Information processing device, information processing method, and information processing program

Abstract

To allow a contractor of a credit card to smoothly register use of a service using a family card which can be issued to a family member, the service being available under the condition of using a credit card.SOLUTION: An information processing device includes a reception unit 131, a registration unit 132, an identification processing unit 133, and a use registration processing unit 134. The identification processing unit 133 performs, in a procedure for registering use of a predetermined service by a second user, identification processing using a telephone number associated with a predetermined identification number which is preliminarily assigned to a family card to identify the family card. If the identification processing for the second user has succeeded, the use registration processing unit 134 registers, in a storage unit, information indicating that the use registration of the predetermined service is complete.SELECTED DRAWING: Figure 5

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] Traditionally, cashless payment methods have been widely recognized by consumers, mainly in commercial transactions between companies and individuals. In particular, electronic payment services that are conducted online using personal user devices such as smartphones have become widely accepted among consumers due to their convenience.

[0003] In addition, for example, with regard to post-payment cashless payments such as credit cards, technologies have been proposed that provide a system that makes it easy for users to pay while also achieving both customer satisfaction and improved collection rates. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2011-108221 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, in the above-mentioned conventional technology, there is room for improvement in smoothly registering for services that are available only on the condition that a credit card is used, using a family card that a credit card holder applies for to allow his / her family members to use the service.

[0006] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can smoothly proceed with registration for services that are available on the condition that a credit card is used, using a family card that a credit card holder applies for to allow his / her family members to use the service. [Means for solving the problem]

[0007] The information processing device according to the present application includes a reception unit, a registration unit, an identity verification processing unit, and a usage registration processing unit. The reception unit receives, from a first user who uses an electronic payment service, settings of application information for a family card including a telephone number assigned to a terminal device used by a second user who is a family member of the first user, in an application procedure for a family card that is linked to a credit card in the first user's name and is a credit card for which a usage fee is charged to the first user. The registration unit registers, in a storage unit, the application information and a predetermined identification number assigned in advance to a family card to be issued to the second user, in association with information on the credit card owned by the first user. The identity verification processing unit executes identity verification processing using a telephone number associated with a predetermined identification number assigned in advance to the family card in order to identify the family card, in a usage registration procedure for a predetermined service by the second user. When the second user succeeds in identity verification processing, the usage registration processing unit registers, in the storage unit, information indicating that usage registration for the predetermined service has been completed. Effect of the Invention

[0008] According to one aspect of the embodiment, in a service that is available on the condition that a credit card is used, it is possible to smoothly register for the service using a family card that a credit card holder applies for to allow his / her family members to use the service. [Brief description of the drawings]

[0009] [Figure 1]FIG. 1 is a diagram for explaining an overview of information processing according to the embodiment. [Diagram 2] FIG. 2 is a diagram showing an example of screen transitions displayed on a user terminal when applying for a family card according to the embodiment. [Diagram 3] FIG. 3 is a diagram showing an example of screen transition displayed on a user terminal when registering for use of a service according to an embodiment. [Figure 4] FIG. 4 is a diagram showing an example of a screen transition displayed on a user terminal when a telephone number is subsequently registered for use according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of application information stored in the application information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of family card information stored in the family card information storage unit according to the embodiment. [Figure 8] FIG. 8 is a flowchart illustrating an example of a processing procedure of information processing executed by the information processing device according to the embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing device according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0011] 1. Embodiment (1-1. System Configuration) Hereinafter, the information processing according to the embodiment will be specifically described. First, before describing the information processing according to the embodiment, an example of the configuration of the information processing system SYS will be described with reference to FIG.

[0012] As shown in Fig. 1, the information processing system SYS according to the embodiment includes a user terminal 10 and an information processing device 100. The user terminal 10 and the information processing device 100 are connected to a network N (see Fig. 5, for example) by wire or wirelessly. The user terminal 10 and the information processing device 100 can communicate with other devices via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

[0013] The user terminal 10 shown in FIG. 1 is an information processing terminal. For example, the user terminal 10A shown in FIG. 1 is used by a user U1-1. For example, the user terminal 10B shown in FIG. 1 is used by a user U1-2. In the following description, when there is no need to distinguish between the user U1-1 and the user U1-2, they will be collectively referred to as "user U1". In addition, in the following description, when there is no need to distinguish between the user terminal 10A and the user terminal 10B, they will be collectively referred to as "user terminal 10". The user terminal 10 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 10 displays information distributed by the information processing device 100 by a web browser or an application. Note that FIG. 1 illustrates an example in which the user terminal 10 is a smartphone.

[0014] The information processing device 100 shown in FIG. 1 is an information processing device operated and managed by a payment business operator U2 that provides a credit card service, which is a post-payment cashless payment service using a credit card. The payment business operator U2 issues, for example, a credit card, which is a physical card, to a service user (for example, user U1 shown in FIG. 1) who uses the cashless payment service, and manages the credit card information in association with user information registered by the service user. The information processing device 100 may be realized by a mainframe, a workstation, or the like. In addition, when the information processing device 100 is configured as a server device, it may be realized by a single or multiple server devices, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0015] An application program for end users (hereinafter, appropriately referred to as a "payment application") for using code payment (also referred to as "smartphone payment") by an electronic payment service provided by a specified business operator as one of the cashless payment methods is installed in the above-mentioned user terminal 10. When the user terminal 10 receives control information for realizing a specified information processing through the payment application from a server device or the like operated and managed by the specified business operator, the user terminal 10 realizes the information processing according to the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that a specified application itself distributed from a server device or the like operated and managed by the specified business operator may be regarded as the control information.

