Information processing apparatus, information processing method, and information processing program

Abstract

To associate accounts for settlement through simple and accurate age verification.SOLUTION: An information processing apparatus includes a receiving unit, a determination unit, and an association unit. The receiving unit receives a request for account association to enable a settlement using a predetermined account which is different from an account for a predetermined EC site, in the predetermined EC site, the settlement being conducted through a user terminal. The determination unit determines whether the predetermined EC site requests age verification, the EC site having made the request for account association, and determines, when the request for account verification is determined, whether the age of a user whose account is to be associated satisfies a predetermined condition. The association unit associates, when the determination unit determines that the age of the user satisfies the predetermined condition, the predetermined account with the account for the predetermined EC site for account association.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] When there are age restrictions for purchasing things such as lottery tickets or cigarettes, age verification is carried out by checking a driver's license, etc.

[0003] Conventionally, there is known a technique for performing age verification before making a payment. For example, when an age verification product is included in products to be purchased, a technique is known in which an age verification screen is displayed to verify the age of the customer. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] International Publication No. 2021 / 079765 Summary of the Invention [Problem to be solved by the invention]

[0005] However, conventional techniques have not been able to easily and accurately verify age and link accounts for payment.

[0006] The present application has been made in consideration of the above, and aims to easily and accurately perform age verification and link accounts for payment. [Means for solving the problem]

[0007] The information processing device of the present application is characterized in that it has a reception unit that accepts a request for account linking to enable payment to be made using a user terminal on a specified EC (Electronic Commerce) site via a specified account that is different from an account on the specified EC site, a judgment unit that determines whether the specified EC site that requested the account linking requests whether age authentication is required, and if it determines that age authentication is required, determines whether the age of a user who is the target of the account linking satisfies specified conditions, and a linking unit that performs the account linking by linking the specified account with an account on the specified EC site if the judgment unit determines that the age of the user satisfies the specified conditions. Effect of the Invention

[0008] According to one aspect of the embodiment, it is possible to easily and accurately perform age verification and link accounts for payment. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of the configuration of the information processing server according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a user information storage unit according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of the identifier information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of a payment information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of the age authentication request information storage unit according to the embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of the configuration of the EC server according to the embodiment. [Figure 9] FIG. 9 is a diagram illustrating an example of a user information storage unit according to the embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of a product information storage unit according to the embodiment. [Figure 11] FIG. 11 is a diagram illustrating an example of the configuration of a user terminal according to the embodiment. [Figure 12] FIG. 12 is a flowchart illustrating an example of a procedure of information processing according to the embodiment. [Figure 13] FIG. 13 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing server. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments. In addition, the same parts in the following embodiments are given the same reference numerals, and duplicated explanations are omitted.

[0011] 1. Embodiment The information processing realized by the information processing device etc. of the present embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of the information processing according to the embodiment. Note that in Fig. 1, the information processing etc. according to the embodiment is realized by an information processing server 10 which is an example of the information processing device according to the present embodiment.

[0012] [1-1. Configuration of information processing system] Prior to the description of FIG. 1, the configuration of the information processing system 1 will be described with reference to FIG. 2. FIG. 2 is a diagram showing an example of the configuration of the information processing system according to the embodiment. As shown in FIG. 2, the information processing system 1 according to the embodiment includes an information processing server 10, an EC server 50, and a user terminal 100. The information processing server 10, the EC server 50, and the user terminal 100 are connected to each other via a network N in a wired or wireless manner so as to be able to communicate with each other. The network N is, for example, a Wide Area Network (WAN) such as the Internet. Note that the information processing system 1 shown in FIG. 2 may include a plurality of information processing servers 10, a plurality of EC servers 50, and a plurality of user terminals 100.

[0013] The information processing server 10 shown in Fig. 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like that provides a predetermined application that enables payment via a predetermined account by being installed on the user terminal 100. Hereinafter, the predetermined account provided for each user via the predetermined application will be referred to as the "predetermined account" as appropriate. For example, the information processing server 10 performs account linking between an account on a predetermined electronic commerce (EC) site and the predetermined account in order to enable payment via the predetermined account on the predetermined EC site.

[0014] 2 is an information processing device that executes information processing according to the embodiment, and is realized by a server device that provides a specific EC site, a cloud system, etc. For example, the EC server 50 requests account linkage between an account of a specific EC site and a specific account in order to make a payment via a specific account installed in the user terminal 100.

[0015] The user terminal 100 shown in FIG. 2 is an information processing device used by a user who wishes to use a specific account for payment at a specific EC site. The user is a target of account linking according to the embodiment. For example, the user terminal 100 displays information for making a request for account linking to the EC server 50 using a web browser or an application. When the user selects information displayed on the user terminal 100, the EC server 50 makes a request for account linking to the information processing server 10. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The example shown in FIG. 2 illustrates a case where the user terminal 100 is a desktop PC.

[0016] When the user terminal 100 receives control information for implementing a predetermined information processing from the information processing server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). A predetermined application provided by the information processing server 10 may itself be regarded as the control information.

