Program for terminal device, information processing device, and method for operating system

Abstract

To improve convenience for a user who uses various payment means.SOLUTION: A program for a terminal device is executed by a control section of the terminal device. The control section outputs information for an interface that prompts a user to use a payment service provided by a business operator, transmits authentication information of the user input in response to the interface to an information processing device that executes processing for the payment service, and transmits the authentication information to the information processing device when receiving an instruction to apply for the use of the other service, which is provided by the business operator and presented on the interface.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present disclosure relates to a terminal device program, an information processing device, and a system operation method. [Background technology]

[0002] Recently, various payment methods, such as payment using credit cards and mobile payment using terminal devices such as smartphones, have become widespread, and technologies to support these payment methods have been proposed. For example, Patent Document 1 discloses a system that supports credit card application screening. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-145071 A Summary of the Invention [Problem to be solved by the invention]

[0004] There is room for improving convenience for users who use various payment methods.

[0005] The present disclosure relates to a program for a terminal device that enables improved convenience for users of various payment methods. [Means for solving the problem]

[0006] The program of the terminal device in the present disclosure is executed by a control unit of the terminal device, which outputs information for an interface that encourages the user to use a payment service provided by the operator, sends the user's authentication information input in accordance with the interface to an information processing device that executes processing for the payment service, and upon receiving an instruction presented in the interface to apply for the use of other services provided by the operator, sends the authentication information to the information processing device.

[0007] The information processing device of the present disclosure has a communication unit and a control unit that communicates via the communication unit, and the control unit receives authentication information of the user input through an interface from a terminal device having an interface that prompts the user to use a payment service provided by a business operator, and executes the payment processing, and receives the authentication information sent from the terminal device in response to an instruction to apply for use of other services provided by the business, which is presented on the interface, and executes processing to permit the user to use the other services.

[0008] The system operation method of the present disclosure is a system operation method having a terminal device and an information processing device that communicate with each other, wherein the terminal device outputs information for an interface that prompts a user to use a payment service provided by a business operator and sends out authentication information of the user that is input according to the interface, the information processing device receives the authentication information of the user and executes processing for the payment service, and when the terminal device accepts an instruction to apply for use of another service provided by the business operator that is presented in the interface, it sends out the authentication information, and the information processing device receives the authentication information and executes processing to allow the user to use the other service. Effect of the Invention

[0009] According to the terminal device program and the like of the present disclosure, it is possible to improve convenience for users who use various payment methods. [Brief description of the drawings]

[0010] [Figure 1] FIG. 1 illustrates an example of a configuration of an information processing system. [Diagram 2] FIG. 11 is a diagram illustrating an example of an operation procedure of the information processing system. [Diagram 3] FIG. 11 is a diagram illustrating an example of an operation procedure of the information processing system. [Figure 4] FIG. 13 illustrates an example of an application interface. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, an embodiment will be described with reference to the drawings.

[0012] 1 is a diagram showing an example of the configuration of an information processing system according to an embodiment. The information processing system 1 includes one or more server devices 10 and one or more terminal devices 12, which are connected to each other via a network 11 so as to be able to communicate information with each other.

[0013] The server device 10 is, for example, a server computer belonging to a cloud computing system or other computing system, and functions as a server implementing various functions. The server device 10 may be configured of two or more server computers connected to each other so as to be capable of communicating information and operating in cooperation with each other. The server device 10 corresponds to the "information processing device" in this embodiment, which executes information processing for services such as settlement provided by a financial business operator (hereinafter simply referred to as the operator).

[0014] The terminal device 12 is a terminal device that has a communication function and is configured to be able to execute various information processing operations and is carried by a user, and is, for example, a smartphone, a smart watch, a wearable terminal, or the like.

[0015] The network 11 is, for example, the Internet, but may also include a mobile communication network, an ad-hoc network, a Local Area Network (LAN), a Metropolitan Area Network (MAN), or other networks, or any combination of these.