[0016] The payment application has various functions related to payment by code payment and additional functions related to electronic payment services. The additional functions include a function to check transaction history, a function to search for nearby stores, and a function to manage user accounts. An electronic payment service can be said to be a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment. The payment application also includes an application program for end users as a mini-app for providing user U1 with a function to execute various information processing related to credit card services between the information processing device 100 and the payment application.

[0017] Furthermore, electronic payment services offer multiple payment methods that can be selected by each service user (for example, user U1 shown in Figure 1) when using code payment, such as "balance payment," "deferred payment," and "credit card payment." "Deferred payment" and "credit card payment" are deferred payment methods that can be selected when using code payment to pay for the item of a transaction.

[0018] The "deferred payment" and "credit card payment" may be available when a service user of the electronic payment service has completed registration for the credit card service provided by the payment business operator U2. That is, the service user may be able to select "deferred payment" and "credit card payment" on the condition that the service user uses a credit card issued by the payment business operator U2. In this case, the server device managed by the specified business operator and the information processing device 100 operated by the payment business operator U2 cooperate with each other to realize the payment process when the service user selects "deferred payment" or "credit card payment". For example, the specified business operator and the payment business operator U2 may link information about each other's customers by ID cooperation or the like when collaborating in business. The information about each other's customers may include identification information for identifying each service user in each service and information about bank accounts used for settling various charges. In addition, for example, the specified business operator and the payment business operator U2 may manage common identification information between the businesses as information for identifying the same customer. In addition, the specified business operator and the payment business operator U2 may mutually manage at least one of identification information for identifying a service user in the electronic payment service and identification information for identifying a service user in the credit card service. When authenticating the identity of a service user associated with the identification information, the information processing device 100 may execute an identity verification procedure using a method such as eKYC (electronic Know Your Customer). In the following description, "deferred payment" and "post-payment" are synonymous and are merely phrased for convenience of description.

[0019] For example, when "balance payment" is selected in the transaction information obtained from a service user, an electronic payment service (i.e., a server device managed by a specified business operator) instantly settles the price of the transaction by transferring an amount of electronic money equivalent to the price of the transaction from the money balance, which is the balance of electronic money held by the service user, to the payment destination account.

[0020] Also, for example, when "credit card payment" is selected in the transaction information obtained from the service user, the electronic payment service transfers electronic money in an amount equivalent to the price of the transaction to the payment destination account and bills the credit card service for the payment amount equivalent to the price of the transaction. The payment business operator U2 pays the billed amount in response to a bill from the specified business operator. The payment business operator U2 also collects the credit card usage fee by debiting the bank account registered by the service user as the account for debiting the credit card usage fee on a specified date.

[0021] Also, for example, when "deferred payment" is selected in the transaction information acquired from the service user, the electronic payment service advances the price of the transaction and settles it at a later date. In this case, the electronic payment service advances the price of the transaction by transferring electronic money from the advance payment account to an electronic money account (account where the balance of electronic money is managed) held by the store where the payment is made, or by electronically transferring cash in an amount equivalent to the price of the transaction to a bank account held by the store where the payment is made. The electronic payment service also bills the credit card service for a settlement amount equivalent to the price of the "deferred payment". Note that, when the service user has registered a bank account to be used as an account for debiting the price of the "deferred payment", the electronic payment service may collect the price of the "deferred payment" by debiting the registered bank account on a specified date.

[0022] Furthermore, when "deferred payment" is selected in the transaction information acquired from the service user, the electronic payment service may pass the transaction information as is to the credit card service side (i.e., information processing device 100) without paying the price of the transaction on behalf of the service user. In this case, the credit card service will pay the price of the transaction on behalf of the service user and collect it from the service user at a later date.

[0023] When the information processing device 100 receives billing information related to "credit card payment" from an electronic payment service (i.e., a server device managed by a specified business operator), it executes a payment process to pay the billed amount to the specified business operator. Furthermore, the information processing device 100 manages the service user who registers the credit card issued by the service operator UC as a payment method in an identifiable state when registering for the use of "credit card payment" in the electronic payment service. For example, the credit card server 200 manages the user ID corresponding to the service user in association with the customer information of the cashless payment service operated by the service operator UC. Then, the credit card server 200 bills the service user who used "credit card payment" in the electronic payment service for the usage fee of "credit card payment" in the electronic payment service based on the bill received from the information processing device 100. Furthermore, the credit card server 200 collects the credit card usage fee by debiting the bank account registered by the service user as an account for debiting the credit card usage fee on a specified date.

[0024] Furthermore, the information processing device 100 may execute a process of deducting the usage fee for "deferred payment" in the electronic payment service together with the usage fee for "credit card payment." For example, when the information processing device 100 acquires billing information related to the usage fee for "deferred payment" from the electronic payment service, the information processing device 100 deducts the usage fee for "credit card payment" and the usage fee for "deferred payment" together from a debit account based on the usage fee for "deferred payment" included in the acquired billing information.

[0025] (1-2. Information Processing According to the Embodiment) Hereinafter, an overview of information processing according to an embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram for explaining an overview of information processing according to an embodiment. In the following description, a user U1 of a user terminal 10 may be regarded as the same as the user terminal 10. In other words, the user U1 may be read as the user terminal 10.

