Payment management device, payment management method, and application program
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- PAYPAY CO LTD
- Filing Date
- 2024-08-29
- Publication Date
- 2026-06-24
Smart Images
Figure 00000000_0000_ABST
Abstract
Description
[Technical field]
[0001] The present invention relates to a payment management device, a payment management method, a program, and an application 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] The above-mentioned conventional technology did not take into consideration how to provide functions to a card that has multiple functions, which made it difficult to start using the card in a smooth manner.
[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide a payment management device, a payment management method, a program, and an application program that enable a user to smoothly start using card-based services. [Means for solving the problem]
[0006] One aspect of the present invention is a payment management device that works in cooperation with a payment app running on a terminal device used by a user to provide an electronic payment service to the user, the payment management device comprising: an acquisition unit that acquires card information read from a card that is separate from the terminal device and is given to the user, the card having card information recorded thereon, which is information for the user to use the electronic payment service; a payment processing unit that performs electronic payment by a method specified based on the card information acquired by the acquisition unit, of a first method and a second method; and an information management unit that manages information about the user, wherein when the information management unit determines that a predetermined condition is met for a user who does not have a function for performing electronic payment using the card enabled, the payment management device notifies the payment app that it is possible to apply for use of the function. Effect of the Invention
[0007] According to one aspect of the present invention, it is possible to provide a payment management device, a payment management method, a program, and an application program that enable a user to smoothly start using a card-based service. [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 a process flow when sending an affiliated card 57 (pattern 1). [Figure 12] 13 is a flowchart showing an example of a process flow when sending an affiliated card 57 (pattern 2). [Figure 13] FIG. 13 is a diagram showing an example of a transition of an interface screen for activating a postpaid function. [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 payment management device, a payment management method, a program, and an application program of the present invention will be described. The application program, a payment server, and an affiliated credit card company server work together to provide an electronic payment service. 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 or a payment management device. 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 real space, but may also include a virtual store of electronic commerce. The 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 shopping at the 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, similarly 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 description of the advance payment agent server will be omitted to simplify the explanation. 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 substrate. 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 step of the user inputting 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. Note that the "payment processing unit" in the claims refers to the combination of the payment processing unit 130 of the embodiment and the affiliated credit card company server 200.
[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 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 deferred 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, the account ID of the user (see FIG. 5), and the activation status of the credit function 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 deferred payment is an example of the second method, but this relationship may be reversed. Deferred 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] The activation status of the credit function is the status of whether or not the credit function is attached to the affiliated card 57. The credit function is a function that allows the affiliated card 57 to be used as a credit card. The credit function is attached to the affiliated card 57 of the user when the user applies to use the credit function with the affiliated credit card company and passes the screening by the affiliated credit card company. An affiliated card 57 with the credit function allows for deferred payment in addition to payment on the charge balance, whereas an affiliated card 57 without the credit function allows only payment on the charge balance.
[0037] 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).
[0038] 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.
[0039] 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 other functional units may perform it. The information management unit 140 is an example of a "function addition 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 "postpaid," 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.
[0040] 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.
[0041] [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-app that is embedded in the payment application 20 in advance.
[0042] 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.
[0043] In addition, if the user selected in S41 is not qualified to use a credit card, the application for credit function and the post-payment process based on the credit function are omitted for the user in the subsequent processes. A user who is not qualified to use a credit card is, for example, a minor who has not reached the age to create a credit card. For example, the payment application 20 is configured to operate in an operation mode (suppression mode) in which the application operation for the credit function is not accepted when the user is not qualified to use a credit card. For example, the payment application 20 may display a user interface (such as a button) for accepting an application for the credit function in an inoperable state. The user interface may also be displayed in a manner (such as a grayed-out state) that allows the user to easily recognize that the interface is inoperable. As a result, for a user who is not qualified to use a credit card, S43 to S48, S50, and S51 are skipped, and the application for the credit function and post-payment setting are not performed.
[0044] 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.
[0045] 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 user is not qualified to use a credit card or has not passed the credit screening). As a result, the affiliated card 57 without a credit function is distributed to the users who are not qualified to use a credit card among the users to whom the card is to be sent, and the users can only use the charge balance payment as a payment method with the affiliated card 57.
[0046] 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).
[0047] [Activating credit function after sending] Hereinafter, a process of notifying users who did not apply for credit in S43 of FIG. 11 that the credit function can be activated after sending the affiliated card 57 (activation possible notification) will be described. FIG. 12 is a flowchart showing an example of the process flow of the activation possible notification. The affiliated credit card company server 200, in cooperation with the payment server 100 and the payment application 20, periodically or at a predetermined timing performs a series of processes illustrated in FIG. 12 for each target user. As a result, activation possible notifications are sequentially sent to users who have obtained the qualification to use the credit card, and the credit function is activated in response to the transmission of the activation possible notification. In FIG. 12, the same processes as those in FIG. 11 are denoted by the same reference numerals, and the description thereof will be omitted.