[0016] The information processing system 1 supports the user's use of services such as payment provided by the business operator. The payment service includes so-called mobile payment. The mobile payment includes a process in which the terminal device 12 reads information required for payment at a store or the like, or has the store terminal read the information, or a process in which the terminal device 12 transmits and receives information required for payment to and from the store terminal through non-contact short-range wireless communication, and is executed based on the user's authentication information provided from the terminal device 12 to the server device 10. Other services of the payment service include credit card payments using credit cards provided by the business operator, loan borrowing, purchasing goods, and the like. The terminal device 12 has an application program for using the payment service. The terminal device 12 provides the user with an interface for using the payment service by executing the application program. Such an interface (hereinafter referred to as the application interface) includes a screen including an operation menu of the application program, voice guidance, and the like.

[0017] The terminal device 12 outputs information for an application interface that prompts the user to execute a mobile payment service provided by the operator, and accepts and sends out authentication information of the user input according to the application interface. The server device 10 receives the authentication information of the user and executes processing for the mobile payment service. When the terminal device 12 receives an instruction to apply for the use of other services provided by the operator, such as credit payment, loan borrowing, and purchasing of goods, which are presented in the application interface, the terminal device 12 sends out authentication information. The server device 10 receives the authentication information and executes processing for permitting the user to use the other services. When the user inputs authentication information once in the application interface when using the mobile payment service, the user does not need to input authentication information again when applying for the use of the other services, and the terminal device 12 sends the authentication information stored therein to the server device 10, thereby enabling processing for the use of the other services. This eliminates the need for the user to take on the cumbersome task of inputting authentication information multiple times, improving user convenience.

[0018] The configurations of the server device 10 and the terminal device 12 will now be described in detail.

[0019] The server device 10 includes a communication unit 101, a storage unit 102, and a control unit 103. When the server device 10 is configured with two or more server computers, these components are appropriately arranged in the two or more computers.

[0020] The communication unit 101 includes one or more communication interfaces. The communication interface is, for example, a LAN interface. The communication unit 101 receives information used in the operation of the server device 10, and transmits information obtained by the operation of the server device 10. The server device 10 is connected to a network 11 by the communication unit 101, and communicates information with a terminal device 12 via the network 11.

[0021] The storage unit 102 includes, for example, one or more semiconductor memories, one or more magnetic memories, one or more optical memories, or a combination of at least two of them, functioning as a main storage device, an auxiliary storage device, or a cache memory. The semiconductor memory is, for example, a random access memory (RAM) or a read only memory (ROM). The RAM is, for example, a static RAM (SRAM) or a dynamic RAM (DRAM). The ROM is, for example, an electrically erasable programmable ROM (EEPROM). The storage unit 102 stores information used in the operation of the server device 10 and information obtained by the operation of the server device 10.

[0022] The control unit 103 includes one or more processors, one or more dedicated circuits, or a combination of these. The processor is, for example, a general-purpose processor such as a CPU (Central Processing Unit), or a dedicated processor such as a GPU (Graphics Processing Unit) specialized for a specific process. The dedicated circuit is, for example, an FPGA (Field-Programmable Gate Array), an ASIC (Application Specific Integrated Circuit), etc. The control unit 103 executes information processing related to the operation of the server device 10 while controlling each unit of the server device 10.

[0023] The functions of the server device 10 are realized by a processor included in the control unit 103 executing a control program. The control program is a program for causing a computer to function as the server device 10. Also, some or all of the functions of the server device 10 may be realized by a dedicated circuit included in the control unit 103. Also, the control program may be stored in a non-transitory recording / storage medium readable by the server device 10, and read by the server device 10 from the medium.

[0024] The terminal device 12 includes a communication unit 121 , a storage unit 122 , a control unit 123 , a positioning unit 124 , an input unit 125 , and an output unit 126 .

