diagram of the same genre information group Data structure diagram of the same information Figure showing output example of the same screen Figure showing another output example of the same screen The figure which shows the example output of the search screen The figure which shows the output example of the same search result screen External view of the computer system The figure which shows an example of the internal configuration of the computer system

  Hereinafter, an embodiment of a processing system including a card utilization information processing apparatus and the like will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in embodiment performs the same operation | movement, description may be abbreviate | omitted again.

  In the present embodiment, an information system including a card usage information processing apparatus 1 that determines and transmits a user's consumption type using one or more card usage information related to card settlement for a predetermined period will be described. .

  Further, regarding the card use information processing apparatus 1 as described above, when the one or more card use information matches two or more conditions, the information system includes the card use information processing apparatus 1 that selects one type. explain.

  An information system including the card use information processing apparatus 1 that transmits the type together with the card use information will be described.

  An information system including the card usage information processing apparatus 1 that transmits a card usage specification and receives a user's evaluation for each item on the card usage specification. Will be described.

  Further, an information system including the card use information processing apparatus 1 that transmits information related to the type when the user designates the type will be described.

  Further, an information system including the card use information processing apparatus 1 as described above, which includes a card use information processing apparatus 1 that transmits an evaluation by a user corresponding to the type when the user designates the type, will be described.

  Further, in the card usage information processing apparatus 1 as described above, in addition to the one or more pieces of card usage information, the limit amount, change of the limit amount, authorization, information on arrears, information on whether or not cashing is being performed An information system including the card use information processing apparatus 1 that determines the consumption type using at least one piece of information among the card use position information will be described.

  FIG. 1 is a block diagram of a processing system in the present embodiment. This processing system includes a card utilization information processing device 1 and one or more terminal devices 2. The card utilization information processing apparatus 1 and the one or more terminal apparatuses 2 are communicably connected via a network such as a LAN or the Internet, a wireless or wired communication line, and the like.

  The card utilization information processing apparatus 1 is, for example, a server of a company that operates this information system, but may be a cloud server on the Internet, and the type and location thereof are not limited. One or more terminal devices 2 (hereinafter, simply referred to as “terminal device 2”) are terminals used by one or more users (hereinafter, sometimes simply referred to as “users”) using this information system. is there. The terminal device 2 is usually a mobile terminal (smart phone, tablet terminal, etc.) or a PC owned by one user, but may be a PC that is shared by two or more users, and is a terminal usable by the user. If there is, the type and whereabouts do not matter.

  The card utilization information processing apparatus 1 includes a storage unit 11, a processing unit 12, a transmission unit 13, and a reception unit 14. The storage unit 11 includes a user information storage unit 111 and a determination information storage unit 112. The processing unit 12 includes a determination information acquisition unit 121, a determination unit 122, a type acquisition unit 123, an information configuration unit 124, an evaluation information storage unit 125, and a type related information acquisition unit 126. The transmission unit 13 includes a type related information transmission unit 131. The receiving unit 14 includes an evaluation information receiving unit 141 and a search instruction receiving unit 142.

  The terminal device 2 includes a terminal storage unit 21, a terminal reception unit 22, a terminal transmission unit 23, a terminal reception unit 24, and a terminal output unit 25.

  The storage part 11 which comprises the card utilization information processing apparatus 1 can store various information. The various information includes, for example, a user identifier, a terminal identifier, user information described later, and determination information described later. The user identifier is information for identifying a user. The user identifier is, for example, an ID (for example, a number such as 1, 2,..., A character such as a, b,..., Or a combination of these), an e-mail address, etc., but is information that can identify the user. Anything is fine. The terminal identifier is information for identifying the terminal device 2. The terminal identifier is, for example, a MAC address, an IP address, an ID, or the like, but any information that can identify the terminal device 2 may be used.

  The storage unit 11 may store, for example, one or more user identifiers, one or more terminal identifiers, and correspondence information thereof. The correspondence information is, for example, a set of user identifiers and terminal identifiers, but the data structure is not limited. However, the user identifier may be used also as the terminal identifier, and in this case, the correspondence information is also unnecessary.

  The user information storage unit 111 stores one or more user information in association with one or more user identifiers stored in the storage unit 11. Note that the association includes the case where the user information has a user identifier. User information is user information and includes one or more card usage information.

  Card usage information is information related to payment using a user's card. The card usage information includes, for example, a card usage date, a card usage amount, the number of payments, and a store identifier that identifies a store that uses the card. Card usage information is usually associated with an ID. The ID may be a number such as 1, 2,. In that case, the card usage information can be identified by a combination of a user identifier and an ID.

  In addition, it is preferable that the user information includes one or more types of information among, for example, card related information, card use result information, card use content information, and card use position information. Card-related information is information related to the card. For example, the card usage limit (hereinafter simply referred to as the limit) may be changed, the change information related to raising or lowering the limit, or authorization. One or more pieces of information are included. Increasing or decreasing the limit is not only automatically increased or decreased depending on the card usage status (for example, usage amount, presence or absence of delay, etc.) , Temporary increases for the purchase of high-priced products, etc.) or cases where it is reduced.

  The authorization is a process for confirming that there is a remaining amount for the usage fee out of the limit amount or that the usage is within the expiration date. The card use result information is information related to the card use result, for example, arrears information. The arrears information is usually information indicating the presence or absence of the arrears, but may include information such as the amount and the number of the arrears. The card usage content information is information regarding the usage content of the card, for example, information indicating whether or not one or more types of services are used among cashing, installment payment, or revolving payment. The card usage content information may include information on the amount of money, the number of times, etc. in addition to the presence / absence of cashing or the like.

  The card usage position information is information relating to the card usage position. The use position is usually the position of the store where the card is used, but may be considered to include the position of the user who uses the card. The location of the store is, for example, the store address, prefecture name, ID, or the like. The store address can be obtained from the ID of the card reader, for example. The position of the user is, for example, latitude / longitude, and the latitude / longitude can be acquired from GPS, for example.

  Note that type information acquired by a type acquisition unit 123 described later may be added to the user information. Note that the addition includes a case where the user information includes type information.

  The determination information storage unit 112 stores two or more pieces of determination information. The determination information is information used for determination by the determination unit 122. Each of the two or more pieces of determination information (hereinafter may be simply referred to as determination information) is, for example, a set of condition information and type information.

  The condition information is information on conditions used for determining the type of consumption. The condition information includes, for example, information related to the condition using the usage amount of the card usage information and the number of the card usage information. The condition information includes, for example, “the amount used is“ average 10,000 yen or more ”and the number of card usage information is“ 1 to 5 ”, and“ the amount is “average less than 3,000 yen” and the number of card usage information is Information such as “10 or more”,...

  The type information is usually information indicating the type of user consumption during a predetermined period. A predetermined period (hereinafter sometimes simply referred to as a period) refers to a unit period of card settlement. The unit period of the card settlement is, for example, one month, October 11 to November 10, etc. The period is usually expressed by a start date and time and an end date and time. However, the period may be expressed by only the start date and time, and the expression format is not limited. Date and time are usually expressed by year, month, day, and time, but the time may be omitted. Specifically, the period is information such as “from September 1, 2016 to September 30, 2016” and “after October 1, 2016”. The storage unit 11 also usually stores period information indicating such a period.

  The type information may be, for example, information such as “one-point luxury type” or “a little bit type”. The one-point luxury type refers to a type that is less frequently used but has a high usage amount (hereinafter, sometimes referred to as one-point luxury principle). The chocochoco type is a type of payment (hereinafter sometimes referred to as chococho principle) in which the usage amount is low but the usage frequency is high.

  The type information may be, for example, type information subdivided by store genre or product classification, such as “fashion single point luxury type” or “gourmet single point luxury type”. The fashion-type single-point luxury type refers to a type in which the card usage at a fashion store (for example, a boutique, a precious metal store, etc.) is less frequently used but the amount of money used per transaction is high. A gourmet single-point luxury type refers to a type with a small amount of use but a high amount of money for a single use when using a card at a gourmet store (for example, a restaurant or a tavern). The stores include, for example, virtual stores on the Internet. The product also includes a service.

  Further, the type information may be, for example, type information relating to the presence or absence of delinquency, such as “Mr. “Sosan” is a type without delay. “Inadvertently” is an overdue type.

  Further, the type information may be, for example, type information related to a payment method such as “clean payment” and “slow payment”. “Clean payment” is a type that uses only a lump sum payment. “Slow payment” is a type that uses services other than lump sum payment such as installment payment and revolving payment.

  The type information includes, for example, “One-point luxury type (solid)”, “One-point luxury type (disappointment)”, “One-point luxury type (solid, clear payment)”, “Slightly small type” Information that combines two or more types such as “payment”) may be used. A one-point luxury type is a one-point luxury type that is not overdue. A one-point luxury type (inadvertently) is a one-point luxury principle and a type that is overdue. A one-point luxury type (a firm, clean payment) is a one-point luxury principle that does not overdue and uses only a lump sum payment. Choko-cho-cho type (firm and relaxed payment) is a type that is non-payment and uses services other than lump-sum payments such as installments and revolving payments.

  The condition information may further include genre information, for example. The genre information is information indicating the genre of the store, for example, “fashion”, “gourmet”,.

  The condition information may further include one or more types of information among, for example, card related information, card usage result information, card usage content information, and card usage position information.

