Information processing device, information processing method and information processing program

Abstract

To provide an information processing device simplifying a credit card application.SOLUTION: An information processing device includes: a receiving part for receiving a credit card application from a user; an acquisition part for acquiring identity verification information used by the user whose credit card application has been received by the receiving part, for identity verification performed in other services; and a provision part for providing a credit card application screen to the user in a state where the identity verification information acquired by the acquisition part is input.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] Conventionally, electronic money payment is known in which a price is paid using electronic money. For example, as one type of electronic money payment, a method is known in which a payment is made by displaying or reading a two-dimensional code or the like using a terminal device carried by a user.

[0003] For example, in the field of electronic money payments, a technology has been proposed for post-payment payments in which a user links a credit card to a wallet and pays the amount used for electronic money payments in a lump sum at a later date (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2022-158810 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the prior art leaves room for improvement in simplifying the credit card application process.

[0006] The present invention has been made in consideration of the above, and has an object to provide an information processing device, an information processing method, and an information processing program that can simplify the application for a credit card. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, an information processing device according to the present invention includes a reception unit, an acquisition unit, and a provision unit. The reception unit accepts a credit card application from a user. The acquisition unit acquires identity verification information used for identity verification performed in another service by the user whose credit card application was accepted by the reception unit. The provision unit provides the user with a credit card application screen with the identity verification information acquired by the acquisition unit entered therein. Effect of the Invention

[0008] According to the present invention, the application process for a credit card can be simplified. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Diagram 2] FIG. 2 is a diagram showing an example of a screen transition according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of a settlement scheme according to an embodiment. [Figure 4] FIG. 4 is a block diagram illustrating an example of the configuration of the payment server according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of information stored in the usage information storage unit according to the embodiment. [Figure 7] FIG. 7 is a block diagram illustrating an example of the configuration of an information processing device according to the embodiment. [Figure 8] FIG. 8 is a flowchart illustrating an example of the reception process according to the embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments.

[0011] [Embodiment] [1. Information Processing] First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment.

[0012] As shown in FIG. 1, an information processing device 1 according to the embodiment is, for example, an information processing device operated by a credit card company, and is realized by, for example, a server device or a cloud system.

[0013] For example, the credit card company shown in Fig. 1 cooperates with electronic payment businesses etc. to provide various services to users. In this embodiment, the information processing device 1 accepts a credit card application from a user.

[0014] The payment server 200 owned by the electronic payment business operator is a server device that provides electronic money payment to each user. For example, the payment server 200 is an information processing device that provides electronic payment services related to electronic payments using the user terminal 100 and performs various payments. For example, the payment server 200 manages the accounts of providers (business operators) of transaction objects and users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts in accordance with a payment request from a user.

[0015] The user terminal 100 shown in Fig. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 100 displays information distributed by the information processing device 1 and the payment server 200 using a web browser or an application. In the example shown in Fig. 1, the user terminal 100 is a smartphone.

[0016] Here, prior to the provision process executed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. In the following description, an example will be described in which a user makes a payment using the user terminal 100 by using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information for identifying store A, but the embodiment is not limited to this. The example of payment described below is also applicable to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. In addition, the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like.

[0017] For example, when a user makes a payment for using or purchasing a payment object (transaction object) such as various goods or services at store A, the user launches a payment app pre-installed in the user terminal 100. The user then photographs the store identification information installed in store A via the payment app. In such a case, the user terminal 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from the user or a store clerk at store A. The user terminal 100 then transmits to the payment server 200 the user identification information that identifies the user, the store identification information (or information indicated by the store identification information, i.e., information indicating store A (or the operator of store A) (e.g., a store ID), and payment information indicating the payment amount.

[0018] In such a case, the payment server 200 transfers electronic money in the amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A indicated by the store identification information. Then, the payment server 200 transmits a notification that the payment has been completed to the user terminal 100. In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0019] A more detailed example will be described. For example, the store identification information installed in the store A is a URL set for each store, and is linked to group identification information indicating a group to which the store A belongs and group store identification information identifying the store A in the group, and is managed so that the payment server 200 can refer to it. The URL serving as the store identification information is a URL for accessing the payment server 200. When the user terminal 100 photographs the store identification information, it accesses the URL indicated by the photographed store identification information and transmits the user identification information. In such a case, the payment server 200 identifies the group identification information corresponding to the accessed URL, and identifies the electronic money account (sometimes displayed as a "wallet") associated with the identified group identification information. Next, the payment server 200 causes the user terminal 100 to display an amount input screen and input an amount. Then, the payment server 200 identifies the group identification information from the wallet associated with the user identification information received from the user terminal 100, and transfers the input amount of electronic money to the wallet associated with the identified group identification information. The payment server 200 may transfer the electronic money to a wallet associated with the group identification information and the group store identification information.