[0025] The communication unit 121 has a communication module compatible with a wired or wireless LAN standard, a module compatible with a mobile communication standard such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation), a short-range wireless communication module, etc. The terminal device 13 is connected to the network 11 via a nearby router device or a mobile communication base station by the communication unit 121, and performs information communication with other devices via the network 11, or performs information communication directly with other devices.

[0026] The memory unit 122 includes one or more semiconductor memories, one or more magnetic memories, one or more optical memories, or a combination of at least two of these. The semiconductor memories are, for example, RAM or ROM. The RAM is, for example, SRAM or DRAM. The ROM is, for example, EEPROM. The memory unit 122 functions as, for example, a main memory device, an auxiliary memory device, or a cache memory. The memory unit 122 stores information used in the operation of the control unit 123 and information obtained by the operation of the control unit 123.

[0027] The control unit 123 has, for example, one or more general-purpose processors such as a CPU, an MPU (Micro Processing Unit), or one or more dedicated processors specialized for a specific process. Alternatively, the control unit 123 may have one or more dedicated circuits such as an FPGA, an ASIC, or the like. The control unit 123 generally controls the operation of the terminal device 13 by operating according to a control / processing program, or operating according to an operating procedure implemented as a circuit. The control unit 123 transmits and receives various information to and from the server device 10, etc. via the communication unit 121, and executes the operation according to this embodiment.

[0028] The positioning unit 124 includes one or more GNSS (Global Navigation Satellite System) receivers. The GNSS includes at least one of, for example, GPS (Global Positioning System), QZSS (Quasi-Zenith Satellite System), BeiDou, GLONASS (Global Navigation Satellite System), and Galileo. The positioning unit 124 acquires location information of the terminal device 12 and transmits it to the control unit 123.

[0029] The input unit 125 includes one or more input interfaces. The input interfaces include, for example, physical keys, capacitive keys, a pointing device, a touch screen integrated with a display, a camera for capturing a captured image or an image code, or an IC card reader. The input interface may include a microphone for receiving voice input. The input unit 125 receives input of information used for the operation of the control unit 123 and sends the input information to the control unit 123.

[0030] The output unit 126 includes one or more output interfaces. The output interface is, for example, a display or a speaker. The display is, for example, an LCD or an organic EL display. The output unit 126 outputs information obtained by the operation of the control unit 123.

[0031] The functions of control unit 123 are realized by a processor included in control unit 123 executing a control program. The control program is a program for causing the processor to function as control unit 123. In addition, some or all of the functions of control unit 123 may be realized by a dedicated circuit included in control unit 123.

[0032] 2 and 3 are sequence diagrams for explaining the operation procedure of the information processing system 1 in this embodiment. FIG. 2 and FIG. 3 show the procedure for the cooperation operation of the server device 10 and the terminal device 12. Steps related to various information processing of the server device 10 and the terminal device 12 in FIG. 2 and FIG. 3 are executed by the respective control units 103 and 123. Furthermore, steps related to the transmission and reception of various information of the server device 10 and the terminal device 12 are executed by the respective control units 103 and 123 transmitting and receiving information to each other via the respective communication units 101 and 121. In the server device 10 and the terminal device 12, the control units 103 and 123 appropriately store the information to be transmitted and received in the respective storage units 102 and 122. Furthermore, in the terminal device 12, the control unit 123 accepts input of various information by the input unit 125 and outputs various information by the output unit 126.

[0033] The procedure in Fig. 2 is executed when a user uses a mobile payment service using the terminal device 12. For example, when the user starts a payment application program in the terminal device 12, the procedure in Fig. 2 is executed.

[0034] In step S20, terminal device 12 performs processing for setting up a payment application in response to input by user operation. Terminal device 12 displays an application interface that prompts the user to input authentication information, for example, a screen for initial setup. The screen for initial setup includes text information that prompts the user to input a user name, password, a financial account to be used for payment, etc. The user inputs the user name, password, financial account information, etc., by, for example, touching a touch panel. The initial setup screen may include information that prompts the user to present an identification card such as a driver's license. For example, terminal device 12 may capture an image of the identification card with a camera, and include the captured image or information extracted from the captured image in the authentication information.