[0017] [1-2. Payment using user terminals] Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the information processing executed by the information processing server 10. In the following description, an example will be described in which a user U makes a payment using the user terminal 100 using a two-dimensional code (QR code (registered trademark)) placed in store A and indicating store identification information C that identifies store A, but the embodiment is not limited to this. The example of payment described below can also be applied to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. In addition, the store identification information C may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

[0018] For example, when user U makes a payment for using or purchasing a payment object (transaction object) such as various goods or services at store A, user U launches a payment app pre-installed on user terminal 100. User U then photographs store identification information C installed in store A via the payment app. In such a case, user terminal 100 displays a screen for inputting the price of the payment object and accepts input of the payment amount from user U or a clerk at store A. User terminal 100 then transmits to information processing server 10 the user identification information identifying user U, store identification information C (or information indicated by store identification information C, i.e., information indicating store A (e.g., store ID)), and payment information indicating the payment amount.

[0019] In such a case, the information processing server 10 transfers electronic money in the amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A indicated by the store identification information C. Then, the information processing server 10 transmits a notification that the payment has been completed to the user terminal 100. In such a case, the user terminal 100 notifies the user that payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0020] It should be noted that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information on a screen to identify user U. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100, and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying store A to the information processing server 10. In such a case, the information processing server 10 transfers electronic money in an amount indicated by the payment amount from the account of user U indicated by the user identification information to the account of store A, and may notify the store terminal of store A or the user terminal 100 of the completion of the payment by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0021] Furthermore, the payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user U has previously charged electronic money to the account of the store A, but may also be, for example, a payment using a credit card registered by the user U in advance. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to the account of the store A and bill the management company of the user U's credit card for the payment amount. The payment using the user terminal 100 is not limited to the above-mentioned payment via a two-dimensional code representing the store identification information (store identification information C) or a payment method via a screen display representing the user identification information. Instead of via a two-dimensional code, a configuration may be used in which information such as user information and a payment amount is linked from the user terminal 100 to the affiliated store server via the web and payment information is sent to the information processing server 10, or a configuration may be used in which affiliated store information and a payment amount are obtained from the affiliated store server and payment information is sent from the user terminal 100 to the information processing server 10 to realize the payment. For example, the payment may be made by an affiliated store server that acquires user information of a payment service user (e.g., user U) through user collaboration or the like, and transmitting the payment amount and payment store information to the information processing server 10, or by a user terminal 100 acquiring the payment amount and store identification information C from the affiliated store server via the web and transmitting it to the information processing server 10.

[0022] 1-3. Overview of the embodiment In the following explanation, the payment is not made at a brick-and-mortar store but online. Also, the process is performed by referring to a database D1 that links EC sites that can link accounts with a specific account, information indicating whether age authentication is required, and, if age authentication is required, the requested age (or age conditions for age authentication).

[0023] In order to use user U1's account of a specific application installed on user terminal 100 for payment on EC site F1, user U1 operates specific information (information for causing the EC server 50 to request account linking) on ​​a specific UI screen displayed at the time of payment on EC site F1.The EC server 50 then sends information for account linking to the information processing server 10 (step S101).

[0024] When the information processing server 10 acquires the information for account linking transmitted from the EC server 50, it accepts the request for account linking (step S102). Then, the information processing server 10 refers to the database D1 to determine whether the EC site F1 that has requested the account linking has requested age authentication (step S103). Note that the database D1 may be a database stored in a storage unit (a storage unit 30 described below) of the information processing server 10, or may be a database stored in a storage unit of an external information processing device or the like.

[0025] When the information processing server 10 determines that the EC site F1 requests age authentication, it refers to a database D1 in which the age (or age condition) required for each EC site is linked, and acquires information on the age (or age condition) required by the EC site F1 for age authentication. Then, the information processing server 10 determines whether the age of the user U1, who is the target of account linkage, satisfies the age (or age condition) required by the EC site F1 for age authentication (step S104). At this time, the information processing server 10 may acquire information on the age of the user U1 by referring to a database D2 in which the age confirmed by eKYC (electronic Know Your Customer) is linked for each user, and specify the age of the user U1 at the time of the account linkage request. In addition, eKYC is, for example, identity verification using information (e.g., an image, etc.) included in a My Number card or a driver's license. In addition, when the information processing server 10 determines that the EC site F1 does not request age authentication, it performs account linkage described below without referring to the database D1. That is, the information processing server 10 performs the account linking described below without performing a process of determining whether or not the age of the user U1 satisfies the age required for age authentication by the EC site F1.

[0026] When the information processing server 10 determines that the age of the user U1 satisfies the age required by the EC site F1 for age authentication, the information processing server 10 performs account linking by linking the account of the user U1 of the specified application with the account of the user U1 of the specified EC site (step S105). At this time, the information processing server 10 may notify that the age of the user U1 satisfies the age required by the EC site F1 for age authentication. On the other hand, when the information processing server 10 determines that the age of the user U1 does not meet the age required by the EC site F1 for age authentication, the information processing server 10 does not perform account linking by linking the account of the user U1 of the specified application with the account of the user U1 of the specified EC site. At this time, the information processing server 10 may notify that the age of the user U1 does not meet the age required by the EC site F1 for age authentication.

