This application is a U.S. National Phase under 35 U.S.C. § 371 of International Application No. PCT/JP2017/020649, filed on Jun. 2 2017, which in turn claims the benefit of Japanese Application No. 2016-112194, filed Jun. 3, 2016 and Japanese Application No. 2016-236643, filed Dec. 6, 2016, the disclosures of which are incorporated in their entireties by reference herein.

TECHNICAL FIELD

The present invention relates to an information system and so on that assist a user in using a card. The present invention also relates to an information system and so on that process credit card information.

BACKGROUND ART

In recent years, there are many services in which a user using a card at a store can receive a reward such as points or a discount. Generally, different cards are available at different stores, and a reward is also different depending on which card is used. Therefore, many users have two or more cards. However, it is a burden for a user to carry all of his/her cards with him/her.

To solve this problem, there are conventional information systems that reduce such a burden by managing information regarding two or more cards owned by one user, on one card (for example, see Non-patent Documents 1, 2, and 3).

Conventional information systems also include a prepaid settlement system in which a credit card number assigned by a credit card issuing company is stored, each customer is given a credit card number, and when a customer makes a payment, the customer uses the given credit card number to perform settlement (for example, see Patent Document 1). This system also allows a customer's credit card number to be changed in response to a request from the customer.

CITATION LIST

Non-Patent Document

Non-patent Document 1: “plastcs”, plastcs Inc., [online], [accessed on May 18, 2016], the Internet [URL: https://plastc.com/]Non-patent Document 2: “STRATOS”, Stratos, Inc., [online], [accessed on May 18, 2016], the Internet [URL: https://stratoscard.com/]Non-patent Document 3: “COIN”, Coin, Inc., [online], [accessed on May 18, 2016], the Internet, [URL: https://onlycoin.com/]

Patent Document

Patent Document 1: JP 2011-3037A (page 1, FIG. 1, etc.)

SUMMARY OF THE INVENTION

Technical Problem

However, the above-described conventional information systems also do not manage information regarding a reward of each card that a user can receive when using the card. Which card is to be used is up to the user's selection, and it is not easy for the user to determine and use a card with which the user can receive a reward that is beneficial for the user.

Therefore, the present invention aims to realize an information system and so on that assist a user to use a card with which the user can receive a reward (points, a discount, or the like) that is beneficial for the user.

Conventional information systems also can not automatically change a credit card number.

Therefore, the present invention aims to realize an information system and so on that can automatically change a credit card number.

Solution to Problem

An information system according to one aspect of the present invention is an information system including: a store information storage unit in which one or more pieces of store information are stored, each piece of store information including a store identifier that identifies a store, and two or more pieces of card information each including a card identifier that identifies a card that is available at the store and reward information regarding a reward that is to be gained when the card is used; a store specifying information accepting unit that accepts store specifying information that specifies a store at which a card is used when an item or a service is purchased; a reward-related information acquisition unit that uses two or more pieces of reward information included in card information regarding two or more cards corresponding to two or more pieces of card information included in store information regarding a store specified by the store specifying information, out of two or more cards specified by owned-card specifying information that is stored information that specifies two or more cards owned by a user who purchases an item or a service, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and a reward-related information output unit that outputs the reward-related information acquired by the reward-related information acquisition unit.

Such a configuration realizes an information system that assists a user to use a card with which the user can receive a reward that is beneficial for the user. As a result, the user can easily select a card with which the user can receive a beneficial reward, from among multiple cards that are available at the store and owned by the user, by using reward-related information that has been output.

An information system according to a second aspect of the present invention is the information system according to the first aspect of the invention, wherein the reward-related information acquisition unit uses reward information regarding two or more cards that the user can use at the store, to acquire reward-related information that specifies a card corresponding to reward information that indicates the highest reward, based on a predetermined method.

Such a configuration enables the user to easily select a card with which the user can receive the most beneficial reward. That is, the user can select a card such that the user can receive the highest reward at each store.