[0026] The above-mentioned electronic payment services include, for example, "credit card payment" and "deferred payment" services that can be used on the condition that a credit card provided by the credit card service is used. In this case, a user of the electronic payment service may consider applying for a family card that is linked to the credit card under contract with the credit card service, with the aim of allowing family members to use the "credit card payment" or "deferred payment" services. In such cases, the payment service provider U2 is required to smoothly register users for the "credit card payment" or "deferred payment" services using the family card.

[0027] The information processing according to the embodiment described below is divided into a first stage processing related to the issuance procedure of a family card and a second stage processing related to the registration procedure for the service by a user linked to the family card. Below, an example of the first stage processing when user U1-1, who is a service user of an electronic payment service, issues a family card for user U1-2, who is a family member and also a service user of an electronic payment service, and an example of the second stage processing when user U1-2 linked to the family card registers for the use of a service such as "credit card payment" or "deferred payment" will be described. The family card is a credit card for which the usage fee is charged to user U1-1, and if the credit card owned by user U1-1 and in his / her own name is considered to be the primary card, the family card is a secondary card that has a master-slave relationship with the primary card. In other words, the usage fee of the family card is charged to the credit card of user U1-1, who requested the issuance of the family card.

[0028] User U1-1 shown in Fig. 1 operates user terminal 10A to launch a mini-app (hereinafter "card app"), which is an application program installed in a payment app and provides user U1-1 with functions for executing various information processes related to a credit card service linked to an electronic payment service. User U1-1 then displays a screen for applying for a family card and inputs the necessary information for the family card application. User U1-1 inputs the necessary information including the phone number assigned to user terminal 10B used by user U1-2.

[0029] 1 transmits family card application information, in which necessary items related to the application for a family card are set, to the information processing device 100 through a card app in accordance with an operation by user U1-1 (step S01). For example, user terminal 10A accepts, from user U1-1, setting of at least a telephone number assigned to user terminal 10B used by user U1-2 who will be issuing the family card, as necessary items related to the application for a family card. Then, user terminal 10A transmits family card application information, including at least a telephone number assigned to user terminal 10B used by user U1-2 who will be issuing the family card, to the information processing device 100 in accordance with an operation by user U1-1.

[0030] When the information processing device 100 shown in FIG. 1 receives family card application information from the user terminal 10A, it registers it as family card information (step S02). For example, the information processing device 100 registers the family card application information and an "inquiry number" that is assigned in advance to the family card to be issued to the user U1-2 in association with the information of the credit card for which the user U1-1 is the contract holder. Note that the information processing device 100 may issue the aforementioned "inquiry number" upon completion of the examination and register it in association with the information of the contract holder's credit card. Then, the information processing device 100 transmits an application completion notification to the user terminal 10A to notify the user U1-1 that the application has been completed (step S03). When the family card arrives, the user U1-1 hands it over to the user U1-2.

[0031] Upon receiving the family card, user U1-2 operates user terminal 10B to launch the card application. User U1-2 then displays a screen for registering to use the "credit card payment" and "deferred payment" services, and inputs the "inquiry number" printed on the family card. The "inquiry number" is a predetermined identification number that is assigned in advance to the family card in order to identify the family card. Note that the "inquiry number" may be any identification information unique to each family card that can identify the family card, and may be, for example, information similar to a conventional card number printed on the face of the card.

[0032] The user terminal 10B shown in FIG. 1 transmits the "inquiry number" input by the user U1-2 to the information processing device 100 via the card application in accordance with the operation by the user U1-2 (step S11).

[0033] When the information processing device 100 shown in FIG. 1 receives the "inquiry number" from the user terminal 10B, it executes identity verification processing using the telephone number associated with the "inquiry number" (step S12). For example, the information processing device 100 acquires the telephone number associated with the "inquiry number" from the family card information, and sends an SMS containing a predetermined authentication code to the acquired telephone number. Then, when the information processing device 100 receives the authentication code described in the SMS (Short Message Service) from the user terminal 10B via the card application, it determines that identity verification has been successful.

[0034] Furthermore, when the identity verification process is successful, the information processing device 100 executes a usage registration process to register information indicating that the usage registration for "credit card payment" or "deferred payment" has been completed (step S13). When the usage registration is completed, the service is activated so that the user U1-2 can select "credit card payment" or "deferred payment" as a payment method for the usage fee of the transaction object settled by code payment. After this activation process, the information processing device 100 links information for identifying the user of the family card and information for identifying the contract holder of the credit card linked to the family card to the electronic payment service side (i.e., the business providing the electronic payment service). Note that the information for identifying the user of the family card and the information for identifying the contract holder of the credit card may be a user ID, which is unique identification information assigned individually to each service user in order to uniquely identify the service user (for example, user U1-1 shown in FIG. 1) in the electronic payment service, or may be an "inquiry number" in the case of a user of a family card, or may be a credit card number in the case of a contract holder.

[0035] Then, the information processing device 100 transmits a usage registration completion notification to the user terminal 10B to notify the user U1-2 that usage registration for the "credit card payment" and "deferred payment" services has been completed (step S14).

[0036] As described above, the information processing device 100 according to the embodiment can instantly issue a family card linked to the subscriber card of user U1-1 upon request of user U1-1, and can smoothly proceed with registration for services using the family card through a simple identity verification procedure.