[0027] Here, the details of information processing regarding account linkage will be described. When the information processing server 10 determines that the age of the user U1 satisfies the age required for age authentication by the EC site F1, it generates a unique identifier corresponding to the combination of the EC site F1 and the user U1. In this way, the information processing server 10 generates a unique identifier for each combination of an EC site and a user. Then, the information processing server 10 associates the generated identifier with the account of the user U1 of a specific application and stores it, and transmits information regarding the identifier to the EC server 50. In addition, when the EC server 50 receives information regarding the identifier transmitted from the information processing server 10, it associates the received identifier with the account of the user U1 of the EC site F1 and stores it. In this way, the information processing server 10 and the EC server 50 perform account linkage between the account of the user U1 of the specific application and the account of the user U1 of the EC site F1.

[0028] When the accounts are linked, the information processing server 10 uses the account of user U1 of the specified application for payment on the EC site F1. That is, the information processing server 10 makes payment via the account of user U1 of the specified application on the EC site F1. On the other hand, when the accounts are not linked, the information processing server 10 does not use the account of user U1 of the specified application for payment on the EC site F1. That is, the information processing server 10 does not make payment via the account of user U1 of the specified application on the EC site F1.

[0029] Here, the details of information processing regarding the payment processing after account linkage will be described. When the user U1 uses the account of the user U1 of a specific application for payment on the EC site F1, the EC server 50 transmits a payment notice including the identifier of the user U1 (an identifier stored in association with the account of the user U1 of the EC site F1) to the information processing server 10. When the information processing server 10 receives the payment notice transmitted from the EC server 50, the information processing server 10 identifies the account associated with the identifier contained in the payment notice and performs payment via the account of the user U1 of the specific application. In addition, the EC server 50 transmits a payment notice including the payment amount together with the identifier to the information processing server 10. In addition, the information processing server 10 performs payment of the payment amount contained in the payment notice. In this way, once the accounts are linked, when the user U1 tries to use the account of the user U1 of the specific application again for payment on the EC site F1, the EC server 50 transmits a payment notice without transmitting information for account linkage to the information processing server 10, and the information processing server 10 can perform payment for the user U1. However, the information processing server 10 may of course request the EC server 50 to transmit information for account linkage every time a payment request is made. In this case, the information processing server 10 may determine whether or not to link accounts every time a payment request is made.

[0030] (Information Processing Variation 1) When the information processing server 10 accepts the request for account linking in step S102, it may issue a login request to the user U1. For example, if the user U1 has not logged in to his / her own account of the specified application, the information processing server 10 may notify the user U1 to log in to his / her own account of the specified application. Note that, if the user U1 has already logged in to his / her own account of the specified application when the information processing server 10 accepts the request for account linking, the information processing server 10 may not issue a login request to the user U1. Then, if the user U1 has logged in to his / her own account of the specified application (or has logged in to his / her own account of the specified application), the information processing server 10 may acquire information regarding the age of the user U1 by referring to the database D2, since it is possible to identify the account of the user U1.

[0031] (Information Processing Variation 2) In the above embodiment, the information processing server 10 determines whether or not age authentication is required for each EC site, but whether or not age authentication is required may be linked to each product (or each product type), and the information processing server 10 may determine whether or not a product (or product type) that requires age authentication is included in the payment information. In step S103, the information processing server 10 may determine whether or not a product (or product type) that requires age authentication is included in the payment information of user U1, and if it is determined that a product (or product type) that requires age authentication is included, it may perform account linking by determining whether or not the age of user U1 satisfies a predetermined condition. Furthermore, if it is determined that a product (or product type) that requires age authentication is not included, the information processing server 10 may perform account linking without performing a determination process of whether or not the age of user U1 satisfies a predetermined condition.

[0032] (Information Processing Variation 3) In the above embodiment, the payment notification may include information identifying the EC site to which the payment is to be made. When the payment notification includes information identifying the EC site to which the payment is to be made, the information processing server 10 may identify the store to which the payment is to be made (e.g., a site or a business operator) based on the information to make the payment. The method for identifying the store to which the payment is to be made is not particularly limited to this example. For example, the EC site may be linked to the issued user identifier, and the information processing server 10 may identify the store to which the payment is to be made from such a user identifier to make the payment. Also, for example, when the payment notification includes information identifying the EC site to which the payment is to be made and the EC site is linked to the user identifier, the payment may be made by identifying the store to which the payment is to be made based on either information. In such a case, the information processing server 10 may use, at the time of payment, identification information of the same system as the identification information of the EC site used when storing information such as an authentication request. In addition, if the payment notification contains information identifying the EC site to be paid and the EC site is linked to the user's identifier, the information processing server 10 can appropriately return a payment error even if a payment request using the user identifier is made by a third party who has fraudulently obtained the user identifier, by checking whether the EC site information contained in the payment request is consistent with the EC site information extracted from the identifier.