  The processing unit 12 performs various processes. The various types of processes are, for example, processes of the determination information acquisition unit 121, the determination unit 122, the type acquisition unit 123, the information configuration unit 124, the evaluation information storage unit 125, the type related information acquisition unit 126, and the like. The various types of processing include various types of determination described with reference to flowcharts.

  In addition, the processing unit 12 normally configures card usage details information using one or more card usage information for a predetermined period for each user identifier. Card usage details information refers to information indicating details of card usage. The card usage details are information in which the usage date, the usage amount, the number of payments, and the store identifier included in one or more pieces of card usage information in the period are arranged in a predetermined layout. The predetermined layout is, for example, a table format.

  The card usage details information referred to in the present embodiment includes one or more item information corresponding to the one or more card usage information in addition to the card usage details. The item information is information related to the item of the store evaluation identified by the store identifier included in the card usage information. The item information includes, for example, a corresponding card use information ID and an evaluation item. The evaluation items usually include comprehensive evaluation items, and may further include detailed evaluation items. The comprehensive evaluation item is an item related to the comprehensive evaluation of the store or the product. The detailed evaluation items are items relating to evaluation of details of the store, such as customer service, quality, and taste. The card usage information of any store usually includes a comprehensive evaluation item. In addition to this, it is preferable that the restaurant card usage information further includes, for example, item information indicating taste evaluation, and the precious metal store card usage information further includes, for example, item information indicating quality evaluation.

  The processing unit 12 acquires, for example, one or more card usage information for a predetermined period for each user identifier, configures a card usage specification using the one or more card usage information, and the card usage specification. The card usage details information may be configured by adding one or more item information to the. Alternatively, the receiving unit 14 receives the card usage details from an external device such as a card company server, and the processing unit 12 adds one or more item information to the received card usage details, thereby using the cards. Detail information may be configured.

  The determined information acquisition unit 121 acquires determined information from the user information storage unit 111 for each of one or more user identifiers stored in the storage unit 11. The determination target information is information to be determined by the determination unit 122. The determined information is usually each card usage information for a predetermined period, and includes one or more card usage information associated with the user identifier. However, there is no limitation on the period. That is, the determination information may be one or more card usage information associated with the user identifier. It is preferable that the determination target information further includes one or more pieces of information among card related information, card use result information, card use content information, or card use position information.

  It is preferable that the to-be-determined information acquisition unit 121 acquires one or more card usage information for a predetermined period for each user identifier using the period information stored in the storage unit 11. However, the to-be-determined information acquisition unit 121 acquires, for example, one or more card usage information for a predetermined period for each user identifier, and further, card related information, card usage result information, card usage content information, or It is more preferable to acquire one or more pieces of information among the card use position information. The to-be-determined information acquisition unit 121 may acquire user information including all of these pieces of information for each user identifier.

  In addition, the information to be determined includes, for example, a usage amount acquired from one or more pieces of card usage information in a predetermined period and the number of card usage information. The usage amount may be, for example, an individual usage amount acquired from each of the one or more pieces of card usage information, or a total amount of one or more usage amounts, or the total amount divided by the number of card usage information. It may be the average amount.

  Specifically, the determined information acquisition unit 121 selects, for each user identifier, one card usage information from the user information paired with the user identifier, and whether the usage date of the card usage information is within the period. If it is within the period, the process of acquiring the card usage information is repeated until there is no unselected card usage information, thereby acquiring one or more card usage information for a predetermined period. can do.

  Alternatively, the determined information acquisition unit 121 selects, for example, one user identifier, determines whether the user information paired with the user identifier includes the card usage information within the period, When the paired user information includes the card usage information within the period, the process of acquiring the user information is repeated until there is no unselected user identifier, so that one or more card usage information for a predetermined period is obtained. User information including can also be acquired.

  The determination unit 122 determines, for each user identifier, whether the determination target information acquired by the determination target information acquisition unit 121 matches two or more pieces of condition information stored in the determination information storage unit 112. For example, the determination unit 122 may determine that the determination target information matches any one of two or more stored condition information, or determines that the determination target information matches two or more condition information. In some cases, it may be determined that any condition information is not met.

  The type acquisition unit 123 acquires type information that is paired with the condition information determined to be matched by the determination unit 122 from the determination information storage unit 112. When it is determined that any one piece of condition information is matched, the type acquisition unit 123 acquires type information paired with the condition information. Further, when it is determined that two or more pieces of condition information are matched, the type obtaining unit 123 may obtain two or more types of information that are paired with the two or more pieces of condition information.

  Alternatively, if the type acquisition unit 123 determines that the determination unit 122 matches two or more condition information, the type acquisition unit 123 sets one type information paired with any one of the two or more condition information as a determination information storage unit 112 may be obtained. In that case, it is preferable that the type acquisition unit 123 calculates a score indicating the degree of matching for each condition information determined to match, and selects the type information that is paired with the condition information with the highest score. .

  The degree of match may be whether or not they match, or may be a similarity. The similarity is the degree of similarity between the determination target information and the condition information. For example, when one condition information is composed of two or more condition elements, the degree of similarity occupies the number of all condition elements constituting the condition information (hereinafter may be referred to as the total number of elements). It may be the ratio of the number of matching condition elements (number of matching elements). The condition element is an element corresponding to one parameter of the condition. The condition element is, for example, a usage amount, the number of card usage information, and the like. The condition information is usually obtained by combining two or more condition elements with “and” or “or”. The score indicating the degree of match may be expressed by a numerical value between 0 and 1, for example, 1 when all the condition elements are matched and 0 when none of the condition elements are matched. . The numerical value may be, for example, the ratio of the number of matching elements to the total number of elements, or may be a value calculated by a function using the total number of elements and the number of matching elements as variables.

  For example, the acquired determination information matches the condition information “use amount is“ average 10,000 yen or more ”and the number of card use information is“ 1 to 5 ””, and the condition information “use amount is“ If it is determined that the average is 15,000 yen or more, the card usage information number is 1 or more and 2 or less, and the genre information is “fashion”, the type acquisition unit 123, for example, matches the former The degree of matching may be calculated as “2/3” and the degree of matching of the latter may be calculated as “3/3”, and “fashion one-point luxury type” that is the type information with the highest degree of matching may be acquired.

  Further, for example, the acquired information to be judged includes two card usage information whose usage amount is 15,000 yen or more, the genre information is fashion-related, and the usage amount is 5,000 yen or more. If the genre information includes one gourmet card use information, the determination unit 122 indicates that the condition information is the condition information “use amount is“ 15,000 yen or more ”and the number of card use information. Is “1 to 5 or less”, the store information is “fashion-related”, the condition information “use amount is“ average 5,000 yen or more ”and the number of card use information is“ 1 to 2 ”and genre It is determined that the information also matches “gourmet” .In such a case, the type acquisition unit 123 calculates the degree of matching of the former as “3/3” and the degree of matching of the latter as “3/3”. And the degree of matching is the same Because, it may acquire the "fashion system one point luxury type" and "gourmet-based one point luxury type".

  Alternatively, when the degree of matching is the same, for example, it is preferable that the type acquisition unit 123 acquires type information corresponding to condition information having the largest number of card usage information. For example, the number of card use information “2” included in the condition information “use amount is“ 15,000 yen or more ”, the number of card use information is“ 1 to 5 ”and the store information is“ fashion ” , Compared with the number of card usage information “1” included in the condition information “Amount of usage is“ average 5,000 yen or more ”, the number of card usage information is“ 1 to 2 ”and the genre information is“ Gourmet ” Therefore, it is judged that the number of card usage information included in the former condition information is larger than the number of card usage information included in the latter usage condition, and a “fashion single point luxury type” corresponding to the former usage condition is obtained. May be.

  However, the type acquisition unit 123 may acquire, for example, type information that is paired with the first condition information among two or more pieces of condition information that the determination unit 122 determines to match. Alternatively, for example, the type acquisition unit 123 may randomly select one condition information from two or more pieces of condition information determined to match, and acquire type information that is paired with the selected condition information.

  The type acquisition unit 123 normally stores the acquired type information in association with the user identifier. Accumulating in association with the user identifier includes, for example, adding the acquired type information to corresponding user information among one or more pieces of user information stored in the user information storage unit 111.

  The information configuration unit 124 configures the card usage detail information configured by the processing unit 12 and the type information acquired by the type acquisition unit 123 in a mode that allows browsing together. The aspect that can be viewed together is usually an aspect that can be viewed simultaneously on the screen. The aspect simultaneously seen in the screen is, for example, an aspect in which the card usage details information and the type information are arranged in one screen. However, the mode that can be viewed together is not limited to the mode that is arranged in one screen. For example, the portion in the first screen that contains the card usage details information where the card usage details information is arranged The second screen including the type information may be arranged in a different part from the above, and any aspect may be used as long as the card usage details information and the type information can be browsed together. Moreover, being able to browse together is not necessarily required to display at the same time. For example, the first screen and the second screen may be alternately displayed.

  In addition to the card usage details information and type information, the information configuration unit 124 configures screen information including, for example, text and image information displayed on the screen, and position information indicating the position of various information on the screen. May be. The storage unit 11 also stores text, images, position information, and the like for the information configuration unit 124 to configure the screen information.