An information system according to a third aspect of the present invention is the information system according to the first aspect of the invention, wherein the reward-related information acquisition unit uses reward information regarding two or more cards that the user can use at the store, to acquire ranks of the two or more pieces of reward information, based on a predetermined method, and acquire reward-related information that specifies the ranks.

Such a configuration enables the user to select a card that is to be used, using reward-related information that specifies the ranks of the two or more pieces of reward information and considering the ranks of the rewards as well.

An information system according to a fourth aspect of the present invention is the information system according to any one of the first to third aspects of the invention, the information system including: a server device; a terminal device; and a card device, the server device including: the store information storage unit; the store specifying information accepting unit that receives the store specifying information from the terminal device; an owned-card specifying information acquisition unit that receives the owned-card specifying information from the terminal device; the reward-related information acquisition unit that uses two or more pieces of reward information included in card information regarding two or more cards corresponding to two or more pieces of card information included in store information regarding a store specified by the store specifying information received by the owned-card specifying information acquisition unit, out of two or more cards specified by the owned-card specifying information received by the store specifying information accepting unit, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and the reward-related information output unit that outputs the reward-related information acquired by the reward-related information acquisition unit to the terminal device, the terminal device including: an owned-card specifying information storage unit in which the owned-card specifying information is stored; a second store specifying information accepting unit that accepts the store specifying information; a store specifying information transmitting unit that transmits the store specifying information accepted by the second store specifying information accepting unit to the server device; a second owned-card specifying information acquisition unit that acquires owned-card specifying information from the owned-card specifying information storage unit; an owned-card specifying information transmitting unit that transmits the owned-card specifying information acquired by the second owned-card specifying information acquisition unit to the server device; a reward-related information receiving unit that receives the reward-related information from the server device; and a reward-related information transmitting unit that transmits the reward-related information received by the reward-related information receiving unit to the card device, and the card device including: a second reward-related information receiving unit that receives the reward-related information from the terminal device; and a second reward-related information output unit that outputs the reward-related information received by the second reward-related information receiving unit.

Such a configuration realizes an information system that includes the server device, the terminal device, and the card device, and in which the server device plays the leading role and assists the user to use a card with which the user can receive a beneficial reward.

An information system according to a fifth aspect of the present invention is the information system according to any one of the first to third aspects of the invention, the information system including: a server device; a terminal device; and a card device, the server device including: the store information storage unit; the store specifying information accepting unit that receives the store specifying information from the terminal device; a card information acquisition unit that acquires, from the store information storage unit, two or more pieces of card information corresponding to the store specifying information received by the store specifying information accepting unit; and a card information transmitting unit that transmits the two or more pieces of card information acquired by the card information acquisition unit to the terminal device, the terminal device including: an owned-card specifying information storage unit in which owned-card specifying information that specifies two or more cards owned by a user is stored; a second store specifying information accepting unit that accepts the store specifying information; a store specifying information transmitting unit that transmits the store specifying information accepted by the second store specifying information accepting unit to the server device; a card information receiving unit that receives the two or more pieces of card information from the server device in response to the store specifying information being transmitted; an owned-card specifying information acquisition unit that acquires the owned-card specifying information from the owned-card specifying information storage unit; the reward-related information acquisition unit that uses two or more pieces of reward information included in the two or more pieces of card information received by the card information receiving unit, and the owned-card specifying information, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and the reward-related information output unit that transmits the reward-related information acquired by the reward-related information acquisition unit to the card device, and the card device including: a reward-related information receiving unit that receives the reward-related information from the terminal device; and a second reward-related information output unit that outputs the reward-related information received by the reward-related information receiving unit.

Such a configuration realizes an information system that includes the server device, the terminal device, and the card device, and in which the terminal device plays the leading role and assists the user to use a card with which the user can receive a beneficial reward.

