Information processing device, information processing method and program

Abstract

To provide an information processing device providing services to users even when a terminal device exists in a prescribed area (e.g. overseas).SOLUTION: An information processing device includes: an acquisition part for acquiring a request for provision of a first service from a settlement application used in an electronic settlement service; and an information processing part, when it is determined that the request is transmitted from a first region, providing the first service to the settlement application, when it is determined that the request is transmitted from a second region different from the first region and the user of the settlement application is not a resident of the first region, not providing the first service to the settlement application, and when it is determined that the request is transmitted from the second area and the user of the settlement application is the resident of the first area, providing the first service to the settlement application.SELECTED DRAWING: Figure 4

Description

[Technical field]

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

[0002] In recent years, electronic payment services using terminal devices have come into use. Furthermore, within the electronic payment services, various highly convenient services different from the electronic payment services are provided, and users can use the desired services within the electronic payment services (for example, see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-157339 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the conventional technology, when a terminal device is located in a certain area, it may not be possible to use the above-mentioned electronic payment services and services available in the electronic payment services.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that can provide services to a user even if the terminal device is located in a specific area (e.g., overseas). [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device comprising: an acquisition unit that acquires a request for provision of a first service from a payment app used in an electronic payment service; and an information processing unit that, when it is determined that the request is sent from a first region, provides the first service to the payment app, when it is determined that the request is sent from a second region different from the first region and the user of the payment app is not a resident of the first region, does not provide the first service to the payment app, and when it is determined that the request is sent from the second region and the user of the payment app is a resident of the first region, provides the first service to the payment app. Effect of the Invention

[0007] According to one aspect of the present invention, even if a terminal device is located in a specific area (e.g., overseas), a service can be provided to the user. For example, by providing the service to a user located overseas, the convenience of the user can be improved. [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] 4 is a sequence diagram showing an example of the flow of processes executed by payment application 20 and payment server 100. FIG. [Figure 8]13 is a flowchart showing an example of the flow of a determination process executed by the payment server 100. [Figure 9] FIG. 2 is a diagram showing an example of a first interface screen IM1. [Figure 10] FIG. 13 is a diagram showing an example of the contents of determination information 188. [Figure 11] FIG. 13 is a diagram showing an example of the contents of determination information 188A. [Figure 12] FIG. 13 is a diagram showing an example of the contents of determination information 188B. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an embodiment of a control method for an information processing device of the present invention will be described with reference to the drawings. Various devices for providing services to users and performing internal analysis, such as a "server" and an "information providing device" that will appear below, may be realized by a group of distributed devices, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the provider of the cloud server) and the business operator that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] First Embodiment [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 by a payment system 1 centered around a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70, which are included in the payment system 1, 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 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.

[0014] 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.

[0015] 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.

[0016] 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.

[0017] 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).

[0018] 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, issuing 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.

[0019] [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 content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, 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 (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a 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. These functional configurations may be distributed among multiple devices.

[0020] 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, affiliated store / shop information 176, and determination information 188.

[0021] 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.

[0022] The 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 content providing unit 120 appropriately reads out 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.

[0023] 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.

[0024] 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, charge history information, payment history information, and stamp card 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.

[0025] 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 limit is the limit of deferred payment that can be used each 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. The payment method setting is setting information indicating whether the user will make electronic payment using the charge balance or by deferred payment at that time. The bank account and credit card number are information (account number, card number) of a bank account or credit card number that can be deposited into the electronic payment service, respectively. The charge history information is a history of the user's remittances to the electronic payment service to increase the charge balance. The payment history information is information showing the details of the payments 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.

[0026] 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, a store ID, and store stamp card information 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 name. 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.

[0027] 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, edits, deletes, etc. for the user information 172 and affiliated store / store information 176. The information management unit 140 is an example of an "acquisition unit that acquires a request for provision of a first service from a payment app used in an electronic payment service."

[0028] For example, when the information processing unit 150 determines that the request is sent from a first region, it provides the first service to the payment app 20; when the information processing unit 150 determines that the request is sent from a second region different from the first region and the user of the payment app 20 is not a resident of the first region, it does not provide the first service to the payment app 20; and when the information processing unit 150 determines that the request is sent from the second region and the user of the payment app 20 is a resident of the first region, it provides the first service to the payment app 20 (details will be described later).

[0029] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment 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.

