Settlement system, settlement method and program

Abstract

To provide a settlement system for providing an appropriate settlement service to a user depending on whether the user's identity has been verified.SOLUTION: A settlement service providing unit (101) of a settlement system (1) provides a user with a settlement service on the basis of use settlement means set by the user, and even when the user does not set the use settlement means, provides the user with the settlement service under a predetermined use restriction. An identity verification execution unit (102) verifies the user's identity when the identity verification medium of the user is read by the user terminal of the user. A restriction release unit (103) releases the use restriction of the user when the identity verification is completed.SELECTED DRAWING: Figure 4

Description

Technical Field

[0001] The present disclosure relates to a payment system, a payment method, and a program.

Background Art

[0002] Conventionally, payment services that allow users to use electronic payment means have been known. For example, Patent Document 1 describes a communication system that requests a user to upload identification documents such as a copy of an identity card when starting to use a post-payment service, which is an example of a payment service. In the communication system of Patent Document 1, when identity verification based on the identification documents uploaded by the user is executed, the user can use the post-payment service.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the technology of Patent Document 1, since a user cannot use the post-payment service without performing identity verification, the convenience of the user cannot be improved. On the other hand, if a user who has not performed identity verification is allowed to freely use the post-payment service in the technology of Patent Document 1, there is a risk of unauthorized use. This also applies to other payment services other than the post-payment service of Patent Document 1. For this reason, it is required to provide an appropriate payment service to the user according to the presence or absence of identity verification.

[0005] One of the objects of the present disclosure is to provide an appropriate payment service to the user according to the presence or absence of identity verification.

Means for Solving the Problems

[0006] The payment system of the present disclosure includes a payment service providing unit that provides a payment service to a user based on the payment means set by the user, and provides the payment service to the user under specified usage restrictions even if the user does not set the payment means to be used, an identity verification execution unit that performs identity verification of the user when the user's identity verification medium is read by the user's user terminal, and a restriction lifting unit that lifts the usage restrictions of the user when the identity verification is completed. Effect of the Invention

[0007] According to the present disclosure, appropriate payment services can be provided to users depending on whether or not identity verification is performed. [Brief description of the drawings]

[0008] [Figure 1] FIG. 2 is a diagram illustrating an example of a hardware configuration of a payment system. [Diagram 2] FIG. 13 is a diagram illustrating an example of a screen displayed on a user terminal. [Diagram 3] FIG. 13 is a diagram illustrating an example of a screen displayed on a user terminal. [Figure 4] FIG. 2 is a diagram showing an example of functions realized in the payment system. [Diagram 5] FIG. 4 is a diagram illustrating an example of a user database. [Figure 6] FIG. 11 is a diagram illustrating an example of a usage restriction database. [Figure 7] FIG. 2 is a diagram illustrating an example of a process executed in the payment system. [Figure 8] FIG. 2 is a diagram illustrating an example of a process executed in the payment system. [Figure 9] FIG. 13 is a diagram illustrating an example of functions in a modified example. [Figure 10] FIG. 13 is a diagram showing an example of a flow of identity verification using a payment medium. [Figure 11] FIG. 11 is a diagram showing an example of an instruction screen in Modification 2. [Figure 12] FIG. 13 is a diagram showing an example of an instruction screen in Modification 3. [Figure 13] FIG. 13 is a diagram showing an example of an instruction screen in Modification 3. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] [1. Hardware configuration of payment system] An example of an embodiment of a payment system, a payment method, and a program according to the present disclosure will be described. Fig. 1 is a diagram showing an example of a hardware configuration of a payment system. For example, the payment system 1 includes a payment server 10 and a user terminal 20. Each of the payment server 10 and the user terminal 20 is connected to a network N such as the Internet or a LAN.

[0010] The payment server 10 is a server computer for a payment service. The payment service is a service that provides electronic payment (cashless payment) to a user. For example, the payment server 10 includes a control unit 11, a memory unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The memory unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one communication interface for wired communication and wireless communication.

[0011] The user terminal 20 is a user's computer. For example, the user terminal 20 is a smartphone, a tablet, a personal computer, or a wearable terminal. The user terminal 20 includes a control unit 21, a storage unit 22, a communication unit 23, an operation unit 24, a display unit 25, and an imaging unit 26. For example, the hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be similar to those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The communication unit 23 may be capable of NFC (Near Field Communication). The operation unit 24 is an input device such as a touch panel or a button. The display unit 25 is a display such as a liquid crystal or an organic EL. The imaging unit 26 includes at least one camera.

[0012] The programs stored in the storage units 12 and 22 may be supplied to the payment server 10 or the user terminal 20 via the network N. Also, the programs stored in a computer-readable information storage medium may be supplied to the payment server 10 or the user terminal 20 via a reading unit (e.g., an optical disk drive or a memory card slot) that reads the information storage medium, or an input / output unit (e.g., a USB port) that inputs and outputs data to and from an external device.

[0013] Furthermore, payment system 1 may include at least one computer. The hardware configuration of payment system 1 is not limited to the example of FIG. 1. For example, payment system 1 may include only payment server 10. In this case, user terminal 20 exists outside payment system 1. For example, payment system 1 may include a computer not shown in FIG. 1.

[0014] [2. Overview of the payment system] In this embodiment, an example is taken of a case where a user uses a payment service from a payment app installed on user terminal 20. The payment app is an application for the payment service (e.g., a so-called smartphone app). For example, when a user starts using the payment service, the user operates user terminal 20 to launch the payment app in order to register for the use of the payment service from the payment app. Registration for use is a procedure by which a user starts using a payment service. Registration for use is also called member registration or new registration.

[0015] 2 and 3 are diagrams showing examples of screens displayed on user terminal 20. For example, when a payment app is launched, as shown in the upper left of Fig. 2, user terminal 20 displays a login screen SC1 for the user to log in to the payment service on display unit 25. A user who has already registered for use selects button B10 to log in to the payment service. A user who has not yet registered for use selects button B11 to register for use.

[0016] In this embodiment, the payment service is linked to other services for which the user has already registered. The other services may be any services. For example, the other services are e-commerce services, travel reservation services, financial services, or communication services. The user selects button B11, and then on the screen that appears, the user enters the same user ID and password as the other services to complete the registration process for the payment service.

[0017] The flow of registration may be the same as the flow of registration for known payment services. The procedure of registration is not limited to the example of this embodiment. For example, the payment service does not need to be linked to other services. In this case, the user inputs the information required for registration on the screen after selecting button B11. Even if the payment service is linked to other services, the user may input the information required for registration on the screen after selecting button B11.

[0018] In this embodiment, the user can set the payment method to be used during the registration procedure. The payment method to be used is the payment method that the user uses for the payment service. In this embodiment, an example is given in which the payment method to be used is the payment method that the user uses for payment (payment). In other words, the payment method to be used is a payment method that the user can set as the payment source for the payment service. The payment method to be used can also be said to be the payment method that the user registers for the payment service.

[0019] The payment means to be used may be any payment means that the user uses in the payment service. The payment means to be used is not limited to the payment means that the user uses for payment. For example, the payment means to be used may be a payment means by which the user charges electronic money that can be used in the payment service. The payment means to be used may be a payment means by which the user sends all or part of the balance to another user of the payment service. The payment means to be used may be a payment means that is not used for payment. For example, in a payment service, payment can be made only with electronic money, and the payment means to be used may be a payment means for charging electronic money.

[0020] In this embodiment, an example is taken of a case where the payment means to be used is at least one of a credit card and a bank account. A user may set both a credit card and a bank account as the payment means to be used, or may set only one of a credit card or a bank account as the payment means to be used. The payment means to be used may be any payment means. The payment means to be used is not limited to the example of this embodiment. For example, the payment means to be used may be points, electronic money, an account other than a bank account, a debit card, or cryptocurrency.

[0021] For example, when a user inputs a user ID and password for another service and authentication is successful, the user terminal 20 displays a setting screen SC2 on the display unit 25 for the user to set the payment method to be used, as shown in the upper right of Fig. 2. The user can set the payment method to be used during the registration process by selecting button B20. For example, the user sets the payment method to be used by inputting credit card information such as a credit card number, or bank account information such as a bank account number.