[0033] (Information Processing Variation 4) In the above embodiment, the information processing server 10 determines whether or not to perform age authentication based on information linked to the identifier of the EC site or the identifier of the product, but the present invention is not limited to these examples. For example, the information on account linkage from the EC site may include information indicating whether or not age authentication is requested, information indicating age conditions, information indicating whether or not age authentication is requested for each product, and the information processing server 10 may determine whether or not to perform age authentication based on the information. For example, if the information on account linkage from the EC site includes information indicating the presence of a request for age authentication, the information processing server 10 may determine to perform age authentication, and based on the information indicating the age conditions, may determine whether or not the user's age meets a predetermined condition, and may perform payment if it is determined that the user's age meets the predetermined condition. At this time, for example, if the information processing server 10 determines that the user's age does not meet the predetermined condition, it may notify a payment error without performing payment. On the other hand, for example, if the information on account linkage from the EC site includes information indicating that age authentication is not requested, the information processing server 10 may perform payment without performing age authentication. Also, for example, when the account link information from the EC site includes information indicating that age authentication is required for each product, the information processing server 10 may perform payment based on whether or not the product requiring age authentication is included in the payment target of the user. For example, when the product requiring age authentication is included in the payment target of the user, the information processing server 10 may determine to perform age authentication, determine whether or not the user's age satisfies a predetermined condition based on the information indicating the age condition, and perform payment when it is determined that the user's age satisfies the predetermined condition.

[0034] [2. Configuration of the information processing server] Next, the configuration of the information processing server 10 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the information processing server 10 according to the embodiment. As shown in Fig. 3, the information processing server 10 has a communication unit 20, a storage unit 30, and a control unit 40. Note that the information processing server 10 may have an input unit (e.g., a keyboard, a mouse, etc.) that receives various operations from an administrator of the information processing server 10, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

[0035] (Communication Department 20) The communication unit 20 is realized by, for example, a network interface card (NIC) etc. The communication unit 20 is connected to a network N by wire or wirelessly, and transmits and receives information to and from the EC server 50 etc. via the network N.

[0036] (Storage unit 30) The storage unit 30 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in Fig. 3, the storage unit 30 has a user information storage unit 31, an identifier information storage unit 32, a payment information storage unit 33, and an age authentication request information storage unit 34.

[0037] The user information storage unit 31 stores user information (e.g., information on attributes such as age and gender). An example of information stored in the user information storage unit 31 will now be described with reference to FIG. 4. FIG. 4 is a diagram showing an example of the user information storage unit 31 according to an embodiment. In the example of FIG. 4, the user information storage unit 31 has items such as "user ID" and "user information."

[0038] "User ID" refers to identification information for identifying a user. For example, "User ID" refers to identification information for identifying a user's account for a specific application. "User information" refers to user information. For example, "User information" refers to user information of a user whose identity has been verified through eKYC or the like.

[0039] The identifier information storage unit 32 stores information regarding a unique identifier generated for each pair of an EC site and a user. An example of information stored in the identifier information storage unit 32 will now be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the identifier information storage unit 32 according to an embodiment. In the example of Fig. 5, the identifier information storage unit 32 has items such as "user ID", "EC site ID", and "identifier information".

[0040] "User ID" indicates identification information for identifying a user. "EC site ID" indicates identification information for identifying an EC site. The EC site ID stored in "EC site ID" may be identifier information for identifying a service provider providing services for the EC site. The EC site ID may be the same as the identification information included in the payment information that identifies the store subject to payment (for example, an affiliated store of the payment service). "Identifier information" indicates identifier information.

[0041] The payment information storage unit 33 stores payment information (e.g., information related to the payment amount) using a specific account of a user. An example of information stored in the payment information storage unit 33 will now be described with reference to FIG. 6. FIG. 6 is a diagram showing an example of the payment information storage unit 33 according to an embodiment. In the example of FIG. 6, the payment information storage unit 33 has items such as "user ID" and "payment information."

[0042] "User ID" indicates identification information for identifying a user. "Payment information" indicates payment information. For example, "payment information" indicates payment information via a user's account for a specific application. "Payment information" may also include identification information for an EC site or information for identifying a service provider that provides the EC site, and information for identifying the target business (e.g., a store) at the time of payment.

[0043] The age authentication request information storage unit 34 stores information regarding requests for age authentication of the EC site. An example of information stored in the age authentication request information storage unit 34 will now be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of the age authentication request information storage unit 34 according to an embodiment. In the example of FIG. 7, the age authentication request information storage unit 34 has items such as "EC site ID," "whether authentication is requested," and "authentication request information."

[0044] "EC site ID" indicates identification information for identifying the EC site. "Authentication required or not" indicates whether the EC site requires age authentication. "Authentication request information" indicates information related to the age, etc., required by the EC site for age authentication.