[0037] (1-3. Screen Transition Examples According to the Embodiment) (1-3-1. Screen transition example when applying for a family card) An example of screen transitions displayed on the user terminal 10A when applying for a family card according to the embodiment will be described below with reference to Fig. 2. Fig. 2 is a diagram showing an example of screen transitions displayed on the user terminal when applying for a family card according to the embodiment. Each screen illustrated in Fig. 2 is displayed on the user terminal 10A by cooperation between the card app and the information processing device 100.

[0038] Display example EX1-1 shown in Fig. 2 is an example of a management screen G1-1 for managing "credit card payment" and "deferred payment" services. The management screen G1-1 is displayed on the user terminal 10A in accordance with operations by the user U1-1. The management screen G1-1 is provided with an operation area A-1 for accepting applications for a family card.

[0039] A display example EX1-2 shown in FIG. 2 is an example of an application screen G1-2 displayed on the user terminal 10A when the operation area A-1 provided on the management screen G1-1 is operated by the user U1-1. The application screen G1-2 is provided with a necessary item input area A-2 for necessary items required for the application of a family card, and a terms agreement button B-1 for agreeing to the terms of use of the family card and proceeding to the next procedure. The necessary item input area A-2 includes an area for the user U1-1 to input the telephone number assigned to the user terminal 10B used by the user U1-2 in the application procedure for the family card. The terms agreement button B-1 may be controlled so that the operation is enabled when the input of the necessary items is completed, or may be controlled so that a pop-up requesting the input of the necessary items is displayed when the necessary items are operated in a state in which the input of the necessary items is not completed.

[0040] 2 is an example of an application screen G1-3 displayed on the user terminal 10A when the user U1-1 operates the terms and conditions agreement button B-1 provided on the application screen G1-2. The application screen G1-3 is provided with an application button B-2 for finalizing the application and uploading the family card application information to the information processing device 100.

[0041] Display example EX1-4 shown in Fig. 2 is an example of an application completion screen G1-4 displayed on the user terminal 10A when the application button B-2 provided on the application screen G1-3 is operated by the user U1-1. For example, the application completion screen G1-4 displays a message that the application has been completed. When the information processing device 100 receives the family card application information through the application screen G1-3, it registers each piece of information included in the family card application information, an inquiry number which is a predetermined identification number assigned in advance to the family card issued to the user U1-2, and information on the credit card for which the user U1-1 is the contract holder in the storage unit 120 (see Fig. 5, for example).

[0042] (1-3-2. Screen transition example when registering for service) Hereinafter, a transition example of a screen displayed on the user terminal 10B when registering for use of the service according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of a transition of a screen displayed on the user terminal when registering for use of the service according to the embodiment.

[0043] Display example EX2-1 shown in Fig. 3 is an example of a top screen G2-1 of a payment application displayed on the user terminal 10B. The top screen G2-1 is provided with a smart icon OB-1 for launching a card application that provides various functions related to "credit card payment" and "deferred payment" services. By operating the smart icon OB-1, user U1-2 can display information associated with the smart icon OB-1 (for example, a number reception screen G2-3 shown in display example EX2-3 described later).

[0044] EX2-2 shown in Fig. 3 is an example of a two-dimensional code C that is included with a family card when it is shipped. The two-dimensional code C is provided to the subscriber of the family card for use in registering for "credit card payment" or "deferred payment" services. By reading the two-dimensional code C using the user terminal 10B, the user U1-2 can display information associated with the URL written in the two-dimensional code C (for example, the number reception screen G2-3 shown in display example EX2-3 described later).

[0045] A display example EX2-3 shown in FIG. 3 is an example of a number reception screen G2-3 for receiving an input of an "inquiry number" from the user U1-2, which is a predetermined identification number assigned in advance to a family card issued to the user U1-2 when registering for the use of a service such as "credit card payment" or "deferred payment". The number reception screen G2-3 is provided with a number input area A-3 for inputting the "inquiry number" and a start use button B-3 for starting the registration procedure for the use of a service such as "credit card payment" or "deferred payment". The start use button B-3 may be controlled so that the operation is enabled when the "inquiry number" is input, or may be controlled so that a pop-up requesting the input of the "inquiry number" is displayed when the start use button B-3 is operated without inputting the "inquiry number". In response to the operation of the start use button B-3 by the user U1-2, a determination based on the family card information is performed in the information processing device 100.

[0046] Display example EX2-4 shown in Fig. 3 is an example of a notification screen G2-4 that notifies user U1-2 that usage registration cannot be continued because the telephone number corresponding to the inquiry number is not registered. The notification screen G2-4 is displayed on user terminal 10B in accordance with the determination result of information processing device 100 when user U1-2 operates start usage button B-3. For example, when information processing device 100 determines that the telephone number associated with the "inquiry number" is not registered, notification screen G2-4 is provided to user U1-2 by being displayed on user terminal 10B based on screen control information transmitted to user terminal 10B via the card application.

[0047] If the telephone number associated with the inquiry number input by the user U1-2 in the family card information is not registered, the information processing device 100 may notify the user U1-1 of a request to register the telephone number.

