Storage medium storing program, information processing device, and method for operating system

Abstract

The invention provides a storage medium storing a program, an information processing apparatus, and a method of operating a system. And a storage medium for storing a program of the terminal device, the program being executed by a control unit of the terminal device, causing the control unit to execute an operation of outputting information on an interface for prompting a user to use a settlement service provided by an operator, and outputting information on an interface for prompting the user to use the settlement service provided by the operator. And a transmission unit that transmits the authentication information of the user input on the basis of the interface to an information processing device that executes a process for performing the settlement service, presents another service provided by the operator by using the interface, and transmits the authentication information of the user input on the basis of the interface to the information processing device when an instruction to apply for use of the another service is received. And transmitting the authentication information to the information processing device.

Description

Technical Field

[0001] The present disclosure relates to a storage medium of a terminal device, an information processing device, and a system operation method. Background Art

[0002] Recently, various settlement methods such as settlement using credit cards and mobile settlement using terminal devices such as smartphones are becoming popular, and technologies that assist these settlement methods have been proposed. For example, Japanese Patent Application Laid-Open No. 2019-145071 discloses a system that assists credit card membership review. Summary of the invention

[0003] Among users who use various payment methods, there is room for improving convenience.

[0004] The present disclosure relates to a storage medium of a terminal device and the like that can improve the convenience of users who use various payment methods.

[0005] The storage medium of the terminal device in the present disclosure stores the program, wherein:

[0006] By executing the program by the control unit of the terminal device, the control unit performs the following operations, namely:

[0007] Outputting information on an interface for prompting users to use the settlement service provided by the operator,

[0008] sending the user's authentication information inputted through the interface to an information processing device that executes processing for performing the settlement service, and

[0009] Other services provided by the operator are presented on the interface, and when an instruction to apply for use of the other services is accepted, the authentication information is sent to the information processing device.

[0010] The information processing device in the present disclosure has:

[0011] Ministry of Communications;

[0012] a control unit that implements communication through the communication unit,

[0013] The control unit implements the following operations, namely:

[0014] receiving, from a terminal device having an interface for prompting the user to use a settlement service provided by the operator, authentication information of the user inputted through the interface, and executing processing for performing the settlement service,

[0015] The other services provided by the operator are presented on the interface, the authentication information transmitted from the terminal device in response to an instruction for application for use of the other services is received, and processing for permitting the user to use the other services is performed.

[0016] In the operating method of the system in the present disclosure, the system has a terminal device and an information processing device that communicate with each other, wherein:

[0017] The terminal device outputs information of an interface for prompting the user to use the settlement service provided by the operator, and sends the authentication information of the user inputted through the interface.

[0018] The information processing device receives the authentication information of the user and executes processing for performing the settlement service.

[0019] The interface prompts other services provided by the operator, and when the terminal device receives an instruction to apply for the use of the other services, the terminal device sends the authentication information.

[0020] The information processing device receives the authentication information and executes processing for permitting the user to use the other service.

[0021] According to the storage medium and the like of the terminal device in the present disclosure, it is possible to improve the convenience of users who use various payment methods. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Features, advantages, technical and industrial significance of representative embodiments of the present invention will be described in the following drawings for reference, wherein like symbols indicate like elements.

[0023] Figure 1 A diagram showing a configuration example of an information processing system.

[0024] Figure 2 A diagram showing an example of the operation steps of an information processing system.

[0025] Figure 3 A diagram showing an example of the operation steps of an information processing system.

[0026] Figure 4 A diagram showing an example of an application interface. DETAILED DESCRIPTION

[0027] Hereinafter, embodiments will be described with reference to the drawings.

[0028] Figure 11 is a diagram showing a configuration example of an information processing system according to an embodiment. The information processing system 1 includes one or more server devices 10 and terminal devices 12. The one or more server devices 10 and terminal devices 12 are connected to each other via a network 11 so as to be able to communicate information with each other.

[0029] The server device 10 is, for example, a server computer that belongs to a cloud computing system or other computing system and functions as a server for installing various functions. The server device 10 may also be composed of two or more server computers that are connected together in a manner that enables information communication and work in collaboration. The server device 10 corresponds to the "information processing device" in this embodiment. The "information processing device" in this embodiment performs information processing for services such as settlement provided by operators such as financial enterprises (hereinafter, simply referred to as operators).