[0020] It should be noted that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100, and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., user ID), the payment amount, and information identifying store A) to the payment server 200. In such a case, the payment server 200 may transfer electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A, and notify the store terminal of store A or the user terminal 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0021] More specifically, the user terminal 100 transmits a payment request to the payment server 200 together with the user identification information. In such a case, the payment server 200 generates a one-time code, links the generated one-time code to the user identification information, and transmits the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information for identifying the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the payment server 200. The payment server 200 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

[0022] Furthermore, the payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to an account of store A, but may also be a payment using, for example, a credit card registered by the user in advance. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to the account of store A, and may also bill the operating company (card company) of the user's credit card for the payment amount.

[0023] Incidentally, in recent years, electronic money payments using the above-mentioned QR Code (registered trademark) are becoming widespread. In electronic money payments, in addition to balance payments, deferred payment is becoming more and more popular. In deferred payment, a credit card is linked to a user's wallet in advance, and the amount of the electronic money payment is paid in a lump sum at a later date by withdrawing the credit card using the credit card's credit limit.

[0024] When user U applies for a credit card to be used for a deferred payment service, he or she needs to register a withdrawal account (bank account) for the credit card. For example, there are cases where user U abandons the application for a credit card, such as discontinuing the application at the stage of registering the withdrawal account for the credit card.

[0025] Therefore, by working in cooperation with an electronic payment service provider, the information processing device 1 makes it optional for user U who has registered an auto-charge account with the electronic payment service provider to register a credit card withdrawal account, and further provides an application screen pre-populated with the information that user U would enter when applying for a conventional credit card.

[0026] An outline of a series of processes related to a credit card application according to the embodiment will be described below. As shown in FIG. 1, first, a user U applies for a credit card to the payment server 200 through an electronic payment service application (step S1). The payment server 200 provides an information provision consent screen to the user terminal 100 of the user U (step S2). Here, the information provision consent screen is a screen for the user U to consent to the provision of personal information of the user U held by the payment server 200 to a credit card company.

[0027] When the user U agrees to the provision of information on the information provision consent screen (step S3), the payment server 200 notifies the information processing device 1 of the user U's application for a credit card (step S4).

[0028] The information processing device 1 also acquires identity verification information on the user U from the payment server 200 (step S5). The identity verification information is information used by the electronic payment business operator to verify the identity of the user U, and includes information on the name, age, address, nationality (including residence status in the case of a foreign nationality), date of birth, address, occupation, purpose of use, and the like. The identity verification information also includes information on the bank account registered in the user wallet, gender, telephone number, and the like. The identity verification information acquired by the information processing device 1 may also be referred to as eKYC. When accepting a credit card application by the user U via the payment server 200, the information processing device 1 may also accept information on whether the user U wishes to settle the credit card bill with an electronic money account from the payment server 200.

[0029] By using eKYC, it becomes possible for business operators to share user U's identity verification information, which can simplify the credit card application process, as described below. Next, the information processing device 1 inputs application information based on the acquired identity verification information (step S6). The application information is information required by user U to apply for a credit card. The information processing device 1 inputs the items of application information that are listed in the identity verification information.

[0030] In this embodiment, in order to utilize the settlement scheme described later in FIG. 3 and the like, the bank account registered in the user wallet is also displayed as application information. Note that for users who have not been identified by an electronic payment service provider, identity verification is required with a credit card company, and so an application for a normal credit card will be made. Also, for users who have been identified but have not registered a bank account for auto-charge in the user wallet, they will need to register a bank account, so a bank account registration screen will be provided. That is, the information processing device 1 executes the following process for user U who has been identified, has registered a bank account for auto-charge in the user wallet, and wishes to use the user wallet as a settlement account for a credit card.

[0031] The information processing device 1 provides the user terminal 100 with an application screen on which application information has already been input (step S7). At this time, the information processing device 1 provides an input screen on which items that have already been input cannot be edited. This makes it possible to prevent the user U from erroneously editing the application information. Note that items that have already been input may be hidden on the application screen.

[0032] Next, the information processing device 1 acquires input information from the user terminal 100 (step S8). The input information is information entered by the user U for items not included in the identity verification information. For example, the input information includes the purpose of using the credit card. For example, if there is a change in the address or other information from the identity verification information registered with the electronic payment business operator, that is, if the address already entered on the application screen is different from the current address due to the user U moving, the credit card company may perform identity verification again. In this case, since identity verification has not been completed, the screen may transition to a normal credit card application screen.