[0030] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a 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, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0031] [About launching payment apps overseas] Generally, when attempting to launch a payment app overseas, an error occurs and the payment app itself cannot be launched, and services available through the payment app cannot be used. This is a measure to prevent fraud such as money laundering. However, not being able to use services through the payment app can be inconvenient for users. Therefore, in this embodiment, services can be provided to users who meet the following conditions, as follows.

[0032] [overview] When the payment server 100 determines that a request for provision of a first service from a payment app 20 used in an electronic payment service has been sent from a first region, it provides the first service to the payment app 20; when the payment server 100 determines that the request has been sent from a second region different from the first region and that the user of the payment app 20 is not a resident of the first region, it does not provide the first service to the payment app 20; when the payment server 100 determines that the request has been sent from the second region and that the user of the payment app 20 is a resident of the first region, it provides the first service to the payment app 20.

[0033] The first region is, for example, the country where the electronic payment service provider is based (for example, Japan, Japan). The second region is, for example, a country different from the country of the first region.

[0034] The first services are, for example, overseas travel insurance services (services that provide content for overseas travel insurance services), securities services (services that provide content for securities services), payment services using a payment app, services related to users' bank accounts (services that provide content related to users' bank accounts), and services related to the use and management of points.

[0035] For example, a user can operate the payment app 20 while traveling abroad to extend the insurance period of overseas travel insurance, or make inquiries or claims regarding the insurance. For example, a user can operate the payment app 20 while traveling abroad to access hospitals and treatment information that can be handled by overseas travel insurance, or extend the overseas travel insurance subscription locally. In this way, a user can check the status of insurance subscription and perform various procedures related to insurance even overseas. For example, a user can use securities services such as buying and selling stocks overseas by operating the payment app 20 while traveling abroad. This can mitigate the impact of opportunity loss in asset management. For example, a user can use the payment app 20 while traveling abroad to convert yen deposits into local currency and check the balance. For example, when a deposit is withdrawn from a bank account linked to the payment app 20 from a device such as a specified local ATM, the user can use the payment app 20 to check the information of the bank account in which the withdrawal result is reflected. In this way, a user can check the balance, usage history, and deposit balance even overseas. In addition, the user can operate payment application 20 overseas to manage points or receive various services using points, thereby mitigating the impact of loss of opportunities to manage or use points.

[0036] For example, a user can operate the payment app 20 overseas to make a payment using the payment app 20 at a shopping site. For example, when the payment server 100 determines that a request is sent from a second region and that the user of the payment app 20 is a resident of a first region, the payment server 100 may restrict the use of the payment using the payment app 20, which is the first service, more than when it is determined that the request is sent from the first region, and execute the payment using the payment app 20, which is the first service, in response to the user's operation. The restriction may be a restriction on the amount of use, a restriction on the number of times of use, or a restriction on the mode of use (e.g., payment method, available affiliated stores).

[0037] As described above, until now, it has been impossible to do the following things overseas, or opportunities have been lost; however, this embodiment makes these things possible, improving convenience for users. Unable to check balance or usage history Unable to check deposit balance or transaction history · Unable to meet sudden transfer needs Unable to confirm insurance details - You cannot access information about hospitals and treatments that are covered by overseas insurance After purchasing overseas insurance, you cannot extend it locally. Loss of opportunity for asset management Lost opportunities for point management

[0038] [Sequence] 7 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. When a user performs an operation to start the payment application 20, the payment application 20 transmits a user ID (information for identifying a user such as a user URL, an account ID, or a user ID) and specific information for identifying the location of the user terminal device 10 to the payment server 100 (S50, S52). Next, the payment server 100 determines whether or not the first service can be provided based on the information transmitted in S52 (S54).

[0039] Next, the payment server 100 transmits control information according to the determination result to the payment application 20 (S56). Next, the payment application 20 displays an interface screen based on the control information transmitted in S56 on the display unit of the user terminal device 10 (S58). For example, the payment application 20 generates content to be provided based on the control information and content provided by the payment server 100, and displays the generated content on the display unit. As a result, content according to the above determination result (for example, content when the first service is provided, content when the first service is not provided) is provided to the user. Note that content generation may be performed in the payment server 100.

[0040] As described above, the payment server 100 determines whether or not the service can be provided, and the payment application 20 provides the user with an interface screen according to the result of the determination.

