Information processing device, information processing system, information processing method, and program

Abstract

To enhance user convenience at low cost without building a new information transmission network.SOLUTION: A card payment management device for providing an electronic payment service using a card comprises a payment sorting unit and a card payment processing unit. When the card is used in a store, the payment sorting unit requests a first device to perform electronic payment by a first method In a case where setting information concerning a method of electronic payment using the card and set by operating an application running on a terminal device of a user indicates the first method, and requests electronic payment of the card payment processing unit that performs the electronic payment by a second method in a case where the setting information indicates the second method different from the first method.SELECTED DRAWING: Figure 8

Description

[Technical field]

[0001] The present invention relates to a card payment management device, a payment management system, a card payment management method, and a program. [Background technology]

[0002] A transaction settlement terminal device that handles debit cards, electronic money cards, or a transaction card that combines the functions of both cards has been disclosed (Patent Document 1). This device is equipped with a first input device for inputting the transaction amount to be settled, and a second input device for inputting a designated payment method, and the payment method for card settlement is switched by a store clerk inputting a designated payment method into the second input device. Electronic money data is recorded on the transaction card. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2001-118022 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the above-mentioned conventional technology, it is necessary to construct an information transmission network from the store to each server device corresponding to the payment method.

[0005] The present invention has been made taking these circumstances into consideration, and one of its objectives is to provide a card payment management device, a payment management system, a card payment management method, and a program that can improve user convenience at low cost without having to build a new information transmission network. [Means for solving the problem]

[0006] One aspect of the present invention is a card payment management device for providing an electronic payment service using a card, the card payment management device comprising: a payment distribution unit that, when the card is used at a store, requests a first device to make electronic payment using the first method if the setting information indicates a first method, the setting information being set by operation of an app running on a user's terminal device, and requests electronic payment to a card payment processing unit that performs electronic payment using the second method if the setting information indicates a second method different from the first method; and the card payment processing unit. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a card payment management device, a payment management system, and a card payment management method that can improve user convenience at low cost without building a new information transmission network. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram showing the configuration of an affiliated credit card company server 200. [Figure 8] FIG. 11 is a sequence diagram illustrating a process flow relating to card payment. [Figure 9] FIG. 13 is a diagram showing an example of the contents of card payment setting information 272. [Figure 10]1A and 1B are diagrams showing an example of a top screen IM1 of a payment application 20 and a payment method switching screen IM2. [Figure 11] 13 is a flowchart showing an example of the process flow when sending an affiliated card 57. [Figure 12] FIG. 13 is a diagram showing an example of a transition of an interface screen for activating a postpaid function. [Figure 13] 13A and 13B are diagrams illustrating an example of a transition of an interface screen in which pre-fill information is exchanged. [Figure 14] FIG. 2 is a diagram showing an overview of processing by a payment management system. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of a card payment management device, a payment management system, a card payment management method, and a program of the present invention will be described. An application program, a payment server, and an affiliated credit card company server work together to provide an electronic payment service. The payment server is an example of a "first device," and the affiliated credit card company server is an example of a "card payment management device." In the following description, the application program is referred to as a payment application. In addition, a combination of the payment server and the affiliated credit card company server may be referred to as a payment management system. An electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for a purchase at a virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100 and an affiliated credit card company server 200. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more credit processing terminals 55, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The credit processing terminal 55 is installed in the store, similar to the first store terminal device 50. The credit processing terminal 55 includes, for example, a credit card settlement terminal (credit card reader) and a POS device. The credit card settlement terminal reads a PIN (Personal Identification Number) from an inserted or held credit card (including the affiliated card 57) and compares it with the PIN entered by the user, or transmits a BIN (Bank Identification Number) code, etc., read from the credit card to the affiliated credit card company server 200 via the POS device. The POS device cooperates with the credit card settlement terminal to transmit information such as the settlement amount to the affiliated credit card company server 200. An advance payment agent server (acquirer) may be interposed between the credit processing terminal 55 and the affiliated credit card company server 200. In the following, the advance payment agent server will be omitted for the sake of simplicity. The affiliated card 57 is, for example, of the same type as a commonly used credit card, with a communication chip embedded in the card base material. The communication chip includes a storage medium that stores a PIN, and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the affiliate card 57 may be a magnetic card.