[0035] In step S21, the terminal device 12 sends authentication information to the server device 10. The terminal device 12 may encrypt the authentication information using an arbitrary algorithm. Identification information of the terminal device 12 is added to the authentication information.

[0036] In step S22, the server device 10 sets payment information using the authentication information. The server device 10 stores, for example, the authentication information of the user and the identification information of the terminal device 12 in association with each other.

[0037] Steps S20 to S22 are executed once, allowing the user to use the payment service.

[0038] Steps S23 to S25 are executed each time the user uses the payment service. For example, when the user makes a purchase at a store or the like and starts up a payment application program of terminal device 12 to pay for the purchase, terminal device 12 presents an application interface for the payment service. For example, terminal device 12 starts up main screen 40 shown in FIG. 4. Main screen 40 has an operation icon 41 for selecting mobile payment. When the user taps operation icon 41 to select execution of mobile payment, steps S23 to S25 are executed.

[0039] In step S23, the terminal device 12 performs a process for executing a payment in response to an input by a user's operation. The terminal device 12 displays, for example, a mobile payment screen 43 of FIG. 4. The mobile payment screen 43 has an operation icon 44 that instructs the activation of a camera to read an image code such as a barcode or a QR code (registered trademark). When the user taps the operation icon 44, the terminal device 12 activates the camera, reads, for example, an image code indicating information for identifying a store operator and performing a payment process, and sends the payment information for the payment process to the server device 10. The payment information includes, for example, identification information of the store operator corresponding to the image code, information on the payment amount entered by the user, and the like. In addition, the terminal device 12 causes, for example, the store's terminal device to read an image code 45 indicating the user's identification information displayed on the mobile payment screen 43, so that the payment information including the user's identification information, information on the payment amount, and the like is sent from the store's terminal device to the server device 10. Alternatively, the terminal device 12 may transmit and receive information required for payment with a store terminal by short-distance wireless communication. In addition, the mobile payment screen 43 includes a balance display 46 that shows the current available balance.

[0040] In step S24, the server device 10 acquires the payment information. The server device 10 acquires the payment information sent from the terminal device 12 or the terminal device of the store in response to step S23.

[0041] In step S25, the server device 10 executes a payment process. The server device 10 executes a process for settling the payment amount in the user's financial account based on the payment information. This payment process is executed in cooperation with the server of the financial institution.

[0042] The procedure in Fig. 3 is a procedure when a user selects another service through an application interface of a payment application program of terminal device 12. When a user launches the payment application program, terminal device 12 launches main screen 40 shown in Fig. 4. Main screen 40 has operation icon 41 for selecting mobile payment, as well as operation icon 42 for launching a service menu of another service. When the user taps operation icon 42 to select the service menu, steps S30 to S33 are executed.

[0043] In step S30, the terminal device 12 presents an application interface including a service menu in response to an input by a user's operation. For example, the terminal device 12 accepts the selection of the operation icon 42 and displays the service menu screen 47 of Fig. 4. The service menu screen 47 has, for example, an operation icon 48 for applying for a credit card service provided by the business operator, an operation icon 49 for applying for a loan borrowing service provided by the business operator, and an operation icon 400 for applying for a vehicle trade-in service.

[0044] In step S31, the terminal device 12 accepts a service use application in response to an input by a user operation. The terminal device 12 accepts a selection by a tap operation on the operation icon 48, 49, or 400 by the user.

[0045] In step S32, the terminal device 12 sends the authentication information to the server device 10. The terminal device 12 reads out the authentication information stored in the storage unit 122 in step S20 together with information for identifying the service corresponding to the selected operation icon 48, 49 or 400, and sends the information to the server device 10. The authentication information may be encrypted using an arbitrary algorithm. In addition, the authentication information is provided with identification information of the terminal device 12.