[0048] A display example EX2-5 shown in FIG. 3 is an example of a code reception screen G2-5 for receiving an input of an authentication code from the user U1-2. When the start use button B-3 is operated by the user U1-2, the code reception screen G2-5 is displayed on the user terminal 10B according to the determination result of the information processing device 100. For example, when the information processing device 100 determines that the telephone number associated with the "inquiry number" has been registered, the code reception screen G2-5 is displayed on the user terminal 10B based on screen control information transmitted to the user terminal 10B through the card application, and is thereby provided to the user U1-2. In addition, the authentication code is provided to the user U1-2 by an SMS transmitted to the user terminal 10B in conjunction with the provision of the code reception screen G2-5. The SMS is transmitted to the telephone number associated with the "inquiry number" as the destination.

[0049] The code reception screen G2-5 is also provided with a code input area A-4 for inputting an authentication code, and a procedure button B-4 for proceeding with a procedure based on the authentication code. The procedure button B-4 may be controlled so that an operation is enabled when an authentication code is input, or may be controlled so that a pop-up requesting input of the authentication code is displayed when the procedure button B-4 is operated without inputting an authentication code. In response to an operation of the procedure button B-4 by the user U1-2, the information processing device 100 performs an identity verification process based on the authentication code.

[0050] 3 is an example of a confirmation screen G2-6 for prompting the user U1-2 to confirm the details of the application for the "credit card payment" or "deferred payment" service. The confirmation screen G2-6 is provided with a registration completion button B-5 for completing the registration for the "credit card payment" or "deferred payment" service.

[0051] In addition, for example, when the registration completion button B-5 is operated by user U1-2, the information processing device 100 may notify user U1-1, who is the contract holder of the primary credit card linked to the family card, that registration for user U1-2 to use the ``credit card payment'' and ``deferred payment'' services has been completed.

[0052] (1-3-3. Screen transition example when registering a phone number after the fact) The information processing device 100 may accept subsequent registration of a phone number for an already issued family card. An example of screen transition displayed on the user terminal 10A when a phone number is subsequently registered for use according to the embodiment will be described below with reference to Fig. 4. Fig. 4 is a diagram showing an example of screen transition displayed on the user terminal when a phone number is subsequently registered for use according to the embodiment.

[0053] Display example EX3-1 shown in Fig. 4 is an example of a top screen G3-1 of a payment application displayed on user terminal 10A. The top screen G3-1 is the same screen as the top screen G2-1 of display example EX2-1 shown in Fig. 3. User U1-1 can operate smart icon OB-1 to display information associated with smart icon OB-1 (for example, a service top screen G3-2 shown in display example EX3-2 described later).

[0054] The display example EX3-2 shown in FIG. 4 is an example of a service top screen G3-2 for the "credit card payment" or "deferred payment" service. The service top screen G3-2 is provided to a user U1-1 who has completed the registration for the "credit card payment" or "deferred payment" service in response to the operation of the smart icon OB-1 by the user U1-1. As described above, for a user U1-2 who has not completed the registration for the "credit card payment" or "deferred payment" service, a number reception screen G2-3 for receiving the input of an "inquiry number" when registering for the "credit card payment" or "deferred payment" service is provided in response to the operation of the smart icon OB-1. The service top screen G3-2 is provided with a management icon OB-2 for performing various procedures related to the "credit card payment" or "deferred payment" service.

[0055] Display example EX3-3 shown in FIG. 4 is an example of a management screen G3-3 for carrying out various procedures related to "credit card payment" and "deferred payment" services. The management screen G3-3 is provided to user U1-1 in response to user U1-1's operation of management icon OB-2. User U1-1 can display the management screen G3-3 by operating the above-mentioned management icon OB-2. The management screen G3-3 is provided with an operation area A-5 for displaying information related to the family card.

[0056] Display example EX3-4 shown in Fig. 4 is an example of a family card management screen G3-4 that displays information about family cards. The family card management screen G3-4 is provided to user U1-1 in response to user U1-1's operation in operation area A-5. The family card management screen G3-4 individually displays information about the family cards with which user U1-1 has contracts.

[0057] A display example EX3-5 shown in Fig. 4 is an example of a family card setting screen G3-5 for accepting settings for individual family cards. The family card setting screen G3-5 is provided to the user U1-1 in response to the user U1-1's operation on the display area A-6 provided on the above-mentioned family card management screen G3-4 as a display area for displaying one piece of family card information. The family card setting screen G3-5 is configured to be able to accept registration of the phone number of the user terminal 10B used by the user U1-2 who will be the holder of the family card.

[0058] After the family card is issued, the information processing device 100 may prohibit changes to the telephone number included in the family card information until the registration for the use of the "credit card payment" or "deferred payment" services is completed.

[0059] 2. Configuration of Information Processing Device Hereinafter, an example of a functional configuration of the information processing device 100 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of a configuration of the information processing device 100 according to the embodiment. As shown in Fig. 5, the information processing device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

[0060] (Regarding communication unit 110) The communication unit 110 is realized by, for example, a network interface card (NIC) etc. The communication unit 110 is connected to a network N by wire or wirelessly, and transmits and receives information to and from other devices such as the user terminal 10.

[0061] (Regarding the storage unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 120 has an application information storage unit 121 and a family card information storage unit 122.

[0062] (Regarding the application information storage unit 121) The application information storage unit 121 stores application information related to an application for a family card. Fig. 6 is a diagram showing an example of application information stored in the application information storage unit 121 according to the embodiment.