[0014] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0016] The affiliated credit card company server 200 manages affiliated credit card payments, which are part of the electronic payment service. The affiliated credit card company server 200 is operated, for example, by a group company (affiliated credit card company) of the payment server 100. The affiliated credit card company may be a separate entity from the external credit card company that provides the credit card as a funds source for charging the charge balance.

[0017] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0018] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the procedure in which the user inputs the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0019] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0021] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0022] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store / shop information 176.

[0023] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0024] The payment content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0025] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0026] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a post-payment setting, a post-payment limit, a post-payment usage amount, a post-payment available amount, a payment method setting, a bank account, a credit card number, a charge history information, and a payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to the account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed". The deferred payment setting is flag information common to "terminal payment" and "card payment". A user who can use deferred payment of terminal payment is a user who has been given an affiliated card 57. Alternatively, the setting information may be set separately for "terminal payment" and "card payment". The deferred payment limit is the limit of deferred payment that can be used per month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The terminal payment method setting is setting information indicating whether the user will make an electronic payment using the charge balance or a deferred payment in the "terminal payment". The card payment method setting is setting information indicating whether the user will make an electronic payment using the charge balance or a deferred payment in the "card payment". The card payment method setting information is synchronized in real time with the affiliated credit card company server 200. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user transferring money to the electronic payment service in advance to increase the charge balance. The payment history information is information indicating the details of the payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

[0028] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store ID. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0029] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0030] [Terminal payment] The electronic payment (terminal payment) using the user terminal device 10 will be described. When the payment processing unit 130 acquires payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 and acquires the "payment method setting" of the user. The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0031] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is when an affiliated credit card company acts as the creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, it may be required to obtain a credit card from the affiliated credit card company. The amount used for deferred payment is settled in one month's worth on the payment date of the following month, for example by debiting from a bank account. In this case, the payment processing unit 130 transmits payment information to the affiliated credit card company server 200 as necessary and requests payment. The affiliated credit card company server 200 performs processing similar to that of deferred card payment.

[0032] [Credit card payment] The electronic payment service provides not only electronic payment (terminal payment) using the user terminal device 10 as described above, but also electronic payment (card payment) using the affiliated card 57. This will be described below. In card payment, payment by charge balance and payment after delivery can be selected. FIG. 7 is a configuration diagram of the affiliated credit card company server 200. The affiliated credit card company server 200 includes, for example, a credit interface 210, a payment distribution unit 220, a credit payment processing unit 230, an information management unit 240, and a storage unit 270. The credit payment processing unit 230 is an example of a "card payment processing unit". The storage unit 270 stores card payment setting information 272. The components other than the storage unit 270 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as a HDD or flash memory (a storage device with a non-transient storage medium), or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0033] The function of each part of the affiliated credit card company server 200 will be described with reference to Fig. 8. Fig. 8 is a sequence diagram for explaining the flow of processing related to card payment. Note that the processing shown in the figure is conceptual, and in reality, information may be transmitted in multiple parts.

[0034] First, the credit processing terminal 55 reads information from the affiliated card 57 and transmits information such as the PAN (Primary Account Number) and payment amount to the credit interface 210 (S20). The credit interface determines whether the BIN code included in the PAN in the received information is a code for its own company (S21), and if it is a code for its own company, transfers the information such as the PAN to the payment distribution unit 220 (S22). If the code is not for its own company, the affiliated credit card company server 200 discards the received information.