[0046] In step S33, the server device 10 performs a process for permitting the use of the service using the authentication information. For example, the server device 10 uses the user's authentication information to identify the user and his / her financial account, and performs a process for screening for issuing a credit card. The server device 10 also performs a process for loan screening using the user's authentication information. The server device 10 also performs a process for storing identity information when assessing the trade-in of a vehicle using the user's authentication information. These processes are performed in cooperation with other servers that provide credit information, etc.

[0047] According to the procedure described above, when the user uses the mobile payment service, the user only needs to input the authentication information once in the application interface, and the authentication information is stored in terminal device 12, so that when the user applies to use another service, the user does not need to input the authentication information again; instead, terminal device 12 can send the stored authentication information to server device 10 and perform processing for using the other service. This eliminates the need for the user to take the trouble of inputting authentication information multiple times, improving user convenience.

[0048] In the above description, an example has been shown in which the terminal device 12 displays an operation screen as an application interface, but this embodiment also includes a case in which the application interface is presented by outputting text information on the operation screen by voice.

[0049] In addition, in the above-mentioned embodiment, the processing / control program that specifies the operation of the control unit 123 of the terminal device 12 may be stored in a memory unit of the server device 10 or another server device and downloaded to each terminal device 12 via the network 11, or may be stored in a recording / storage medium readable by each terminal device 12 and read from the medium by each terminal device 12.

[0050] In the above, the embodiment has been described based on the drawings and examples, but it should be noted that those skilled in the art can easily make various modifications and corrections based on the present disclosure. Therefore, it should be noted that these modifications and corrections are included in the scope of the present disclosure. For example, the functions included in each means, each step, etc. can be rearranged so as not to be logically inconsistent, and multiple means, steps, etc. can be combined into one or divided into one. [Explanation of symbols]

[0051] 1. Information Processing Systems 10. Server equipment 11 Network 12 Terminal Equipment 101, 121 Communications Department 102, 122 Storage section 103, 123 Control section 124 Positioning unit 125 Input section 126 Output section

Claims

1. When executed by a control unit of the terminal device, the control unit Outputting information for an interface that encourages the user to use the payment service provided by the business; Sending authentication information of the user input through the interface to an information processing device that executes processing for the payment service; when an instruction to apply for use of another service provided by the service provider is received, the instruction being presented on the interface, the authentication information is sent to the information processing device; A terminal device program.

2. In claim 1, The control unit stores the authentication information of the user input for use of the payment service in a storage unit, and when an instruction to apply for use of the other service is received, the control unit transmits the authentication information stored in the storage unit to the information processing device without receiving further input of the authentication information. program.

3. The Communications Department and A control unit that performs communication by the communication unit, The control unit is receiving authentication information of a user inputted through a terminal device having an interface for prompting a user to use a payment service provided by a business operator, the authentication information being inputted through the interface, and executing a process for the payment service; receiving the authentication information sent from the terminal device in response to an instruction presented on the interface to apply for use of another service provided by the service provider, and executing a process for permitting the user to use the other service; Information processing device.

4. A method of operating a system having a terminal device and an information processing device that communicate with each other, comprising: The terminal device outputs information for an interface that prompts the user to use a payment service provided by a business operator, and transmits authentication information of the user that is input in response to the interface; the information processing device receives authentication information of the user and executes a process for the payment service; When the terminal device receives an instruction to apply for use of another service provided by the service provider, the instruction is presented on the interface, the terminal device transmits the authentication information; the information processing device receives the authentication information and executes a process for authorizing the user to use the other service. How it works.

5. In claim 4, The terminal device stores the authentication information of the user input for use of the payment service in a storage unit, and when an instruction to apply for use of the other service is received, the terminal device transmits the authentication information stored in the storage unit to the information processing device without receiving further input of the authentication information. How it works.

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