Method

Abstract

To improve a technology of a settlement application.SOLUTION: A terminal device 10 for storing an application program transmits an application for use of deferred settlement means. Next, the terminal device 10 registers the deferred settlement means issued in accordance with the application for use in a corresponding application program as one of first settlement means available to electronic settlement. Then, when prepaid settlement means is registered in the application program as one of the first settlement means, the terminal device 10 automatically registers, in the application program, the deferred settlement means as one of second settlement means for performing depositing to the prepaid settlement means registered as the one of first settlement means.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present disclosure relates to a terminal device and a program. [Background technology]

[0002] Conventionally, application programs (hereinafter referred to as "payment apps") that can register multiple payment methods such as credit cards or prepaid cards are known. When making electronic payments at affiliated stores, users can use any payment method that has been preregistered in the payment app. For example, Patent Document 1 discloses that when a user applies for a credit card, a prepaid card can be used during a credit check, and that the payment method can be switched between a prepaid card and a credit card in response to a switching application from the user. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2014 / 155664 Summary of the Invention [Problem to be solved by the invention]

[0004] There was room for improvement in the payment app's technology.

[0005] The purpose of the present disclosure, made in consideration of these circumstances, is to improve payment app technology. [Means for solving the problem]

[0006] According to one embodiment of the present disclosure, the method comprises: A method executed by a terminal device storing an application program, comprising: Transmitting an application to use a deferred payment instrument; registering the postpaid payment instrument issued in response to the application for use in the application program as one of first payment instruments available for electronic payment; When a prepaid payment means is registered in the application program as one of the first payment means, the deferred payment means is automatically registered in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means; Includes.

[0007] A program according to an embodiment of the present disclosure includes: The terminal device Transmitting an application to use a deferred payment instrument; registering the postpaid payment instrument issued in response to the application for use in the application program as one of first payment instruments available for electronic payment; When a prepaid payment means is registered in the application program as one of the first payment means, the deferred payment means is automatically registered in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means; Execute the command. Effect of the Invention

[0008] According to one embodiment of the present disclosure, technology for payment apps is improved. [Brief description of the drawings]

[0009] [Figure 1] 1 is a block diagram showing a schematic configuration of a system according to an embodiment of the present disclosure. [Diagram 2] FIG. 2 is a block diagram showing a schematic configuration of a terminal device. [Diagram 3] 1 is a block diagram showing a schematic configuration of an information processing device; [Figure 4] 4 is a flowchart showing the operation of the terminal device. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, embodiments of the present disclosure will be described.

[0011] (Overview of the embodiment) An overview of a system 1 according to an embodiment of the present disclosure will be described with reference to Fig. 1. The system 1 includes a plurality of terminal devices 10 and an information processing device 20. Each of the terminal devices 10 and the information processing device 20 is communicably connected to a network 30 including, for example, the Internet and a mobile communication network.

[0012] The terminal device 10 is a computer such as a PC (Personal Computer), a smartphone, or a tablet terminal. In this embodiment, an application program, such as a payment application, is installed on the terminal device 10, and the terminal device 10 is used by a user who uses the application program. The payment application may be pre-installed or may be downloaded and installed from a predetermined distribution server.

[0013] The information processing device 20 is, for example, a computer such as a server device, etc. The information processing device 20 is capable of communicating with a plurality of terminal devices 10 via a network 30.

[0014] First, an overview of this embodiment will be described, and details will be described later. A terminal device 10 storing an application program transmits an application to use a postpaid payment means. Next, the terminal device 10 registers the postpaid payment means issued in response to the application in the application program as one of the first payment means available for electronic payment. Then, when the terminal device 10 registers the prepaid payment means in the application program as one of the first payment means, it automatically registers the postpaid payment means in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means.

[0015] When making an electronic payment at an affiliated store, a user can use any payment means registered in advance in the payment app of the terminal device. However, when a prepaid payment means such as a prepaid card is registered in the payment app to be used for electronic payment at an affiliated store, the user must separately register another payment means (e.g., a funding source) for depositing (charging) the prepaid payment means in the payment app, which makes the procedure complicated. In contrast, according to the present embodiment, when a prepaid payment means (e.g., a prepaid card) is registered in the payment app as one of the first payment means, the deferred payment means is automatically registered as a second payment means (e.g., a funding source) for depositing money into the prepaid payment means, which simplifies the registration procedure of the payment means. Therefore, according to the present embodiment, the technology of the payment app is improved in that the procedure for a user to register a payment means in the payment app can be simplified.