[0035] The payment allocation unit 220 searches the card payment setting information 272 using the transferred information, and determines whether the card payment method setting of the user is a method of making electronic payment based on the charge balance or a method of making electronic payment by post-payment (S23). FIG. 9 is a diagram showing an example of the contents of the card payment setting information 272. As shown in the figure, the card payment setting information 272 is information in which information unique to the user (e.g., PAN), the card payment method setting, and the account ID of the user (see FIG. 5) are associated with each other. In the following explanation, the method of making electronic payment based on the charge balance is an example of the first method, and the method of making electronic payment by post-payment is an example of the second method, but this relationship may be reversed. Post-payment means that the payment amount is not immediately deducted from the charge balance, but is deducted from the bank account, etc. associated with the affiliated card 57 at a predetermined time such as the closing date.

[0036] If the card payment method setting for the user is "charge balance", the payment distribution unit 220 sends payment information including the account ID corresponding to the PAN and the payment amount to the payment server 100 (S24). The payment processing unit 130 of the payment server 100 receiving this confirms that the charge balance corresponding to the account ID is equal to or greater than the payment amount, and replies to the payment distribution unit 220 that the payment is OK (S25). The payment distribution unit 220 informs the credit interface 210 that the payment is OK (S26), and the credit interface 210 informs the credit processing terminal 55 that the payment is complete (S27).

[0037] On the other hand, if the card payment method setting for the user is set to "deferred payment," the payment allocation unit 220 notifies the credit interface 210 of a request for authentication (S28). The credit interface 210 performs existing credit authentication (S29). Here, the PAN and expiration date are confirmed, and it is confirmed whether the cumulative payment amount exceeds the upper limit for the current month. If the credit authentication confirms that the payment is OK, the credit interface 210 notifies the credit processing terminal 55 that the payment is complete (S30), and information such as the payment amount is transmitted to the credit payment processing unit 230 (S31). The credit payment processing unit 230 performs processing such as adding the acquired payment amount to the cumulative payment amount for the user.

[0038] Here, the first method and the second method are switched in response to the user's operation on the payment application 20. FIG. 10 is a diagram showing an example of a top screen IM1 of the payment application 20 and a payment method switching screen IM2. As shown in the left diagram of FIG. 10, for example, the top screen IM1 of the payment application 20 includes an area A1 including code images such as barcodes and QR codes (registered trademarks) used in smartphone payment, an area A2 in which icons for instructing main operations in smartphone payment such as charging and scanning are set, and an area A3 in which various icons for instructing various service settings in electronic payment services are set. An icon IC1 for receiving an instruction to switch the payment method in card payment is set in the area A3. When the user operates the icon IC1, the screen transitions to a payment method switching screen IM2 shown in the right diagram of FIG. 10. The payment method switching screen IM2 includes, for example, a notation "credit card payment" and a software switch SS that can be operated to either ON or OFF. By operating the software switch SS to either ON or OFF by the user, the payment method in card payment can be set to either a method of performing electronic payment by charge balance or a method of performing electronic payment by deferred payment. When the state of the software switch SS is switched, the payment server 100 linked with the payment application 20 notifies the affiliated credit card company server 200 of the state after the switch. For example, the information management unit 140 mainly performs this process, but it may be performed by another functional unit. When the software switch SS is switched from an off state to an on state, the payment server 100 instructs the affiliated credit card company server 200 to change the card payment method setting to "Postpay", and when the software switch SS is switched from an on state to an off state, the payment server 100 instructs the affiliated credit card company server 200 to change the card payment method setting to "Charge balance". At this time, the information management unit 140 also changes the card payment method setting in the user information 172. In the above, the payment method is selectively set from one of two methods on the payment method switching screen IM2, but the payment method may be selected from three or more methods.For example, one payment method may be selected from "charge balance," "debit card," or "deferred payment," which will be described later. In this case, one of "charge balance," "debit card," or "deferred payment" may be treated as a third method that does not fall under either the first method or the second method, or the first method or the second method may include multiple methods.

[0039] In this way, the affiliated credit card company server 200 acts as an interface to allocate the payment method for card payments, making it possible to realize two payment methods using the existing credit card information transmission network. This makes it possible to improve user convenience at low cost without building a new information transmission network.