[0045] (Control unit 40) The control unit 40 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing server 10 using a RAM as a working area. The control unit 40 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 3, the control unit 40 according to the embodiment has an acquisition unit 41, a reception unit 42, a determination unit 43, a linking unit 44, and a settlement unit 45, and realizes or executes the functions and actions of information processing described below.

[0046] (Acquisition part 41) The acquisition unit 41 acquires various information from an external information processing device. For example, the acquisition unit 41 acquires various information from another information processing device such as the EC server 50. The acquisition unit 41 also acquires various information from the storage unit 30. The acquisition unit 41 also stores the acquired various information in the storage unit 30.

[0047] The acquisition unit 41 acquires information for account linking transmitted from the EC server 50. The acquisition unit 41 also acquires information related to the age (or age condition) required by a specific EC site for age authentication. For example, the acquisition unit 41 acquires information related to the age required by a specific EC site for age authentication by referring to a database in which the age (or age condition) required for each EC site is linked. The acquisition unit 41 also acquires information related to the age of a user who is the target of account linking. For example, the acquisition unit 41 acquires information related to the age of a user who is the target of account linking by referring to a database in which the age confirmed by eKYC for each user is linked.

[0048] (Reception Department 42) The reception unit 42 receives a request for account linking based on the information for account linking acquired by the acquisition unit 41. In this manner, the reception unit 42 receives a request for account linking from the EC server 50 by the acquisition unit 41 acquiring the information for account linking transmitted from the EC server 50.

[0049] (Judgment unit 43) The determination unit 43 determines whether or not a specific EC site that is a target of account linkage accepted by the reception unit 42 requests age authentication. If the determination unit 43 determines that age authentication is requested, the determination unit 43 determines whether or not the age of the user that is a target of account linkage accepted by the reception unit 42 satisfies a specific condition. For example, if the determination unit 43 determines that age authentication is requested, the determination unit 43 determines whether or not the age of the user satisfies a specific condition based on user information acquired by making a login request to a specific account. Also, for example, the determination unit 43 determines whether or not the age of the user satisfies a specific condition based on a database (for example, database D1) in which the age requested for each EC site is linked. Also, for example, the determination unit 43 determines whether or not the age of the user satisfies a specific condition based on a database (for example, database D2) in which the age confirmed by eKYC is linked for each user. Note that, if the determination unit 43 determines that the specific EC site does not request age authentication, the linking unit 44 described below performs account linkage without determining whether or not the age of the user satisfies the specific condition.

[0050] (Collaboration Department 44) When the determination unit 43 determines that the age of the user who is the target of account linkage satisfies a predetermined condition, the linking unit 44 performs account linkage by linking the account of the user of the predetermined EC site that is the target of account linkage with the account of the user of the predetermined application that is the target of account linkage. At this time, the linking unit 44 generates a unique identifier for each combination of the EC site and the user to perform account linkage. For example, the linking unit 44 performs account linkage by linking the generated identifier with the account of the user of the predetermined application and transmitting information about the generated identifier to the EC server 50. In addition, the linking unit 44 also performs account linkage when the determination unit 43 determines that the predetermined EC site that is the target of account linkage does not request age authentication.

[0051] When the determination unit 43 determines that the age of the user who is the target of account linkage satisfies the predetermined condition, the linking unit 44 notifies that the user's age satisfies the predetermined condition, and when the determination unit 43 determines that the age of the user who is the target of account linkage does not satisfy the predetermined condition, the linking unit 44 notifies that the user's age does not satisfy the predetermined condition. In this way, when the accounts are linked, the linking unit 44 notifies that the account linkage was successful, and when the accounts are not linked, the linking unit 44 notifies that the account linkage was not successful.

[0052] (Payment Department 45) When the accounts are linked by the linking unit 44, the settlement unit 45 makes a settlement via the account of the user of the account-linked specific application. When the accounts are not linked by the linking unit 44, the settlement unit 45 does not make a settlement via the account of the user of the account-not-linked specific application.

[0053] [3. EC Server Configuration] Next, the configuration of the EC server 50 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a diagram showing an example of the configuration of the EC server 50 according to the embodiment. As shown in Fig. 8, the EC server 50 has a communication unit 60, a storage unit 70, and a control unit 80. Note that the EC server 50 may also have an input unit (e.g., a keyboard, a mouse, etc.) that receives various operations from an administrator of the EC server 50, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

[0054] (Communication unit 60) The communication unit 60 is realized by, for example, a NIC etc. The communication unit 60 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the information processing server 10 etc. via the network N.

[0055] (Storage unit 70) The storage unit 70 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 8, the storage unit 70 has a user information storage unit 71 and a product information storage unit 72.