  The evaluation information accumulating unit 125 accumulates the evaluation information received by the evaluation information receiving unit 141 in association with the card usage information corresponding to the item information paired with the evaluation information. As described above, since the evaluation information is paired with the ID of the corresponding item information and is received as a pair with the user identifier, the evaluation information storage unit 125 converts the received evaluation information into user information. Of one or more pieces of card usage information stored in the storage unit 111, the information may be added to the card usage information corresponding to the set of the user identifier and the ID.

  The type related information acquisition unit 126 acquires type related information. The type related information is information related to the type information. The type related information may be, for example, one or more card usage information corresponding to the type information included in the search instruction received by the search instruction receiving unit 142. The type related information acquisition unit 126 normally acquires one or more card usage information corresponding to the type information included in the search instruction from the user information storage unit 111 in response to the search instruction receiving unit 142 receiving the search instruction. .

  Alternatively, the type-related information may be information acquired from one or more card usage information corresponding to the type information included in the search instruction received by the search instruction receiving unit 142. The information acquired from the one or more card usage information corresponding to the type information included in the search instruction may be, for example, information obtained by statistically processing one or more card usage information corresponding to the instructed type information. The statistical process includes, for example, a process for obtaining a total, a process for obtaining an average, a process for obtaining a distribution, and the like, but the contents thereof are not limited. The information obtained by statistically processing one or more pieces of card usage information may be, for example, an evaluation number indicating the number of users who have evaluated one store, or a usage count indicating the number of times a card has been used at one store. It may be a set of a pair of an identifier and an evaluation number or a set of a pair of a store identifier and an evaluation number.

  Specifically, the type-related information acquisition unit 126 may acquire the number of evaluations of the store identified by the store identifier, for example, by counting the number of evaluation information having one store identifier. In addition, the type related information acquisition unit 126 may acquire the number of uses of the store identified by the store identifier, for example, by counting the number of card use information having one store identifier.

  Alternatively, the type related information may be information acquired using evaluation information paired with one or more card usage information corresponding to the type information included in the search instruction. The information acquired using the evaluation information paired with one or more card usage information corresponding to the type information included in the search instruction may be, for example, the evaluation information itself or information obtained by statistically processing the evaluation information. The information obtained by statistically processing the evaluation information may be, for example, an average value obtained by averaging numerical values indicated by two or more pieces of evaluation information corresponding to one store identifier, or a set of pairs of store identifiers and average values. .

  Specifically, the type-related information acquisition unit 126 is identified by the store identifier by, for example, summing the numerical values indicated by the evaluation information having one store identifier and dividing the total value by the number of evaluation information. You may acquire the average value of evaluation of a store. Further, the type related information acquisition unit 126 classifies the numerical value indicated by the evaluation information having one store identifier into, for example, 1 point, 2 points,... Distribution information including the number of people in the range of 2 points,...

  The transmission unit 13 transmits various types of information. The various information includes, for example, type information, card usage details information, type related information, and the like.

  The transmission unit 13 transmits the type information acquired by the type acquisition unit 123. The transmitting unit 13 also transmits the card usage details information configured by the processing unit 12. The transmission unit 13 is information configured by the information configuration unit 124, and it is preferable to transmit information configured so that the card usage details information and the type information can be viewed together. Specifically, the transmission unit 13 may transmit, for example, information on one screen in which card usage details information and type information are described, or information on a screen in which card usage details information is described, for example. After sending, type information may be sent as soon as possible.

  However, the transmission part 13 may transmit only type information, for example, or may transmit card use detailed information and type information separately. Sending separately indicates, for example, the case where the card usage details information is transmitted in response to a request for card usage details information and the type information is transmitted in response to a request for type information, or the transmission timing of card usage details information This includes the case where the card usage details information is transmitted according to the timing information, and the type information is transmitted according to the timing information indicating the transmission timing of the type information. The timing of transmission of the type information does not matter. There is no limitation on the transmission timing of the card usage details information.

  The transmission unit 13 transmits the type information or the like to the user identified by the user identifier corresponding to the type information or the like or the terminal device 2 thereof. Sending to a user may be, for example, sending to a mail address that is paired with the user identifier. The terminal device 2 is a terminal device 2 identified by a terminal identifier that is paired with the user identifier. Moreover, the transmission part 13 may transmit type information etc. by e-mail, for example, and the communication medium and protocol are not ask | required.

  The type related information transmission unit 131 transmits the type related information acquired by the type related information acquisition unit 126. The type-related information transmitting unit 131 transmits the acquired type-related information to the terminal device 2 that is normally identified by the terminal identifier received by the search instruction receiving unit 142 as a pair with the search instruction.

  The receiving unit 14 receives various information. The various types of information include, for example, evaluation information, search instructions, card usage details information requests, type information requests, and the like. The receiving unit 14 usually receives various types of information from the terminal device 2. However, the transmission source of various information does not matter.

  The evaluation information receiving unit 141 receives evaluation information. Evaluation information is information which shows evaluation of a store or goods by a user. The evaluation information is usually paired with the ID of the card usage information, and has the user's evaluation for the item information corresponding to the card usage information. The evaluation information receiving unit 141 usually receives the evaluation information in pairs with the user identifier. Note that receiving in pairs includes a case where the evaluation information includes a user identifier.

  The search instruction receiving unit 142 receives a search instruction. The search instruction usually has type information. The search instruction receiving unit 142 normally receives a search instruction having type information as a pair with a user identifier.

  The terminal storage unit 21 constituting the terminal device 2 can store various types of information. The various information includes a user identifier for identifying the user of the terminal device 2, a terminal identifier for identifying the terminal device 2, and the like. In the terminal storage unit 21, for example, a user identifier that also serves as a terminal identifier may be stored.

  The terminal reception unit 22 receives various types of information. The various information includes, for example, a search instruction, evaluation information, a card usage specification request, and the like. In general, reception means reception of information input from an input device such as a keyboard, reception of information transmitted via a network, etc., reception of information read from a recording medium such as an optical disk, a magnetic disk, or a semiconductor memory. It is a concept that includes The terminal accepting unit 22 usually accepts a search instruction or the like via an input device such as a keyboard.

  The terminal transmission unit 23 transmits various types of information. The various information includes, for example, a search instruction, evaluation information, a card usage specification request, and the like. The terminal transmission unit 23 transmits the search instruction received by the terminal reception unit 22 to the card utilization information processing apparatus 1 in a pair with the user identifier stored in the terminal storage unit 21.

  The terminal receiving unit 24 receives various types of information. The various information includes, for example, type information, card usage details information, type related information, and the like. The terminal receiving unit 24 normally receives type information and the like from the card utilization information processing apparatus 1. The terminal receiving unit 24 is, for example, information configured by the information configuration unit 124 of the card usage information processing device 1 in response to the terminal transmission unit 23 transmitting a request for card usage details to the card usage information processing device 1. The information of one screen in which the usage details information and the type information are arranged may be received. In addition, the terminal receiving unit 24 receives type-related information from the card use information processing apparatus 1 in response to, for example, the terminal transmission unit 23 transmitting a search instruction to the card use information processing apparatus 1. However, the timing of receiving type information or the like is not limited. Further, the terminal receiving unit 24 may receive the type information or the like by e-mail, for example.

  The terminal output unit 25 outputs various information. The various information includes, for example, type information, card usage details information, type related information, and the like. The terminal output unit 25 is, for example, information received by the terminal receiving unit 24, and may output information on one screen in which usage details information and type information are arranged. In general, output means display on a display, sound output from a speaker, transmission to an external device, printing with a printer, storage on a recording medium, delivery of processing results to other processing devices or other programs, etc. It is a concept that includes The terminal output unit 25 normally outputs information such as type information received by the terminal receiver 24 via an output device such as a display.

  The storage unit 11, the user information storage unit 111, the determination information storage unit 112, and the terminal storage unit 21 are preferably non-volatile recording media such as a hard disk and a flash memory, but are also realized by a volatile recording medium such as a RAM. Is possible.

  The process in which information is stored in the storage unit 11 or the like is not limited. For example, information may be stored in the storage unit 11 or the like via a recording medium, or information transmitted via a network or a communication line may be stored in the storage unit 11 or the like. Alternatively, information input via the input device may be stored in the storage unit 11 or the like. The input device may be anything such as a keyboard, a mouse, and a touch panel.

  The processing unit 12, the to-be-determined information acquisition unit 121, the determination unit 122, the type acquisition unit 123, the information configuration unit 124, the evaluation information storage unit 125, and the type related information acquisition unit 126 can be usually realized by an MPU, a memory, or the like. . The processing procedure of the processing unit 12 or the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

  The transmission unit 13, the type-related information transmission unit 131, and the terminal transmission unit 23 are usually realized by wired or wireless communication means, but may be realized by broadcast means (for example, a broadcast module).

  The receiving unit 14, the evaluation information receiving unit 141, the search instruction receiving unit 142, and the terminal receiving unit 24 are usually realized by wired or wireless communication means (for example, a communication module such as a network card or a modem). May be realized by means for transmitting (for example, a broadcast receiving module).

  The terminal receiving unit 22 may or may not include an input device. The terminal reception unit 22 and the like can be realized by driver software for the input device or by the input device and its driver software.

  The terminal output unit 25 may or may not include an output device such as a display or a speaker. The terminal output unit 25 and the like can be realized by output device driver software, or by an output device and its driver software.

  Next, the operation of the processing system will be described using the flowcharts of FIGS. In addition, the description regarding the already mentioned matter is abbreviate | omitted or simplified.

