Information processing program, information processor, and information processing method

Abstract

To improve convenience of a user using an electronic wallet.SOLUTION: An integral I / F device 10 includes: an acquisition part for acquiring transaction request information which requires transaction using each transaction means selected by a user among a plurality of transaction means managed by an electronic wallet provided on a user terminal and is generated in a format inherent to the electronic wallet, from the user terminal; a control part for controlling the execution of transaction processing with an enterprise device for providing each of the transaction means whose transaction is required by the transaction request information, through an end point; and an output part for outputting information on the result of the transaction processing, to the user terminal.SELECTED DRAWING: Figure 2

Description

Technical Field

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

Background Art

[0002] In recent years, the execution of various transactions using a user's terminal (hereinafter referred to as "user terminal") has been expanding, and various transaction means such as virtual currency, the Pay function of money transfer operators, transportation IC cards, points, and credit cards are installed in the user terminal. For this reason, it has also been considered to manage a plurality of transaction means collectively on an electronic wallet. For example, Non-Patent Document 1 describes that a credit card, a prepaid card, a transportation IC card, a boarding ticket, a movie ticket, a point card, etc. can be managed integrally by an electronic wallet installed in a smartphone.

Prior Art Documents

Patent Documents

[0003]

Non-Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in a conventional electronic wallet, the transaction process between the business operator providing each transaction means registered in the electronic wallet and the user terminal needs to be executed using different interfaces for each transaction means. Therefore, there is a risk that the convenience of users using the electronic wallet cannot be sufficiently ensured.

[0005] The present disclosure has been made in view of such circumstances, and one of the objectives is to provide an information processing program, an information processing apparatus, and an information processing method that can improve the convenience of users who use an electronic wallet.

Means for Solving the Problems

[0006] An information processing program according to an aspect of the present disclosure causes one or more computers to function as an acquisition unit that acquires, from the user terminal, transaction request information that requests a transaction using each transaction means selected by the user from a plurality of transaction means managed by an electronic wallet provided in the user terminal, and that is generated in a format specific to the electronic wallet; a control unit that controls execution of a transaction process with a merchant device that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint; and an output unit that outputs information regarding the result of the transaction process to the user terminal.

[0007] An information processing apparatus according to another aspect of the present disclosure includes an acquisition unit that acquires, from the user terminal, transaction request information that requests a transaction using each transaction means selected by the user from a plurality of transaction means managed by an electronic wallet provided in the user terminal, and that is generated in a format specific to the electronic wallet; a control unit that controls execution of a transaction process with a merchant device that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint; and an output unit that outputs information regarding the result of the transaction process to the user terminal.

[0008] In an information processing method according to another aspect of the present disclosure, an information processing apparatus acquires, from the user terminal, transaction request information that requests a transaction using each transaction means selected by the user from among a plurality of transaction means managed by an electronic wallet provided in the user terminal, and that is generated in a format unique to the electronic wallet. The information processing apparatus controls the execution of a transaction process with a merchant apparatus that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint, and outputs information regarding the result of the transaction process to the user terminal.

Effect of the Invention

[0009] According to one aspect of the present disclosure, the convenience of a user who uses an electronic wallet can be improved.

Brief Description of the Drawings

[0010]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Mode for Carrying Out the Invention

[0011] Hereinafter, an information processing system according to an embodiment of the present invention will be described in detail with reference to the drawings. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0012] (Overview) FIG. 1 is a diagram showing an example of a conventional electronic wallet. For example, as shown in FIG. 1, in the electronic wallet provided in the user terminal, a plurality of transaction means such as payment means #1, #2, and point card #3 are managed. The payment means #1, #2, and point card are provided by devices of different operators (hereinafter referred to as "operator devices") #1, #2, and #3, respectively.

[0013] As shown in FIG. 1, when the payment means #1 is selected by the user from the electronic wallet, the transaction process between the user terminal and the operator via the endpoint with the operator providing the payment means #1 is executed using the interface unique to the payment means #1. Thus, in the conventional electronic wallet, the transaction process via the endpoint with each operator providing a plurality of transaction means managed in the electronic wallet is executed using a different interface for each transaction means. That is, in the conventional electronic wallet, in the transaction-side interface (hereinafter referred to as "transaction-side I / F") including the endpoint and the operator device, a plurality of transaction means are not integrated separately, and in the user-side interface (hereinafter referred to as "user-side I / F"), it only seems that a plurality of transaction means are integrally managed.