[0041] [flowchart] FIG. 8 is a flowchart showing an example of the flow of the determination process executed by the payment server 100. First, when the user performs an operation to start the payment application 20, the information processing unit 150 of the payment server 100 acquires the user ID and the specific information (S100). Next, the determination unit 160 of the payment server 100 determines whether or not the access is from within Japan based on the specific information (S102). For example, when the specific information is the IP address of a communication device with which the user terminal device 10 communicates, the determination unit 160 determines whether or not the IP address transmitted from the user terminal device 10 is an IP address that belongs to the country by referring to information in which the IP address is associated with the country to which it belongs. The determination unit 160 may transmit the IP address to another device that provides a service for identifying the country in which the user terminal device 10 exists from the IP address, and may acquire information on the country to which the IP address belongs. The determination unit 160 may identify the country, position, or region in which the user terminal device 10 exists using other known methods, not limited to the above method. For example, the country in which the user terminal device 10 exists may be identified based on the location information of the user terminal device 10.

[0042] In the case of access from within Japan, the content providing unit 120 of the payment server 100 provides the first interface screen to the user terminal device 10 (S104). FIG. 9 is a diagram showing an example of the first interface screen IM1. The first interface screen IM1 is a top screen displayed on the display unit after the payment application 20 is started. The first interface screen IM1 displays a code image CD. The code image CD includes, for example, a barcode and a QR code. The first interface screen IM1 displays text (in the figure, "Pay from balance") indicating whether electronic payment is to be made using the charge balance or by deferred payment. This text is drawn by the payment application 20 each time a changeover switch (not shown) is operated. The first interface screen IM1 includes one or more buttons. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with a touch panel.

[0043] The button is, for example, a button for starting use of a service (first service or second service) available in the electronic payment service. The button includes, for example, a start button for starting the mini app 30. The mini app 30 is, for example, an app that uses the payment app 20 as a platform. The mini app 30 is, for example, an application program developed by a service provider that provides the service of the service server 200 to run within the payment app 20. The service provider develops the mini app 30 by referring to an SDK (Software Development Kit), which is a program and technical documentation for app development provided by an administrator of the payment app 20. The mini app 30 is, for example, an app that runs while the payment app 20 is running. For example, a part or all of the mini app 30 may be installed when the payment app 20 is installed, or a part or all of the mini app 30 may be installed from a service server corresponding to the mini app 30.

[0044] Button B1 is a button for starting up the insurance mini app, and when button B1 is operated, the insurance mini app accesses an insurance server (service server 200) corresponding to the insurance mini app. The insurance mini app and the insurance server work together to display insurance-related content on the display unit of the user terminal device 10 and provide content according to user operations, thereby providing insurance-related services.

[0045] Button B2 is a button for activating an asset management mini-app, and when button B2 is operated, the asset management mini-app accesses an asset management server (service server 200) corresponding to the asset management mini-app. The asset management mini-app and the asset management server cooperate to provide a service related to asset management by displaying content related to asset management on the display unit of user terminal device 10 and providing content according to user operations.

[0046] Button B3 is a button for starting up a bank mini app, and when button B3 is operated, the bank mini app accesses a bank server (service server 200) corresponding to the bank mini app. The bank mini app and the bank server cooperate to provide bank-related services by displaying contents related to bank services on the display unit of the user terminal device 10 and providing contents according to user operations.

[0047] Button B4 is a button for starting a mini-app for point management, and when button B4 is operated, the mini-app for point management accesses a point management server (service server 200) corresponding to the mini-app for point management. The mini-app for point management and the point management server cooperate to display content related to point management on the display unit of user terminal device 10 and provide content according to user operations to provide services related to point management.

[0048] The button for starting the mini app may include other buttons in addition to (or instead of) the above-mentioned buttons B1-B4. Also, the first interface screen IM1 may include other buttons in addition to the button for starting the mini app. When the other buttons are operated, they are used to access other servers, for example, by a browser function, without relying on the mini app 30, and to display information provided by the other servers on the display unit of the user terminal device 10.

[0049] As described above, when the user terminal device 10 accesses the payment server 100 from within Japan, the payment server 100 provides the electronic payment service and the service provided by the mini-app.

[0050] 8, if the access is not from within Japan, the determination unit 160 of the payment server 100 determines whether the user satisfies a predetermined condition (S106). The predetermined condition is, for example, that the user is a resident of the first region. The information processing unit 150 determines whether the user satisfies the predetermined condition based on, for example, the user ID and the determination information 188.

[0051] FIG. 10 is a diagram showing an example of the contents of determination information 188. Determination information 188 is information in which information on the country of residence is associated with a user ID. If the information on the country of residence is a country in the first region, determination unit 160 determines that a predetermined condition is satisfied. If the predetermined condition is satisfied, content providing unit 120 provides a second interface screen to user terminal device 10 (S108). The second interface screen may be the same as the first interface screen, or may be different.