[0033] Then, when the information processing device 1 acquires the input information from the user U, the application for a credit card by the user U is completed. The credit card company starts screening the credit card application based on the identity verification information acquired from the electronic payment business operator and the input information entered by the user U.

[0034] In this way, in the information processing according to the embodiment, a credit card application screen is provided to the user with the identity verification information acquired from the electronic payment business operator as input. In other words, in the information processing according to the embodiment, when the user U applies for a credit card, an application screen with the identity verification information already input is provided, and the application for the credit card can be completed by inputting the minimum amount of information.

[0035] Next, screen transitions related to a credit card application will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of screen transitions according to an embodiment. As shown in Fig. 2, when a user U applies for a credit card via a payment app provided by an electronic payment business operator, a first screen G1 is displayed on the user terminal 100. Note that the first screen G1 is a screen provided by the electronic payment business operator.

[0036] The first screen G1 is an information provision consent screen, that is, the first screen G1 is a screen for requesting the user U to consent to the provision of the user U's identity verification information from the electronic payment business operator to the credit card company.

[0037] When the user U agrees to the information provision on the first screen G1, the screen transitions to the second screen G2. The second screen G2 is a screen for SMS authentication. That is, the credit card company performs SMS authentication using the telephone number included in the identity verification information obtained from the electronic payment company.

[0038] Then, when the user U enters the authentication code sent by SMS into the second screen G2, the third screen G3 is displayed. The third screen G3 corresponds to the above-mentioned application screen. The third screen G3 includes a non-editable area A1 and an editable area A2.

[0039] The non-editable area A1 is an area that cannot be edited by the user U, and is an area in which application information has already been entered based on the identity verification information. As shown in Fig. 2, the non-editable area A1 displays items such as name, date of birth, nationality, occupation, postal code, address, and mobile phone number that have already been entered.

[0040] Moreover, the editable area A2 is an area that can be edited by the user U, and in the example shown in FIG. 2, the user U can select an auto-charge account for the user wallet (electronic money account). For example, when the information processing device 1 acquires information on multiple bank accounts from the payment server 200, that is, when the user U has registered multiple bank accounts in the user wallet, it can display all bank accounts and set the bank account designated by the user U as the auto-charge account. When set, the setting information is linked to the payment server 200 so that the bank account selected by the user becomes the auto-charge account. Note that, for example, since the user U who has only one bank account registered does not need to select an auto-charge account, the selection field for the auto-charge account may be hidden.

[0041] Furthermore, in the editable area A2, for example, a UI for selecting the brand of credit card, the design of the credit card, and inputting the PIN number of the credit card may be arranged.

[0042] Next, a settlement scheme of the post-payment service according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of a settlement scheme according to the embodiment. In Fig. 3, the process by the information processing device 1 will be described as a process by a credit card company, and the process by the payment server 200 will be described as a process by an electronic payment company.

[0043] As shown in FIG. 2, when user U uses a deferred payment service (step S11), the electronic payment business notifies the credit card business of the amount used by user U (step S12). If user U uses electronic money payment to pay the balance, the electronic payment business does not notify the credit card business of the amount used, and the electronic payment business executes the existing electronic money payment. At this time, if there is a shortage of balance or the balance after payment is below a threshold, the electronic payment business charges from the first account. The first account is a bank account set as an auto-charge account in the user wallet.

[0044] In this embodiment, the processes of steps S11 and S12 are repeatedly executed each time the user U uses the postpaid service. Thereafter, the credit card company finalizes the credit card settlement amount on a predetermined date (e.g., the 10th of each month) (step S13). The settlement amount is the amount to be debited from the credit card next time, and is the total amount of usage in a predetermined period (e.g., one month). For example, if the user U has set up a revolving payment or installment payment, the settlement amount may be less than the total amount of usage, and if the user U has set up a bonus payment, the settlement amount may be more than the total amount of usage.

[0045] Next, the credit card company selects a settlement account according to the confirmed settlement amount (step S14). For example, if the settlement amount is equal to or exceeds the settlement upper limit (e.g., 1 million yen), the credit card company selects the second account as the settlement account, and if the settlement amount is less than 1 million yen, the credit card company selects an electronic money account as the settlement account. The second account is a bank account registered as a withdrawal account for the credit card.

[0046] In addition, when the settlement amount exceeds 1 million yen, the credit card company may select the second account as the settlement account for the 1 million yen amount and select the electronic money account as the settlement account for the remaining amount.

[0047] In this manner, in this embodiment, when the settlement amount is 1 million yen or less, an electronic money account is selected as the settlement account, and therefore, user U can optionally register a second account. Therefore, in this embodiment, user U who has registered a first account can apply for a credit card with a simple procedure.