[0016] Next, each component of the system 1 will be described in detail.

[0017] (Terminal Device Configuration) As shown in FIG. 2, the terminal device 10 includes a communication unit 11, an output unit 12, an input unit 13, a storage unit 14, a control unit 15, and a positioning unit 16.

[0018] The communication unit 11 includes one or more communication interfaces connected to the network 40. The communication interfaces correspond to mobile communication standards such as, but are not limited to, 4G (4th Generation) or 5G (5th Generation). In this embodiment, the terminal device 10 communicates with the information processing device 20 via the communication unit 11 and the network 30.

[0019] The output unit 12 includes one or more output devices that output information. The output devices are, for example, but not limited to, a display that outputs information as a video or a speaker that outputs information as a sound. Alternatively, the output unit 12 may include an interface for connecting an external output device.

[0020] The input unit 13 includes one or more input devices that detect an input operation by a user. The input devices are, for example, but are not limited to, a physical key, a capacitive key, a mouse, a touch panel, a touch screen that is integral with the display of the output unit 12, or a microphone. Alternatively, the input unit 13 may include an interface for connecting an external input device.

[0021] The storage unit 14 includes one or more memories. The memories are, for example, but not limited to, semiconductor memories, magnetic memories, or optical memories. Each memory included in the storage unit 14 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 14 stores any information used in the operation of the terminal device 10. For example, the storage unit 14 may store a system program, an application program such as a payment application, and embedded software. For example, the information stored in the storage unit 14 may be updateable with information acquired from the network 40 via the communication unit 11, for example.

[0022] The control unit 15 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination of these. The processor is, for example, but is not limited to, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a specific process. The programmable circuit is, for example, but is not limited to, an FPGA (Field-Programmable Gate Array). The dedicated circuit is, for example, but is not limited to, an ASIC (Application Specific Integrated Circuit). The control unit 15 controls the operation of the entire terminal device 10.

[0023] (Configuration of information processing device) As shown in FIG. 3, the information processing device 20 includes a communication unit 21, a storage unit 22, and a control unit .

[0024] The communication unit 21 includes one or more communication interfaces connected to the network 30. The communication interface corresponds to, for example, a mobile communication standard, a wired LAN (Local Area Network) standard, or a wireless LAN standard, but is not limited to these and may correspond to any communication standard. In this embodiment, the information processing device 20 communicates with a plurality of terminal devices 10 via the communication unit 21 and the network 30.

[0025] The storage unit 22 includes one or more memories. Each memory included in the storage unit 22 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 22 stores any information used in the operation of the information processing device 20. For example, the storage unit 22 may store a system program, an application program, embedded software, a database, and the like. The information stored in the storage unit 22 may be updatable with information acquired from the network 30 via the communication unit 21, for example.

[0026] The control unit 23 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination of these. The processor is, for example, but is not limited to, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a specific process. The programmable circuit is, for example, but is not limited to, an FPGA (Field-Programmable Gate Array). The dedicated circuit is, for example, but is not limited to, an ASIC (Application Specific Integrated Circuit). The control unit 23 controls the operation of the entire information processing device 20.

[0027] (System 1 operation flow) The operation of the terminal device 10 in the system 1 according to this embodiment will be described with reference to FIG.

[0028] S100: The control unit 15 of the terminal device 10 transmits an application for use of a postpaid payment method.

[0029] Specifically, the user transmits an application to use a deferred payment means using the terminal device 10, which has an application program stored in the storage unit 14 of the terminal device 10. The application to use a deferred payment means may be, for example, made by having the user input information necessary for the application using the terminal device 10, but is not limited to this and any input method may be adopted. When the user has finished inputting the application to use a deferred payment means, the control unit 15 transmits the information necessary for the application to the information processing device 20 via the communication unit 11 and the network 30.

[0030] "Postpaid payment instruments" include any payment method available for electronic payment in which payment is made after receipt of goods or services, such as credit cards, virtual credit cards, postpaid electronic money, postpaid bill services, and carrier billing.