[0052] If the predetermined condition is not satisfied in S106, the content providing unit 120 provides the user terminal device 10 with a third interface screen (S108). The third interface screen is a screen that is displayed on the display unit when the predetermined condition is not satisfied in access from overseas. The third interface screen displays information indicating that the electronic payment service and services available in the electronic payment service cannot be used (information indicating that an error has occurred).

[0053] As described above, if the predetermined conditions are not met, the use of the electronic payment service and services available in payment application 20 will be restricted.

[0054] Between steps S102 and S106, or between S106 and S108, the payment server 100 may determine whether the access is from a specific country or a specific region. For example, if the access is from a specific country or a specific region, the first service is not provided and the third interface screen is displayed on the display unit. The specific country or specific region is a country or region where the risk of fraudulent use is high.

[0055] As described above, the payment server 100 restricts the use of services in a specific country or region, and therefore, it is possible to improve user convenience while suppressing the risk of fraudulent use.

[0056] According to the first embodiment described above, when the payment server 100 determines that a request for provision of a first service is sent from a payment app used in an electronic payment service from a first region, the payment server 100 provides the first service to the payment app, and when the payment server 100 determines that the request is sent from a second region different from the first region and the user of the payment app is not a resident of the first region, the payment server 100 does not provide the first service to the payment app, and when the payment server 100 determines that the request is sent from the second region and the user of the payment app is a resident of the first region, the payment server 100 provides the first service to the payment app, thereby making it possible to provide services to a user even if a terminal device is located in a specified region (e.g., overseas).

[0057] <Modification> In the above process, if the payment server 100 determines that the request is sent from the first region, it provides the first service and a second service different from the first service to the payment app 20, and if the payment server 100 determines that the request is sent from the second region and the user of the payment app 20 is a resident of the first region, it may provide the first service to the payment app 20 and not provide the second service to the payment app 20. The second service is any service as long as it is different from the first service.

[0058] For example, the first service may be a service provided using mini app 30, and the second service may be a service different from the first service. Also, the second service may be a payment service using user scanning and code scanning, and the first service may be a service different from the payment service.

[0059] Furthermore, the first service may be, for example, an overseas travel insurance service, a securities service, a payment service using a payment app, or a service related to a user's bank account, as described in the first embodiment, and the second service may be a service different from the above, or may be a part of the above services.

[0060] According to the variant described above, when the payment server 100 determines that the request is sent from a first region, it provides the payment app 20 with a first service and a second service different from the first service, and when the payment server 100 determines that the request is sent from a second region and the user of the payment app 20 is a resident of the first region, it provides the first service to the payment app 20 and does not provide the second service to the payment app 20. By taking into account risks according to the user's situation, it is possible to improve user convenience while suppressing risks.

[0061] <Second embodiment> The second embodiment will be described below. When a user of the payment app 20 applies to use of a service to the payment app 20 in a first region, a request is sent from a second region, and the user of the payment app 20 is a resident of the first region, the information processing unit 150 provides the first service to the payment app 20, and when a user of the payment app 20 does not apply to use of a service to the payment app 20 in the first region, the information processing unit 150 does not provide the first service to the payment app 20.

[0062] Information processing unit 150 judges whether or not the user applied for a service to payment application 20 in the first region by referring to determination information 188A. FIG. 11 is a diagram showing an example of the contents of determination information 188A. Determination information 188A is, for example, information in which information on the country of residence and application information are associated with identification information of the user. The application information is information indicating that an application for using a service provided by payment application 20 has been made in the first region. An application means that information required for use, such as registration of a telephone number, has been provided and registration has been completed. The application information may be that the user's telephone number has been registered, or may be that the user's identification information has been assigned.

[0063] For example, if it is not possible to apply for the payment service when accessed from a region different from the first region, the telephone number and the fact that the application has been completed as described above can be used to assume that the application has been made in the first region.

[0064] Also, for example, if the payment service can be applied for even if accessed from a region different from the first region, information on the region where the application was made may be associated in the determination information 188A using the IP address or the like as described above. In this case, the information processing unit 150 refers to the information on the region where the application was made to determine whether or not the first service can be provided.

[0065] According to the second embodiment described above, the payment server 100 can achieve the same effects as the first embodiment.