[0048] When selecting a settlement account, the credit card company may divide the credit card statement by amount or by payment unit, and then determine the settlement amount for each account. For example, if the settlement amount exceeds 1 million yen, the second account may be selected as the settlement account for the 1 million yen amount, and the first account may be selected as the settlement account for the remaining amount.

[0049] The electronic payment business operator may also select a settlement account according to settings made by user U. In this case, user U can arbitrarily select a settlement account on a monthly basis, and the electronic payment business operator selects the settlement account according to settings made by user U. That is, in this case, if the settlement amount is less than 1 million yen, user U can select a settlement account according to the balance of each account, etc.

[0050] Next, the process when an electronic money account is selected as the settlement account will be explained. When an electronic money account is selected as the settlement account, the credit card company makes a settlement request to the electronic payment company (step S15).

[0051] Based on the request, the electronic payment service provider debits the user wallet on the credit card debit date. More specifically, the electronic payment service provider checks the balance of the user wallet, and if the settlement amount is greater than the balance, makes a charge request to the first account (bank) to charge the user wallet (step S16).

[0052] Then, the balance is charged from the first account to the user wallet (step S17), and the electronic payment service provider debits the charged user wallet (step S18).

[0053] Thereafter, the electronic payment business operator transfers the settlement amount to the credit card business operator (step S19). If the second account was selected as the settlement account in step S14, the credit card business operator debits the settlement amount from the second account on the credit card withdrawal date (step S20). For users U who do not have a registered second account, the electronic payment business operator requests that the transfer be made using a transfer slip.

[0054] In the information processing according to the embodiment, such a payment scheme can realize a post-payment service using a credit card in an electronic money payment service. In addition, in the information processing according to the embodiment, for a user who has a registered second account, if the settlement upper limit is exceeded, the second account can be debited, so that the user U can use electronic money payment without worrying about the settlement upper limit.

[0055] [2-1. Example of payment server configuration] Next, a configuration example of the payment server 200 will be described with reference to Fig. 4. Fig. 4 is a block diagram showing a configuration example of the payment server 200 according to the embodiment. As shown in Fig. 4, the payment server 200 includes a communication unit 5, a storage unit 6, and a control unit 7.

[0056] The communication unit 5 is realized by, for example, a network interface card (NIC), etc. The communication unit 5 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100 and the like.

[0057] The storage unit 6 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0058] As shown in Fig. 4, the storage unit 6 has a user information storage unit 61. The user information storage unit 61 stores user information. The user information includes various information related to the user U. Fig. 5 is a diagram showing an example of information stored in the user information storage unit 61 according to the embodiment.

[0059] As shown in FIG. 5, the user information storage unit 61 according to the embodiment stores information items such as "user ID", "registration information", "wallet information", "identification", and "auto-charge" in association with each other.

[0060] The "user ID" item stores an identifier for identifying each user U in the payment server 200. The "registration information" item stores information registered in the payment server 200 by a user U identified by the corresponding user ID. The registration information includes various information such as name, address, age, family structure, place of employment, and annual income.

[0061] The "wallet information" item stores wallet information opened with an electronic payment service for user U identified by the corresponding user ID. The wallet information includes an identifier for identifying the wallet (e.g., wallet ID), information regarding the balance, and information regarding the wallet's charge account (bank account).

[0062] The "identity verification" item stores information (flag) about whether or not the user U identified by the corresponding user ID has undergone identity verification. For example, the "identity verification" item stores "1" for the user U who has undergone identity verification, and "0" for the user U who has not undergone identity verification.

[0063] The "auto-charge" item stores information (flag) about whether or not the user U identified by the corresponding user ID has auto-charge set. For example, if the user U identified by the corresponding user ID has auto-charge set, "1" is stored, and if auto-charge is not set, "0" is stored.

[0064] Returning to the explanation of Fig. 4, the usage information storage unit 62 will be explained. The usage information storage unit 62 stores usage information. The usage information is information relating to the amount of electronic money used by each user U.

[0065] Fig. 6 is a diagram showing an example of information stored in the usage information storage unit 62 according to the embodiment. As shown in Fig. 6, the usage information storage unit 62 stores information on items such as "user ID", "usage amount (balance payment)", "usage limit (balance payment)", "usage amount (postpaid)", and "usage limit (postpaid)" in association with each other.

[0066] The "user ID" item stores an identifier for identifying each user U in the payment server 200. The "amount used (balance payment)" item stores information regarding the amount used for balance payment in electronic money payment.

[0067] The "Usage Limit (Balance Payment)" item stores information about the upper limit of the usage amount for balance payments in electronic money settlement. For example, the upper limit of the usage amount for the past 24 hours and the past 30 days is determined by the presence or absence of identity verification, the method of charging the user wallet, etc.