[0022] For example, when a user sets the payment method to be used during registration, the user terminal 20 displays a completion screen SC3 on the display unit 25, indicating that registration has been completed, as shown in the lower left of Fig. 2. In the example at the lower left of Fig. 2, the user sets a credit card as the payment method to be used. The user can use the payment method set at the time of registration for the payment service immediately after registration. For example, as shown in the lower right of Fig. 2, the user terminal 20 displays a payment screen SC4 on the display unit 25, which enables the user to make a payment with the payment method to be used.

[0023] For example, the payment screen SC4 includes a code C40 generated based on a code ID that can temporarily identify the user. When the code C40 is read at a member store of the payment service, the payment is executed based on the payment means (e.g., the payment means to be used) set as the payment source. The payment flow may be the same as that of a known payment service. The type of payment may also be the type adopted by a known payment service. For example, a payment may be executed in which the user terminal 20 reads the code of the member store, in which the payment is completed only by operating the user terminal 20, or in which an IC chip in the user terminal 20 is used.

[0024] For example, the user can change the payment method of the payment source by selecting button B41. If the user has set multiple payment methods to be used, the user can select the payment method of the payment source from among the multiple payment methods to be used. The user may set each of multiple credit cards as the payment method to be used, or may set both a credit card and a bank account as the payment method. The user may add a new payment method to be used after completing the user registration.

[0025] In this embodiment, points and electronic money are provided as default payment methods that can be used by the user without the user having to set the payment method to be used. The points may be points that the user has already acquired in other services linked to the payment service. The electronic money may be available to the user in other services linked to the payment service. For example, the user can change the source of payment to points or electronic money.

[0026] For example, the user can charge electronic money by selecting button B42. The charging of electronic money may be performed based on the payment means used, or by other methods such as cash inserted into an ATM. The user can also perform identity verification, which will be described later, by selecting button B43. The functions of the payment service that the user can use from the payment app are not limited to the above examples. For example, the payment service may provide the user with functions to send electronic money to other users, receive electronic money from other users, withdraw electronic money, or other functions.

[0027] In this embodiment, the user can also skip setting the payment method to be used during registration. The user can freely select whether to set the payment method to be used during registration, or to skip setting the payment method to be used during registration. For example, if the user wants to postpone setting the payment method to be used or is uncomfortable with entering credit card or bank account information, the user skips setting the payment method to be used during registration.

[0028] For example, if the user selects button B21 in the state shown in the upper right of Fig. 2, setting of the payment means to be used is skipped, and registration is completed as shown in the completion screen SC3 in the upper left of Fig. 3. Because setting of the payment means to be used has been skipped, the user cannot use the payment service with the payment means to be used, but instead uses the payment service with the default payment means, electronic money or points. If the user has points accumulated with other services, the user can use the points from the beginning, as shown in the payment screen SC4 in the upper right of Fig. 3.

[0029] In this embodiment, if the user skips setting the payment method to be used, the user can use the payment service under certain usage restrictions. For example, as shown in the completion screen SC3 in the upper left of Fig. 3, usage restrictions such as the upper limit of payment usage, the upper limit of charge usage, and the prohibition of sending electronic money are applied to the user. If the user sets the payment method to be used, these usage restrictions are not applied to the user, or usage restrictions that are more relaxed than these usage restrictions are applied to the user.

[0030] As shown in the payment screen SC4 in the upper right of FIG. 3, the user has not set a payment method to be used (in this embodiment, at least one of a credit card and a bank account), so the payment method of the payment source is electronic money, which is provided as the default payment method. The user can also set points as the payment source. Since the payment method to be used has not been set, electronic money can be charged by methods other than the payment method to be used (for example, by inserting cash into an ATM or by transferring money to a specified bank account).

[0031] In this embodiment, when a user sets a payment method to be used after completing the registration, the usage restrictions of the payment service are lifted. For example, the upper limit of the payment usage amount and the upper limit of the charge usage amount are each raised, and the sending of electronic money is permitted. However, some users may feel uncomfortable inputting information such as a credit card number or inputting information such as a bank account number. Therefore, if there is no other way to lift the usage restrictions, the user will continue to use the payment service under the usage restrictions.

[0032] Therefore, in this embodiment, identity verification is provided as another cancellation method. In this embodiment, an example is taken of a case where eKYC (electronic Know Your Customer) corresponds to identity verification. eKYC is identity verification that checks identity verification documents by electronic means. The flow of eKYC may be a well-known flow. Identity verification is not limited to eKYC. For example, KYC other than eKYC may correspond to identity verification. Other examples of identity verification will be described in the modified example described below.

[0033] For example, when the user selects button B44 on the payment screen SC4 in the upper right of FIG. 3, the user terminal 20 causes the display unit 25 to display an instruction screen SC5 for the user to specify a method for lifting the usage restriction. In this embodiment, two methods for lifting the usage restriction are provided: setting the payment method to be used and performing identity verification. When the user selects button B50, the user can set the payment method to be used. The flow for setting the payment method to be used may be the same as the flow for setting the payment method to be used during user registration.

[0034] For example, when the user selects button B51, the user can release the usage restriction by identity verification based on eKYC. When the user photographs his / her face and an identity verification document such as a driver's license or a personal identification number card with the photographing unit 26, the user terminal 20 transmits a document image showing the identity verification document and a facial image showing the user's face to the payment server 10. The payment server 10 receives the document image and the facial image from the user terminal 20.

[0035] For example, the payment server 10 performs identity verification by comparing the face on the identity verification document shown in the document image with the face shown in the face image. This verification may be performed by a method adopted in known eKYC. Once identity verification is performed, the usage restrictions are lifted, as shown in the payment screen SC4 in the lower right of FIG. 3. As described above, the payment system 1 of this embodiment provides the user with an appropriate payment service by lifting the usage restrictions depending on whether identity verification has been performed or not. Details of the payment system 1 will be described below.

[0036] [3. Functions realized by the payment system] FIG. 4 is a diagram showing an example of functions realized by the payment system 1. As shown in FIG.

[0037] [3-1. Data stored by the payment server] For example, the payment server 10 includes a data storage unit 100, a payment service providing unit 101, a personal identification verification unit 102, and a restriction lifting unit 103. The data storage unit 100 is realized by the memory unit 12. The payment service providing unit 101, the personal identification verification unit 102, and the restriction lifting unit 103 are realized by the control unit 11.

[0038] [Data storage section] The data storage unit 100 stores data necessary for the payment service. For example, the data storage unit 100 stores a user database DB1 and a usage restriction database DB2.

[0039] FIG. 5 is a diagram showing an example of user database DB1. User database DB1 is a database in which various information related to a user is stored. For example, user database DB1 stores a user ID, a password, personal information of the user, a code ID, payment source information, used payment method information, and identity verification information. Any information related to a user may be stored in user database DB1. Information stored in user database DB1 is not limited to the example of FIG. 5. For example, information on points and electronic money, which are default payment methods, and usage history information indicating the user's usage history of payment services may be stored in user database DB1.

[0040] The user ID is an example of user identification information that can identify a user. Therefore, the section written as user ID can be read as user identification information. The user identification information may be any information that can identify a user in some way. The user identification information is not limited to a user ID. For example, the user identification information may be an email address, a telephone number, or a code ID. In this embodiment, the user ID and password are used for the user to log in to the payment service. The user ID may be common to other services linked to the payment service. If the user ID of the payment service is different from the user ID of the other service, the association between them may be defined in the user database DB1.

[0041] The user's personal information is information registered at the time of registration. For example, the personal information indicates the user's name, date of birth, address, telephone number, or a combination of these. In this embodiment, an example is given of personal information registered in another service being reused as personal information for the payment service, but the personal information may be input by the user at the time of registration without being reused. When a user who has already been identified updates his / her personal information, the payment server 10 may request the user to identify himself / herself again.

[0042] The code ID is an ID coded into the code C40. For example, when a user logs in to a payment service, the payment server 10 issues a code ID for the user that does not overlap with code IDs of other users, and stores the code ID in the user database DB1. The payment source information is information that can identify the payment source. For example, the payment source information may indicate electronic money or points provided by default, or may indicate a payment means selected by the user from among multiple payment means.