[0031] For example, the postpaid payment instrument may be one issued by a specific business such as "TOYOTA TS CUBIC CARD" and may be one that can be used for electronic payments at affiliated stores. Also, for example, the first payment instrument may have any feature that can simplify procedures in a specific industry such as the automobile industry.

[0032] "Information required for a usage application" includes, but is not limited to, information required for reviewing the usage application, such as acceptance of terms and conditions, the user's name, and personal identification, and may include any information related to the usage application.

[0033] S101: The control unit 15 registers the postpaid payment method issued in response to the application for use in the application program as one of the first payment methods available for electronic payment.

[0034] Specifically, the control unit 23 of the information processing device 20 receives information necessary for the usage application from the terminal device 10 via the communication unit 21 and the network 30. Next, the control unit 23 examines whether to permit the use of the postpaid payment means based on the information necessary for the usage application. Then, the control unit 23 transmits information regarding the examination result to the terminal device 10 via the communication unit 21 and the network 30.

[0035] Thereafter, the control unit 15 receives information regarding the examination result from the information processing device 20 via the communication unit 11 and the network 30. Then, the control unit 15 determines whether or not the examination has been passed based on the information regarding the examination result. If it is determined that the examination has been passed, the control unit 15 registers the application program as one of the first payment means available for electronic payment.

[0036] The "first payment means" includes any payment means that can be used for electronic payments at affiliated stores via the application program. For example, the first payment means may be the postpaid payment means described above or the prepaid payment means described below, but is not limited to these and may be any payment means.

[0037] "Information regarding the screening results" includes not only information that reveals the results of the screening, but also necessary information regarding the deferred payment means, such as the user ID and a unique number used by the user when using the deferred payment means.

[0038] S102: The control unit 15 registers the prepaid payment method as one of the first payment methods in the application program.

[0039] Specifically, when a user selects a prepaid payment means as one of the first payment means using the application program stored in storage unit 14, control unit 15 registers the prepaid payment means in the application program as one of the first payment means. The method for the user to select a prepaid payment means as one of the first payment means may be, for example, using the screen of terminal device 10, but is not limited to this and any input method may be used. Alternatively, control unit 15 may automatically register the prepaid payment means as one of the first payment means in the application program without the need for user operation.

[0040] The term "prepaid payment instrument" includes securities issued based on a value prepaid by a user, such as prepaid cards, virtual prepaid cards, gift cards, and electronic money.

[0041] In this embodiment, the postpaid payment means and the prepaid payment means are provided by the same business operator, but this is not limited to the above.

[0042] S103: When S102 is performed, the control unit 15 automatically registers the postpaid payment means in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means.

[0043] Specifically, when S102 is performed, the control unit 15 automatically registers the information of the prepaid payment means registered as one of the first payment means stored in the storage unit 14 in the application program by storing it in the storage unit 14 as one of the second payment means for depositing money into the prepaid payment means. The method of storing it in the storage unit 14 as one of the second payment means may be performed by including a flag indicating whether or not to use it as a second payment means in one piece of information of the prepaid payment means and setting the flag, or may be performed by directly storing the information of the prepaid payment means registered as one of the first payment means as a payment means registered as a second payment means.

[0044] The "second payment instrument" may be, for example, but is not limited to, a funding source, and may include any payment instrument for depositing funds into a prepaid payment instrument.

[0045] As described above, terminal device 10 storing an application program transmits an application to use a deferred payment means. Next, terminal device 10 registers the deferred payment means issued in response to the application in the application program as one of the first payment means available for electronic payment. Then, when terminal device 10 registers a prepaid payment means in the application program as one of the first payment means, it automatically registers the deferred payment means in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means.

[0046] According to this configuration, when a prepaid payment means provided by a first business is registered in a payment app as one of the first payment means, the deferred payment means is automatically registered as a second payment means for depositing money into the prepaid payment means, which can simplify the registration procedure for the payment means. Therefore, according to this embodiment, the technology of the payment app is improved in that the procedure for a user to register a payment means in the payment app can be simplified.

[0047] Although the present disclosure has been described based on the drawings and examples, it should be noted that those skilled in the art may make various modifications and alterations based on the present disclosure. Therefore, it should be noted that these modifications and alterations are included in the scope of the present disclosure. For example, the functions included in each component or step can be rearranged so as not to be logically inconsistent, and multiple components or steps can be combined or divided into one.