  FIG. 2 is a flowchart for explaining the operation of the card utilization information processing apparatus 1.

  (Step S201) The processing unit 12 determines whether or not to transmit card usage details information. Specifically, for example, when the processing unit 12 determines that the card usage details information is to be transmitted in response to the request for the card usage details received from the terminal device 2, and the request is not received from the terminal device 2. May be determined not to transmit. Alternatively, the processing unit 12 holds, for example, timing information indicating the transmission timing of the card usage details information in advance, and uses this timing information and the current time acquired from an internal clock, an NTP server, or the like to use the card. It is determined whether or not it is a timing to transmit the detailed information, and if it is a transmission timing, it is determined that the card usage detailed information is transmitted, and if not, it may be determined that the card usage detailed information is not transmitted. . If the card usage details information is to be transmitted, the process proceeds to step S202. If not, the process proceeds to step S203.

  (Step S202) The processing unit 12 and the transmission unit 13 execute a usage statement transmission process. The usage details transmission process will be described with reference to the flowchart of FIG. Thereafter, the process returns to step S201.

  (Step S203) The processing unit 12 determines whether to transmit type information. Specifically, for example, the processing unit 12 may determine to transmit the type information in response to the transmission unit 13 transmitting the card usage details information. Alternatively, for example, the processing unit 12 may determine to transmit the type information in response to receiving the type information request from the terminal device 2. Alternatively, for example, the processing unit 12 holds timing information indicating the transmission timing of the type information in advance, and uses this timing information and the current time acquired from an internal clock or the like to determine whether to transmit the type information. If it is time to transmit, it may be determined that the type information is transmitted, and if not, it may be determined that the type information is not transmitted. If the type information is to be transmitted, the process proceeds to step S204. Otherwise, the process proceeds to step S205.

  (Step S204) The processing unit 12, the transmission unit 13, and the like execute a type transmission process. The type transmission process will be described with reference to the flowchart of FIG. Thereafter, the process returns to step S201.

  (Step S205) The processing unit 12 determines whether or not the evaluation information receiving unit 141 has received the evaluation information. If the evaluation information receiving unit 141 receives the evaluation information, the process proceeds to step S206, and if not, the process proceeds to step S207.

  (Step S206) The evaluation information storage unit 125 stores the evaluation information received by the evaluation information reception unit 141 in association with the card usage information corresponding to the item information paired with the evaluation information. Thereafter, the process returns to step S201.

  (Step S207) The processing unit 12 determines whether or not the search instruction receiving unit 142 has received a search instruction. If the search instruction receiving unit 142 has received a search instruction, the process proceeds to step S208. If not, the process returns to step S201.

  (Step S <b> 208) The type related information acquisition unit 126 acquires type related information corresponding to the type information included in the search instruction received by the search instruction receiving unit 142 from the user information storage unit 111.

  (Step S209) The type-related information transmitting unit 131 uses the type-related information acquired by the type-related information acquiring unit 126 as a user identified by the user identifier received by the search instruction receiving unit 142 in combination with the search instruction or the user's It transmits to the terminal device 2. Thereafter, the process returns to step S201.

  In the flowchart of FIG. 2, the process starts in response to power-on of the card information processing apparatus 1 or activation of a program, and the process ends by interruption of power-off or process end. However, the trigger for starting or ending the process does not matter.

  FIG. 3 is a flowchart for explaining the usage details transmission process in step S202.

  (Step S301) The processing unit 12 sets one initial value to the variable i. The variable i is a variable for sequentially selecting unselected user identifiers among two or more user identifiers corresponding to two or more user information stored in the user information storage unit 111.

  (Step S302) The processing unit 12 determines whether there is an i-th user identifier. If there is an i-th user identifier, the process proceeds to step S302, and if there is no i-th user identifier, the process returns to the upper process.

  (Step S303) The processing unit 12 acquires, from the user information storage unit 111, one or more pieces of card usage information corresponding to the i-th user identifier, each piece of card usage information for a predetermined period.

  (Step S304) The processing unit 12 configures the card usage details of the user identified by the i-th user identifier using the acquired one or more pieces of card usage information.

  (Step S305) The processing unit 12 configures card usage specification information including the configured card usage details and one or more item information corresponding to the acquired one or more pieces of card usage information.

  (Step S306) The transmission unit 13 transmits the card usage details information configured by the processing unit 12 to the user identified by the i-th user identifier or the terminal device 2 of the user.

  (Step S307) The processing unit 12 increments the variable i. Thereafter, the process returns to step S302.

  FIG. 4 is a flowchart for explaining the type transmission processing in step S204.

  (Step S401) The processing unit 12 sets one initial value to the variable i.

  (Step S402) The processing unit 12 determines whether there is an i-th user identifier. If there is an i-th user identifier, the process proceeds to step S402, and if there is no i-th user identifier, the process returns to the upper process.

  (Step S403) The determined information acquisition unit 121 is each card usage information for a predetermined period, and the determined information including one or more card usage information corresponding to the i-th user identifier is stored in the user information storage unit. From 111.

  (Step S404) The processing unit 12 sets an initial value 1 to the variable j. The variable j is a variable for sequentially selecting unselected condition information among two or more condition information stored in the determination information storage unit 112.

  (Step S405) The processing unit 12 determines whether there is j-th condition information. If the jth condition information is present, the process proceeds to step S406. If the jth condition information is not present, the process proceeds to step S409.

  (Step S406) The determination unit 122 determines whether the determination information acquired by the determination information acquisition unit 121 matches the j-th condition information. Since the specific determination method has been described above, it will not be repeated. If the acquired determination target information matches the jth condition information, the process proceeds to step S407. If the acquired determination information does not match, the process proceeds to step S408.

  (Step S407) The type acquisition unit 123 acquires type information corresponding to the j-th condition information from the determination information storage unit 112, and stores it in, for example, an internal memory.

  (Step S408) The processing unit 12 increments the variable j. Thereafter, the process returns to step S405.

  (Step S409) The processing unit 12 determines whether or not the type acquisition unit 123 holds one or more type information. If the type acquisition unit 123 holds one or more type information, the process proceeds to step S410. If not, the process proceeds to step S412.

  (Step S410) The type acquisition unit 123 selects one type information from among the one or more type information that is held, and associates the selected type information with the i-th user identifier to the user information storage unit 111. To accumulate. Since the specific selection method has been described above, it will not be repeated.

  (Step S411) The transmission unit 13 transmits the type information selected by the type acquisition unit 123 to the user identified by the i-th user identifier or the terminal device 2 of the user.

  (Step S412) The processing unit 12 increments the variable i. Then, it returns to step S402.

  FIG. 5 is a flowchart for explaining the operation of the terminal device 2.

  (Step S501) The terminal receiving unit 24 determines whether or not the card usage details information has been received. If card usage details information has been received, the process proceeds to step S502, and if not received, the process proceeds to step S503.

  (Step S502) The terminal output unit 25 outputs the card usage details information received by the terminal receiving unit 24. Thereafter, the process returns to step S501.

  (Step S503) The terminal receiving unit 24 determines whether type information has been received. If type information has been received, the process proceeds to step S504. If type information has not been received, the process proceeds to step S505.

  (Step S504) The terminal output unit 25 outputs the type information received by the terminal receiving unit 24. Thereafter, the process returns to step S501.

  (Step S505) The terminal receiving unit 22 determines whether or not evaluation information has been received. When the evaluation information is accepted, the process proceeds to step S506, and when it is not accepted, the process proceeds to step S507.

  (Step S506) The terminal transmission unit 23 transmits the evaluation information received by the terminal reception unit 22 to the card use information processing apparatus 1. Thereafter, the process returns to step S501.

  (Step S507) The terminal receiving unit 22 determines whether a search instruction has been received. If a search instruction is accepted, the process proceeds to step S508. If not accepted, the process returns to step S501.

  (Step S508) The terminal transmission unit 23 transmits the search instruction received by the terminal reception unit 22 to the card utilization information processing apparatus 1.

  (Step S509) The terminal receiving unit 24 determines whether type-related information has been received. If type-related information has been received, the process proceeds to step S510, and if not received, the process returns to step S509.

  (Step S510) The terminal output unit 25 outputs the type-related information received by the terminal receiving unit 24. Thereafter, the process returns to step S501.

  In the flowchart of FIG. 5, the process starts in response to power-on of the terminal device 2 or activation of the program, and the process ends by interruption of power-off or process end. However, the trigger for starting or ending the process does not matter.

  Hereinafter, a specific operation example of the processing system in the present embodiment will be described. In addition, the following description can be variously changed and does not limit the present invention. In addition, explanations regarding the matters already described are omitted or simplified.

(Specific example 1)
The storage unit 11 of the card utilization information processing apparatus 1 stores one or more user identifiers “AA”, “BB”, “CC”,. The user information storage unit 111 stores one or more user information in association with one or more user identifiers “AA”, “BB”, “CC”,... Stored in the storage unit 11. Yes.

  The data structure of user information is shown in FIG. The user information has one or more card usage information. The user information can also include, for example, one or more types of information among card-related information, card usage result information, card usage content information, and card usage position information. In addition, the type information acquired by the type acquisition unit 123 can be added to the user information.

  One or more pieces of card usage information (hereinafter sometimes simply referred to as card usage information) correspond to IDs “1”, “2”,. The card use information includes a use date, a use amount, the number of payments, a store identifier, and the like. The card related information includes a limit amount and the like.