[0040] [Sending affiliated cards] Hereinafter, the process from the time of sending the affiliated card 57 to the user to the activation of the post-payment function will be described. FIG. 11 is a flowchart showing an example of the process flow when sending the affiliated card 57. In the following description, the process in the affiliated credit card company server 200 is mainly performed in the information management unit 240. First, the affiliated credit card company server 200 acquires necessary information from the user information 172 from the payment server 100 and selects a user to whom the affiliated card 57 is to be sent (S40). For example, the affiliated credit card company server 200 narrows down users whose addresses are registered in the user information 172 based on conditions such as a payment frequency obtained by referring to a payment history being equal to or higher than a predetermined frequency, a certain degree of identity verification being performed, and the like, and selects a user to whom the affiliated card 57 is to be sent. Part of the process may be performed manually. Next, the affiliated credit card company server 200 instructs the payment application 20 used by the selected user to notify that the affiliated card 57 will be sent (S41). Such an instruction may be given via the payment server 100, or may be given by activating a mini-appli that is embedded in the payment application 20 in advance.

[0041] The payment application 20 notifies the user that the affiliated card 57 will be sent (S42). Then, the payment application 20 accepts the setting of the PIN for the affiliated card 57 and the application for credit (S43). Both the setting of the PIN and the application for credit can be skipped by the user. The payment application 20 transmits the information to the affiliated credit card company server 200.

[0042] The affiliated credit card company server 200 determines whether or not a PIN was set by the user in S43 (S44). If a PIN was set by the user, the affiliated credit card company server 200 performs a process for writing the PIN set by the user to the affiliated card 57 (S45), and if a PIN was not set by the user (skipped), the affiliated credit card company server 200 performs a process for automatically generating a PIN using random numbers or the like and writing the automatically generated PIN to the affiliated card 57 (S46). Here, the "process for writing" may be outputting an electronic instruction to a writing device that writes information to a storage medium of the affiliated card 57, or may be conveying the PIN to an operator operating the writing device.

[0043] The affiliated credit card company server 200 determines whether or not the user applied for credit in S43 (S47). If the user applied for credit, the affiliated credit card company server 200 notifies the settlement server 100 to set the deferred payment setting to "completed" (S48). The affiliated credit card company server 200 performs processing to send the affiliated card 57 to the user by mail or the like (S49), whether or not the user applied for credit (including the case where the credit examination was not passed).

[0044] Upon receiving the notification in S48, the payment server 100 changes the deferred payment setting in the user information 172 to "Completed" and sends information indicating that the credit application has been completed to the payment application 20 (S50). At this time, the payment server 100 also changes the card payment method setting in the user information 172. In response to this, the payment application 20 enables the transition from the icon IC1 to the payment method switching screen IM2 (S51).

[0045] [Activate the post-delivery payment feature] Hereinafter, the process when the credit application is not made in S43 of FIG. 11 will be described. In this case, the affiliated card 57 is in a state where it is used mainly for the charge balance. FIG. 12 is a diagram showing an example of the transition of the interface screen for activating the post-payment function. The interface screen shown in FIG. 12 is, for example, a screen displayed by a mini-app provided by the payment application 20. The mini-app is a function that displays a screen and accepts input in cooperation with another server (affiliated credit card company server 200) rather than a server (payment server 100) that the payment application 20 directly cooperates with. For example, the payment application 20 or the payment server 100 can use the API (Application Programming Interface) provided by the affiliated credit card company server 200 to use the relevant function. Alternatively, the payment server 100 may provide the following functions in direct cooperation with the payment application 20 by acquiring necessary information in advance from the affiliated credit card company server 200.

[0046] When icon IC1 is operated on the user terminal device 10 of a user who has not activated the deferred payment function for card payment, the payment application 20 displays a credit application acceptance screen IM3. The credit application acceptance screen IM3 accepts input of personal information such as the user's gender, purpose of use, and company information. The payment application 20 transmits the input information to the affiliated credit card company server 200. Note that if sufficient personal information of the user has already been obtained, personal information may be input simply by performing a predetermined operation such as operating an "Apply" button.