[0048] First, the affiliated credit card company server 200 refers to the card payment setting information 272 to extract users who have not activated the credit function of the affiliated card 57, and judges whether each of the extracted users meets the conditions for applying to use the credit function (S51). Here, the users who have not activated the credit function of the affiliated card 57 include a first user who does not have or has not acquired the qualifications to use a credit card (e.g., a user who is underage), and a second user who has acquired the qualifications to use a credit card and applied for it, but whose credit to use credit payment has not been approved by the affiliated credit card company through screening (i.e., a user who did not pass the screening).
[0049] (In the case of the first user) If the target user is a first user, the condition for applying to use the credit function is that the target user is qualified to use a credit card. For example, if the qualification to use a credit card is given to adults, the affiliated credit card company server 200 determines that the target user meets the application conditions for using the credit function if the target user is an adult, and determines that the user does not meet the application conditions for using the credit function if the target user is a minor.
[0050] (In the case of a second user) If the target user is a second user, the condition for applying to use the credit function is that the target user satisfies the reexamination condition. The reexamination condition is a condition for enabling the user to apply for the credit function again. The reexamination condition may be any condition that is determined based on information that can be grasped about the user. For example, the reexamination condition may be a condition related to the usage history of the electronic payment service. The usage history here is the usage history before the credit function is activated, so it is mainly the history of electronic payment using the charge balance. In addition, in the case of card payment, the payment request is accepted by the affiliated credit card company server 200, so the content of the payment using the charge balance in the card payment can be grasped by the affiliated credit card company server 200. Therefore, in this embodiment, the affiliated credit card company server 200 records and accumulates history information about the payment using the charge balance in the card payment, and can grasp the usage history of the electronic payment service by the target user based on the accumulated history information.
[0051] For example, the reexamination condition may be that the total amount of payments made using the electronic payment service is equal to or greater than a predetermined amount, or that the number of payments made using the electronic payment service is equal to or greater than a predetermined number. In this case, the affiliated credit card company server 200 tallies up the target user's usage record of the electronic payment service and determines whether the reexamination condition is met.
[0052] If it is determined in S51 that the target user meets the application conditions for using the credit function, the affiliated credit card company server 200 sends an activation possible notification to the payment application 20 of the target user (S52: push notification). On the other hand, if it is determined in S51 that the target user does not meet the application conditions for using the credit function, the credit function does not need to be activated for that user, so the subsequent processes are skipped. The activation possible notification may be realized by the affiliated credit card company server 200 saving notification data in its own server. In this case, the payment application 20 may recognize the activation possible notification by acquiring the data from the affiliated credit card company server 200.
[0053] Next, in the user terminal device 10 of the target user, the payment application 20 performs an operation to notify the target user that the activation possible notification has been received (S53), and changes the operation mode related to the application for use of the credit function of the affiliated card 57 from the suppression mode to the acceptance mode (S54). The acceptance mode is an operation mode that accepts the application operation for use of the credit function by the user. For example, the payment application 20 changes the user interface that was controlled to be inoperable in the above-mentioned example of the suppression mode to an operable state, and changes the display mode of the user interface to a mode that makes it easy for the user to recognize that it is operable (for example, a state that is not grayed out).
[0054] Here, when the target user receives the notification of S53, he / she applies to the payment application 20 for use of the credit function of the affiliated card 57. Thereafter, the affiliated credit card company server 200, the payment server 100, and the payment application 20 cooperate to carry out the processes of S44 to S51 described in Fig. 11, and a new affiliated card 57 with a credit function is provided to the target user. The target user can use the affiliated card 57 as a credit card by exchanging the affiliated card 57 that he / she already possesses for the newly issued affiliated card 57.
[0055] In the flowchart of Figure 12, the process of determining whether the target user meets the application conditions for using the credit function and the process of sending an activation possible notification to the target user's payment application 20 are performed by the affiliated credit card company server 200. However, if the activation status of the credit function is linked to the payment server 100, some or all of these processes may be performed by the payment server 100.
[0056] [Activate the post-delivery payment feature] Hereinafter, the process when no credit application is made in S43 of FIG. 11 (or FIG. 12) will be described. In this case, the affiliated card 57 is in a state where it is used mainly for the charge balance. FIG. 13 is a diagram showing an example of the transition of an interface screen for activating the post-payment function. The interface screen shown in FIG. 13 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.
[0057] 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 the 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. Inputting personal information or operating the "Apply" button is an example of a "predetermined operation."
[0058] The affiliated credit card company server 200 performs a credit check (or recheck) 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.
[0059] Icon IC1 on top screen IM1 is activated in synchronization with the delivery of affiliated card 57 (including delivery of new affiliated card 57 with credit function). For example, around the time when affiliated card 57 is mailed 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 makes it possible to transition to another screen by being operated by the user (activates it).