  For example, the user information corresponding to the user identifier “AA” includes four pieces of card usage information associated with IDs “1” to “4” (hereinafter may be referred to as card usage information 1 to 4), and limits. The amount is “500000”. The card usage information 1 includes the usage date “9/8”, the usage amount “12000”, the number of payments “1”, the store identifier “aa”, etc., and the card usage information 2 includes the usage date “9/12”, Card usage information 3 includes usage date “9/15”, usage amount “5000”, payment count “1”, and store, including usage amount “20000”, payment count “1”, store identifier “bb”, etc. The card usage information 4 includes an identifier “cc” and the like, and the usage date “9/21”, the usage amount “30000”, the number of payments “1”, and the store identifier “dd”. Note that the user information corresponding to the user identifier “AA” may further include card use result information “no delay”. Further, the user information corresponding to the user identifier “AA” may further include card use content information “batch payment only”.

  The user information corresponding to the user identifier “BB” includes 11 card usage information (hereinafter, may be referred to as card usage information 1 to 11) associated with IDs “1” to “11”, and a limit. The amount is “300000”. The card usage information 1 includes the usage date “9/4”, the usage amount “2500”, the number of payments “1”, the store identifier “ee”, and the like. The card usage information 2 includes the usage date “9/7”, Card usage information 3 includes usage date “9/10”, usage amount “24000”, payment count “6”, and store, including usage amount “1800”, payment count “1”, store identifier “ff”, etc. The card usage information 11 includes the usage date “9/30”, the usage amount “800”, the number of payments “1”, the store identifier “ff”, and the like. Note that the user information corresponding to the user identifier “BB” may further include card use result information “no overdue”. In addition, the user information corresponding to the user identifier “BB” may further include card use content information “use installments”.

  The user information corresponding to the user identifier “CC” includes two pieces of card usage information associated with IDs “1” and “2” (hereinafter may be referred to as card usage information 1 and 2), and a limit. The amount is “700000”. The card usage information 1 includes the usage date “9/5”, the usage amount “21000”, the number of payments “1”, the store identifier “cc”, etc., and the card usage information 2 includes the usage date “9/25”, The usage amount “30000”, the number of payments “1”, and the store identifier “cc” are included. Note that the user information corresponding to the user identifier “CC” may further include card use result information “with overdue”.

  The storage unit 11 also stores a genre information group. The data structure of the genre information group is shown in FIG. The genre information group is a set of pairs of store identifiers and genre information. The genre information is information indicating the genre of the store, such as “fashion”, “gourmet”,. The genre information may be hierarchized. Hierarchical genre information may be, for example, “gourmet (pub)”, “gourmet (restaurant)”, and the like. The genre information group includes, for example, a pair of the store identifier “aa” and the genre information “fashion”, a pair of the store identifier “bb” and the genre information “gourmet”, and the store identifier “cc” and the genre information “gourmet”. (Izakaya) ”and“ ... ”. However, the data structure and contents of the genre information group are not limited.

  The determination information storage unit 112 stores two or more pieces of determination information. The data structure of the judgment information is shown in FIG. The determination information is composed of a pair of condition information and type information. The condition information includes the usage amount of the card usage information, the number of card usage information, and genre information. Each of the two or more pieces of determination information corresponds to IDs “1”, “2”,.

  For example, the judgment information corresponding to the ID “1” (hereinafter may be referred to as judgment information 1) includes the card usage information usage amount “average 10,000 yen or more” and the card usage information number “1 to 5”. , And condition information including genre information “-” and type information “one-point luxury type”. The genre information “-” indicates that genre information is not included (the same applies hereinafter). Similarly, the determination information (determination information 2) corresponding to the ID “2” includes the usage amount “less than 3,000 yen” of the card usage information, the number of card usage information “10 or more”, and the genre information “−”. Consists of a pair of condition information to be included and type information “chocochococho type”.

  Further, the judgment information p includes card usage information usage amount “15,000 yen or more”, card usage information number “1 to 2”, and genre information “fashion” and type information “type information”. It consists of a pair of “fashion one-point luxury type”. The judgment information q includes the condition information including the card usage information usage amount “5,000 yen or more”, the card usage information number “1 to 2” and the genre information “gourmet”, and the type information “gourmet one-point luxury. It consists of a pair with “type”. The judgment information r includes condition information including card usage information usage amount “20,000 yen or more”, card usage information number “2 or more”, and genre information “gourmet (pub)”, and genre information “secretary type”. And a pair. However, the data structure and contents of the judgment information are not limited.

  Note that the above-described five pieces of judgment information 1, 2, p, q, and r are judgment information corresponding to card usage information constituting user information (see FIG. 6). For example, card usage constituting user information is used. Determination information v and w corresponding to the result information, determination information x and y corresponding to the card use content information constituting the user information, and the like may also be stored in the determination information storage unit 112.

  The judgment information v is composed of a pair of the condition information “no delay” and the type information “firmly”, and the judgment information w is a pair of the condition information “has been late” and the type information “inadvertently”. . The type determination using the card use result information and the corresponding determination information v and w will be described in specific example 3.

  Judgment information x is composed of a pair of condition information “use only lump sum payment” and type information “clean payment”, and decision information y includes condition information “use installments or revolving payments” and type information “slow payment”. And a pair. The type determination using the card use content information and the corresponding determination information v and w will be described in specific example 4.

  The terminal storage unit 21 constituting the terminal device 2 stores a user identifier “AA”. When a user identified by the user identifier “AA” (hereinafter sometimes referred to as user AA) operates the keyboard of the terminal device 2 and inputs a request for the card usage details for September, the terminal reception unit 22 accepts the request. The terminal transmission unit 23 transmits the accepted request to the card usage information processing apparatus 1 in combination with the stored user identifier “AA”.

  In the card usage information processing apparatus 1, when the receiving unit 14 receives a request for the card usage details, the processing unit 12 or the determined information acquisition unit 121 includes the usage date in the period from September 1 to September 30. Card usage information 1 to 4 corresponding to the user identifier “AA” is acquired from the user information storage unit 111. Next, the processing unit 12 configures the card usage details for September corresponding to the user identifier “AA” using the acquired card usage information 1 to 4. And the process part 12 comprises the card usage detailed information which has the comprised card usage detailed and the four item information corresponding to the acquired card usage information 1-4.

  In addition, the determination unit 122 includes determination information 1 to 3,..., P to r,... Stored in the determination information storage unit 112 as information to be determined including the acquired four card usage information 1 to 4. It is determined whether or not the condition information is met. The type acquisition unit 123 acquires type information corresponding to the condition information determined to match the determination target information from the determination information storage unit 112, and stores the acquired type information in the internal memory.

  Specifically, the determination unit 122 uses the card usage information 1 to 4 to acquire the usage amounts “12000”, “20000”, “5000”, and “30000” and the number of card usage information “4”. Next, the determination unit 122 adds the usage amounts “12000”, “20000”, “5000”, and “30000”, and divides the total amount “67000” by the number of card usage information “4”. The average amount “16750” is calculated. The determination unit 122 determines that the average amount “16750” and the number of card usage information “4” obtained in this way match the condition information included in the determination information 1. The type acquisition unit 123 acquires the type information “single point luxury type” paired with the condition information determined to match, and stores this in the user information storage unit 111 in association with the user identifier “AA”.

  The above processing is also performed between the card use information processing device 1 and the terminal device 2 of the user BB, between the card use information processing device 1 and the terminal device 2 of the user CC, and so on. As a result, the user information corresponding to the identifier “BB” is associated with the type information “chococho type”, and the user information corresponding to the user identifier “CC” is associated with the type information “secretary type”.

  Next, the information configuration unit 124 configures information on one screen in which the card usage details information configured by the processing unit 12 and the type information “single point luxury type” acquired by the type acquisition unit 123 are arranged. To do. In addition to the card usage details information and type information, the screen information includes, for example, text and image information displayed on the screen, position information indicating the position of various information on the screen, and the like. The transmission unit 13 transmits the information on the screen configured by the information configuration unit 124 to the terminal device 2 of the user AA identified by the user identifier “AA”.

  In the terminal device 2 of the user AA, the terminal receiving unit 24 receives the screen information, and the terminal output unit 25 outputs the received screen information. Thereby, for example, a screen as shown in FIG. 9 is displayed on the display of the terminal device 2. This screen shows the text “AA-like card usage details (for September 2016)” and the card usage details corresponding to the card usage details information “1. 2. XX Sushi September 12th 20000 Yen One-time payment ”, etc.

  Further, the screen of FIG. 9 has the text “please evaluate the shop” and four input fields corresponding to the four item information. When the user selects “evaluation” in the text, 1 to 5 stars indicating the user's evaluation can be input in each input field. When 1 to 5 stars are input to each input field via a keyboard or the like, the terminal receiving unit 22 receives this, and the terminal transmitting unit 23 corresponds to the number of stars input to each input field. One piece of evaluation information is sent. In the card use information processing apparatus 1, the evaluation information receiving unit 141 receives four pieces of evaluation information, and the evaluation information storage unit 125 uses the four pieces of evaluation information as card use information 1 to 4 corresponding to the user identifier “AA”. Are stored in association with each other.