[0030] The terminal device 12 is a terminal device carried by the user when traveling, and has a communication function and is configured to be able to perform various information processing. The terminal device 12 is, for example, a smartphone, a smart watch, a wearable terminal, or the like.

[0031] The network 11 is, for example, the Internet, but includes a mobile communication network, an ad hoc network, a Local Area Network (LAN), a Metropolitan Area Network (MAN), or other networks, or any combination thereof.

[0032] The information processing system 1 assists the use of settlement services provided by the operator by the user. Settlement services include so-called mobile settlement. Mobile settlement includes the process of reading the information required for settlement by the terminal device 12 in a store, etc., or causing the store terminal to read the information. Alternatively, mobile settlement includes the process of sending and receiving the information required for settlement between the terminal device 12 and the store terminal through non-contact short-range wireless communication. Mobile settlement is performed based on the user's authentication information, and the user's authentication information is provided from the terminal device 12 to the server device 10. Other services of the settlement service include credit settlement, loan borrowing, purchase of goods, etc. using credit cards provided by the operator. The terminal device 12 has an application for using the settlement service. The terminal device 12 provides the user with an interface for using the settlement service by executing the application. The interface (hereinafter referred to as the application interface) includes a screen including an operation menu of the application, voice guidance, etc.

[0033] The terminal device 12 outputs information for an application interface, which prompts the user to execute the mobile settlement service provided by the operator. The terminal device 12 accepts the user's authentication information input according to the application interface and sends the authentication information. The server device 10 receives the user's authentication information and executes processing for performing the mobile settlement service. Other services provided by the operator, such as credit settlement, loan borrowing, and purchase of goods, are prompted in the application interface. When the terminal device 12 accepts an instruction to apply for the use of the service, the terminal device 12 sends the authentication information. The server device 10 receives the authentication information and executes processing for permitting the user to use other services. When the user uses the mobile settlement service, if the user enters the authentication information once in the application interface, when the user applies to use other services, even if the user does not enter the authentication information again, the authentication information pre-stored by the terminal device 12 can be sent to the server device 10 to perform processing for using other services. Therefore, the complicated work of the user entering the authentication information multiple times is omitted, thereby improving the convenience of the user.

[0034] The respective structures of the server device 10 and the terminal device 12 are described in detail.

[0035] The server device 10 includes a communication unit 101, a storage unit 102, and a control unit 103. When the server device 10 is composed of two or more server computers, the configurations of these components are appropriately arranged in the two or more computers.

[0036] The communication unit 101 includes one or more communication interfaces. The communication interface is, for example, a LAN interface. The communication unit 101 receives information used in the operation of the server device 10. In addition, the communication unit 101 sends information obtained through the operation of the server device 10. The server device 10 is connected to the network 11 through the communication unit 101, and performs information communication with the terminal device 12 via the network 11.

[0037] The storage unit 102 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 102 includes one or more semiconductor memories, one or more magnetic memories, one or more optical memories, or a combination of at least two of them. The semiconductor memory is, for example, a Random Access Memory (RAM) or a Read Only Memory (ROM). The RAM is, for example, a Static RAM (SRAM) or a Dynamic RAM (DRAM). The ROM is, for example, an Electrically Erasable Programmable ROM (EEPROM). The storage unit 102 stores information used for the operation of the server device 10 and information obtained through the operation of the server device 10.

[0038] The control unit 103 includes one or more processors, one or more dedicated circuits, or a combination thereof. The processor is, for example, a general-purpose processor such as a Central Processing Unit (CPU) or a dedicated processor such as a Graphics Processing Unit (GPU) dedicated to specific processing. The dedicated circuit is, for example, a Field-Programmable Gate Array (FPGA), an Application Specific Integrated Circuit (ASIC), etc. The control unit 103 controls each part of the server device 10 and performs information processing related to the operation of the server device 10.