[0068] The "Amount Used (Postpaid)" item stores information regarding the amount used for balance payments in electronic money payments. The "Usage Limit (Postpaid)" item stores information regarding the upper limit of the amount used for balance payments in electronic money payments. For example, a usage limit for postpaid payments is set for a single payment. The usage limit for postpaid payments may also be the upper limit of a credit card's credit limit.

[0069] Returning to the explanation of Fig. 4, the control unit 7 will be explained. The control unit 7 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using a RAM as a working area. The control unit 7 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0070] 4, the control unit 7 includes an acquisition unit 71, a payment processing unit 72, a management unit 73, and a setting unit 74. The acquisition unit 71 acquires information related to payment using the user terminal 100 (electronic payment).

[0071] The acquisition unit 71 acquires information related to the payment used by the user U from the user terminal 100 or a store terminal. For example, the information related to the payment includes a user ID, a store ID, and a usage amount.

[0072] The acquisition unit 71 also acquires a payment request for a post-payment service from the credit card company's information processing device 1. The payment request includes information on the user ID and the settlement amount.

[0073] The payment processing unit 72 executes various payment processes related to payments (electronic payments) using the user terminal 100. For example, the payment processing unit 72 settles the usage amount acquired by the acquisition unit 71 using a payment method set by the user, such as paying the balance of an electronic money account or post-payment with a credit card linked to the electronic money account.

[0074] Specifically, the payment processing unit 72 refers to the user information storage unit 61 and checks whether the payment method selected by the user U is balance payment or deferred payment. Next, if the payment method selected by the user U is balance payment, the payment processing unit 72 determines whether the balance is large enough to cover the usage amount.

[0075] If the balance is also the amount used, the payment processing unit 72 executes a payment process using the balance. If the balance is also the amount used, the payment processing unit 72 refers to the user information storage unit 61 and determines whether the auto-charge setting is on.

[0076] If the auto-charge setting is on, the payment processing unit 72 requests auto-charge from the first account and executes the payment process with the balance after auto-charge. If the auto-charge setting is off, that is, if the balance is insufficient, the payment processing unit 72 processes it as a settlement error.

[0077] Furthermore, if the payment method selected by the user U is deferred payment, the payment processing unit 72 notifies the information processing device 1 via the communication unit 5 of the amount used by the user U.

[0078] Furthermore, when the acquisition unit 71 acquires a settlement request for the credit card settlement amount, the settlement processing unit 72 executes a settlement process for the settlement amount. For example, the settlement processing unit 72 determines whether the settlement amount can be settled with the balance of the user wallet, and if it is possible, settles the amount from the balance. Furthermore, if the balance of the user wallet is insufficient, the settlement processing unit 72 requests the user wallet to be charged from the first account, and settles the amount with the balance after charging.

[0079] Furthermore, when the credit card billing amount exceeds a predetermined threshold, the payment processing unit 72 arranges for a transfer slip to be sent to the user. Here, arranging for a transfer slip means instructing an operator of the electronic payment business operator or an operator of the credit card company to send a transfer slip to user U. More specifically, the payment processing unit 72 associates a flag indicating that the settlement is to be a transfer slip with the billing data of user U and stores it. The operator will refer to this data and send a transfer slip to user U.

[0080] The management unit 73 manages the upper limit of the balance payment and the upper limit of the deferred payment separately for the user U. Specifically, the management unit 73 manages the upper limit of the balance payment and the deferred payment for electronic money payments made by the user U, for example.

[0081] For example, when the payment processing unit 72 performs payment processing, the management unit 73 refers to the usage information storage unit 62 and determines whether the current usage amount is within the usage limit for balance payment or within the usage limit for deferred payment.

[0082] If the amount of the transaction is within the upper limit, the management unit 73 allows the transaction to be processed by the transaction processing unit 72, but if the amount of the transaction exceeds the upper limit, the management unit 73 processes the transaction as an error. If the transaction is processed as an error, the user terminal 100 or the store terminal is notified that the transaction is invalid and the reason for the invalidity.

[0083] In this way, the management unit 73 can appropriately manage electronic money payments by the user U by separately managing the upper limit for balance payment and the upper limit for deferred payment.

[0084] The setting unit 74 performs various processes related to the auto-charge setting by the user U. Specifically, the setting unit 74 sets the auto-charge setting of the bank account (first account) linked to the user wallet for the user U who has selected the user wallet as the settlement account for the postpaid service to on. In addition, the setting unit 74 prohibits the cancellation of the auto-charge setting until the user U registers a second account.

[0085] This is because, if a second account is registered, the deferred payment amount can be debited from the second account, which makes it possible to properly process the deferred payment amount.