[0043] The payment method used information is information about the payment method used set by the user. The payment method used can also be referred to as the user's payment method registered in a payment service or payment app. The payment method used can also be referred to as a payment method that is a candidate for the payment source. For example, if the payment method used is a credit card, the payment method used information indicates the credit card number, expiration date, and account holder. If the payment method used is a bank account, the payment method used information indicates the financial institution code (financial institution name), branch code (branch name), account type, account number, and account holder. The payment method used information may indicate information corresponding to the payment method used.

[0044] The identity verification information is information indicating whether or not identity verification of a user has been completed. The identity verification information may indicate the method of identity verification performed by the user, the document image uploaded by the user, the date and time of identity verification, or a combination of these. If identity verification takes time, the identity verification information may indicate the execution status of identity verification. Since usage restrictions are lifted when identity verification is performed, the identity verification information can also be said to be information indicating whether or not usage restrictions have been lifted. If there are multiple levels of usage restrictions, the identity verification information may indicate which level of usage restrictions there is.

[0045] In this embodiment, three levels of usage restrictions are set. Hereinafter, the strictest usage restrictions are referred to as level 1. Users who have not set a payment method to be used and have not completed identity verification are at level 1. The second strictest usage restrictions are referred to as level 2. Users who have set a payment method to be used but have not completed identity verification are at level 2. The least strict usage restrictions are referred to as level 3. Users who have completed identity verification, regardless of whether a payment method to be used is set, are at level 3.

[0046] In the example of Fig. 5, the personal identification information indicates the user level to which the user belongs, among levels 1 to 3. For example, when a certain user sets the payment means to be used at the time of user registration, the payment server 10 updates the user database DB1 so that the personal identification information of the user indicates level 2. After that, when the user performs personal identification, the payment server 10 updates the user database DB1 so that the personal identification information of the user indicates level 3.

[0047] For example, if a user skips setting the payment method to be used during user registration, the payment server 10 updates the user database DB1 so that the user's identity verification information indicates level 1. If the user subsequently sets the payment method to be used, the payment server 10 updates the user database DB1 so that the user's identity verification information indicates level 2. If the user performs identity verification, the payment server 10 updates the user database DB1 so that the user's identity verification information indicates level 3.

[0048] Fig. 6 is a diagram showing an example of the usage restriction database DB2. The usage restriction database DB2 is a database in which various information related to usage restrictions is stored. For example, the usage restriction database DB2 stores restriction content information for each user level. Any information related to usage restrictions may be stored in the usage restriction database DB2. The information stored in the usage restriction database DB2 is not limited to the example in Fig. 6. For example, the user IDs of users belonging to each user level may be stored in the usage restriction database DB2.

[0049] The restriction information is information on the specific content of the usage restriction. For example, the restriction information indicates at least one of the upper limit of usage and whether electronic money can be sent. The restriction information may indicate only either the upper limit of usage or whether electronic money can be sent. In the example of FIG. 6, the lower the user level, the lower the upper limit of usage. That is, the higher the user level, the higher the upper limit of usage. If the user level is equal to or higher than a threshold (e.g., level 2), sending electronic money is permitted. That is, if the user level is below the threshold, sending electronic money is prohibited.

[0050] For example, the limit information indicates the upper limit of usage for payment and the upper limit of usage for recharge. The upper limit of usage for payment may be the upper limit of usage per payment, the total amount of payments in a specified period (e.g., one day or one month), or both. The upper limit of usage for recharge may be the upper limit of usage per recharge, the total amount of recharge in a specified period (e.g., one day or one month), or both. The limit information may indicate the upper limit of usage when sending electronic money. The limit information may indicate the upper limit of usage when withdrawing electronic money.

[0051] The data stored in the data storage unit 100 is not limited to the above examples. The data storage unit 100 may store any data necessary for the payment service. For example, the data storage unit 100 may store data necessary for displaying each screen of Fig. 2 and Fig. 3. The data storage unit 100 stores programs necessary for each of the execution of payment, sending electronic money, receiving electronic money, charging electronic money, and withdrawing electronic money.

[0052] [Payment Service Department] The payment service providing unit 101 provides a payment service to a user based on the payment means set by the user, and also provides a payment service to a user under predetermined usage restrictions even if the user does not set the payment means to be used. Providing a payment service means providing the functions of the payment system 1. For example, making a payment, sending electronic money, receiving electronic money, charging electronic money, withdrawing electronic money, or a combination of these, corresponds to providing a payment service. It can also be said that the execution of a program indicating these processes by the payment service providing unit 101 corresponds to providing a payment service.

[0053] The specified usage restriction is a restriction on the scope of use of the payment service. For example, the specified usage restriction is a restriction on the upper limit of usage in the payment service, or a restriction on the functions available to the user in the payment service. In this embodiment, the upper limit of usage for payment, the upper limit of usage for recharge, and whether or not electronic money can be sent are taken as examples of cases where the specified usage restriction corresponds to the specified usage restriction. The specified usage restriction may be any restriction. The specified usage restriction is not limited to the example of this embodiment. For example, the number of payments, the time interval between payments, the upper limit of sending electronic money, the upper limit of receiving electronic money, or other restrictions may correspond to the specified usage restriction.

[0054] For example, the payment service providing unit 101 identifies the content of the usage restrictions to be imposed on the user based on the identity verification information stored in the user database DB1 and the usage restriction information stored in the usage restriction database DB2. The payment service providing unit 101 provides the user with a payment service within the range of the identified usage restrictions. When usage history information indicating the user's usage history of the payment service is stored in the user database DB1, the payment service providing unit 101 may determine whether or not the range of the usage restrictions is exceeded based on the usage history information.

[0055] In this embodiment, the payment service providing unit 101 determines whether or not a user has set a payment method to be used based on the user database DB1. For example, if the payment method information to be used is associated with a user's user ID, the payment service providing unit 101 determines that the user has set a payment method to be used. If the payment method information to be used is not associated with a user's user ID, the payment service providing unit 101 determines that the user has not set a payment method to be used. Based on the result of the determination of whether or not the user has set a payment method to be used, the payment service providing unit 101 decides whether or not to provide a payment service to the user under a predetermined usage restriction.

[0056] The method of determining whether or not a user has set a payment method to be used is not limited to the example of this embodiment. If information other than the payment method information to be used indicates whether or not a user has set a payment method to be used, the payment service providing unit 101 may determine whether or not a user has set a payment method to be used based on the other information. The other information is assumed to be stored in the data storage unit 100. For example, if a user's user level is level 2, the payment service providing unit 101 may determine that the user has set a payment method to be used. If a user's user level is level 1, the payment service providing unit 101 may determine that the user has not set a payment method to be used.

[0057] For example, when a user sets a payment method to be used, the payment service providing unit 101 provides a payment service to the user by executing a payment based on the payment method to be used. The payment service providing unit 101 refers to the user database DB1 and acquires the payment method to be used information associated with the user ID of the user who set the payment method to be used. The payment service providing unit 101 executes the payment based on the acquired payment method to be used information. The execution of the payment may be similar to known processing. For example, the payment service providing unit 101 executes a credit card payment, electronic money payment, bank account payment, points payment, or other payment based on the payment method to be used information.

[0058] For example, when a user sets a payment means to be used, the payment service providing unit 101 provides a payment service to the user by charging electronic money based on the payment means to be used. When the payment means to be used is a payment means that can be sent to other users, such as electronic money, the payment service providing unit 101 may provide a payment service to the user by sending the payment means to be used set by the user to the other user. Conversely, the payment service providing unit 101 may provide a payment service to the user by having the user receive a payment means sent by another user based on the payment means to be used set by the user. The processes of charging, sending, and receiving may be known processes.

[0059] For example, when a user does not set a payment method to be used, the payment service providing unit 101 provides a payment service to a user based on a predetermined basic payment method. A basic payment method is a payment method that can be used by a user even if the user does not set a payment method to be used. In other words, a basic payment method is a payment method that can be used by a user from the beginning. In this embodiment, an example is given in which electronic money and points correspond to basic payment methods. The basic payment method may be any payment method. The basic payment method is not limited to the example of this embodiment. For example, the basic payment method may be either electronic money or points, or it may be a payment method that the user has registered for another service.