[0063] 6, the application information stored in the application information storage unit 121 has multiple items such as an "application date and time", an "applicant ID", an "identification number", an "name / katakana", a "family card name", a "telephone number", an "inquiry number", etc. These items in the application information are mutually associated.

[0064] The "application date and time" field stores information indicating the date and time of application for a family card. The "applicant ID" field stores, for example, a user ID, which is unique identification information assigned to each service user of an electronic payment service (such as user U1-1 shown in FIG. 1) in order to uniquely identify the service user.

[0065] The "PIN" field stores information indicating the PIN set as the PIN for the family card when applying for a family card. The "Name / Kana" field stores information indicating the name of the user who will use the family card, which is set when applying for a family card. The "Family Card Name" field stores information indicating the name of the family card, which is set when applying for a family card. The "Telephone Number" field stores information indicating the telephone number set when applying for a family card. This telephone number corresponds to the telephone number of the user terminal 10 used by the user who will use the family card.

[0066] The "Inquiry Number" field stores information indicating a specific identification number that is assigned to the family card in advance. This specific identification number is used for identity verification processing when registering to use the "credit card payment" or "deferred payment" payment services.

[0067] (Family card information storage unit 122) The family card information storage unit 122 stores the family card information. Fig. 7 is a diagram showing an example of the family card information stored in the family card information storage unit 122 according to the embodiment.

[0068] 7, the family card information stored in the family card information storage unit 122 has multiple items such as a "contractor ID," a "contractor name," a "contractor card number," a "transfer bank account," a "family card inquiry number," an "associated service ID," a "PIN," a "family card name," and an "usage registration status." These items in the family card information are associated with each other.

[0069] The "contractor ID" field stores identification information for identifying the contract holder of the primary credit card linked to the family card. For example, the contract holder ID stores a user ID, which is unique identification information assigned individually to each service user of an electronic payment service (such as user U1-1 shown in FIG. 1) to uniquely identify the service user. The "contract holder name" field stores information indicating the name of the primary credit card linked to the family card. The "contract holder card number" field stores information indicating the card number of the primary credit card linked to the family card. The "transfer bank account" field stores information indicating a bank account for paying charges for the primary credit card linked to the family card by direct debit.

[0070] The "family card inquiry number" field stores information indicating a predetermined identification number that is assigned to the family card in advance. The "associated service ID" field stores a user ID, which is unique identification information individually assigned to each service user of the electronic payment service to uniquely identify the service user (such as user U1-2 shown in FIG. 1) who will be the user of the family card. The "PIN" field stores information indicating the PIN that is set when applying for the family card as the PIN for the family card. The "family card name" information stores information indicating the name of the family card that is set when applying for the family card.

[0071] The "Registration Status" field stores information indicating the registration status for the "credit card payment" or "deferred payment" payment services. When "Completed" is stored in the "Registration Status" field, it indicates that registration for the "credit card payment" or "deferred payment" payment services has been completed. This indicates that the user who is the account holder of the family card is able to use the "credit card payment" or "deferred payment" payment services. When "Waiting for registration" is stored in the "Registration Status" field, it indicates that registration for the "credit card payment" or "deferred payment" payment services has not been completed. This indicates that the user who is the account holder of the family card is unable to use the "credit card payment" or "deferred payment" payment services.

[0072] (Regarding the control unit 130) The control unit 130 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 100 using a RAM as a working area. The control unit 130 can also be realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0073] 5, the control unit 130 has a reception unit 131, a registration unit 132, an identity verification processing unit 133, and a usage registration processing unit 134, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may have new functional units different from the units shown in FIG. 5 in response to the extension of various processes executed by the information processing device 100.

[0074] (Regarding the reception unit 131) The reception unit 131 receives settings of application information for a family card from user U1-1 (an example of a "first user") shown in FIG. 1, including a telephone number assigned to user terminal 10B (an example of a "terminal device") used by user U1-2 (an example of a "second user"), in an application procedure for a family card that is linked to a credit card in the user's own name that the user U1-1 (an example of a "first user") owns. The application information includes a telephone number assigned to user terminal 10B (an example of a "terminal device") used by user U1-2 (an example of a "second user").

[0075] (Regarding the registration unit 132) The registration unit 132 associates the application information accepted by the acceptance unit 131 with an inquiry number (an example of a "predetermined identification number") pre-assigned to the family card to be issued to user U1-2 (an example of a "second user"), and information on the credit card for which user U1-1 (an example of a "first user") is the contract holder, and registers the information in the family card information storage unit 122.

[0076] Furthermore, after issuing the family card, the registration unit 132 may prohibit changes to the telephone number included in the family card information until the usage registration processing unit 134 completes usage registration.

[0077] (Regarding the identity verification processing unit 133) During the registration process for user U1-2 (an example of a "second user") to use a "credit card payment" or "deferred payment" settlement service (an example of a "deferred payment method"), when user U1-2 (an example of a "second user") enters an inquiry number (an example of a "predetermined identification number") that is pre-assigned to the family card to identify the family card, the identity verification processing unit 133 obtains the telephone number associated with the predetermined identification number from the family card information and performs identity verification processing using the obtained telephone number.

[0078] In addition, if the telephone number corresponding to the inquiry number entered by user U1-2 is not registered in the family card information, the identity verification processing unit 133 may notify user U1-2 that registration cannot be continued because the telephone number is not registered.