[0086] In addition, the payment server 200 may obtain information regarding whether or not the second account has been registered from the information processing device 1 that manages the account information of the second account, or may cooperate with the information processing device 1 to receive a notification from the information processing device 1 when the user U registers a second account in the information processing device 1.

[0087] [2-2. Example of configuration of information processing device] Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 7. Fig. 7 is a block diagram showing a configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 7, the information processing device 1 has a communication unit 2, a storage unit 3, and a control unit 4.

[0088] The communication unit 2 is realized by, for example, a network interface card (NIC) etc. The communication unit 2 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100 etc.

[0089] The storage unit 3 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0090] For example, the storage unit 3 stores the account number of the second account in association with user identification information managed by the credit card company. The storage unit 3 also stores user identification information (user ID on the information processing device 1 side) at the payment company, a credit card number, and information on whether or not the payment is electronic money in association with the account number.

[0091] The control unit 4 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using a RAM as a working area. The control unit 4 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 7, the control unit 4 according to the embodiment has a reception unit 41, an acquisition unit 42, a provision unit 43, a settlement processing unit 44, and a request unit 45, and realizes or executes the functions and actions of information processing described below.

[0092] The reception unit 41 receives an application for a credit card to be used as a deferred payment service of the payment application installed in the user terminal 100 of each user. The reception unit 41 receives a credit card application made through the payment application via the payment server 200. That is, the reception unit 41 receives a credit card application from a user U who has logged in to the payment application and who has agreed to information provision from the payment server 200 to the information processing device 1.

[0093] At this time, the reception unit 41 receives information from the settlement server 200 as to whether or not the user U who applied for the credit card has selected settlement using the first account.

[0094] Furthermore, when accepting an application for a credit card, the acceptance unit 41 accepts from the settlement server 200 information regarding whether or not the user wishes to settle the credit card payment with an electronic money account.

[0095] In addition, the reception unit 41 accepts the registration of a bank account (second account) to which credit card payments will be debited for users U who have not registered a first account with the payment server 200 or who do not wish to use electronic money settlement (user wallet and first account) for credit card payments. The reception unit 41 requires such users U to register a second account.

[0096] That is, in this embodiment, a user U who has already registered a first account with the payment server 200 may optionally register a second account, while a user U who has not registered a first account or a user U who wishes to use another bank account as the destination for credit card withdrawals is required to register a second account. This allows all users U to register either a first account or a second account, making it possible to properly withdraw funds from their credit cards.

[0097] Furthermore, the accepting unit 41 accepts the registration of a credit card withdrawal account from a user who has completed the application for a credit card. For example, as described below, when a user completes the application for a credit card, the providing unit 43 provides the user with a recommendation screen that recommends the registration of a credit card withdrawal account.

[0098] Then, when the user wishes to register a debit account based on the recommendation screen, the acceptance unit 41 accepts the registration of the debit account.

[0099] The acquisition unit 42 acquires identity verification information used for identity verification performed in other services by a user whose credit card application has been accepted by the acceptance unit 41. For example, the acquisition unit 42 acquires identity verification information from an electronic payment business operator. Identity verification information is information used for identity verification on the information processing device 1 side, and includes name, age, sex, address, mobile phone number, etc. The source from which identity verification information is acquired is not limited to an electronic payment business operator, and may be other services that require identity verification for transactions, such as a securities company or an FX trader.

[0100] The providing unit 43 provides the user U with a credit card application screen with the identity verification information acquired by the acquiring unit 42 entered into it. That is, the providing unit 43 enters the input items on the application screen and items that overlap with the items of the identity verification information based on the identity verification information. At this time, the providing unit 43 provides the credit card application screen with no identity verification information entered to a user who has not been able to acquire identity verification information or a user who has not registered a bank account with an electronic money account.

[0101] Then, the providing unit 43 performs SMS authentication based on the mobile phone number included in the identity verification information, and after verifying that the applicant is the user himself / herself, provides the application screen after each item is input to the user. Note that the identity verification by the providing unit 43 is not limited to SMS authentication, and may be fingerprint authentication, face authentication, or the like.

[0102] The providing unit 43 also provides an application screen in which the items input based on the identity verification information cannot be edited by the user. Note that the items input based on the identity verification information may be hidden on the application screen.

[0103] The providing unit 43 displays the bank accounts registered in the electronic money account on an application screen for a user who wishes to settle a credit card bill with the electronic money account. At this time, when the user has multiple bank accounts registered in the electronic money account, the providing unit 43 accepts designation of a bank account to be charged to the electronic money account from the multiple bank accounts on the application screen.