[0066] <Third embodiment> The third embodiment will be described below. In the third embodiment, the payment server 100 performs one or more determinations among the following (1) to (5), and if the result of the determination is positive, determines that the user is a resident of the first region. (1) Determine whether the user is a resident of the first region based on the user's identification information included in the request and information indicating the residential area associated with the user's identification information stored in a memory unit. (2) Determine whether the user is a resident of the first region based on the user's identification information included in the request and the payment history associated with the user's identification information stored in a memory unit. (3) Determine whether the user is a resident of the first region based on the user's identification information included in the request and the past location history of a user terminal device on which the payment app is installed and which is associated with the user's identification information stored in a memory unit. (4) Determine whether the user is a resident of the first region based on the user's identification information included in the request and the user's service subscription status or service usage status associated with the user's identification information stored in a memory unit. (5) The payment app that made the request determines whether the user is a resident of the first region based on whether the IP address associated with the request sent within a predetermined time from the request is an IP address of the first region.

[0067] The payment server 100 makes the above-mentioned determination by referring to the determination information 188B. Fig. 12 is a diagram showing an example of the contents of the determination information 188B. The determination information 188B is information in which, for example, a user ID is associated with information such as a country of residence, payment history information, history information, and service usage status (or service application status). These pieces of information are information included in the user information 172, or information obtained by the payment server 100 communicating with the payment application 20.

[0068] The country of residence corresponding to (1) above has been explained in the first embodiment, so explanation will be omitted. The payment history corresponding to (2) above is the payment history of payments made by the user using the payment application 20. The payment history information includes information such as information on the affiliated store where the payment was made, the payment amount, and the date and time of the payment. If the payment history information indicates that a payment was made in the first region within a predetermined time from the determination timing, the payment server 100 determines that the user is a resident of the first region.

[0069] The location history corresponding to (3) above is a history of location information obtained from the payment application 20. That is, location information is information indicating the location history of the user. If there is a location history in the first region within a predetermined time from the determination timing, the payment server 100 determines that the user is a resident of the first region.

[0070] The service usage information corresponding to the above (4) is the usage status of the service used by the user. The service may be, for example, a service provided via the payment app 20 or the mini app 30, or may be another service. If the service is used within a predetermined time from the determination timing, the payment server 100 determines that the user is a resident of the first region. The service is, for example, a hometown tax payment service, a car dispatch service, a food delivery service, an insurance service, etc., and is a service that is presumed to be used if the user is in the country.

[0071] A case where (4) above is a service application status will be described. The service may be, for example, a service provided via the payment application 20 or the mini application 30, or may be another service. If the service is applied for at the determination timing (if the contract is ongoing), the payment server 100 determines that the user is a resident of the first region. The service may be, for example, insurance or a subscription service applicable in the first region. The service may be, for example, an insurance service applicable to a house, a car, or an event in Japan, or a subscription service provided monthly in the first region. The service may also be a service indicating that the user is temporarily traveling to the second region. The service may be, for example, overseas travel insurance, a rental service for communication devices usable overseas, a rental service used overseas, or a service related to overseas travel (services related to travel products, hotels, and air tickets provided by a travel agency).

[0072] Instead of the above services, the payment server 100 determines that the user is a resident of the first region based on travel information and application information. The travel information is, for example, official visa information. The application information is information such as a certificate presented by the user.

[0073] In addition, the payment server 100 may determine that the user is an immigrant to the first region if the IP address of the communication device used by the payment application 20 within a predetermined time from the determination timing as in (5) above is an IP address belonging to the first region.

[0074] According to the third embodiment described above, the payment server 100 can more accurately determine whether or not the user is a resident of the first region.

[0075] According to the embodiment described above, when the payment server 100 determines that a request for provision of a first service is sent from a payment app used in an electronic payment service from a first region, the payment server 100 provides the first service to the payment app, when the payment server 100 determines that the request is sent from a second region different from the first region and the user of the payment app is not a resident of the first region, the payment server 100 does not provide the first service to the payment app, and when the payment server 100 determines that the request is sent from the second region and the user of the payment app is a resident of the first region, the payment server 100 provides the first service to the payment app, thereby making it possible to provide services to a user even if a terminal device is located in a specified region (e.g., overseas).

[0076] 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]

[0077] 10 User terminal device 20. Payment App 70 Second store terminal device 72 Merchant Interface 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Section

Claims

1. an acquisition unit that acquires a request for provision of a first service from a payment application used in the electronic payment service; When it is determined that the request is sent from a first region, providing the first service to the payment application; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment application is not a resident of the first region, the first service is not provided to the payment application; an information processing unit that provides the first service to the payment application when it is determined that the request is transmitted from the second region and that the user of the payment application is a resident of the first region; An information processing device comprising:

2. the first region is a country; the second region is a foreign country; The information processing device according to claim 1 .