[0079] Furthermore, if the telephone number associated with the inquiry number entered by the user U1-2 in the family card information is not registered, the identity verification processing unit 133 may notify the user U1-1 of a request to register the telephone number.

[0080] (Regarding the usage registration processing unit 134) If user U1-2 (an example of a "second user") succeeds in the identity verification process, the usage registration processing unit 134 registers information in the family card information storage unit 122 that the usage registration of the family card to be issued to user U1-2 has been completed.

[0081] Furthermore, the usage registration processing unit 134 may notify user U1-1, who is the contract holder of the main credit card linked to the family card, that the usage registration of the family card for user U1-2 has been completed.

[0082] [3. Example of processing procedure] Hereinafter, a flow of information processing executed by the information processing device 100 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing an example of a processing procedure of information processing executed by the information processing device 100 according to the embodiment. Note that the processing procedure shown in Fig. 8 is executed by the control unit 130 included in the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 8 while the information processing device 100 is operating.

[0083] As shown in FIG. 8, the identity verification processing unit 133 determines whether or not an inquiry number has been received (step S101).

[0084] When it is determined that an inquiry number has been received (step S101; Yes), the personal identification processing unit 133 refers to the family card information and determines whether or not a telephone number corresponding to the inquiry number is registered (step S102).

[0085] If the identity verification processing unit 133 determines that a telephone number corresponding to the inquiry number is registered (step S102; Yes), it sends an SMS including an authentication code to the telephone number corresponding to the inquiry number as the destination (step S103).

[0086] Furthermore, the identity verification processing unit 133 determines whether the identity verification process has been successful (step S104).

[0087] If the identity verification processing unit 133 determines that the identity verification process is successful (step S104; Yes), it registers that the registration for use of the family card to be issued to the target user who sent the inquiry number has been completed (step S105), and terminates the processing procedure shown in Figure 8.

[0088] On the other hand, if the identity verification processing unit 133 determines that the identity verification process has failed (step S104; No), it notifies the target user who sent the inquiry number that the identity verification has failed (step S106), and terminates the processing procedure shown in Figure 8.

[0089] In the above-mentioned step S102, if the identity verification processing unit 133 determines that a telephone number corresponding to the inquiry number is not registered (step S102; No), it notifies the target user who sent the inquiry number that a telephone number is not registered, i.e., that the user cannot continue with the registration because the telephone number corresponding to the inquiry number is not registered (step S107), and terminates the processing procedure shown in FIG. 8.

[0090] 4. Modifications (4-1.Registration using phone number) In the above embodiment, the information processing device 100 has been described as an example of information processing for smoothly proceeding with the registration procedure for "credit card payment" or "deferred payment" using a family card. However, the information processing according to the embodiment may be similarly applied to the registration of other services that require the use of a family card. For example, the other services may include a payment service that is linked to the electronic payment service and provides a user with a plurality of selective payment methods. For example, a smart icon for registering the use of other services linked to the electronic payment service is provided on the top screen of the payment application (for example, the top screen G2-1 shown in FIG. 2). In addition, the user U1-1 applies for a family card for the user U1-2 from the smart icon, and registers the telephone number of the user terminal 10B used by the user U1-2. Then, when the identity verification processing unit 133 accepts an operation of the smart icon from the user U1-2, it executes identity verification processing of the user U1-2 using the telephone number previously registered in association with the other service. If the user U1-2 has been successfully identified, the usage registration processing unit 134 registers information indicating that the user U1-2 has completed registration for other services.

[0091] (4-2. System configuration) In the above embodiment, an example has been described in which the information processing system SYS according to the embodiment is configured to include the information processing device 100, but the information processing device 100 does not need to be particularly limited to such an example. For example, the information processing device 100 may be a single server in which an information processing device that executes the information processing according to the embodiment and an information processing device that executes payment processing related to an electronic payment service are functionally or physically integrated.

[0092] In addition, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, 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.

[0093] 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.

[0094] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0095] 5. Effects As described above, the information processing device 100 according to the embodiment is an information processing device that executes a process related to registration for use of a predetermined service that requires the use of a credit card, and includes a reception unit 131, a registration unit 132, an identity verification processing unit 133, and a registration processing unit 134. The reception unit 131 receives, from the first user, settings of application information for a family card including a telephone number assigned to a terminal device used by a second user who is a family member of the first user, in an application procedure for a family card that is linked to a credit card in the first user's name and is a credit card for which a usage fee is charged to a first user who uses an electronic payment service. The registration unit 132 registers, in a storage unit, the application information received by the reception unit and a predetermined identification number that is assigned in advance to a family card to be issued to the second user, in association with information on the credit card owned by the first user. The identity verification processing unit 133 executes identity verification processing using a telephone number associated with a predetermined identification number that is assigned in advance to a family card to identify the family card in a registration procedure for use of a predetermined service by the second user. If the second user has succeeded in the identity verification process, the usage registration processing unit 134 registers information to the effect that usage registration for the predetermined service has been completed in the storage unit.

[0096] In this way, the information processing device 100 of the embodiment can instantly issue a family card linked to the subscriber card of user U1-1 in response to a request from user U1-1, and smoothly proceed with registration for use of specified services using the family card (for example, "credit card payment" or "deferred payment" services) through a simple identity verification procedure.

[0097] In addition, if the telephone number corresponding to the specified identification number input by the second user is not registered, the identity verification processing unit 133 may notify the second user that the user registration cannot be continued because the telephone number is not registered.