An information system according to a sixth aspect of the present invention is the information system according to any one of the first to third aspects of the invention, wherein each of the two or more cards is a card that has a credit card function, the information system further includes: a credit card information storage unit in which credit card information that includes at least a credit card number of a card is stored; a card selection accepting unit that accepts selection of one card from among two or more cards, in response to reward-related information being output by the reward-related information output unit; and a credit card information output unit that outputs at least a credit card number included in credit card information that is stored in the credit card information storage unit and that constitutes a pair with the one card, in response to the selection being accepted; and a credit card number changing unit that, when a predetermined condition is satisfied, changes a credit card number included in each of one or more pieces of credit card information stored in the credit card information storage unit.

Such a configuration makes it possible to automatically change a credit card number.

An information system according to a seventh aspect of the present invention is the information system according to any one of the first to third aspects of the invention, the information system including: a server device; and a card device, the server device including: the store information storage unit; the store specifying information accepting unit that receives the store specifying information from the card device; a card information acquisition unit that acquires, from the store information storage unit, two or more pieces of card information corresponding to the store specifying information received by the store specifying information accepting unit; a card information transmitting unit that transmits the two or more pieces of card information acquired by the card information acquisition unit to the card device; an owned-card specifying information acquisition unit that receives, from the card device, owned-card specifying information that specifies two or more cards owned by a user who purchases an item or a service; the reward-related information acquisition unit that uses two or more pieces of reward information included in card information regarding two or more cards corresponding to two or more pieces of card information included in store information regarding a store specified by the store specifying information received by the store specifying information accepting unit, out of two or more cards specified by the owned-card specifying information received by the owned-card specifying information acquisition unit, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and the reward-related information output unit that transmits the reward-related information acquired by the reward-related information acquisition unit to the card device, and the card device including: an owned-card specifying information storage unit in which owned-card specifying information that specifies two or more cards owned by a user is stored; a second store specifying information accepting unit that accepts the store specifying information; a store specifying information transmitting unit that transmits the store specifying information to the server device; a card information receiving unit that receives the two or more pieces of card information from the server device in response to the store specifying information being transmitted; a second owned-card specifying information acquisition unit that acquires owned-card specifying information from the owned-card specifying information storage unit; an owned-card specifying information transmitting unit that transmits the owned-card specifying information acquired by the second owned-card specifying information acquisition unit to the server device; a reward-related information receiving unit that receives the reward-related information; and a second reward-related information output unit that outputs the reward-related information received by the reward-related information receiving unit.

Such a configuration realizes an information system that includes the server device and the card device, and in which the server device plays the leading role and assists the user to use a card with which the user can receive a beneficial reward.

A card device according to an eighth aspect of the present invention is a card device including: an owned-card specifying information storage unit in which owned-card specifying information that specifies two or more cards owned by a user is stored; a reward-related information receiving unit that receives reward-related information; and a reward-related information output unit that outputs one or more pieces of reward-related information received by the reward-related information receiving unit.

Such a configuration realizes a card device that cooperates with a server device and that assists a user to use a card with which the user can receive a reward that is beneficial for the user.

A card device according to a ninth aspect of the present invention is the card device according to the eighth aspect, wherein settlement is performed using a card corresponding to one piece of reward-related information out of the one or more pieces of reward-related information output by the reward-related information output unit.

Such a configuration enables a user to select one card based on one or more pieces of reward-related information that have been output, and use the card to perform settlement.

A terminal device according to a tenth aspect of the present invention is a terminal device including: an owned-card specifying information storage unit in which owned-card specifying information that specifies two or more cards owned by a user is stored; a store specifying information accepting unit that accepts store specifying information; a store specifying information transmitting unit that transmits the store specifying information to a server device; a card information receiving unit that receives the two or more pieces of card information from the server device in response to the store specifying information being transmitted; a reward-related information acquisition unit that acquires reward-related information related to reward information regarding two or more cards that the user can use at a store, using the owned-card specifying information stored in the owned-card specifying information storage unit and two or more pieces of reward information included in the two or more pieces of card information received by the card information receiving unit; and a reward-related information output unit that outputs the reward-related information acquired by the reward-related information acquisition unit.