[0014] Therefore, in the conventional electronic wallet shown in FIG. 1, for example, it is not assumed that the user selects the payment means #1 and the point card #3 at the same time when purchasing a product at a store, and the user terminal needs to perform the payment process using the payment means #1 and the point addition process for the point card #3 separately. Thus, in the conventional electronic wallet, there is a risk that the convenience of the user cannot be sufficiently ensured.

[0015] Therefore, in the electronic wallet according to the present embodiment, by providing an integrated interface (I / F) device 10 between the user terminal and the endpoint, not only the user-side I / F but also the transaction-side I / F integrates a plurality of transaction means managed by the electronic wallet.

[0016] FIG. 2 is a conceptual diagram of an example of an information processing system using the electronic wallet according to the present embodiment. For example, in FIG. 2, similar to FIG. 1, a plurality of transaction means such as payment means #1, #2 and a point card #3 are managed in the electronic wallet 201 provided in the user terminal 20. The payment means #1, #2 and the point card #3 are provided by different operator devices 40A, 40B and 40C, respectively. On the other hand, in FIG. 2, an integrated I / F device 10 is provided between the user terminal 20 and the endpoint 30. Hereinafter, when the operator devices 40A, 40B and 40C are not distinguished, they are collectively referred to as the operator device 40.

[0017] For example, in FIG. 2, assume a case where the payment means #1 and the point card #3 are selected by the user from the electronic wallet 201. In this case, the integrated I / F device 10 acquires, from the user terminal 20, information for requesting a transaction using each of the payment means #1 and the point card #3 (hereinafter referred to as "transaction request information"), which is transaction request information generated in a format unique to the electronic wallet 201. The integrated I / F device 10 controls the execution of transaction processing between the user terminal 20 and each of the operator devices 40A and 40C via the endpoint 30 based on the transaction request information. The integrated I / F device 10 outputs information regarding the result of the transaction processing (hereinafter referred to as "transaction result information") to the user terminal 20.

[0018] As described above, in this embodiment, the transaction process with the merchant device 40 that provides each of the plurality of transaction means managed by the electronic wallet 201 is executed using the transaction request information generated in the format specific to the electronic wallet (i.e., the interface specific to the electronic wallet), instead of different interfaces for each transaction means. Therefore, in the electronic wallet according to this embodiment, not only the user-side interface but also the transaction-side interface can integrate a plurality of transaction means.

[0019] Therefore, for example, when a user simultaneously selects payment means #1 and point card #3 from the electronic wallet 201 when purchasing a product at a store, the user terminal 20 can transmit transaction request information for requesting transactions using each of the payment means #1 and point card #3 to the integrated I / F device 10. Based on the transaction request information, the integrated I / F device 10 controls the execution of the payment process using the payment means #1 and the point awarding process for the point card #3. Thus, on the transaction-side I / F of the electronic wallet 201, there is no need to separately request transaction processes using the payment means #1 and the point card #3, and the payment means #1 and the point card #3 can be integrated and managed. In this way, by providing the integrated I / F device 10, the user does not need to separately perform the payment process based on the payment means #1 and the point awarding process based on the point card #3, so the convenience of the user of the electronic wallet can be improved.

[0020] (Configuration) <Schematic Configuration> FIG. 3 is a diagram showing the schematic configuration of the information processing system according to this embodiment. As shown in FIG. 3, the information processing system 1 includes an integrated I / F device 10, a user terminal 20, an endpoint 30, merchant devices 40 (here, merchant devices 40A, 40B, and 40C), and a network 50 that connects at least two of these. Also, FIG. 4 is merely an example, and the number of user terminals 20, endpoints 30, and merchant devices 40 is not limited to those shown.

[0021] The integrated I / F device 10 is an information processing device that connects to the electronic wallet 201 provided in the user terminal 20 via the transaction-side I / F. The transaction-side I / F is an interface unique to the electronic wallet 201 regardless of each transaction means managed by the electronic wallet 201. Further, the integrated I / F device 10 connects to the endpoint 30 via an interface unique to each transaction means available at the endpoint 30. Note that the integrated I / F device 10 may be composed of one or more information processing devices.