[0098] Furthermore, if the telephone number associated with the predetermined identification number input by the second user is not registered, the identity verification processing unit 133 may notify the first user of a request to register the telephone number.

[0099] Furthermore, after issuing the family card, the registration unit 132 may prohibit changes to the telephone number until the usage registration processing unit 134 completes usage registration.

[0100] In this way, the information processing device 100 according to the embodiment can assist the user in smoothly completing the family card registration procedure by performing the processes performed by each of the above-mentioned units, or any combination of the processes performed by each unit.

[0101] The usage registration processing unit 134 may also notify the first user, who is the credit card contract holder, that the usage registration for the second user has been completed. This allows the information processing device 100 according to the embodiment to know in advance that a usage fee using the family card will be charged as a charge to the credit card linked to the family card.

[0102] [6. Hardware Configuration] Moreover, the information processing device 100 according to the above-described embodiment or modification is realized, for example, 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 100 according to the embodiment or modification.

[0103] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090.

[0104] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050 and programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, etc.

[0105] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), a registered trademark. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0106] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0107] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0108] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0109] For example, when the computer 1000 functions as the information processing device 100 according to the embodiment or the modification, the arithmetic device 1030 of the computer 1000 executes a program (e.g., an information processing program) loaded onto the primary storage device 1040, thereby realizing a function similar to that of the control unit 130. That is, the arithmetic device 1030 cooperates with the program (e.g., an information processing program) loaded onto the primary storage device 1040 to realize the processing by the information processing device 100 according to the embodiment or the modification.

[0110] [7. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0111] Further, the information processing device 100 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing to realize some functions.

[0112] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, a control unit may be read as control means or a control circuit. [Explanation of symbols]

[0113] SYS Information Processing System 10 User terminal 100 Information processing device 110 Communications Department 120 Storage section 121 Application information storage unit 122 Family card information storage unit 130 Control section 131 Reception 132 Registration Department 133 Personal Identification Processing Unit 134 User registration processing unit

Claims

1. An information processing device that executes a process for registering for use of a predetermined service that requires the use of a credit card in an electronic payment service, a reception unit that receives, from a first user, application information for a family card that is linked to a credit card in the first user's name and that is used to bill a first user who uses the electronic payment service, the settings of application information for the family card, including a telephone number assigned to a terminal device used by a second user who is a family member of the first user, in an application procedure for the family card; a registration unit that registers the application information and a predetermined identification number that is pre-assigned to the family card to be issued to the second user in a storage unit in association with information on the credit card owned by the first user; an identity verification processing unit that performs identity verification processing using the telephone number associated with a predetermined identification number that is pre-assigned to the family card in order to identify the family card during a registration procedure for use of the predetermined service by the second user; a usage registration processing unit that registers information indicating that the usage registration for the predetermined service has been completed in a storage unit when the second user has succeeded in the identity verification processing; 13. An information processing device comprising:

2. The identity verification processing unit is If the telephone number corresponding to the predetermined identification number input by the second user is not registered, the second user is notified that the registration cannot be continued because the telephone number is not registered.

2. The information processing apparatus according to claim 1,

3. The identity verification processing unit is If the telephone number associated with the predetermined identification number input by the second user is not registered, notify the first user of a registration request for the telephone number.

2. The information processing apparatus according to claim 1,

4. The registration unit is After the family card is issued, the telephone number is prohibited from being changed until the usage registration is completed by the usage registration processing unit.

2. The information processing apparatus according to claim 1,

5. The usage registration processing unit: Notifying the first user, who is a contract holder of the credit card, that the registration of the second user has been completed.

2. The information processing apparatus according to claim 1,

6. 1. An information processing method performed by a computer that executes a process related to registration for use of a predetermined service that requires the use of a credit card in an electronic payment service, comprising: a receiving step of receiving application information for the family card, the application information including a telephone number assigned to a terminal device used by a second user who is a family member of the first user, from the first user in an application procedure for the family card, the family card being linked to a credit card in the first user's name that is owned by the first user and for which a usage fee is charged; a registration step of registering the application information and a predetermined identification number that is pre-assigned to the family card to be issued to the second user in a storage unit in association with information on the credit card owned by the first user; an identity verification process step of performing identity verification processing by using the telephone number associated with a predetermined identification number that is assigned in advance to the family card in order to identify the family card during a registration procedure for use of the predetermined service by the second user; a registration process step of registering information indicating that the second user has completed the registration for the specified service in a storage unit when the second user has successfully completed the identity verification process; 13. An information processing method comprising:

7. A computer that executes a process for registering for a specific service that requires the use of a credit card in an electronic payment service, a reception step of receiving, from a first user, application information for a family card that is linked to a credit card in the first user's name and that is used to charge a usage fee to a first user who uses the electronic payment service, the setting of application information for the family card, including a telephone number assigned to a terminal device used by a second user who is a family member of the first user; a registration step of registering the application information and a predetermined identification number that is pre-assigned to the family card to be issued to the second user in a storage unit in association with information on the credit card owned by the first user; an identity verification process for performing identity verification processing by using the telephone number associated with a predetermined identification number that is assigned in advance to the family card in a registration procedure for use of the predetermined service by the second user; and a registration process step of registering information indicating that the second user has completed the registration for the specified service in a storage unit when the second user has successfully completed the identity verification process; An information processing program characterized by causing the program to execute the above steps.

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