  The screen of FIG. 9 also includes “Your type is a one-point luxury type” corresponding to the type information “One-point luxury type” and a text “Do you see other people's evaluations?”. When the user selects “another person's evaluation” in the text, the terminal reception unit 22 receives this, and the terminal transmission unit 23 sends a search instruction having the type information “single point luxury type” of the user AA to the user identifier “ AA "is transmitted in pairs.

  In the card use information processing apparatus 1, when the search instruction receiving unit 142 receives such a search instruction, the type related information acquisition unit 126 indicates that each piece of user information corresponding to the type information “one-point luxury type” included in the received search instruction is One or more card usage information is obtained from the user information storage unit 111. Furthermore, the type-related information acquisition unit 126 calculates an average value of evaluation, the number of evaluators, the number of usages, etc. for each store identifier using the acquired one or more card usage information, and acquires the acquired one or more card usages Card related information including information and the average value of evaluation for each store identifier calculated, the number of evaluators, the number of uses, and the like are acquired. The type related information transmitting unit 131 transmits the type related information acquired by the type related information acquiring unit 126 to the user AA identified by the user identifier “AA” or its terminal device 2.

  In the terminal device 2 of the user AA, the terminal receiving unit 24 receives the type related information, and the terminal output unit 25 outputs the received type related information. Thereby, for example, a screen as shown in FIG. 10 is output on the display of the terminal device 2. This screen contains the text “Evaluation of a one-point luxury type person (store name / evaluation / number of evaluators / number of uses)” and “1. Precious metal store / 4.1 points / 132 people / 423 cases ”,“ 2.XX Sushi / 3.8 points / 185 people / 601 cases, etc. ”.

  In addition, the screen in FIG. 10 includes the texts “Do you see other types of people's evaluation?”, “Fashion-style one-point luxury type”, “Gourmet-type one-point luxury type”, “Secretary type”, “Chokochoko type” ... etc. When the user selects “fashion type single point luxury type”, the terminal reception unit 22 receives this, and the terminal transmission unit 23 sends a search instruction having type information “fashion type single point luxury type” to the user identifier. Send to “AA” as a pair.

  In the card information processing apparatus 1, when the evaluation information receiving unit 141 receives such a search instruction, the type related information acquiring unit 126 causes each user corresponding to the type information “fashion one-point luxury type” included in the received search instruction. One or more card usage information included in the information is acquired from the user information storage unit 111. Furthermore, the type-related information acquisition unit 126 calculates an average value of evaluation, the number of evaluators, the number of usages, etc. for each store identifier using the acquired one or more card usage information, and acquires the acquired one or more card usages Card related information including information and the average value of evaluation for each store identifier calculated, the number of evaluators, the number of uses, and the like are acquired. The type related information transmitting unit 131 transmits the type related information acquired by the type related information acquiring unit 126 to the user AA identified by the user identifier “AA” or its terminal device 2.

  In the terminal device 2 of the user AA, the terminal receiving unit 24 receives the type related information, and the terminal output unit 25 outputs the received type related information. As a result, type-related information corresponding to a fashion single point luxury type user is displayed on the display.

  In this example, in response to designation of “another person's evaluation” on the screen (see FIG. 9) on which the card usage details information and the type information “one-point luxury type” of one user are described. , The screen (FIG. 10) describing the type related information indicating the evaluation of the store by the user of the same “single point luxury type” as the user is output. For example, the input of search conditions such as type, genre, and amount is accepted. A search screen for searching for type-related information may be output. An example of such a search screen is shown in FIG.

  This search screen includes the text “Let's search for other users”, the text “Genre” and its input field, the text “Type” and its input field, the text “Amount” and its input field, etc. Have. In the “genre” input field, for example, information indicating one genre selected from two or more genres such as gourmet and fashion is input. In the “type” input field, for example, information indicating one type selected from two or more types such as a fashion-type single-point luxury type, a gourmet-type single-point luxury type, a secretary type, and a choco-choco-type is input. In the “amount” input field, for example, information indicating one price range selected from two or more price ranges such as 3000 yen or less, 5000 yen to 10000 yen, or the like is input.

  In the terminal device 2 of the user AA, suppose that the search screen of FIG. 11 is displayed on the display, and the terminal reception unit 24 receives input of information “gourmet”, “single point luxury type”, and “5000 yen to 10,000 yen”. The terminal transmission unit 23 transmits a search instruction having the information to the card use information processing apparatus 1. In the card-use information processing apparatus 1, the search instruction receiving unit 142 receives the search instruction, and the type related information acquisition unit 126 receives “gourmet”, “single-point luxury type”, and “5000 yen ~” from the user information storage unit 111. Using "10000 yen" as a search condition, card usage related information including one or more card usage information that matches this is acquired. The card usage related information includes information obtained by statistically processing the one or more card usage information. The statistically processed information includes, for example, the average value of evaluation, the number of evaluators, the number of uses, etc. for each store or product. The type related information transmitting unit 131 transmits the acquired type related information to the terminal device 2 of the user AA.

  In the terminal device 2 of the user AA, the terminal receiving unit 24 receives the type related information, and the terminal output unit 25 outputs the received type related information. Thereby, for example, a search result screen as shown in FIG. 12 is displayed on the display. FIG. 12 is a diagram illustrating an example of a search result screen. This search result screen displays the text “evaluation of a gourmet single-point luxury type person (store name / evaluation / number of evaluators / number of uses)” and “1. ○ sushi / 4. “1 point / 65 people / 205 cases”, “2. Restaurant / XX / 3.9 points / 35 people / 127 cases, etc.”. Thereby, the user can search the type related information of other users by specifying the search condition including the type information.

(Specific example 2)
The user information of this example further includes card-related information in the user information described in specific example 1 (see FIG. 6). The card-related information includes at least one of a card usage limit, limit change information, and authorization information. For example, the user information corresponding to the user identifier “AA” has card-related information including a limit amount “500000”, change information “−”, and authorization information “authorized” in addition to the card usage information 1 to 4. .

  On the other hand, the determination information of this example is the determination information described in the specific example 1 (see FIG. 8), and the condition information constituting it can be subdivided into two or more condition information. Two or more pieces of condition information may be associated with one type information or may be associated with different condition information.

  For example, the condition information 1 is subdivided into first condition information and second condition information. The first condition information constituting the judgment information 1 includes card usage information usage amount “average 10,000 yen or more”, card usage information number “1 to 5”, genre information “−”, and card related information “ "Limited amount or changed limit amount of 400,000 yen or more and authorized" is included. The second condition information constituting the judgment information 1 includes card usage information usage amount “average 5,000 yen or more”, card usage information number “1 to 5”, genre information “-”, and “limit amount or The limit after the change is 200,000 yen or more, and “authorized” is included. The first condition information and the second condition information correspond to one type information “one-point luxury type”. However, the first condition information may correspond to the type information “single point luxury type (high price)”, and the second condition information may correspond to the type information “single point luxury type (low price)”.

  When the receiving unit 14 receives the request for the card usage details paired with the user identifier “AA”, the determined information acquiring unit 121 adds the card usage information 1 to 4 from the user information corresponding to the user identifier “AA”. The card related information including the limit amount “500000”, the change information “−”, and the authorization information “authorized” is also acquired. The determination unit 122 determines that the acquired information including the card usage information 1 to 4 and the card related information matches the first condition information included in the determination information 1 stored in the determination information storage unit 112. to decide. The type acquisition unit 123 acquires type information “single point luxury type” corresponding to the first condition information determined to match, and the transmission unit 13 transmits the acquired type information “single point luxury type” to the user AA or It transmits to the terminal device 2.

  Here, if it is assumed that the limit amount of user information corresponding to the user identifier “AA” is “300000” and the usage amount is “average 8,000 yen”, in the above-described specific example 1, The information does not match the condition information 1 and the user AA is not determined to be a one-point luxury type. On the other hand, in this example, the determination target information matches the second type information constituting the condition information 1, and the user AA is determined to be a one-point luxury type.

  Further, the limit of the user information corresponding to the user identifier “AA” is “200000”. If the limit is increased by 100,000 yen, if there is no limit change information, the information to be judged is Also, the second condition information constituting the condition information 1 is not matched, and the user AA is not determined to be a one-point luxury type. However, in this example, due to the limit amount change information, the determination target information matches the second condition information constituting the condition information 1, and the user AA is determined to be a one-point luxury type.

  Also, suppose that the limit of user information corresponding to the user identifier “AA” is “700,000” and the usage amount is “average 20,000 yen”, but the authorization information is “−” (unexecuted or not established). Assuming that there is, in the above-described specific example 1, the determination target information matches the condition information 1, and the user AA is determined to be a one-point luxury type. On the other hand, in this example, the determination target information does not match the first or second condition information constituting the condition information 1, and the user AA is not determined to be a one-point luxury type.

  As described above, in this example, by adding card-related information related to the limit amount, increase / decrease of the limit amount, authorization, etc. to the user information, and subdividing the condition information held in the judgment information by the limit amount, etc. This makes it possible to make an accurate type of judgment considering the above.

(Specific example 3)
The user information of this example further includes card use result information in the user information described in specific example 1. The card use result information includes, for example, information on overdue. In this example, the information regarding arrears is information indicating the presence or absence of arrears. For example, the user information corresponding to the user identifier “AA” has card usage result information including “no delay” in addition to the card usage information 1 to 4.