[0060] For example, if the user does not set the payment method to be used, the payment service providing unit 101 provides the user with a payment service under the upper limit set as a usage restriction. The upper limit may be any upper limit related to the use of the payment service. The upper limit is not limited to the upper limit for payment and the upper limit for charging. For example, the upper limit may be an upper limit for sending electronic money, an upper limit for using electronic money, an upper limit for post-payment, or another upper limit.

[0061] In this embodiment, the payment service providing unit 101 identifies the upper limit of use for a user based on the identity verification information stored in the user database DB1 and the restriction content information stored in the usage restriction database DB2. The upper limit of use may be indicated in the identity verification information stored in the user database DB1. The payment service providing unit 101 provides a payment service to the user within the range of the upper limit of use. In this embodiment, it is assumed that the upper limit of use is common among multiple users at the same user level, but the upper limit of use may be determined for each user.

[0062] For example, when the user does not set a payment method, the payment service providing unit 101 provides a payment service for the user based on a predetermined basic payment method (for example, electronic money or points, which are the default payment methods), and prohibits the sending of the basic payment method to other users as a usage restriction. That is, the payment service providing unit 101 does not allow the user who has not set a payment method to use the function for sending the basic payment method. For example, the payment service providing unit 101 prohibits the sending of the basic payment method by preventing the user terminal 20 from displaying an image for instructing the sending of the basic payment method. The payment service providing unit 101 may permit the display of the image but may not execute the sending even if a request for sending is received from the user terminal 20.

[0063] In this embodiment, when the user does not set a payment method, the payment service providing unit 101 provides a payment service to the user under a predetermined first usage restriction. The first usage restriction is a usage restriction applied to a user who has not set a payment method. In this embodiment, the usage restriction at level 1 corresponds to the first usage restriction. For example, the payment service providing unit 101 provides a payment service to a user whose identity verification information indicates level 1 within the range of the first usage restriction. In the example of FIG. 6, the payment service providing unit 101 provides a payment service to the user within the range of the upper limit of use at level 1. The payment service providing unit 101 does not execute the sending of the basic payment method prohibited at level 1 to the user.

[0064] In this embodiment, when a user sets a payment means to be used, the payment service providing unit 101 provides the user with a payment service based on the payment means to be used under a second usage restriction that is more relaxed than the first usage restriction. Relaxed restrictions mean that the restrictions are less strict. For example, a large usage upper limit or fewer functions that are prohibited from use corresponds to relaxed restrictions. The second usage restriction is a usage restriction that is applied to a user who has set a payment means to be used. The payment service providing unit 101 may provide an unlimited payment service to a user who has set a payment means to be used without applying any particular usage restriction.

[0065] In this embodiment, the level 2 usage restriction corresponds to the second usage restriction. For example, the payment service providing unit 101 provides a payment service to a user whose identity verification information indicates level 2 within the range of the second usage restriction. In the example of FIG. 6, the payment service providing unit 101 provides a payment service to a level 2 user within the range of an upper usage limit that is higher than the upper usage limit of level 1. The payment service providing unit 101 executes the sending of a basic payment means that is prohibited at level 1 to a level 2 user.

[0066] For example, when identity verification is completed, the payment service providing unit 101 provides the user with a payment service under a third usage restriction that is more lenient than the second usage restriction. In this embodiment, the level 3 usage restriction corresponds to the third usage restriction. For example, the payment service providing unit 101 provides a payment service within the range of the third usage restriction to a user whose identity verification information indicates level 3. In the example of Figure 6, the payment service providing unit 101 provides a payment service to a level 3 user within the range of a usage upper limit that is greater than the level 2 usage upper limit.

[0067] In this embodiment, the payment service providing unit 101 executes the sending of basic payment means, which is prohibited at level 1, to level 3 users. Since sending of basic payment means is also permitted for level 2 users, in this respect the third usage restriction is not more relaxed than the second usage restriction. However, the third usage restriction is more relaxed than the first usage restriction. It is sufficient that at least some items of the third usage restriction are more relaxed than the first usage restriction, and it is not necessary that all items shown in the usage restriction database DB2 are more relaxed than the second usage restriction.

[0068] [Identity Verification Execution Department] The identity verification execution unit 102 performs identity verification of a user when the identity verification medium of the user is read by the user terminal 20 of the user. The identity verification medium is a medium used for identity verification. In this embodiment, an example is taken of the case where the identity verification medium is an identity verification document including a facial photograph of the user. For example, the identity verification document is a driver's license or a personal identification number card. The identity verification document may be any document used for publicly known identity verification including eKYC. For example, an identity verification document that does not include a facial photograph of the user (for example, an insurance card or a resident card) may be used. The identity verification medium may be any medium that can be used for so-called possession authentication. The identity verification medium is not limited to an identity verification document. Other examples of identity verification media will be described in the modified examples described below.

[0069] For example, the user terminal 20 reads the identification document by photographing the identification document. The user terminal 20 photographs not only the identification document but also the user's face. The user terminal 20 generates a document image showing the identification document and a facial image showing the user's face, and transmits them to the payment server 10. When the identification document and the user's face are photographed by the user terminal 20, the identification confirmation execution unit 102 executes identity confirmation based on the document image showing the identification document and the facial image showing the user's face. When identity confirmation of a certain user is completed, the identity confirmation execution unit 102 updates the identity confirmation information associated with the user ID of the user so that the identity confirmation information indicates the completion of identity confirmation (for example, so that the identity confirmation information indicates level 3).

[0070] The method of performing identity verification based on the document image and the face image may be a process used in known identity verification. For example, the identity verification execution unit 102 calculates the similarity between the face shown in the document image and the face shown in the face image based on a known algorithm for discriminating similar images, and determines that identity verification has been successful if the similarity is equal to or greater than a threshold. The identity verification execution unit 102 may perform identity verification by displaying the document image and the face image on a terminal of an operator of the payment service and receiving a check result by the operator. In addition, if the identity verification document includes an IC chip, the identity verification execution unit 102 may perform identity verification using wireless communication instead of an image.

[0071] [Restriction release section] The restriction lifting unit 103 lifts the usage restrictions on the user when identity verification is complete. Lifting the usage restrictions means removing the usage restrictions set for the user. Lifting the usage restrictions may correspond to removing all usage restrictions in the payment service, but in this embodiment, since users of any user level have some usage restrictions, relaxing the usage restrictions corresponds to lifting the usage restrictions. For example, the restriction lifting unit 103 lifts the usage restrictions by updating the identity verification information of the user who is the target of lifting the usage restrictions.

[0072] For example, when identity verification is completed, the limit lifting unit 103 lifts the usage limit of the user by raising the usage upper limit of the user. Raising the usage upper limit means increasing the usage upper limit. In this embodiment, since the usage upper limit is raised according to the user level indicated by the identity verification information, the limit lifting unit 103 raises the usage upper limit by updating the identity verification information of the user whose identity verification has been completed so that the user level of the user becomes level 3.

[0073] For example, when identity verification is completed, the restriction lifting unit 103 lifts the usage restriction on the user by permitting the sending of the user's basic payment means. In this embodiment, the sending of the basic payment means is permitted according to the user level indicated by the identity verification information, so the restriction lifting unit 103 permits the sending of the basic payment means by updating the identity verification information of the user whose identity verification has been completed so that the user level of the user becomes level 3. In other words, when identity verification is completed, the restriction lifting unit 103 lifts the first usage restriction on the user.

[0074] In addition, when a certain user sets a payment method to be used, the restriction lifting unit 103 may lift the usage restriction of the user. For example, when a certain user sets a payment method to be used, the restriction lifting unit 103 may lift the usage restriction by updating the identity verification information of the user so that the user level of the user becomes level 2. The usage restriction may be lifted by updating information other than the identity verification information. For example, in a case where the concept of user level does not exist and usage restriction information indicating the contents of the usage restriction of the user is prepared for each user, the usage restriction lifting unit 103 may lift the usage restriction by updating the usage restriction information.

[0075] [3-2. Other functions realized on the user terminal] For example, the user terminal 20 includes a data storage unit 200, a display control unit 201, and a transmission unit 202. The data storage unit 200 is realized by the storage unit 22. The display control unit 201 and the transmission unit 202 are realized by the control unit 21.

[0076] [Data storage section] The data storage unit 200 stores data related to a payment service. For example, the data storage unit 200 stores a payment application. Note that the medium through which the user uses the payment service is not limited to the payment application. For example, the medium through which the user uses the payment service may be a browser installed in the user terminal 20 or an IC chip of the user terminal 20.