[0039] The functions of the server device 10 are implemented by the processor included in the control unit 103 executing the control program. The control program is a program for causing the computer to function as the server device 10. A part or all of the functions of the server device 10 may be implemented by a dedicated circuit included in the control unit 103. The control program may also be stored in a non-transitory recording medium or storage medium that can be read by the server device 10, and read from the medium by the server device 10.

[0040] The terminal device 12 includes a communication unit 121 , a storage unit 122 , a control unit 123 , a positioning unit 124 , an input unit 125 , and an output unit 126 .

[0041] The communication unit 121 has a communication module corresponding to a wired or wireless LAN standard, a module corresponding to a mobile communication standard such as Long Term Evolution (LTE), 4th Generation (4G), or 5th Generation (5G), a short-range wireless communication module, etc. The terminal device 13 is connected to the network 11 through the communication unit 121 and via a nearby router device or a mobile communication base station. The terminal device 13 performs information communication with other devices via the network 11, or directly performs information communication with other devices.

[0042] The storage unit 122 includes one or more semiconductor memories, one or more magnetic memories, one or more optical memories, or a combination of at least two of them. The semiconductor memory is, for example, a RAM or a ROM. The RAM is, for example, an SRAM or a DRAM. The ROM is, for example, an EEPROM. The storage unit 122 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 122 stores information used for the operation of the control unit 123 and information obtained by the operation of the control unit 123.

[0043] The control unit 123 has, for example, one or more general-purpose processors such as a CPU or a Micro Processing Unit (MPU), or one or more dedicated processors dedicated to a specific process. Alternatively, the control unit 123 may also have one or more dedicated circuits such as FPGAs and ASICs. The control unit 123 controls the operation of the terminal device 13 in an integrated manner by operating according to a control program or a processing program, or by operating according to an operation step installed as a circuit. In addition, the control unit 123 sends and receives various information to and from the server device 10, etc. via the communication unit 121, and performs the operations involved in this embodiment.

[0044] The positioning unit 124 includes one or more Global Navigation Satellite System (GNSS: Global Navigation Satellite System) receivers. GNSS includes, for example, at least one of the Global Positioning System (GPS: Global Positioning System), Quasi-Zenith Satellite System (QZSS: Quasi-Zenith Satellite System), BeiDou, Global Navigation Satellite System (GLONASS: Global Navigation Satellite System), and Galileo. The positioning unit 124 obtains the location information of the terminal device 12 and sends the location information to the control unit 123.

[0045] The input unit 125 includes one or more input interfaces. The input interface includes, for example, a physical key, an electrostatic capacitance key, a pointing device, a touch screen integrated with a display, a camera for importing a captured image or an image code, or an IC card reader. The input interface may also include a microphone for accepting voice input. The input unit 125 accepts input of information used for the operation of the control unit 123 and sends the input information to the control unit 123.

[0046] The output unit 126 includes one or more output interfaces. The output interface is, for example, a display or a speaker. The display is, for example, an LCD or an organic EL display. The output unit 126 outputs information obtained by the operation of the control unit 123.

[0047] The functions of the control unit 123 are realized by executing the control program by the processor included in the control unit 123. The control program is a program for causing the processor to function as the control unit 123. In addition, part or all of the functions of the control unit 123 may be realized by a dedicated circuit included in the control unit 123.

[0048] Figure 2 , Figure 3 This is a sequence diagram for explaining the operation procedure of the information processing system 1 in this embodiment. Figure 2 , Figure 3 The following shows the steps related to the cooperation between the server device 10 and the terminal device 12. Figure 2 , Figure 3 The steps related to various information processing of the server device 10 and the terminal device 12 are executed by the control units 103 and 123, respectively. In addition, the steps related to the transmission and reception of various information of the server device 10 and the terminal device 12 are executed by the respective control units 103 and 123 of the server device 10 and the terminal device 12 transmitting and receiving information to each other via the communication units 101 and 121, respectively. In the server device 10 and the terminal device 12, the information transmitted and received by the control units 103 and 123 is appropriately stored in the respective storage units 102 and 122. In addition, in the terminal device 12, the control unit 123 receives input of various information via the input unit 125, and outputs various information via the output unit 126.

[0049] Figure 2 The steps are executed when the user uses the mobile settlement service using the terminal device 12. For example, when the user starts the settlement application of the terminal device 12, the execution Figure 2 steps.