  On the other hand, in the determination information of this example, in the determination information described in the specific example 1, the condition information constituting the determination information can be subdivided into two or more condition information. Two or more pieces of condition information are usually associated with different condition information.

  For example, the condition information 1 is subdivided into first condition information and second condition information. The first condition information constituting the judgment information 1 includes the card usage information usage amount “average 10,000 yen or more”, the card usage information number “1 to 5”, genre information “−”, and card usage result information. Includes “No overdue”. The second condition information constituting the judgment information 1 includes card usage information usage amount “average 10,000 yen or more”, card usage information number “1 to 5”, genre information “−”, and card usage result information. Includes “with arrears”. The first condition information corresponds to the first type information “one-point luxury type (firmly)”, and the second condition information corresponds to the second type information “one-point luxury type (carelessly)”. Yes.

  When the receiving unit 14 receives the request for the card usage details paired with the user identifier “AA”, the determined information acquiring unit 121 adds the card usage information 1 to 4 from the user information corresponding to the user identifier “AA”. The card use result information including “no overdue” is also acquired. The determination unit 122 matches the first condition information included in the determination information 1 stored in the determination information storage unit 112, with the determination information including the acquired card usage information 1 to 4 and the card usage result information. Judge that. The type acquisition unit 123 acquires the type information “single point luxury type (firmly)” corresponding to the first condition information determined to match, and the transmission unit 13 acquires the acquired type information “single point luxury type ( Unintentionally)) ”is transmitted to the user AA or the terminal device 2 thereof.

  It should be noted that the information relating to the arrears in this example may further include information such as the number of arrears and the amount of arrears. For example, when the information regarding overdue includes the number of overdue, the determination information may be divided into, for example, first to third condition information. The first condition information includes card use result information “no delinquency”, the second condition information includes card use result information “no more than one arrears twice or less”, and the third condition information includes card use results Includes result information "3 or more arrears". The first condition information corresponds to the first type information “one-point luxury type (solidly with zero arrears)”, and the second condition information corresponds to the second type information “single-point luxury type (solidly)” The third condition information may correspond to the third type information “one-point luxury type (inadvertently)”.

  As described above, in this example, the card usage result information such as the presence or absence of delinquency is added to the user information, and the condition information included in the judgment information is subdivided according to the presence or absence of the arrears, etc. Type of judgment is possible.

(Specific example 4)
The user information of this example further includes card use content information in the user information described in the specific example 1. The card usage content information includes, for example, information on whether or not one or more types of services are used among cashing, installment payment, or revolving payment. For example, the user information corresponding to the user identifier “AA” has card usage result information including “no cashing, installment payment, and revolving payment” in addition to the card usage information 1 to 4.

  On the other hand, in the determination information of this example, in the determination information described in the specific example 1, the condition information constituting the determination information can be subdivided into two or more condition information. Two or more pieces of condition information are usually associated with different condition information.

  For example, the condition information 1 is subdivided into first condition information and second condition information. The first condition information constituting the judgment information 1 includes card usage information usage amount “average 10,000 yen or more”, card usage information number “1 to 5”, genre information “-”, and card usage content information. Includes "no cashing, installments or revolving payments". The second condition information constituting the determination information 1 includes card usage information usage amount “average 10,000 yen or more”, card usage information number “1 to 5”, genre information “−”, and card usage content information. Includes “use one or more of cashing, installments or revolving payments”. The first condition information corresponds to the first type information “one-point luxury type (clean payment)”, and the second condition information corresponds to the second type information “one-point luxury type (relax payment)”. attached.

  When the receiving unit 14 receives the request for the card usage details paired with the user identifier “AA”, the determined information acquiring unit 121 adds the card usage information 1 to 4 from the user information corresponding to the user identifier “AA”. Thus, the card usage result information “no cashing, installment payment, and revolving payment” is also acquired. The determination unit 122 uses the determination information 1 stored in the determination information storage unit 112 to be determined including the acquired card usage information 1 to 4 and the card usage result information “no cashing, installment payment, and revolving payment”. It is determined that the first condition information is configured. The type acquisition unit 123 acquires type information “single point luxury type (clean payment)” corresponding to the first condition information determined to match, and the transmission unit 13 acquires the acquired type information “single point luxury type”. (Simply pay) "is transmitted to the user AA or the terminal device 2 thereof.

  In this example, the card usage details information such as the presence or absence of caching is added to the user information, and the condition information included in the judgment information is subdivided according to the presence or absence of caching, etc., so that a detailed type determination considering the card usage details can be made. It becomes possible.

(Specific example 5)
The user information of this example further includes card use position information in the user information described in specific example 1. The card use position information includes information indicating the position of the store using the card. The information indicating the position is, for example, an address. The address may be, for example, only the prefecture name. The card usage position information is usually a set of one or more addresses associated with one or more card usage information constituting user information. A set of one or more addresses associated with one or more card usage information is, for example, “Osaka Prefecture” associated with the card usage information 1, “Hyogo Prefecture” associated with the card usage information 2, or card usage information. The information may be composed of “Osaka Prefecture”,.

  For example, the processing unit 12 may narrow down the type related information acquired by the type related information acquisition unit 126 using the card usage position information. Specifically, when the type-related information acquisition unit 126 acquires one or more pieces of card usage information corresponding to the type information included in the received search instruction, the processing unit 12 previously stores an address associated with each card usage information. It may be determined whether or not a predetermined condition is satisfied, and selection of card usage information that does not satisfy the condition may be canceled. The predetermined condition may be, for example, “the address associated with the acquired card usage information belongs to an area corresponding to the user identifier received in combination with the search instruction”. A region means a range including a range indicated by an address. Specifically, the region where the address is a prefecture name may be, for example, a local name such as Kinki or Kanto.

  For example, the processing unit 12 stores the user area information, which is a set of user identifiers and area names, and correspondence information indicating the correspondence between the prefecture name and the area name in the storage unit 11 in advance. The above processing can be performed. The user area information includes, for example, a pair of the user identifier “AA” and the area name “Kinki”, a pair of the user identifier “BB” and the area name “Kanto”, and so on. Corresponding information is that the prefecture name “Osaka”, “Hyogo”, etc. corresponds to the area name “Kinki”, the prefecture name “Tokyo”, “Kanagawa”, etc. Indicates that it corresponds to “Kanto”, etc.

  As described above, in this example, by adding the card usage position information to the user information, for example, it is possible to narrow down type-related information based on the card usage position information.

  As described above, according to the present embodiment, the recording medium includes the user information storage unit 111 and the determination information storage unit 112, and the user information storage unit 111 uses the card in association with the user identifier for identifying the user. One or more pieces of user information including one or more pieces of card usage information having a day, a card usage amount, the number of payments, and a store identifier for identifying a store using the card are stored. Two or more pieces of judgment information, which is a set of condition information, which is information related to conditions using the amount of information usage and the number of card usage information, and type information indicating the type of user consumption during the period are stored. The card usage information processing apparatus 1 acquires, from the user information storage unit 111, determination information including one or more card usage information associated with the user identifier for each user identifier. For each user identifier, it is determined whether or not the acquired determination information matches two or more pieces of condition information stored in the determination information storage unit 112. By acquiring the information from the judgment information storage unit 112 and transmitting the acquired type information, the type of consumption of the user using the card can be notified.

  If the card-use information processing apparatus 1 determines that two or more pieces of condition information are matched, the card information processing apparatus 1 sends one type information paired with any one of the two or more pieces of condition information from the decision information storage unit 112. By acquiring, when two or more types exist for one user, one of them can be notified.

  Further, the card use information processing apparatus 1 calculates the score indicating the degree of matching for each condition information determined to be matched, and selects the type information that is paired with the condition information with the highest score. You can notify the type that matches well.

  Further, the card usage information processing apparatus 1 configures the card usage specification information indicating the card usage details configured using the card usage information for a predetermined period and the type information in a mode that can be viewed together. By sending the configured information, the type of user consumption using the card can be notified together with the card usage details.

  The card usage information processing device 1 is card usage specification information indicating card usage details configured using card usage information for a predetermined period, and includes one or more item information corresponding to the card usage information. The user who used the card by transmitting the card usage details information, receiving the evaluation information having the user's evaluation for the item information, and storing the received evaluation information in association with the card usage information corresponding to the item information You can collect store evaluations.

  Further, the card use information processing apparatus 1 receives a search instruction having type information, and at least one card use information corresponding to type information included in the search instruction or one or more cards corresponding to type information included in the search instruction. The type-related information obtained from the usage information or the type-related information obtained by using the evaluation information paired with one or more card usage information corresponding to the type information included in the search instruction By transmitting the information, information related to the indicated type can be searched.

  Further, one or more card usage information in the user information storage unit 111 is associated with the evaluation information, and the card usage information processing apparatus 1 uses one or more card usages corresponding to the type information included in the search instruction. By acquiring type-related information, which is information acquired using evaluation information paired with information, it is possible to notify the user's evaluation corresponding to the instructed type.

  The determination information is at least one of a card usage limit, change information regarding an increase or decrease in the card usage limit, or authorization information indicating that authorization has been performed. Card related information, card usage result information including information on overdue, card usage content information including information on whether or not one or more services are used among cashing, installment payment or revolving payment, card usage position information By including one or more pieces of information, the card-use information processing apparatus 1 can determine the type of user consumption from multiple angles.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. In addition, the software which implement | achieves the card | curd use information processing apparatus 1 in this Embodiment is the following programs.