[0047] The affiliated credit card company server 200 performs a credit check by referring to the information entered in the credit application reception screen IM3 and the history of use of electronic payment services up to that point. When the check is completed, the affiliated credit card company server 200 transmits the check result to the payment application 20, and the payment application 20 displays the check result notification screen IM4. If the check result is "credit approved", the deferred payment function is activated. When the deferred payment function is activated, it becomes possible to transition from the icon IC1 to the payment method switching screen IM2 as described above. In addition, the credit information display screen IM5 is displayed as a transition destination when the icon IC1 on the top screen IM1 is operated. On the credit information display screen IM5, information such as the user's PIN, PAN, and available credit for this month, which are obtained by inquiring the affiliated credit card company server 200, is displayed. The affiliated credit card company server 200 provides this information to the payment application 20, causing the payment application 20 to display the credit information display screen IM5.

[0048] Icon IC1 on top screen IM1 is activated in synchronization with the delivery of affiliated card 57. For example, around the time when affiliated card 57 is delivered by mail from affiliated credit card company server 200, flag information is sent from affiliated credit card company server 200 to payment application 20 via payment server 100. Upon receiving the flag information, payment application 20 displays icon IC1 on top screen IM1, which was previously displayed in a light color, more clearly, and activates it so that it can transition to another screen when operated by the user.

[0049] In the credit application reception screen IM3, the personal information of the user held by the payment server 100 is provided to the affiliated credit card company server 200 as prefill information with the consent of the user, and the user may not need to input the prefill information. FIG. 13 is a diagram showing an example of the transition of the interface screen where the prefill information is transferred. After the necessary input is made in the credit application reception screen IM3 shown in FIG. 12, the screen transitions to a prefill information provision consent screen IM6. In the prefill information provision consent screen IM6, an operation is accepted to consent to providing each item of the personal information of the user held by the payment server 100 to the affiliated credit card company server 200. When the button B1 is operated in the prefill information provision consent screen IM6, the screen transitions to a usage application details reception screen IM7. In the usage application details reception screen IM7, personal information is displayed in advance in the areas A11 and A13 by the prefill information, and the user can complete the credit application by inputting only the input items shown in the area A12.

[0050] FIG. 14 is a diagram showing an overview of the processing by the payment management system described above. First, a notification is sent to the user selected by the affiliated credit card company (S60). The affiliated credit card company server 200 determines whether or not a credit application has been made in response to the notification (S61). The affiliated card 57 is then delivered to the user (S62). If it is determined in S61 that a credit application has not been made in response to the notification, the affiliated card 57 is in a state where only the charge balance can be selected as a payment method (S63). If a credit application is made after the card arrives (S64), or if it is determined in S61 that a credit application has been made in response to the notification, the affiliated card 57 is in a state where both the charge balance and deferred payment can be selected (S65).

[0051] According to the embodiment described above, it is possible to improve user convenience at low cost without constructing a new information transmission network.

[0052] In the above embodiment, the method of making electronic payment based on the charge balance is an example of the first method, and the method of making electronic payment by deferred payment is an example of the second method, or vice versa, but the present invention is not limited to this. The method of making electronic payment by debiting from a bank account is an example of the first method, and the method of making electronic payment by deferred payment is an example of the second method, or vice versa. The method of making electronic payment by debiting from a bank account is, for example, a method called a debit card, in which the bank account is debited immediately when electronic payment is made. In addition, either or both of the first method and the second method may include multiple methods. For example, the first method may include a method of making electronic payment based on the charge balance and a method of making electronic payment by debiting from a bank account, and the user may be able to unconditionally select any of these methods.