[0056] The user information storage unit 71 stores user information. The user information storage unit 71 also stores information related to the identifier received from the information processing server 10. For example, when the EC server 50 receives information related to the identifier of a specific user from the information processing server 10, the user information storage unit 71 also stores information related to the identifier of the specific user. Here, an example of information stored in the user information storage unit 71 will be described with reference to FIG. 9. FIG. 9 is a diagram showing an example of the user information storage unit 71 according to the embodiment. In the example of FIG. 9, the user information storage unit 71 has items such as "user ID", "user information", and "identifier information".

[0057] "User ID" refers to identification information for identifying a user. For example, "user ID" refers to the account ID of a user on a specific EC site. "User information" refers to user information. "Identifier information" refers to identifier information.

[0058] The product information storage unit 72 stores product information of products sold on a specific EC site (i.e., products that users can purchase on a specific EC site). Here, an example of information stored in the product information storage unit 72 will be described with reference to FIG. 10. FIG. 10 is a diagram showing an example of the product information storage unit 72 according to an embodiment. In the example of FIG. 10, the product information storage unit 72 has items such as "product ID" and "product information".

[0059] "Product ID" indicates identification information for identifying a product. "Product information" indicates product information (for example, information about the type of product, etc.).

[0060] (Control unit 80) The control unit 80 is a controller, and is realized, for example, by a CPU, an MPU, or the like, executing various programs stored in a storage device inside the EC server 50 using a RAM as a working area. The control unit 80 is also realized, for example, by an integrated circuit such as an ASIC or an FPGA. As shown in Fig. 8, the control unit 80 according to the embodiment has an acquisition unit 81, a receiving unit 82, and a transmitting unit 83, and realizes or executes the functions and actions of information processing described below.

[0061] (Acquisition part 81) The acquiring unit 81 acquires various pieces of information from the storage unit 70. In addition, the acquiring unit 81 stores the acquired various pieces of information in the storage unit 70.

[0062] (Receiving unit 82) The receiving unit 82 receives various information from an external information processing device. For example, the receiving unit 82 receives various information from another information processing device such as the information processing server 10. For example, the receiving unit 82 receives from the user terminal 100 operation information of a user with respect to specific information on a specific UI screen displayed at the time of payment on a specific EC site. Also, for example, the receiving unit 82 receives information related to an identifier transmitted from the information processing server 10. In this way, the receiving unit 82 receives a result of the account linking request from the information processing server 10.

[0063] (Transmitter 83) The transmission unit 83 transmits various information to an external information processing device. For example, the transmission unit 83 transmits various information to another information processing device such as the information processing server 10. For example, the transmission unit 83 transmits information for account linking to the information processing server 10 based on the user's operation information received by the reception unit 82. For example, the transmission unit 83 transmits information for account linking to the information processing server 10 in response to reception of the user's operation information. In this manner, the transmission unit 83 requests the information processing server 10 to link the accounts.

[0064] [4. User terminal configuration] Next, the configuration of the user terminal 100 according to the embodiment will be described with reference to Fig. 11. Fig. 11 is a diagram showing an example of the configuration of the user terminal 100 according to the embodiment. As shown in Fig. 11, the user terminal 100 has a communication unit 110, an input unit 120, an output unit 130, and a control unit 140.

[0065] (Communication unit 110) The communication unit 110 is realized by, for example, a NIC etc. The communication unit 110 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from the information processing server 10 etc. via the predetermined network N.

[0066] (Input unit 120) The input unit 120 accepts various operations from a user. For example, the input unit 120 may accept various operations from a user via a display surface using a touch panel function. The input unit 120 may also accept various operations from buttons provided on the user terminal 100, or a keyboard or mouse connected to the user terminal 100.

[0067] (Output unit 130) The output unit 130 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display, an organic EL display, etc., and is a display device for displaying various information. For example, the output unit 130 displays information acquired from the information processing server 10.

[0068] (Control unit 140) The control unit 140 is, for example, a controller, and is realized by a CPU, an MPU, or the like executing various programs stored in a storage device inside the user terminal 100 using a RAM as a working area. For example, the various programs include application programs installed in the user terminal 100. For example, the various programs include application programs that display information acquired from the information processing server 10. The control unit 140 is also realized by an integrated circuit, for example, an ASIC, an FPGA, or the like.

[0069] As shown in FIG. 11, the control unit 140 has a receiving unit 141 and a transmitting unit 142, and realizes or executes the information processing operations described below.

[0070] (Receiving unit 141) The receiving unit 141 receives various information from an external information processing device. For example, the receiving unit 141 receives various information from another information processing device such as the information processing server 10. For example, the receiving unit 141 receives a notification that the age of the user satisfies a predetermined condition (i.e., the access federation has been successful). Also, for example, the receiving unit 141 receives a notification that the age of the user does not satisfy a predetermined condition (i.e., the access federation has not been successful).

[0071] (Transmitter 142) The transmission unit 142 transmits various information to an external information processing device. For example, the transmission unit 142 transmits various information to another information processing device such as the information processing server 10. For example, the transmission unit 142 transmits to the EC server 50 operation information of a user on predetermined information on a predetermined UI screen displayed at the time of payment on a predetermined EC site.