  That is, the computer-accessible recording medium has one or more card identifiers associated with the user identifier for identifying the user, the card usage date, the card usage amount, the number of payments, and the store identifier for identifying the store using the card. A user information storage unit 111 that stores one or more user information including the card usage information, condition information that is information regarding conditions using the usage amount of the card usage information and the number of card usage information, and the user of the period And a determination information storage unit 112 that stores two or more pieces of determination information that are pairs with type information indicating the type of consumption of the computer, and this program associates a computer with the user identifier for each user identifier. A to-be-determined information acquisition unit for acquiring the to-be-determined information including one or more pieces of card usage information obtained from the user information storage unit 111, and for each user identifier The determination information is paired with the determination unit 122 that determines whether the determination information matches two or more pieces of condition information stored in the determination information storage unit 112 and the condition information that the determination unit 122 determines to match. This is a program for functioning as a type acquisition unit 123 that acquires type information from the determination information storage unit 112 and a transmission unit 13 that transmits type information acquired by the type acquisition unit 123.

  FIG. 13 is an external view of a computer system 900 that implements the card-use information processing apparatus 1 or the terminal apparatus 2 by executing the program according to the present embodiment. The present embodiment can be realized by computer hardware and a computer program executed on the computer hardware. In FIG. 13, the computer system 900 includes a computer 901 including a disk drive 905, a keyboard 902, a mouse 903, and a display 904. Note that the entire system including the keyboard 902, the mouse 903, and the display 904 may be called a computer.

  FIG. 14 is a diagram illustrating an example of the internal configuration of the computer system 900. In FIG. 14, in addition to the disk drive 905, a computer 901 is connected to an MPU 911, a ROM 912 for storing a program such as a bootup program, and the MPU 911, and temporarily stores an instruction of an application program. A RAM 913 that provides storage space, a storage 914 that stores application programs, system programs, and data, a bus 915 that interconnects the MPU 911, ROM 912, and the like, and a connection to a network such as an external network or an internal network is provided. A network card 916. The storage 914 is, for example, a hard disk, SSD, flash memory, or the like.

  A program that causes the computer system 900 to execute the functions of the card-use information processing apparatus 1 or the like is stored in a disk 921 such as a DVD or CD-ROM, inserted into the disk drive 905, and transferred to the storage 914, for example. Good. Alternatively, the program may be transmitted to the computer 901 via the network and stored in the storage 914. The program is loaded into the RAM 913 when executed. The program may be loaded directly from the disk 921 or the network. Further, the program may be read into the computer system 900 via another removable recording medium (for example, a DVD or a memory card) instead of the disk 921.

  The program does not necessarily include an operating system (OS) or a third-party program for executing functions of the card use information processing apparatus 1 or the like in 901 indicating details of the computer. The program may include only a part of an instruction that calls an appropriate function or module in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.

  The computer system 900 described above is a server or a stationary PC, but the terminal device 2 may be realized by a mobile terminal such as a tablet terminal, a smartphone, or a notebook PC. In this case, for example, the keyboard 902 and the mouse 903 are preferably replaced with a touch panel, the disk drive 905 is replaced with a memory card slot, and the disk 921 is replaced with a memory card. However, the above is merely an example, and the hardware configuration of the computer that implements the card information processing apparatus 1 or the like is not limited.

  In the above program, in a transmission step for transmitting information, a reception step for receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmission step (only performed by hardware). Not included) is not included.

  Further, in each of the above embodiments, it goes without saying that two or more communication means (terminal transmission unit 23, terminal reception unit 24, etc.) existing in one device may be physically realized by one medium. .

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the card utilization information processing apparatus and the like according to the present invention have an effect of being able to notify the type of user consumption using the card, and are useful as a card utilization information processing apparatus and the like.

DESCRIPTION OF SYMBOLS 1 Card utilization information processing apparatus 2 Terminal apparatus 11 Storage part 12 Processing part 13 Transmission part 14 Reception part 21 Terminal storage part 22 Terminal reception part 23 Terminal transmission part 24 Terminal reception part 25 Terminal output part 111 User information storage part 112 Judgment information storage Unit 121 to-be-determined information acquisition unit 122 determination unit 123 type acquisition unit 124 information configuration unit 125 evaluation information storage unit 126 type related information acquisition unit 131 type related information transmission unit 141 evaluation information reception unit 142 search instruction reception unit

Claims (10)

One or more pieces of user information including one or more pieces of card usage information having a card usage date, a card usage amount, the number of payments, and a store identifier for identifying a store using the card in association with a user identifier for identifying the user. A user information storage unit in which is stored;
Two or more pieces of judgment information, which is a set of condition information, which is information related to conditions using the usage amount of card usage information and the number of card usage information, and type information indicating the type of user consumption during the period are stored. A judgment information storage unit;
For each user identifier, a to-be-determined information acquiring unit that acquires to-be-determined information including one or more card usage information associated with the user identifier from the user information storage unit;
A determination unit that determines whether or not the determination target information matches each of two or more pieces of condition information stored in the determination information storage unit for each user identifier;
A type acquisition unit that acquires from the determination information storage unit type information that is paired with condition information that the determination unit has determined to match;
A card utilization information processing apparatus comprising: a transmission unit that transmits type information acquired by the type acquisition unit. The type acquisition unit
The type information that is paired with any condition information of the two or more condition information is acquired from the determination information storage unit when the determination unit determines that the condition information matches two or more condition information. The card information processing apparatus described.   The card use according to claim 2, wherein the type acquisition unit calculates a score indicating a degree of matching for each condition information determined to be matched, and selects type information paired with condition information having the highest score. Information processing device. Further comprising an information configuration unit configured to view the card usage details information and the type information indicating the card usage details configured using the card usage information for a predetermined period, in a mode that can be viewed together;
The transmitter is
The card use information processing apparatus according to any one of claims 1 to 3, wherein the information configured by the information configuration unit is transmitted. The transmitter is
Card usage details information indicating card usage details configured using card usage information for a predetermined period, and transmitting card usage details information having one or more item information corresponding to the card usage information,
An evaluation information receiving unit that receives evaluation information having a user's evaluation of the item information;
5. The card according to claim 1, further comprising: an evaluation information storage unit that stores the evaluation information received by the evaluation information reception unit in association with the card usage information corresponding to the item information. Use information processing device. A search instruction receiving unit for receiving a search instruction having type information;
Corresponds to one or more card usage information corresponding to type information included in the search instruction, information acquired from one or more card usage information corresponding to type information included in the search instruction, or type information included in the search instruction A type-related information acquisition unit that acquires type-related information that is information acquired using evaluation information paired with one or more card usage information
The card use information processing apparatus according to claim 1, further comprising: a type related information transmission unit that transmits the type related information acquired by the type related information acquisition unit. Any one or more card usage information in the user information storage unit is associated with the evaluation information,
The type related information acquisition unit
The card usage information processing apparatus according to claim 6, wherein type-related information, which is information acquired using evaluation information paired with one or more card usage information corresponding to the type information included in the search instruction, is acquired. The judged information is
Card related information that is one or more of the card usage limit, the change information related to raising or lowering the card usage limit, or the authorization information indicating that authorization has been made Includes card usage result information including information, card usage content information including information on whether or not one or more types of services are used among cashing, installment payment or revolving payment, and card usage position information. The card utilization information processing apparatus according to any one of claims 1 to 7. The recording medium is
One or more pieces of user information including one or more pieces of card usage information having a card usage date, a card usage amount, the number of payments, and a store identifier for identifying a store using the card in association with a user identifier for identifying the user. A user information storage unit in which is stored;
Two or more pieces of judgment information, which is a set of condition information, which is information related to conditions using the usage amount of card usage information and the number of card usage information, and type information indicating the type of user consumption during the period are stored. A judgment information storage unit,
A card information processing method performed by a determination information acquisition unit, a determination unit, a type acquisition unit, and a transmission unit,
A to-be-determined information acquisition step in which the to-be-determined information acquisition unit acquires, for each user identifier, to-be-determined information including one or more card usage information associated with the user identifier;
A determination step in which the determination unit determines, for each user identifier, whether or not the determination target information matches two or more pieces of condition information stored in the determination information storage unit;
A type acquisition step of acquiring type information paired with condition information determined by the type acquisition unit to be matched by the determination unit from the determination information storage unit;
The card utilization information processing method including the transmission step in which the transmission unit transmits the type information acquired by the type acquisition unit. Computer-accessible recording media
One or more pieces of user information including one or more pieces of card usage information having a card usage date, a card usage amount, the number of payments, and a store identifier for identifying a store using the card in association with a user identifier for identifying the user. A user information storage unit in which is stored;
Two or more pieces of judgment information, which is a set of condition information, which is information related to conditions using the usage amount of card usage information and the number of card usage information, and type information indicating the type of user consumption during the period are stored. A judgment information storage unit,
The computer,
For each user identifier, a to-be-determined information acquiring unit that acquires to-be-determined information including one or more card usage information associated with the user identifier from the user information storage unit;
A determination unit that determines whether or not the determination target information matches each of two or more pieces of condition information stored in the determination information storage unit for each user identifier;
A type acquisition unit that acquires from the determination information storage unit type information that is paired with condition information that the determination unit has determined to match;
The program for functioning as a transmission part which transmits the type information which the said type acquisition part acquired.

Images