[0077] [Display control section] The display control unit 201 causes each screen related to the payment service to be displayed on the display unit 25. For example, the display control unit 201 causes each screen shown in Fig. 2 and Fig. 3 to be displayed on the display unit 25.

[0078] [Transmitter] The transmission unit 202 transmits various data to the payment server 10. For example, the transmission unit 202 transmits image data of each of a document image and a face image to the payment server 10. The transmission unit 202 may transmit data indicating operation contents for each screen displayed by the display control unit 201 to the payment server 10.

[0079] [4. Processing performed by the payment system] Figures 7 and 8 are diagrams showing an example of a process executed in payment system 1. The processes in Figures 7 and 8 are executed by control units 11 and 21 operating in accordance with programs stored in storage units 12 and 22, respectively.

[0080] As shown in Fig. 7, the user terminal 20 executes a process for displaying a login screen SC1 with the payment server 10 (S1). Here, the process when the user selects the button B11 will be described. When the user selects the button B11, the user terminal 20 executes a process for displaying a setting screen SC2 with the payment server 10 (S2). The user terminal 20 identifies the user's operation based on a detection signal from the operation unit 24 (S3).

[0081] In S3, when the user selects button B20 (S3:B20), the user terminal 20 executes a process with the payment server 10 to set the payment means to be used and complete the registration (S4). The user terminal 20 executes a process with the payment server 10 to display the completion screen SC3 shown in the lower left of Fig. 2 (S5). The payment server 10 executes a process with the user terminal 20 to provide the user with a payment service under level 2 usage restrictions (S6).

[0082] The user terminal 20 judges whether or not the user has selected the button B43 on the payment screen SC4 (S7). If it is judged that the button B43 has not been selected (S7: N), this process ends. If it is judged that the button B43 has been selected (S7: Y), the user terminal 20 performs identity verification with the payment server 10 (S8). Once identity verification has been performed, the payment server 10 lifts the level 2 usage restriction (S9), and this process ends. In S9, the usage restriction becomes level 3.

[0083] In S3, when the user selects button B21 (S3:B21), the process moves to Fig. 8, and the user terminal 20 executes a process with the payment server 10 to skip the payment method to be used and complete the registration (S10). The user terminal 20 executes a process with the payment server 10 to display the completion screen SC3 shown in the upper left of Fig. 3 (S11). The payment server 10 provides the user with a payment service based on the level 1 usage restriction with the user terminal 20 (S12).

[0084] The user terminal 20 judges whether or not the user selected the button B44 on the payment screen SC4 (S13). If it is judged that the button B44 was not selected (S13: N), this process ends. If it is judged that the button B44 was selected (S13: Y), the user terminal 20 executes a process for displaying the instruction screen SC5 with the payment server 10 (S14). The user terminal 20 identifies the user's operation based on the detection signal of the operation unit 24 (S15).

[0085] In S15, when the user selects the button B50 (S15:B50), the user terminal 20 executes a process to set the payment method to be used with the payment server 10 (S16). When the payment method to be used is set, the payment server 10 removes the level 1 usage restriction (S17), and this process ends. In S17, the usage restriction becomes level 2.

[0086] In S15, when the user selects the button B51 (S15:B51), the user terminal 20 performs identity verification with the payment server 10 (S18). When identity verification is performed, the payment server 10 removes the level 1 usage restriction (S19), and this process ends. In S19, the usage restriction becomes level 3.

[0087] [5. Summary of the embodiment] The payment system 1 of this embodiment provides a payment service to a user under a predetermined usage restriction even if the user does not set the payment means to be used. The payment system 1 performs identity verification of the user when the identity verification medium is read by the user terminal 20. The payment system 1 releases the usage restriction of the user when the identity verification is completed. This allows the payment system 1 to provide an appropriate payment service to the user depending on whether or not the identity verification is performed. For example, the user can use the payment service even if the user skips setting the payment means to be used, which increases the user's convenience. In addition to setting the payment means to be used, the user can release the usage restriction by identity verification, which also increases the user's convenience. For example, even if the user is reluctant to input the information of the payment means to be used, the usage restriction of the payment service can be released by identity verification.

[0088] Furthermore, if the user does not set the payment means to be used, the payment system 1 provides the user with payment services under the upper limit set as a usage restriction. When identity verification is completed, the payment system 1 lifts the user's usage restriction by raising the user's upper limit. This allows the payment system 1 to raise the user's upper limit to an appropriate amount depending on whether identity verification has been completed. For example, the payment system 1 can prevent malicious individuals from fraudulently making large payments. Even if fraud does occur, the payment system 1 can minimize the amount of damage by using the upper limit.

[0089] Furthermore, if a user does not set a payment means to be used, the payment system 1 prohibits the sending of the basic payment means to other users as a usage restriction. When identity verification is completed, the payment system 1 lifts the user's usage restriction by permitting the sending of the basic payment means. This allows the payment system 1 to appropriately permit the sending of the basic payment means depending on whether identity verification has been completed or not. For example, the payment system 1 can prevent money laundering by malicious individuals using the basic payment means.

[0090] Furthermore, the payment system 1 performs identity verification based on the document image and the facial image when the identity verification document and the user's face are photographed by the user terminal 20. This allows the payment system 1 to provide the user with an appropriate payment service by a more secure method of identity verification based on the document image and the facial image.

[0091] Furthermore, if the user does not set a payment means to be used, the payment system 1 provides the user with a payment service under a predetermined first usage restriction. If identity verification is completed, the payment system 1 lifts the user's first usage restriction. If the user sets a payment means to be used, the payment system 1 provides the user with a payment service under a second usage restriction that is less stringent than the first usage restriction, based on the payment means to be used. This allows the payment system 1 to provide the user with an appropriate payment service depending on whether identity verification has been performed and whether a payment means to be used has been set.

[0092] Furthermore, when identity verification is completed, the payment system 1 provides the user with a payment service under a third usage restriction that is more lenient than the second usage restriction. This allows the payment system 1 to provide a more appropriate payment service to the user who has completed identity verification. By setting three levels of usage restrictions, the payment system 1 can provide a more flexible payment service to the user.

[0093] [6. Modifications] The present disclosure is not limited to the above-described embodiment, and may be modified as appropriate without departing from the spirit and scope of the present disclosure.

[0094] Fig. 9 is a diagram showing an example of functions in the modified example. As shown in Fig. 9, the payment system 1 in the modified example includes a setting unit 104 and a display control unit 105. Each of the setting unit 104 and the display control unit 105 is realized by the control unit 11.

[0095] [6-1. Variation 1] For example, in the embodiment, the personal identification medium is an identification document such as a driver's license or a personal identification number card. The personal identification medium may be any medium that allows the user to authenticate himself / herself. In other words, the personal identification medium may be any medium that can be read by the user terminal 20 and that can be used for possession authentication. Reading may be performed not only by photographing with the photographing unit 26, but also by wireless communication.

[0096] In the first variant example, the identity verification medium is a payment medium that can be set by the user as the payment method to be used. The payment medium is an object used for payment. In other words, the payment medium is an object that includes at least one memory in which payment information required for payment is recorded. For example, the payment medium is an IC card used for payment. The IC card is capable of wireless communication using any communication standard such as NFC. For example, the IC card is a credit card, a transportation card, an electronic money card, a point card, a debit card, or a card having multiple functions of these.

[0097] The payment medium may be a medium other than a card type. The payment medium is not limited to a card. For example, if a user has multiple user terminals 20, the payment medium may be a user terminal 20 other than the user terminal 20 on which the payment app is activated for identity verification. In this case, communication between the user terminals 20 may use a communication standard other than NFC. For example, the other communication standard may be Wi-Fi (registered trademark), Bluetooth (registered trademark), infrared communication, or ultrasonic communication.

[0098] The payment medium corresponds to at least one payment service. The payment service that the payment medium corresponds to may be the same as the payment service described in the embodiment, but an example is given in which the payment service that the payment medium corresponds to is different from the payment service described in the embodiment. Variation 1 takes as an example a case where the payment medium corresponds to multiple payment services. For example, the payment medium corresponds to two payment services: a credit card payment service and an electronic money payment service. In other words, the payment medium has a function as a credit card and a function as electronic money. The payment medium may correspond to three or more payment services. For example, the payment medium may also have a function as a point card.