[0050] In S20, in response to the input realized by the user's operation, the terminal device 12 implements the processing for performing the settlement application setting. The terminal device 12 displays an application interface that prompts the user to input authentication information, such as a screen for initial setting. The screen for initial setting includes text information that prompts the input of the user name, password, and financial account to be settled. The user inputs the user name, password, financial account information, etc., for example, by touching the touch panel. The initial setting screen may also include information that prompts the user to present an identity certificate such as a driver's license. For example, the terminal device 12 may also use a camera to capture the identity certificate and include the captured image in the authentication information, or extract information from the captured image and include the information in the authentication information.

[0051] In S21, the terminal device 12 transmits the authentication information to the server device 10. The terminal device 12 may encrypt the authentication information using any algorithm. The authentication information includes the identification information of the terminal device 12.

[0052] In S22, the server device 10 sets the settlement information using the authentication information. For example, the server device 10 stores the user's authentication information and the identification information of the terminal device 12 in an associated manner.

[0053] By executing S20 to S22 at one time, the user can use the settlement service.

[0054] S23 to S25 are executed every time the user uses the settlement service. For example, when the user makes a purchase in a store and pays for the goods, if the user starts the settlement application of the terminal device 12, the terminal device 12 will display the application interface for the settlement service. Figure 4 The main screen 40 is shown. The main screen 40 has an operation icon 41 for selecting mobile payment. When the user clicks the operation icon 41 to select execution of mobile payment, S23 to S25 will be executed.

[0055] In S23, in response to the input realized by the user's operation, the terminal device 12 implements a process for executing the settlement. Figure 4The mobile settlement screen 43 is displayed. The mobile settlement screen 43 has an operation icon 44 that indicates the start of the camera in order to read an image code such as a barcode or a QR code (registered trademark). When the user clicks the operation icon 44, the terminal device 12 starts the camera and, for example, reads the image code representing information for specifying the store operator and implementing the settlement process through the camera. The terminal device 12 sends the settlement information used for the settlement process to the server device 10. The settlement information includes, for example, the identification information of the store operator corresponding to the image code, the information of the settlement payment entered by the user, and the like. In addition, for example, the mobile settlement screen 43 displays an image code 45 representing the identification information of the user, and the terminal device 12 causes the terminal device of the store to read the image code 45. As a result, the settlement information including the identification information of the user, the information of the settlement payment, and the like is sent from the terminal device of the store to the server device 10. Alternatively, the terminal device 12 can also send and receive the information required for the settlement with the store terminal through short-range wireless communication. In addition, the mobile settlement screen 43 includes a balance display 46 representing the current balance that can be used.

[0056] In S24, the server device 10 obtains the settlement information. The server device 10 obtains the settlement information transmitted from the terminal device 12 or the terminal device of the store in accordance with S23.

[0057] In S25, the server device 10 executes a settlement process. The server device 10 executes a process of settling the settlement amount in the user's financial account based on the settlement information. The settlement process is executed by cooperating with a server of a financial institution.

[0058] Figure 3 The step is a step in which the user selects other services through the application interface of the settlement application of the terminal device 12. When the user starts the settlement application, the terminal device 12 starts Figure 4 The main screen 40 shown in FIG. 40 includes an operation icon 41 for selecting mobile payment and an operation icon 42 for starting a service menu for other services. When the user clicks the operation icon 42 to select the service menu, S30 to S33 are executed.

[0059] In S30, based on the input realized by the user's operation, the terminal device 12 prompts the application interface including the service menu. For example, the terminal device 12 accepts the selection of the operation icon 42 and Figure 4The service menu screen 47 is displayed. The service menu screen 47 includes, for example, an operation icon 48 for requesting a credit card service provided by the operator, an operation icon 49 for requesting a loan service provided by the operator, and an operation icon 400 for requesting a vehicle trade-in service.

[0060] In S31, the terminal device 12 accepts a request for use of the service based on an input by a user's operation. The terminal device 12 accepts a selection by a user clicking on the operation icon 48, 49, or 400.