Such a configuration realizes a terminal device that cooperates with a server device and that assists a user to use a card with which the user can receive a reward that is beneficial for the user.

A server device according to an eleventh aspect of the present invention is a server device including: a store information storage unit in which one or more pieces of store information are stored, each piece of store information including a store identifier that identifies a store, and two or more pieces of card information each including a card identifier that identifies a card that is available at the store and reward information regarding a reward that is to be gained when the card is used; a store specifying information receiving unit that receives store specifying information that specifies a store at which a card is used when an item or a service is purchased; a reward-related information acquisition unit that uses two or more pieces of reward information included in card information regarding two or more cards corresponding to two or more pieces of card information included in store information regarding a store specified by the store specifying information, out of two or more cards specified by owned-card specifying information that is stored information that specifies two or more cards owned by a user who purchases an item or a service, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and a reward-related information output unit that outputs the reward-related information acquired by the reward-related information acquisition unit.

Such a configuration realizes a server device that assists a user to use a card with which the user can receive a reward that is beneficial for the user.

An information system according to a twelfth aspect of the present invention is an information system including: a credit card information storage unit in which one or more pieces of credit card information are stored, each piece of credit card information including at least a credit card number of a card that has a credit card function, and constituting a pair with user identification information that identifies a user of the card; an output request accepting unit that accepts an output request that requests output of credit card information that constitutes a pair with one piece of user identification information; a credit card information output unit that outputs at least a credit card number included in credit card information that is stored in the credit card information storage unit and that constitutes a pair with one piece of user identification information, in response to the output request being accepted; and a credit card number changing unit that, when a predetermined condition is satisfied, changes a credit card number included in the credit card information stored in the credit card information storage unit.

Such a configuration makes it possible to automatically change a credit card number. As a result, for example, security is improved when settlement is performed using a card.

An information system according to a thirteenth aspect of the present invention is the information system according to the twelfth aspect of the invention, further including: a timing information storage unit in which timing information that indicates predetermined timing is stored, wherein the credit card number changing unit changes the credit card number at each timing indicated by the timing information.

Such a configuration makes it possible to change a credit card number according to timing information.

An information system according to a fourteenth aspect of the present invention is the information system according to the first aspect of the invention, further including: a usage mode information acquisition unit that acquires usage mode information that indicates a usage mode in which a credit card function of a card is used, wherein the credit card number changing unit changes the credit card number at a frequency corresponding to the usage mode indicated by the usage mode information.

Such a configuration makes it possible to change a credit card number at a frequency corresponding to a frequency at which the credit function is used.

An information system according to a fifteenth aspect of the present invention is the information system according to any one of the twelfth to fourteenth aspects of the invention, the information system including a credit card information processing device and a card device, the credit card information processing device including: a credit card information storage unit; a credit card number changing unit; an output request receiving unit that receives an output request in a pair with user identification information; and a credit card information transmitting unit that transmits the credit card information that is stored in the credit card information storage unit and that constitutes a pair with user identification information, in response to the output request being received, the card device including: a user identification information storage unit in which one piece of user identification information is stored; an output request accepting unit; an output request transmitting unit that transmits the output request accepted by the output request accepting unit, in a pair with the one piece of user identification information; a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request; and a credit card information output unit that outputs at least a credit card number included in the credit card information received by the credit card information receiving unit.

With such a configuration, the credit card information processing device can automatically change the credit card number output by the card device.