[0053] In the above embodiment, the payment server 100 that cooperates with the payment application 20 to perform electronic payment at a physical store is given as an example of the first device, but if the first method is a method of performing electronic payment by debiting from a bank account or a method of performing electronic payment by post-payment, the "first device" may be a device that exclusively performs card payments. For example, a bank server or the like corresponds to this. Even in this case, the card payment setting information 272 is switched by an application program that cooperates with the affiliated credit card company server 200 or the "first device that exclusively performs card payments."

[0054] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0055] 10 User terminal device 20. Payment App 100 Payment Server 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 170 Storage section 172 User information 200 Affiliated credit card company server 210 Credit Interface 220 Payment Distribution Department 230 Credit card payment processing unit 240 Information Management Department 270 Storage section 272 Card payment setting information

Claims

1. A process to display an interface screen on the display unit of a user terminal device for setting the payment method to be used when a physical card is used in a store, The process involves obtaining setting information, which is information about the payment method set on the interface screen, from the user terminal device. When the card processing terminal obtains payment information, including information read from the card, from the processing terminal, the process of providing the setting information to a card payment management device that requests the device to perform electronic payment according to the payment method of the setting information, by transmitting at least a portion of the payment information to a device corresponding to the payment method of the setting information, the process of providing the setting information to the device, An information processing device that performs the following actions.

2. The aforementioned payment method is at least two of the following: a method of making an electronic payment using a charged balance, a method of making an electronic payment by deferred payment, and a method of making an electronic payment by direct debit from a bank account. The information processing apparatus according to claim 1.

3. If, based on user operations on the interface screen, the payment method set in the configuration information is changed from the first method to the second method, then, upon obtaining information from the user terminal device indicating that the payment method has been changed to the second method, Information indicating that the payment method has been changed to the second method is provided to the card payment management device, and the card payment management device is instructed to switch the payment method from the first method to the second method. The information processing apparatus according to claim 2.

4. An information processing device according to any one of claims 1 to 3, The device comprises a payment application that operates on the user terminal device, The payment application displays the interface screen on the display unit. The information processing device provides the setting information corresponding to the user's operation on the interface screen. Information processing system.

5. An information processing device according to any one of claims 1 to 3, Equipped with a card payment management device, The aforementioned card payment management device is The aforementioned setting information is stored in the storage unit. When the card is used in a store, and the processing terminal for the card obtains payment information, including the information read from the card, By transmitting at least a portion of the payment information to a device corresponding to the payment method of the aforementioned configuration information, the device is requested to perform electronic payment according to the payment method of the aforementioned configuration information. Information processing system.

6. The aforementioned card payment management device is If the configuration information indicates a first method, the system requests the user to make an electronic payment using the first method by transmitting at least a portion of the payment information to a first device that can perform an electronic payment at the store. If the aforementioned setting information indicates a second method different from the first method, the system requests electronic payment using the second method by transmitting at least a portion of the payment information to the card payment processing unit that performs electronic payment using the second method. The information processing system according to claim 5.

7. Computers A process to display an interface screen on the display unit of a user terminal device for setting the payment method to be used when a physical card is used in a store, The process involves obtaining setting information, which is information about the payment method set on the interface screen, from the user terminal device. When the card processing terminal obtains payment information, including information read from the card, from the processing terminal, the process of providing the setting information to a card payment management device that requests the device to perform electronic payment according to the payment method of the setting information, by transmitting at least a portion of the payment information to a device corresponding to the payment method of the setting information, the process of providing the setting information to the device, An information processing method that performs the following.

8. On the computer, A process to display an interface screen on the display unit of a user terminal device for setting the payment method to be used when a physical card is used in a store, The process involves obtaining setting information, which is information about the payment method set on the interface screen, from the user terminal device. When the card processing terminal obtains payment information, including information read from the card, from the processing terminal, the process of providing the setting information to a card payment management device that requests the device to perform electronic payment according to the payment method of the setting information, by transmitting at least a portion of the payment information to a device corresponding to the payment method of the setting information, the process of providing the setting information to the device, A program that executes the command.

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