[0099] The payment medium records information necessary for payment of the payment service supported by the payment medium. The payment medium of variant 1 records credit card information related to a credit card and electronic money information related to electronic money. For example, the credit card information indicates a credit card number capable of identifying a credit card. The credit card information may indicate other information such as an expiration date or a cardholder. The electronic money information indicates an electronic money number capable of identifying electronic money. The electronic money information may indicate other information such as a balance or a cardholder.

[0100] Fig. 10 is a diagram showing an example of the flow of identity verification using a payment medium. In the first modification, an example is given of identity verification using a payment medium during the flow of setting the payment means to be used. For example, in the state of the instruction screen SC5 in the upper left of Fig. 10, the user selects button B50 and inputs credit card information such as a credit card number to be set as the payment means to be used. The payment server 10 in the first modification determines whether or not the credit card indicated by the credit card information entered by the user has an electronic money function.

[0101] The database showing which credit cards have electronic money attached to them may be stored in the payment server 10 or in another computer. If the database is stored in another computer, the payment server 10 inquires of the other computer whether or not electronic money is attached to the credit card that the user is about to set as the payment method to be used.

[0102] For example, the other computer refers to its own database and determines whether or not electronic money is attached to the credit card that the user is about to set as the payment method to be used. The payment server 10 obtains the determination result from the other computer. If electronic money is not attached to the credit card that the user is about to set as the payment method to be used, the credit card is set as the payment method to be used in the same manner as in the embodiment.

[0103] For example, if the credit card that the user is about to set as the payment method to be used has electronic money attached to it, the user terminal 20 displays a modal M52 indicating that identity verification is possible on the instruction screen SC5, as shown in the upper right of Fig. 10. The user can also set the credit card as the payment method to be used without identity verification by selecting a button B53.

[0104] For example, when the user selects button B54, the NFC function of communication unit 23 of user terminal 20 is activated. As shown in the lower left of FIG. 10, user terminal 20 displays modal M53 on instruction screen SC5, prompting the user to read a credit card. User terminal 20 reads the credit card through wireless communication. User terminal 20 may read credit card information of the credit card, but in variant 1, reads electronic money information of the credit card. User terminal 20 transmits the electronic money information to payment server 10.

[0105] The identity verification execution unit 102 of the first modified example performs identity verification based on electronic money information acquired by the user terminal 20 from a payment medium via wireless communication. Electronic money information is an example of payment information. Therefore, any section describing electronic money information may be read as payment information. The payment information may be any information recorded in the payment medium. For example, the payment information may be information such as a credit card number, information such as a point card number, information such as a debit card number, or other information.

[0106] For example, the identity verification execution unit 102 determines whether the electronic money information associated with the credit card information of the credit card that the user is about to set as the payment method to be used (i.e., the electronic money information that is the correct answer at the time of identity verification) matches the electronic money information acquired by the user terminal 20 from the payment medium via wireless communication. If they match, identity verification is successful. The association between the credit card information and the electronic money information may be stored in the data storage unit 100 or in another computer as mentioned above.

[0107] In addition, when a user ID is associated with each of the credit card information and the electronic money information, the identity verification execution unit 102 may determine whether or not the user ID associated with the credit card information of the credit card that the user is about to set as the payment method to be used matches the user ID associated with the electronic money information acquired by the user terminal 20 from the payment medium via wireless communication. If they match, identity verification is successful. The association between each of the credit card information and the electronic money information and the user ID may be stored in the data storage unit 100 or in the other computer described above.

[0108] The payment system 1 of the first modified example includes a setting unit 104. When identity verification is performed, the setting unit 104 sets the payment medium as the payment method to be used by the user. In the first modified example, since the payment medium is a credit card, the credit card used in identity verification is set as the payment method to be used, as shown in the lower right of FIG. 10. In the example in the lower right of FIG. 10, since the "AAA card" is a credit card with electronic money attached and identity verification using electronic money information has been completed, the user level becomes level 3. Note that the user may also perform identity verification using an identity document in this state.

[0109] It should be noted that the credit card used for identity verification does not have to be set as the payment method to be used. In this case, the user uses the credit card with attached electronic money only for identity verification. After identity verification is completed, the credit card is not set as the payment method to be used. The user may be allowed to freely choose whether or not to set the credit card with attached electronic money used for identity verification as the payment method to be used.

[0110] In addition, the usage restrictions of a specific function such as withdrawing electronic money may be lifted when identity verification based on the identity verification document described in the embodiment is completed. The usage restrictions of the specific function may not be lifted when identity verification based on the credit card with electronic money described in the first modification is completed.

[0111] The payment system 1 of the first modification executes identity verification based on payment information acquired by the user terminal 20 from a payment medium via wireless communication. The payment system 1 can execute identity verification by a simple means such as wireless communication, which increases user convenience. For example, the payment system 1 can improve the security of the payment service because identity verification cannot be successful unless there is a physical payment medium that is difficult for a malicious third party to obtain.

[0112] Furthermore, when identity verification is performed, the payment system 1 sets the payment medium as the payment means to be used by the user. Since the payment system 1 can perform identity verification during the process of setting the payment means to be used, it is more convenient for the user.

[0113] [6-2. Variation 2] For example, in the embodiment, two methods have been described for a level 1 user to remove usage restrictions: setting the payment method to be used and performing identity verification. At least one of these may be suggested in the instruction screen SC5. The payment system 1 of the second modification includes a display control unit 105. The display control unit 105 causes the user terminal 20 to display various screens.

[0114] The display control unit 105 transmits data of the screen to be displayed (e.g., image data of an image to be fitted into a frame showing the screen layout of the payment app, or HTML data) to the user terminal 20, thereby causing the screen to be displayed on the user terminal 20. In the second modification, the display control unit 105 causes the user terminal 20 to display an instruction screen SC5 including a setting instruction portion for the user to instruct the setting of the payment means to be used, and an execution instruction portion for the user to instruct the execution of identity verification.

[0115] The setting instruction portion and the execution instruction portion are each a part of the instruction screen SC5. In the second modification, the portion of the instruction screen SC5 where the button B50 is displayed corresponds to the setting instruction portion. The portion of the instruction screen SC5 where the button B51 is displayed corresponds to the execution instruction portion. The setting instruction portion and the execution instruction portion are not limited to the buttons B50 and B51. For example, the setting instruction portion and the execution instruction portion may each be a portion where an image other than the buttons B50 and B51 is displayed, a portion where text indicating the setting of the payment means to be used or the execution of identity verification is displayed, a portion where a link for setting the payment means to be used or the execution of identity verification is displayed, or other portions.

[0116] 11 is a diagram showing an example of an instruction screen SC5 of Modification 2. The method of displaying the instruction screen SC5 is as described in the embodiment. The instruction screen SC5 of Modification 2 differs in part from the embodiment. For example, the display control unit 105 causes the user terminal 20 to display an instruction screen SC5 that suggests at least one of a setting instruction portion and an execution instruction portion to the user based on payment method information associated with user identification information that can identify the user.

[0117] In the second modification, it is assumed that the user's payment method information is managed in a service other than the payment service. Furthermore, it is assumed that the user ID of the payment service is the same as the user ID of the other service. If these user IDs are different, it is assumed that the association of these user IDs is managed by the payment server 10 or the computer of the other service. This association makes it possible to identify which user ID belongs to which user.

[0118] Proposing at least one of the setting instruction part and the execution instruction part to the user means highlighting and displaying at least one of the setting instruction part and the execution instruction part. For example, displaying a predetermined icon (e.g., an icon indicating that the setting of the payment means to be used is recommended, or an icon indicating that the execution of identity verification is recommended) in at least one of the setting instruction part and the execution instruction part, displaying a predetermined text (e.g., text indicating that the setting of the payment means to be used is recommended, or text indicating that the execution of identity verification is recommended), or changing the display mode of at least one of the setting instruction part and the execution instruction part corresponds to highlighting and displaying at least one of the setting instruction part and the execution instruction part. The display mode refers to size, color, effect, etc.