3. The information processing unit includes: Even if the request is transmitted from the second region and it is determined that the user of the payment application is a resident of the first region, if the second region is a third region to be excluded, the first service is not provided to the payment application. The information processing device according to claim 2 .

4. The information processing unit includes: providing the first service to the payment app when a user of the payment app has applied to use a service of the payment app in the first region, the request is transmitted from the second region, and the user of the payment app is a resident of the first region; If a user of the payment app has not applied for use of a service to the payment app in the first region, the first service is not provided to the payment app; The information processing device according to claim 1 .

5. The information processing unit includes: When it is determined that the request is transmitted from the first region, providing the first service and a second service different from the first service to the payment application; when it is determined that the request is transmitted from the second region and that the user of the payment application is a resident of the first region, providing the first service to the payment application and not providing the second service to the payment application; The information processing device according to claim 1 .

6. The information processing unit performs one or more of the following determinations (1) to (5), and if the result of the determination is positive, determines that the user is a resident of the first region. (1) determining whether the user is a resident of the first region based on identification information of the user included in the request and information indicating a residential region associated with the identification information of the user stored in a storage unit; (2) determining whether the user is a resident of the first region based on the user's identification information included in the request and a payment history associated with the user's identification information stored in a storage unit; (3) determining whether the user is a resident of the first region based on the identification information of the user included in the request and a past location history of a user terminal device on which the payment app is installed and which is associated with the identification information of the user stored in a storage unit; (4) determining whether the user is a resident of the first region based on the user's identification information included in the request and the user's subscription status to a service or service usage status associated with the user's identification information stored in a storage unit; (5) The payment application that made the request determines whether or not the user is a resident of the first region based on whether or not an IP address associated with a request sent within a predetermined time from the request is an IP address of the first region. The information processing device according to claim 1 .

7. The information processing unit includes: When it is determined that the request is transmitted from a first region, the content of the first service, that is, overseas travel insurance, is provided to the payment application; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment application is not a resident of the first region, the content of the overseas travel insurance, which is the first service, is not provided to the payment application; providing the content of the overseas travel insurance, which is the first service, to the payment app when it is determined that the request is transmitted from the second region and that the user of the payment app is a resident of the first region; The information processing device according to claim 1 .

8. The information processing unit includes: When it is determined that the request is transmitted from a first region, providing content of a securities service, which is the first service, to the payment application; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment application is not a resident of the first region, the content of the securities service, which is the first service, is not provided to the payment application; providing content of the securities service, which is the first service, to the payment application when it is determined that the request is transmitted from the second region and that the user of the payment application is a resident of the first region; The information processing device according to claim 1 .

9. The information processing unit includes: When it is determined that the request is transmitted from a first region, a payment is made using the payment application, which is the first service; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment app is not a resident of the first region, the payment is not executed using the payment app, which is the first service, in response to an operation by the user; When it is determined that the request is transmitted from the second region and that the user of the payment app is a resident of the first region, the use of the payment using the payment app, which is the first service, is restricted more than when it is determined that the request is transmitted from the first region, and the payment using the payment app, which is the first service, is executed in response to an operation by the user. The information processing device according to claim 1 .

10. The information processing unit includes: When it is determined that the request is sent from a first region, providing the content related to the user's bank account, which is the first service, to the payment application; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment app is not a resident of the first region, the content related to the user's bank account, which is the first service, is not provided to the payment app; providing the payment app with content related to the user's bank account, which is the first service, when it is determined that the request is transmitted from the second region and that the user of the payment app is a resident of the first region; The information processing device according to claim 1 .

11. The computer receiving a request for provision of a first service from a payment application used in the electronic payment service; When it is determined that the request is sent from a first region, providing the first service to the payment application; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment application is not a resident of the first region, the first service is not provided to the payment application; When it is determined that the request is transmitted from the second region and that the user of the payment application is a resident of the first region, the first service is provided to the payment application. Information processing methods.

12. On the computer, receiving a request for provision of a first service from a payment application used in the electronic payment service; When it is determined that the request is transmitted from a first region, causing the payment application to provide the first service; When it is determined that the request is transmitted from a second region different from the first region and that the user of the payment application is not a resident of the first region, the first service is not provided to the payment application; when it is determined that the request is transmitted from the second region and that the user of the payment application is a resident of the first region, causing the payment application to provide the first service; program.

Images