[0060] FIG. 14 is a diagram showing an outline of the process by the settlement management system described above. First, a notice is sent to a user selected by the affiliated credit card company, or to a user who becomes able to apply for the use of the credit function after the delivery of the affiliated card 57 (S60). The affiliated credit card company server 200 judges whether a credit application has been made in response to the notice (S61). Then, the affiliated card 57 (including a new affiliated card 57 with a credit function) is delivered to the user (S62). If it is judged in S61 that a credit application has not been made in response to the notice, 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 has been made after the card has arrived (S64), or if it is judged in S61 that a credit application has been made in response to the notice, the affiliated card 57 is in a state where both the charge balance and deferred payment can be selected (S65).
[0061] According to the embodiment described above, it is possible to smoothly start using the service using the affiliated card 57.
[0062] The payment management system may be realized by a single server device. In this case, the server device has the functions of both the payment server 100 and the affiliated credit card company server 200.
[0063] 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.
[0064] 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 device (or functional unit) that performs electronic payment of the first method 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 "device that exclusively performs card payments."
[0065] 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]
[0066] 10 User terminal device 20. Payment App 50 First store terminal device 55 Credit card processing terminal 57 Affiliated Cards 60 Store Code Image 70 Second store terminal device 72 Merchant Interface 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 170 Storage section 172 User information 174 Payment Content Information 176 Affiliated Stores / Store 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 payment management device that works in cooperation with a payment application running on a terminal device used by a user to provide the user with an electronic payment service using the payment application or card, The aforementioned card is a separate card from the terminal device, provided to the user of the electronic payment service, and stores card information, which is information for the user to use the electronic payment service. An acquisition unit that acquires the card information read from the card, A settlement processing unit that performs electronic payment using a first method of payment using the charge balance and a second method of payment using deferred payment, the method specified based on the card information acquired by the acquisition unit, The Information Management Department manages the information of the aforementioned users, Equipped with, The aforementioned information management unit will notify the payment app of users who have become eligible to apply for the payment function using the second method with respect to electronic payments using the card. The aforementioned payment app is Before the aforementioned notification is received by the aforementioned user, the system operates in a suppression mode that disables the user interface for the application for use, thereby suppressing the application for use. After receiving the aforementioned notification, the system operates in a reception mode that enables the user interface to be operated and accepts the application for use. Payment management device.
2. The information management unit provides the notification to the user's payment application when it determines that a predetermined condition has been met for the user. The aforementioned conditions include, The payment management device according to claim 1.
3. The aforementioned predetermined conditions include, with respect to the use of the electronic payment service, that the user has achieved the predetermined results. The payment management device according to claim 2.
4. The first method described above is a method of making electronic payments by withdrawal from a bank account. The second method described above is a method of making electronic payments on a deferred payment basis. The payment management device according to claim 1.
5. With regard to electronic payment using the aforementioned card, the payment application receives an application for the use of the second method, and further comprises a card update unit that provides the user with a new card in which card information for performing electronic payments using the first and second methods is stored. The payment management device according to claim 1.
6. The payment management device, A payment management method that provides electronic payment services to a user using a payment application or card, in cooperation with a payment application running on a terminal device used by the user, The aforementioned card is a separate card from the terminal device, provided to the user of the electronic payment service, and stores card information, which is information for the user to use the electronic payment service. An acquisition process for obtaining the card information read from the card, A payment process that performs electronic payment using a method specified based on the card information acquired in the acquisition process, among a first method of payment using the charge balance and a second method of payment using deferred payment. Information management processing for managing the user information, A payment management method that performs the following: The aforementioned information management process notifies the payment app of a user who has become eligible to apply for the payment function using the second method with respect to electronic payment using the card. The aforementioned payment app is Before the aforementioned notification is received by the aforementioned user, the system operates in a suppression mode that disables the user interface for the application for use, thereby suppressing the application for use. After receiving the aforementioned notification, the system operates in a reception mode that enables the user interface to be operated and accepts the application for use. Payment management methods.
7. An application program that operates on a terminal device used by a user and functions as a payment app that provides the user with electronic payment services using a payment app or card in cooperation with a payment management device, The aforementioned card is a separate card from the terminal device, provided to the user of the electronic payment service, and stores card information, which is information for the user to use the electronic payment service. The aforementioned terminal device, A process that requests the payment management device to perform electronic payment using one of two methods: a first method of payment using the charge balance, or a second method of payment using deferred payment, the method specified based on the card information read from the card. The process of providing a user interface for accepting applications for the use of the function to perform electronic payments using the second method for the aforementioned card, A program to execute, The payment application receives notification from the payment management device that the user is now eligible to apply for the service. Before the aforementioned notification is received by the aforementioned user, the system operates in a suppression mode that disables the user interface for the application for use, thereby suppressing the application for use. After receiving the aforementioned notification, the system operates in a reception mode that enables the user interface to be operated and accepts the application for use. Application program.