[0072] [5. Information processing flow] The procedure of information processing of the information processing server 10 according to the embodiment will be described with reference to Fig. 12. Fig. 12 is a flowchart showing an example of the procedure of information processing according to the embodiment.

[0073] As shown in FIG. 12, the information processing server 10 receives a request for account linkage based on information for account linkage (step S201).

[0074] The information processing server 10 determines whether or not the specific EC site that has requested the account linkage has requested age authentication (step S202).

[0075] When the information processing server 10 determines that the predetermined EC site requires age authentication (step S202; YES), it determines whether the age of the user who is the target of account linkage satisfies a predetermined condition (step S203). On the other hand, when the information processing server 10 determines that the predetermined EC site does not require age authentication (step S202; NO), it performs account linkage (step S204).

[0076] When the information processing server 10 determines that the user's age satisfies a predetermined condition (step S203; YES), it performs account linkage (step S204). On the other hand, when the information processing server 10 determines that the user's age does not satisfy a predetermined condition (step S203; NO), it ends the information processing without account linkage.

[0077] 6. Effects As described above, the information processing server 10 according to the embodiment includes the reception unit 42, the determination unit 43, and the linking unit 44. The reception unit 42 receives a request for account linking to enable a payment to be made using the user terminal 100 at a specific EC site via a specific account different from the account of the specific EC site. The determination unit 43 determines whether or not the specific EC site that is the source of the account linking request requests age authentication, and if it determines that age authentication is requested, determines whether or not the age of the user who is the target of the account linking satisfies a specific condition. If the determination unit 43 determines that the age of the user satisfies the specific condition, the linking unit 44 performs account linking by linking the specific account with the account of the specific EC site.

[0078] This allows the information processing server 10 according to the embodiment to easily and accurately perform age verification and link accounts for payment.

[0079] In addition, when the judgment unit 43 judges that the user's age satisfies the specified condition, the linking unit 44 notifies the user that the user's age satisfies the specified condition and performs account linking, and when the judgment unit 43 judges that the user's age does not satisfy the specified condition, the linking unit 44 notifies the user that the user's age does not satisfy the specified condition and does not perform account linking.

[0080] This allows the information processing server 10 according to the embodiment to appropriately notify the user of whether or not the account linkage has been successful.

[0081] In addition, when the judgment unit 43 judges that the user's age satisfies a predetermined condition, the linking unit 44 generates a unique identifier for each pair of a predetermined EC site and the user, links the identifier with a predetermined account, and transmits information about the identifier to a server device of the predetermined EC site, thereby performing account linking.

[0082] This allows the information processing server 10 according to the embodiment to appropriately link accounts.

[0083] In addition, the information processing server 10 according to the embodiment further includes a payment unit 45 that, when receiving a payment notification including an identifier, identifies a specific account linked to the identifier and performs payment via the specific account.

[0084] This allows the information processing server 10 according to the embodiment to enable settlement based on account linkage.

[0085] In addition, if the judgment unit 43 determines that age authentication is requested, it judges whether the user's age satisfies a predetermined condition based on user information obtained by requesting the user to log in to a predetermined account.

[0086] This allows the information processing server 10 according to the embodiment to appropriately acquire information for account linking.

[0087] Furthermore, the determination unit 43 determines whether or not the user satisfies a predetermined condition based on a database in which information related to age requested for each EC site is linked.

[0088] This allows the information processing server 10 according to the embodiment to appropriately acquire information on age required for age authentication for each EC site.

[0089] In addition, the determination unit 43 determines whether or not the user satisfies a predetermined condition based on a database in which the age confirmed by eKYC is linked to each user.

[0090] This allows the information processing server 10 according to the embodiment to appropriately acquire information relating to age for each user.

[0091] In addition, the determination unit 43 determines whether or not a specific EC site requires age authentication based on a database in which the presence or absence of a request for age authentication is linked to each EC site.

[0092] This allows the information processing server 10 according to the embodiment to appropriately acquire information regarding the presence or absence of a request for age authentication for each EC site.

[0093] The identification information of the specific EC site is used to identify the payment target when making an electronic payment.

[0094] As a result, the information processing server 10 according to the embodiment can specify the payment target using the identification information of a specific EC site, and therefore can perform electronic payment appropriately.

[0095] [7. Hardware Configuration] Moreover, the information processing server 10 according to each of the above-described embodiments is realized, for example, by a computer 1000 configured as shown in Fig. 13. The information processing server 13 will be described below as an example. Fig. 13 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing server 10. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, a HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0096] The CPU 1100 operates and controls each unit based on a program stored in the ROM 1200 or the HDD 1400. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, programs that depend on the hardware of the computer 1000, and the like.

[0097] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a communication network 500 (corresponding to the network N in the embodiment) and sends the data to the CPU 1100, and also transmits data generated by the CPU 1100 to other devices via the communication network 500.

[0098] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs data generated via the input / output interface 1600 to the output devices.