[0104] When the user finishes inputting information on the application screen provided by the providing unit 43, the information inputted by the user is transmitted to the information processing device 1. Then, the credit card company starts examination. Note that such examination may be performed by an operator, or may be processed in part or entirely by AI.

[0105] Furthermore, the providing unit 43 provides a recommendation screen to the user who has completed inputting information on the application screen, which recommends the user to register a bank account (second account) to be used for settlement in the event that the credit card settlement cannot be made with the electronic money account. As described above, for user U who has registered a first account, registration of a second account is optional, but if the settlement upper limit for electronic money payment is exceeded, registration of a second account is recommended. In other words, if user U who has not registered a second account exceeds the settlement upper limit, a transfer slip will be sent, whereas if the user has registered a second account, the settlement amount will be processed from the second account even if the settlement upper limit is exceeded.

[0106] The settlement processing unit 44 executes various settlement processes related to the post-payment service. The settlement processing unit 44 selects a settlement account to settle the settlement amount of the post-payment service, and executes the settlement process of the settlement amount to the selected settlement account.

[0107] The settlement processing unit 44 selects a settlement account for the settlement amount from the user's electronic money account and the debit account of the credit card linked to the electronic money account based on the settlement amount. For example, the settlement processing unit 44 selects a settlement account for a user who is setting up auto-charge from a first account to an electronic money account and has registered a second account that is a debit account of the credit card.

[0108] If the settlement amount exceeds the settlement upper limit, the settlement processing unit 44 selects the second account, which is a credit card withdrawal account, as the settlement account, and if the settlement amount is less than the settlement upper limit, it selects the electronic money account as the settlement account.

[0109] In addition, when the settlement amount exceeds the settlement upper limit, the settlement processing unit 44 may select an electronic money account for a part of the settlement amount and a withdrawal account for the remaining settlement account. For example, in this case, the settlement processing unit 44 divides the credit card statement by settlement unit or amount unit and selects a settlement account for each.

[0110] Furthermore, the settlement processing unit 44 may select a settlement account based on settings made by the user U. For example, the settlement processing unit 44 selects the electronic money account or second account selected by the user U as the settlement account.

[0111] Thereafter, the settlement processing unit 44 performs settlement processing using the selected settlement account. When the second account is selected as the settlement account, the settlement processing unit 44 debits the settlement amount from the second account on the credit card withdrawal date.

[0112] Furthermore, when an electronic money account is selected as the settlement account, the settlement processing unit 44 requests the settlement server 200 to debit the settlement amount from the electronic money account on the credit card debit date.

[0113] Thereafter, at a specified date and time, the settlement processing unit 44 transfers the settlement amount debited from the second account or the user wallet to the account of each store where the user used the deferred payment service.

[0114] The request unit 45 requests a user who has not registered a withdrawal account (second account) to register a withdrawal account. For example, the request unit 45 requests the user to register a withdrawal account when the settlement amount of the user exceeds a threshold value.

[0115] For example, when the settlement amount of the postpaid service of the user U until the end of the month exceeds the settlement upper limit, or when the settlement amount is expected to exceed the settlement upper limit, the request unit 45 requests the user U to register a second account. Note that the request by the request unit 45 may include, for example, a UI (e.g., a URL) for registering the second account, and may be made through a payment app.

[0116] [3. Processing flow] Next, a process procedure executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing an example of a reception process according to the embodiment. The reception process shown below is repeatedly executed by the information processing device 1 every time a user applies for a credit card.

[0117] As shown in Fig. 8, first, the information processing device 1 accepts a credit card application from the user U (step S101). Next, the information processing device 1 acquires the identity verification information of the user U from the payment server 200 (step S102). Next, the information processing device 1 inputs each input item on the application screen based on the identity verification information (step S103).

[0118] Next, the information processing device 1 provides an application screen after input (step S104), and acquires the input information input by the user (step S105). Then, the information processing device 1 proposes registration of a second account (step S106), and ends the process.

[0119] 4. Modifications In the above embodiment, the information processing device 1 accepts a credit card application through an electronic payment business operator, but the present invention is not limited to this. For example, the information processing device 1 may accept a credit card application through other businesses that use credit cards for their own services, such as flea market businesses, securities companies, and virtual currency businesses.

[0120] In the above embodiment, the case where a credit card application is accepted from an electronic payment business operator and identity verification information is acquired is described, but the present invention is not limited to this. That is, identity verification information may be acquired from a business operator other than the business operator to which the credit card application is made. In the above embodiment, the case where the settlement amount of the electronic money deferred payment service is settled with electronic money is described, but the present invention is not limited to this. That is, the settlement amount of the credit card used by the user U separately from the deferred payment service may also be included in the settlement of the electronic money settlement.