[0061] In S32, the terminal device 12 sends the authentication information to the server device 10. The terminal device 12 reads the authentication information stored in the storage unit 122 in S20 together with the information specifying the service corresponding to the selected operation icon 48, 49 or 400, and sends the information to the server device 10. The authentication information may also be encrypted by an arbitrary algorithm. In addition, the identification information of the terminal device 12 is added to the authentication information.

[0062] In S33, the server device 10 uses the authentication information to implement processing for permitting the use of the service. For example, the server device 10 uses the user's authentication information to identify the user and his or her financial account, and performs processing for conducting an audit, which is an audit for issuing a credit card. In addition, the server device 10 uses the user's authentication information to perform processing for conducting a loan audit. In addition, the server device 10 uses the user's authentication information to perform processing for storing history information, which is history information when evaluating the trade-in of a vehicle. These processes are performed by cooperating with other servers that provide credit granting information, etc.

[0063] According to the steps described in the above content, when using the mobile settlement service, if the user enters the authentication information once in the application interface, the terminal device 12 will store the authentication information in advance. Therefore, when the user applies to use other services, even if the user does not enter the authentication information again, the terminal device 12 can send the pre-stored authentication information to the server device 10. Thus, processing for using other services can be performed. Therefore, the complicated work of the user entering the authentication information multiple times is omitted, thereby improving the convenience of the user.

[0064] In the above description, an example is shown in which the terminal device 12 displays an operation screen as an application interface. However, the present embodiment also includes a case in which the application interface is presented by outputting text information of the operation screen by voice.

[0065] In addition, in the above-mentioned embodiment, the processing program or control program that defines the operation of the control unit 123 of the terminal device 12 may be stored in the storage unit of the server device 10 or other server devices, and downloaded to each terminal device 12 via the network 11. Alternatively, the processing program or control program may be stored in a recording medium or storage medium that can be read by each terminal device 12, and read from the medium by each terminal device 12.

[0066] Although the above content describes the implementation mode based on the drawings and embodiments, it is noted that it is easy for a person skilled in the art to implement various modifications and corrections based on the present disclosure. Therefore, please note that these modifications and corrections are included in the scope of the present disclosure. For example, the functions included in each unit, each step, etc. can be reconfigured in a logically non-contradictory manner. Multiple units, steps, etc. can be combined into one or divided.

Claims

1. A storage medium for storing a program, which stores a program for a terminal device, wherein: By executing the program by the control unit of the terminal device, the control unit performs the following operations, namely: Outputting information on an interface for prompting users to use the settlement service provided by the operator, sending the user's authentication information inputted through the interface to an information processing device that executes processing for performing the settlement service, and Other services provided by the operator are presented using the interface, and when an instruction to apply for use of the other services is accepted, the authentication information is transmitted to the information processing device.

2. The storage medium storing the program according to claim 1, wherein: The control unit stores the user's authentication information input for using the settlement service in the storage unit, and when receiving an instruction for an application to use the other service, sends the authentication information stored in the storage unit to the information processing device without receiving further input of the authentication information.

3. An information processing device comprising: Ministry of Communications; a control unit that implements communication through the communication unit, The control unit implements the following operations, namely: receiving, from a terminal device having an interface for prompting the user to use a settlement service provided by the operator, authentication information of the user inputted through the interface, and executing processing for performing the settlement service, and The other services provided by the operator are presented using the interface, the authentication information transmitted from the terminal device in response to an instruction to apply for use of the other services is received, and processing for permitting the user to use the other services is performed.

4. A method for operating a system comprising a terminal device and an information processing device communicating with each other, wherein: The terminal device outputs information of an interface for prompting the user to use the settlement service provided by the operator, and sends the authentication information of the user inputted through the interface. The information processing device receives the authentication information of the user and executes processing for performing the settlement service. Using the interface, other services provided by the operator are presented, and when the terminal device receives an instruction to apply for use of the other services, the terminal device sends the authentication information, and The information processing device receives the authentication information and executes processing for permitting the user to use the other service.

5. The method of operation of the system according to claim 4, wherein: The terminal device stores the user's authentication information input for using the settlement service in a storage unit, and when receiving an instruction for an application to use the other service, sends the authentication information stored in the storage unit to the information processing device without receiving further input of the authentication information.

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