[0099] The media interface 1700 reads a program or data stored in the recording medium 1800, and provides it to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0100] For example, when the computer 1000 functions as the information processing server 10, the CPU 1100 of the computer 1000 executes a program loaded onto the RAM 1300 to realize the function of the control unit 40. In addition, the HDD 1400 stores each piece of data in the storage device of the information processing server 10. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be obtained from another device via a predetermined communication network.

[0101] [8. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the aspects described in the Disclosure of the Invention section.

[0102] Further, the information processing server 10 described above can be flexibly modified in configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing to realize some functions.

[0103] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, an acquisition unit may be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0104] 10. Information Processing Server 20 Communications Department 30 Storage section 31 User information storage unit 32 Identifier information storage unit 33 Payment information storage unit 34 Age authentication request information storage unit 40 Control section 41 Acquisition Department 42 Reception 43 Judgment section 44 Collaboration Department 45 Payment Department 50 EC Server 60 Communications Department 70 Memory section 71 User information storage unit 72 Product information storage section 80 Control section 81 Acquisition Department 82 Receiving section 83 Transmitter 100 User terminals 110 Communications Department 120 Input section 130 Output section 140 Control section 141 Receiving unit 142 Transmitter

Claims

1. A reception department that receives requests for account linking to enable payments made using a user terminal via a designated e-commerce (EC) site using a designated account different from the account used on that EC site, and A determination unit determines whether the account linkage information includes information indicating whether or not age verification is required, and if it determines that information indicating whether or not age verification is required is included, it determines whether or not the age of the user who is the target of the account linkage meets predetermined conditions. If the determination unit determines that the user's age meets the predetermined conditions, the linking unit performs the account linking by linking the predetermined account with the predetermined e-commerce site account, An information processing device characterized by having the following features.

2. The aforementioned linkage unit is, If the determination unit determines that the user's age meets the predetermined conditions, it will notify the user that their age meets the predetermined conditions and perform the account linking. If the determination unit determines that the user's age does not meet the predetermined conditions, it will notify the user that their age does not meet the predetermined conditions and will not perform the account linking. The information processing apparatus according to feature 1.

3. The aforementioned linkage unit is, If the determination unit determines that the user's age meets the predetermined conditions, it generates a unique identifier for each combination of the predetermined e-commerce site and the user, links the identifier to the predetermined account, and transmits information about the identifier to the server device of the predetermined e-commerce site to perform the account linking. The information processing apparatus according to feature 1.

4. When a payment notification containing the aforementioned identifier is received, the payment unit identifies the predetermined account associated with the aforementioned identifier and performs the payment via the predetermined account. The information processing apparatus according to claim 3, further comprising the above.

5. The determination unit, If it is determined that age verification is required, the system will determine whether the user's age meets the specified conditions based on the user information obtained by requesting the user to log in to the specified account. The information processing apparatus according to feature 1.

6. The determination unit, Based on a database linked to age-related information required by each e-commerce site, it is determined whether the user meets the predetermined conditions. The information processing apparatus according to feature 1.

7. The determination unit, Based on a database linked to each user's age, verified by eKYC (electronic Know Your Customer), it is determined whether the user meets the predetermined conditions. The information processing apparatus according to feature 1.

8. The determination unit, Based on a database that links whether or not each e-commerce site requires age verification, it is determined whether or not the specified e-commerce site requires age verification. The information processing apparatus according to feature 1.

9. The identification information of the aforementioned designated e-commerce site is identification information used to identify the payment recipient when making an electronic payment. The information processing apparatus according to feature 1.

10. The determination unit is Based on the information indicating age requirements included in the account linking information, it is determined whether the user's age meets the predetermined conditions. The information processing apparatus according to feature 1.

11. The determination unit is The system determines whether the information linked to the account includes information indicating whether age verification is required for each product, and if it determines that information indicating whether age verification is required for each product is included, it determines whether the user's age meets the predetermined conditions if the product requiring age verification is included in the user's payment. The information processing apparatus according to feature 1.

12. A payment method performed by a computer, A process for receiving requests for account linking to enable payments made using a user terminal via a designated e-commerce (EC) site through a designated account different from the account on the designated EC site, and The process involves determining whether the account linkage information includes information indicating whether or not age verification is required, and if it is determined that information indicating whether or not age verification is required is included, determining whether or not the age of the user who is the target of the account linkage meets predetermined conditions. If the determination step determines that the user's age meets the predetermined conditions, the linking step is performed to link the predetermined account with the predetermined e-commerce site account, An information processing method characterized by including

13. A process for receiving requests for account linking to enable payments made using a user terminal via a designated e-commerce (EC) site through a designated account different from the account on the designated EC site, and The process involves determining whether the account linkage information includes information indicating whether or not age verification is required, and if it is determined that information indicating whether or not age verification is required is included, determining whether or not the age of the user who is the target of the account linkage meets predetermined conditions. If the determination step determines that the user's age meets the predetermined conditions, the linking step is performed to link the predetermined account with the predetermined e-commerce site account, An information processing program characterized by causing a computer to execute it.

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