[0048] For example, in the above-described embodiment, the configuration and operation of the terminal device 10 may be distributed among a plurality of computers that can communicate with each other. Also, for example, an embodiment in which some or all of the components of the terminal device 10 are provided in the information processing device 20 may be provided. For example, the information processing device 20 may include some or all of the components of the terminal device 10.

[0049] Also, for example, in the above-described embodiment, when terminal device 10 registers the postpaid payment means in the application program as one of the first payment means, it may display on the screen a GUI that accepts user operation to apply for use of the prepaid payment means, and transmit an application to use the prepaid payment means in response to user operation on the GUI.

[0050] Specifically, the control unit 15 of the terminal device 10 displays a button for applying to use a prepaid payment means on the registration completion screen displayed after S101. When the user presses the button, the control unit 15 transmits the application to use a prepaid payment means to the information processing device 20 via the communication unit 11 and the network 30. Note that the GUI for accepting a user operation for applying to use a prepaid payment means is not limited to a button, and any GUI such as a message box can be used. Also, the screen for displaying the GUI for accepting a user operation for applying to use a prepaid payment means may be a different screen instead of the registration completion screen.

[0051] Also, for example, in the above-described embodiment, when the terminal device 10 registers a prepaid payment means as one of the first payment means in another application program, it may automatically register the deferred payment means in the other application program as one of the second payment means.

[0052] Specifically, when a prepaid payment means is registered as one of the first payment means in another application program different from the application program stored in the storage unit 14 of the terminal device 10, the control unit 15 of the terminal device 10 automatically registers the postpaid payment means in the other application program as one of the second payment means. The method of automatically registering in the other application program may be any method including, but not limited to, the use of an API, sharing a database of the application program stored in the storage unit 14, file sharing, the use of a messaging protocol, or the use of an authentication protocol such as OAuth or OpenID Connect, or a combination thereof.

[0053] Also, for example, in the above-described embodiment, the order in which the first payment means and the second payment means are registered in the application program may be changed.

[0054] Specifically, terminal device 10 transmits an application to use a deferred payment means. Next, terminal device 10 registers the prepaid payment means in the application program as one of the first payment means, and registers the deferred payment means issued in response to the application in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means. Then, when terminal device 10 registers the deferred payment means in the application program as one of the second payment means, it automatically registers the deferred payment means in the application program as one of the first payment means.

[0055] Also, for example, an embodiment is possible in which a general-purpose computer functions as the terminal device 10 according to the above-described embodiment. Specifically, a program describing the processing contents for realizing each function of the terminal device 10 according to the above-described embodiment is stored in the memory of the general-purpose computer, and the program is read and executed by a processor. Therefore, the present disclosure can also be realized as a program executable by a processor, or a non-transitory computer-readable medium that stores the program. [Explanation of symbols]

[0056] 1 System 10 Terminal Equipment 11 Communications Department 12 Output section 13 Input section 14 Storage section 15 Control section 20 Information processing device 21 Communications Department 22 Memory section 23 Control Unit 30 Network

Claims

1. A method executed by a terminal device storing an application program, comprising: Transmitting an application to use a deferred payment instrument; registering the postpaid payment instrument issued in response to the application for use in the application program as one of first payment instruments available for electronic payment; when a prepaid payment means is registered in the application program as one of the first payment means, the deferred payment means is automatically registered in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means; A method comprising:

2. 2. The method of claim 1 , The postpaid payment instrument is a prepaid card.

3. 2. The method of claim 1 , when a prepaid payment means is registered as one of the first payment means in another application program, the postpaid payment means is automatically registered as one of the second payment means in the other application program; The method further comprises:

4. 2. The method of claim 1 , displaying on a screen a GUI that accepts a user operation for applying for use of the prepaid payment means when the postpaid payment means is registered in the application program as one of the first payment means; Transmitting an application for use of the prepaid payment means in response to a user operation on the GUI; The method further comprises:

5. A program, A terminal device storing an application program, Transmitting an application to use a deferred payment instrument; registering the postpaid payment instrument issued in response to the application for use in the application program as one of first payment instruments available for electronic payment; when a prepaid payment means is registered in the application program as one of the first payment means, the deferred payment means is automatically registered in the application program as one of the second payment means for depositing money into the prepaid payment means registered as one of the first payment means; A program to execute.

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