[0121] 5. Effects The information processing device 1 according to the embodiment described above includes a reception unit 41 that receives a credit card application from a user, an acquisition unit 42 that acquires identity verification information used for identity verification in other services by the user whose credit card application was accepted by the reception unit 41, and a provision unit 43 that provides the user with a credit card application screen with the identity verification information acquired by the acquisition unit 42 entered into it.

[0122] The provision unit 43 also provides an application screen in which the input items entered based on the identity verification information cannot be edited by the user. The provision unit 43 also provides the application screen after identity verification using the user's telephone number.

[0123] Furthermore, the acceptance unit 41 accepts a credit card application through an electronic payment service different from a credit card, and the acquisition unit 42 acquires identity verification information of the user who has been verified through the electronic payment service.

[0124] The accepting unit 41 also accepts applications for credit cards to be used in the electronic payment service. The providing unit 43 also provides a credit card application screen to a user who has a bank account registered in a user wallet of the payment service, with the user's identity verification information entered.

[0125] Furthermore, the provision unit 43 provides a credit card application screen without inputting personal identification information to a user who could not obtain personal identification information or a user who has not registered a bank account in the electronic money account. Furthermore, the provision unit 43 provides a bank account registered in the electronic money account to a user who wishes to settle a credit card payment with the electronic money account by displaying it on the application screen.

[0126] Furthermore, when the user has registered multiple bank accounts in the electronic money account, providing unit 43 accepts, on the application screen, the designation of a bank account from which the electronic money account is to be charged from the multiple bank accounts.

[0127] Furthermore, the providing unit 43 provides a recommendation screen to the user who has completed inputting information on the application screen, which recommends the user to register a bank account to settle the payment in case the payment cannot be settled with the credit card account.

[0128] By performing any one or a combination of the above-described processes, the information processing device according to the present application can simplify the application for a credit card.

[0129] [6. Hardware Configuration] The information processing device 1 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 1 according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0130] The CPU 1100 operates and controls each unit based on a program stored in the ROM 1300 or the HDD 1400. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, programs that depend on the hardware of the computer 1000, and the like.

[0131] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a network (communication network) N and sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to other devices via the network N.

[0132] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 9, the output devices and the input devices are collectively referred to as "input / output devices") via an input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input / output interface 1600.

[0133] The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0134] For example, when the computer 1000 functions as the information processing device 1 according to the embodiment, the CPU 1100 of the computer 1000 executes programs loaded onto the RAM 1200 to realize the functions of the control unit 4. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

[0135] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0136] [7. Other] Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0137] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0138] Furthermore, the above-described embodiments and modifications can be appropriately combined as long as the processing contents are not contradictory.

[0139] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit", etc. For example, an acquisition section can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0140] 1. Information processing device 2. Communications Department 3 Storage section 4. Control Unit 5. Communications Department 6 Memory section 7 Control section 41 Reception 42 Acquisition Department 43 Providing Department 44 Settlement Processing Section 45 Request part 61 User information storage unit 62 Usage information storage unit 71 Acquisition Department 72 Payment Processing Unit 73 Management Department 74 Setting section 100 user terminals 200 Payment Server U User

Claims

1. a reception unit that receives credit card applications from users; a providing unit that provides the user with a screen for applying for the credit card accepted by the accepting unit; Equipped with The providing unit is Bank account information registered by the user in order to use another service is obtained from the other service and displayed on the application screen.

23. An information processing apparatus comprising:

2. The providing unit is The bank account information registered in the electronic money account used for the other service is displayed on the application screen and provided.

2. The information processing apparatus according to claim 1,

3. The electronic money account is It can be used as a settlement account for the credit card, The providing unit is Displaying and providing information on the bank account from which the electronic money account will be charged on the application screen 3. The information processing apparatus according to claim 2,

4. The providing unit is Displaying and providing information on the bank account from which the electronic money account will be charged on the application screen to users who have already registered the bank account in the other service 4. The information processing apparatus according to claim 3,

5. The providing unit is Displaying and providing the bank account information on the application screen to users who wish to use the electronic money account as a settlement account for the credit card.

4. The information processing apparatus according to claim 3,

6. 1. A computer-implemented information processing method, comprising: an acceptance step of accepting a credit card application from a user; a providing step of providing the user with the credit card application screen accepted by the accepting step; Including, The providing step comprises: Bank account information registered by the user in order to use another service is obtained from the other service and displayed on the application screen.

23. An information processing method comprising:

7. An acceptance procedure for accepting a credit card application from a user; a providing step of providing the user with the credit card application screen accepted by the accepting step; Run the following on your computer: The providing step comprises: Bank account information registered by the user in order to use another service is obtained from the other service and displayed on the application screen.

23. An information processing program comprising:

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