[0119] The display control unit 105 may cause the user terminal 20 to display an instruction screen SC5 proposing both the setting instruction portion and the execution instruction portion, or may cause the user terminal 20 to display an instruction screen SC5 proposing only either the setting instruction portion or the execution instruction portion. The relationship data indicating the relationship between the conditions of the payment method information and the portion of the setting instruction portion and the execution instruction portion to be proposed is assumed to be defined in advance in the data storage unit 100. The relationship data may be in any format. For example, the relationship data may be in a table format, or may be incorporated into part of the program code. The display control unit 105 identifies the portion of the setting instruction portion and the execution instruction portion to be proposed based on the payment method information and the relationship data.

[0120] For example, when the payment method information is predetermined payment method information, the display control unit 105 causes the user terminal 20 to display an instruction screen SC5 that suggests a setting instruction portion to the user. This instruction screen SC5 is the example shown at the top of FIG. 11. The predetermined payment method information is the payment method information of the payment method for which the setting instruction portion should be suggested to the user. For example, the payment method information indicates a credit card of a specific card company (for example, a card company affiliated with a company that provides payment services). The predetermined payment method information may be other payment method information. For example, the predetermined payment method information may indicate a predetermined bank account, a predetermined electronic money, or a predetermined point card.

[0121] For example, when the payment method information is not a predetermined payment method information, the display control unit 105 causes the user terminal 20 to display an instruction screen SC5 that suggests a setting instruction portion to the user. This instruction screen SC5 is the example shown at the bottom of FIG. 11. When the payment method information does not indicate a credit card of a specific card company, but a credit card of another company or a specific bank account, the display control unit 105 causes the user terminal 20 to display an instruction screen SC5 that suggests an execution instruction portion to the user. When none of the above cases apply, the display control unit 105 may cause the user terminal 20 to display an instruction screen SC5 that suggests nothing, as shown in the lower left of FIG. 3.

[0122] It should be noted that the method in which the display control unit 105 suggests at least one of the setting instruction portion and the execution instruction portion to the user is not limited to the example in Fig. 11. For example, when the payment method information indicates a credit card of another company or a specific bank account rather than a credit card of a specific card company, the display control unit 105 may cause the user terminal 20 to display an instruction screen SC5 that suggests the setting instruction portion to the user. When the payment method information indicates a credit card of a specific card company, the display control unit 105 may cause the user terminal 20 to display an instruction screen SC5 that suggests both the setting instruction portion and the execution instruction portion to the user.

[0123] Furthermore, the instruction screen including the setting instruction portion and the execution instruction portion is not limited to the example of the instruction screen SC5 in FIG. 11. When the setting instruction portion and the execution instruction portion are included in the modal of the payment screen SC4, the payment screen SC4 may correspond to the instruction screen. For example, when the setting instruction portion and the execution instruction portion are included in the modal of a screen other than the payment screen SC4, the other screen may correspond to the instruction screen. When the setting instruction portion and the execution instruction portion are included in a display area other than the modal, the screen including the other display area may correspond to the instruction screen. For example, a screen displayed from the menu of the payment app may correspond to the instruction screen including the setting instruction portion and the execution instruction portion.

[0124] The payment system 1 of the second modification causes the user terminal 20 to display an instruction screen SC5 that suggests at least one of a setting instruction portion and an execution instruction portion to the user based on the payment method information associated with the user ID. The suggestions on the instruction screen SC5 make it easier for the user to decide whether to set the payment method to be used or to execute identity verification, thereby improving user convenience.

[0125] Furthermore, when the payment method information is predetermined payment method information, the payment system 1 causes the user terminal 20 to display an instruction screen SC5 that suggests a setting instruction portion to the user. When the payment method information is not predetermined payment method information, the payment system 1 causes the user terminal 20 to display an instruction screen SC5 that suggests an execution instruction portion to the user. This allows the payment system 1 to encourage the setting of a specific payment method as the payment method to be used.

[0126] [6-3. Variation 3] For example, the display control unit 105 may display information regarding the second usage restriction on the instruction screen SC5 in association with the setting instruction portion, and display information regarding the lifting of the first usage restriction on the instruction screen SC5 in association with the execution instruction portion. The information regarding the second usage restriction indicates at least one of the specific content of the second usage restriction and a method for lifting the second usage restriction. The information regarding the lifting of the first usage restriction indicates at least one of the specific content of the usage restriction after the first usage restriction is lifted (e.g., the content of the third usage restriction) and a method for lifting the first usage restriction.

[0127] FIG. 12 is a diagram showing an example of an instruction screen SC5 of the third modified example. In the example of FIG. 12, the specific content of the second usage restriction is displayed in the button B50, which corresponds to the display control unit 105 displaying information related to the second usage restriction in association with the setting instruction portion. The display control unit 105 may display information related to the second usage restriction in association with the setting instruction portion by other methods. For example, the display control unit 105 may display information related to the second usage restriction in association with the setting instruction portion by displaying an icon or text including information related to the second usage restriction in or near the setting instruction portion.

[0128] 12, the method for lifting the first usage restriction is indicated in button B51, which corresponds to the display control unit 105 displaying information related to lifting the first usage restriction in association with the execution instruction portion. The display control unit 105 may display information related to lifting the first usage restriction in association with the execution instruction portion by other methods. For example, the display control unit 105 may display information related to lifting the first usage restriction in association with the execution instruction portion by displaying an icon or text including information related to lifting the first usage restriction in or near the execution instruction portion.

[0129] The payment system 1 of the third modification displays information on the second usage restriction on the instruction screen in association with the setting instruction portion, and displays information on the lifting of the first usage restriction on the instruction screen in association with the execution instruction portion. The payment system 1 allows the user to grasp the information on the second usage restriction and the information on the lifting of the first usage restriction, thereby improving user convenience.

[0130] [6-4. Variation 4] For example, when the user is applying for identity verification, the display control unit 105 may display information related to the status of identity verification in association with the execution instruction portion. The status of identity verification is expressed by any one of a plurality of statuses. For example, the status of identity verification is expressed by any one of a status indicating that identity verification has not been applied for, a status indicating that identity verification is being applied for, a status indicating that identity verification needs to be reapplied for, and a status indicating that identity verification has been completed.

[0131] In the fourth modification, identity verification status data indicating the identity verification status is stored in the user database DB1. When the identity verification status of a certain user changes, the identity verification status data of the user is updated by an operation of a payment service staff member. The display control unit 105 can identify the identity verification status of a certain user by referring to the identity verification status data associated with the user ID of the certain user.

[0132] FIG. 13 is a diagram showing an example of an instruction screen SC5 of Modification Example 3. As shown in the upper part of FIG. 13, the display control unit 105 displays text such as "View identity verification application status" in the button B51. When the user selects the text, as shown in the lower part of FIG. 13, the display control unit 105 displays a status screen SC6 showing the identity verification status on the user terminal 20. In the example shown in the lower part of FIG. 13, the status screen SC6 shows that the user is in the process of applying. If the user has not yet applied, text such as "identification application has not been completed" may be displayed on the status screen SC6.

[0133] The information on the identity confirmation status displayed by the display control unit 105 is not limited to the example in FIG. 13. The information on the identity confirmation status may be displayed in a manner that allows the user to visually recognize it. For example, the display control unit 105 may display the information on the identity confirmation status using a notification function of the payment app. The display control unit 105 may display the information on the identity confirmation status on a screen other than the instruction screen SC5. The display control unit 105 may display the information on the identity confirmation status on the user terminal 20 by email, short message service, a notification function of the OS of the user terminal 20 (for example, banner notification or push notification), or other means.

[0134] In the payment system 1 of the fourth modification, when the user is applying for identity verification, information on the status of identity verification is displayed in association with the execution instruction portion. The payment system 1 allows the user to grasp the status of identity verification, thereby improving the user's convenience.

[0135] [6-5. Other Modifications] For example, the above modifications may be combined.

[0136] For example, the payment system 1 may permit a transition from a low user level to a high user level, but may not permit a transition from a high user level to a low user level. When a user whose identity has been verified updates his / her personal information, the payment system 1 may request the user to verify his / her identity again. In this case, the payment system 1 may temporarily set the user level to level 1 until the user performs identity verification again. For example, the usage restrictions may not be three-stage as in this embodiment.