An information system according to a sixteenth aspect of the present invention is the information system according to any one of the twelfth to fourteenth aspects of the invention, the information system including; a credit card information processing device; a terminal device; and a card device, the credit card information processing device including: a credit card information storage unit; a credit card number changing unit; an output request receiving unit that receives an output request in a pair with user identification information; and a credit card information transmitting unit that transmits the credit card information that is stored in the credit card information storage unit and that constitutes a pair with user identification information, in response to the output request being received, the terminal device including: an output request transfer unit that receives an output request in a pair with user identification information, and transmits the output request to the credit card information processing device; and a credit card information transfer unit that receives the credit card information transmitted by the credit card information transmitting unit, and transmits the credit card information to the card device, and the card device including: a user identification information storage unit in which one piece of user identification information is stored; an output request accepting unit; an output request transmitting unit that transmits the output request accepted by the output request accepting unit, in a pair with the one piece of user identification information; a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request; and a credit card information output unit that outputs at least a credit card number included in the credit card information received by the credit card information receiving unit.

With such a configuration, the credit card information processing device can automatically change the credit card number output by the card device, using the terminal device.

An information system according to a seventeenth aspect of the present invention is the information system according to the sixteenth aspect of the invention, the information system further including: a timing information storage unit in which timing information that indicates predetermined timing is stored, wherein the credit card number changing unit changes the credit card number at each timing indicated by the timing information.

Such a configuration makes it possible to change a credit card number according to timing information.

An information system according to an eighteenth aspect of the present invention is the information system according to the sixteenth or seventeenth aspect of the invention, the information system further including: a usage mode information acquisition unit that acquires usage mode information that indicates a usage mode in which a credit card function of a card is used, wherein the credit card number changing unit changes the credit card number at a frequency corresponding to the usage mode indicated by the usage mode information.

Such a configuration makes it possible to change a credit card number at a frequency corresponding to a frequency at which the credit card function is used.

An information system according to a nineteenth aspect of the present invention is the information system according to any one of the sixteenth to eighteenth aspects of the invention, the information system including: a credit card information processing device; and a card device, the credit card information processing device including: a credit card information storage unit; a credit card number changing unit; an output request receiving unit that receives an output request in a pair with user identification information; and a credit card information transmitting unit that transmits the credit card information that is stored in the credit card information storage unit and that constitutes a pair with user identification information, in response to the output request being received, the card device including: a user identification information storage unit in which one piece of user identification information is stored; an output request accepting unit; an output request transmitting unit that transmits the output request accepted by the output request accepting unit, in a pair with the one piece of user identification information; a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request; and a credit card information output unit, wherein the credit card information output unit outputs at least a credit card number included in the credit card information received by the credit card information receiving unit.

Such a configuration makes it possible to periodically change a credit card number output by the card device.

An information system according to a twentieth aspect of the present invention is the information system according to any one of the sixteenth to eighteenth aspects of the invention, the information system including: a credit card information processing device; a terminal device; and a card device, the credit card information processing device including: a credit card information storage unit; a credit card number changing unit; an output request receiving unit that receives an output request in a pair with user identification information; and a credit card information transmitting unit that transmits the credit card information that is stored in the credit card information storage unit and that constitutes a pair with user identification information, in response to the output request being received, the terminal device including: an output request transfer unit that receives an output request in a pair with user identification information, and transmits the output request to the credit card information processing device; and a credit card information transfer unit that receives the credit card information transmitted by the credit card information transmitting unit, and transmits the credit card information to the card device, and the card device including: a user identification information storage unit in which one piece of user identification information is stored; an output request accepting unit; an output request transmitting unit that transmits the output request accepted by the output request accepting unit, in a pair with the one piece of user identification information; a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request; and a credit card information output unit, wherein the credit card information output unit outputs at least a credit card number included in the credit card information received by the credit card information receiving unit.

Such a configuration makes it possible to periodically change a credit card number output by the card device, using the terminal device.

Advantageous Effects of Invention

The present invention realizes an information system and so on that assist a user to use a card with which the user can receive a reward that is beneficial for the user.

The present invention also realizes an information system and so on that can automatically change a credit card number.