[0137] For example, the functions described as being realized by the payment server 10 may be shared among multiple computers in the payment system 1. In this case, each of the multiple computers may transmit its own processing results to the other computers, thereby realizing the sharing of functions. Some of the functions of the payment server 10 may be realized by the user terminal 20.

[0138] [7. Notes] For example, the payment system according to the present disclosure can be configured as follows. (1) a payment service providing unit that provides a payment service to the user based on a payment means set by the user, and provides the payment service to the user under a predetermined usage restriction even if the user does not set the payment means; an identity verification execution unit that performs identity verification of the user when the identity verification medium of the user is read by the user terminal of the user; a restriction lifting unit that lifts the usage restriction on the user when the identity verification is completed; Payment systems, including: (2) the payment service providing unit provides the user with the payment service under the upper limit of the usage amount set as the usage restriction when the user does not set the payment means to be used; the restriction lifting unit, when the identity verification is completed, lifts the usage restriction on the user by increasing the usage upper limit of the user. A payment system as described in (1). (3) the payment service providing unit provides the payment service to the user based on a predetermined basic payment means when the user has not set the payment means to be used, and prohibits the sending of the basic payment means to other users as the usage restriction; the restriction lifting unit, when the identity verification is completed, permits the user to send the content, thereby lifting the usage restriction on the user. A payment system according to (1) or (2). (4) The identity verification medium is an identity verification document including a facial photograph of the user, The user terminal reads the identification document by photographing the identification document; the identity verification execution unit, when the identity verification document and the face of the user are photographed by the user terminal, executes the identity verification based on a document image showing the identity verification document and a face image showing the face of the user; A payment system according to any one of (1) to (3). (5) The identity verification medium is a payment medium that the user can set as the payment means to be used, The user terminal reads the payment medium via wireless communication; The identity verification execution unit performs the identity verification based on payment information acquired by the user terminal from the payment medium via the wireless communication. A payment system according to any one of (1) to (4). (6) The payment system further includes a setting unit that sets the payment medium as the payment means of the user when the identity verification is performed. (5) A payment system as described above. (7) the payment service providing unit provides the payment service to the user under a predetermined first usage restriction when the user does not set the payment means to be used; the restriction lifting unit lifts the first usage restriction on the user when the identity verification is completed; the payment service providing unit, when the user sets the payment means to be used, provides the user with a payment service under a second usage restriction that is less stringent than the first usage restriction, based on the payment means to be used; A payment system according to any one of (1) to (6). (8) when the identity verification is completed, the payment service providing unit provides the user with the payment service under a third usage restriction that is more relaxed than the second usage restriction. (7) A payment system as described above. (9) the payment system further includes a display control unit that causes the user terminal to display an instruction screen including a setting instruction portion for the user to instruct the setting of the payment means to be used and an execution instruction portion for the user to instruct the execution of the identity verification, the display control unit causes the user terminal to display the instruction screen, which suggests at least one of the setting instruction portion and the execution instruction portion to the user, based on payment method information associated with user identification information capable of identifying the user. A payment system according to (7) or (8). (10) the display control unit, when the payment method information is predetermined payment method information, causes the instruction screen suggesting the setting instruction portion to be displayed on the user terminal, and when the payment method information is not predetermined payment method information, causes the instruction screen suggesting the execution instruction portion to be displayed on the user terminal. (9) A payment system as described above. (11) the display control unit causes information regarding the second usage restriction to be displayed on the instruction screen in association with the setting instruction portion, and causes information regarding the release of the first usage restriction to be displayed on the instruction screen in association with the execution instruction portion. A payment system according to (9) or (10). (12) the display control unit, when the user is applying for the identity verification, displays information regarding a status of the identity verification in association with the execution instruction portion; A payment system according to any one of (9) to (11). [Explanation of symbols]

[0139] 1 payment system, N network, 10 payment server, 11,21 control unit, 12,22 memory unit, 13,23 communication unit, 20 user terminal, 24 operation unit, 25 display unit, 26 photographing unit, 100 data storage unit, 101 payment service providing unit, 102 identity verification execution unit, 103 restriction release unit, 104 setting unit, 105 display control unit, 200 data storage unit, 201 display control unit, 202 transmission unit, B10, B11, B20, B21, B41, B42, B43, B44, B50, B51, B53, B54 button, C40 code, DB1 user database, DB2 usage restriction database, M52, M53 modal, SC1 login screen, SC2 setting screen, SC3 completion screen, SC4 payment screen, SC5 instruction screen, SC6 status screen.

Claims

1. a payment service providing unit that provides a payment service to the user based on a payment means set by the user, and provides the payment service to the user under a first usage restriction when the user does not set the payment means; a display control unit that displays, on a user terminal of the user, an instruction screen including at least one of a setting instruction portion for the user to instruct the setting of the payment means to be used and an execution instruction portion for the user to instruct the execution of identity verification; a restriction lifting unit that lifts the first usage restriction of the user when the payment means to be used is set or when the identity verification is performed; Payment systems, including:

2. The display control unit causes the instruction screen including the setting instruction portion to be displayed on the user terminal when predetermined payment method information is associated with user identification information capable of identifying the user. The payment system according to claim 1 .

3. The display control unit causes the instruction screen including the execution instruction portion to be displayed on the user terminal when predetermined payment method information is not associated with user identification information capable of identifying the user.

3. A payment system according to claim 1 or 2.

4. The display control unit causes the instruction screen, which includes the setting instruction portion and the execution instruction portion and in which the setting instruction portion and the execution instruction portion are distinguished, to be displayed on the user terminal based on payment method information associated with user identification information that can identify the user.

3. A payment system according to claim 1 or 2.

5. The payment service providing unit, When the payment means to be used is set, the payment service is provided to the user under a second usage restriction that is less stringent than the first usage restriction; When the identity verification is performed, the payment service is provided to the user under a third usage restriction that is more relaxed than the second usage restriction.

3. A payment system according to claim 1 or 2.

6. The display control unit, when the setting instruction portion is selected and the payment medium that the user is about to set as the payment means to be used is a predetermined payment medium, displays on the user terminal that the identity verification is possible.

3. A payment system according to claim 1 or 2.

7. The specified payment medium is a credit card to which electronic money is attached. The payment system according to claim 6.

8. The payment system further includes a setting unit that sets the credit card as the payment means to be used when the identity verification is performed based on electronic money information related to the electronic money. The payment system according to claim 7.

9. The payment service comprises: When a credit card to which the electronic money is not attached is set as the payment means to be used, the payment service is provided to the user under a second usage restriction that is more relaxed than the first usage restriction; providing the user with the payment service under a third usage restriction that is less stringent than the second usage restriction when the credit card to which the electronic money is attached is set as the payment means to be used; The payment system according to claim 7.

10. The display control unit causes the instruction screen, in which information regarding a second usage restriction that is more relaxed than the first usage restriction is associated with the setting instruction portion, to be displayed on the user terminal; the payment service providing unit provides the user with the payment service under the second usage restriction when the payment means to be used is set.

3. A payment system according to claim 1 or 2.

11. The display control unit causes the instruction screen, in which information regarding a third usage restriction that is more relaxed than the first usage restriction is associated with the execution instruction portion, to be displayed on the user terminal; the payment service providing unit provides the payment service to the user under the third usage restriction when the identity verification is performed.

3. A payment system according to claim 1 or 2.

12. A computer comprising: a payment service providing step of providing a payment service to the user based on a payment means used set by the user, and providing the payment service to the user under a first usage restriction when the user does not set the payment means used; a display control step of displaying, on a user terminal of the user, an instruction screen including at least one of a setting instruction portion for the user to instruct the setting of the payment means to be used and an execution instruction portion for the user to instruct the execution of identity verification; a restriction lifting step of lifting the first usage restriction on the user when the payment means to be used is set or when the identity verification is performed; The payment method to be performed.

13. A payment service providing unit that provides a payment service to a user based on a payment means set by the user, and provides the payment service to the user under a first usage restriction when the user does not set the payment means to be used; a display control unit that displays, on a user terminal of the user, an instruction screen including at least one of a setting instruction portion for the user to instruct the setting of the payment means to be used and an execution instruction portion for the user to instruct the execution of identity verification; a restriction lifting unit that lifts the first usage restriction on the user when the payment means to be used is set or when the identity verification is performed; A program that makes a computer function as a

Images