[0022] The user terminal 20 is a terminal used by the user and includes the electronic wallet 201. The user terminal 20 may be, for example, a smartphone, a tablet, a personal computer, or the like. The electronic wallet 201 is a means for managing a plurality of transaction means used by the user. Each transaction means may be, for example, a means for conducting transactions using electronic value managed in a prepaid, central bank digital currency (CBDC) account, an account for P2P (Peer-to-Peer) transactions, a transportation IC, an account for the Pay function of a funds transfer operator, an account for online commerce, an account for store use, or an account of a financial institution (e.g., a bank account, a securities account, or a foreign exchange account).

[0023] The endpoint 30 is a terminal that terminates the merchant device 40 that provides each transaction means. The endpoint 30 may be, for example, a store terminal, a cash register terminal, or the like, but is not limited thereto.

[0024] The merchant device 40 is a device of a merchant that provides each transaction means and may be composed of one or more information processing devices. The merchant device 40 conducts transaction processing using each transaction means with the user terminal 20 via the endpoint 30. Note that the merchant device 40 may provide one transaction means or a plurality of transaction means.

[0025] The network 50 is a wireless and / or wired network that connects at least two of the integrated I / F device 10, the user terminal 20, the endpoint 30, and the operator device 40.

[0026] <Hardware Configuration> FIG. 4 is a diagram showing an example of the hardware configuration of the information processing apparatus according to the present embodiment. Each information processing apparatus (for example, the integrated I / F device 10, the user terminal 20, the endpoint 30, the operator device 40, etc.) includes a processor 11 such as a CPU (Central Processing Unit) corresponding to an arithmetic device, a storage unit 12, a transmission / reception unit 13, and an input / output unit 14. These components are connected to be able to transmit and receive data to and from each other via a bus.

[0027] The processor 11 is, for example, a CPU (Central Processing Unit) that controls each device in the information processing system 1. The processor 11 may execute various processes described in the present embodiment by reading a program from the storage unit 12 and executing it. Each device in the information processing system 1 may be configured by one or more processors 11. Also, each of these devices may be called a computer.

[0028] The storage unit 12 is composed of, for example, a memory, a storage such as an HDD (Hard Disk Drive) and / or an SSD (Solid State Drive). The storage unit 12 may store various information necessary for the execution of processing by the processor 11 (for example, a program executed by the processor 11).

[0029] The transmission / reception unit 13 is a device that communicates via the network 50 and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transmission / reception unit 13 may include a transmission unit that transmits various information via the network 50 and / or a reception unit that receives various information via the network 50.

[0030] The input / output unit 14 includes, for example, an input unit such as a keyboard, a touch panel, a mouse, and / or a microphone, and an output unit such as a display and / or a speaker. The input unit receives the input of various information from the user. Further, the output unit may include a display unit that displays various information to the user.

[0031] The hardware configuration described above is merely an example. In each information processing apparatus, some of the hardware described in FIG. 4 may be omitted, or the apparatus may be provided with hardware not described in FIG. 4. Further, the hardware shown in FIG. 4 may be constituted by one or a plurality of chips. In addition, when the information processing apparatus is constituted by a plurality of apparatuses, each apparatus may include at least a part of these hardware.

[0032] <Functional configuration> FIG. 5 is a diagram showing an example of the functional configuration of the integrated I / F device 10 and the user terminal 20 according to the present embodiment.

[0033] ≪Integrated I / F device 10≫ As shown in FIG. 5, the integrated I / F device 10 includes a management unit 101, an acquisition unit 102, a control unit 103, and an output unit 104. Note that the management unit 101 may be realized by at least a part of a program executed by the storage unit 12 and the processor 11 of the integrated I / F device 10. The acquisition unit 102, the control unit 103, and the output unit 104 may be realized by at least a part of a program executed by the transmission / reception unit 13, the input / output unit 14, and the processor 11 of the integrated I / F device 10.

[0034] The management unit 101 manages at least one of information regarding the electronic wallet 201 included in the user terminal 20 (hereinafter referred to as "wallet information") and information regarding the endpoint (hereinafter referred to as "endpoint information").

[0035] FIG. 6 is a diagram showing an example of wallet information according to the present embodiment. As shown in FIG. 6, the wallet information may include at least one of information regarding the user of the electronic wallet 201 (hereinafter referred to as "user information") and information regarding each of a plurality of transaction means managed by the electronic wallet 201 (hereinafter referred to as "transaction means information").

[0036] As shown in FIG. 6, the user information may include at least one of an identifier of the user (hereinafter referred to as "user identifier"), information regarding the authentication of the user (hereinafter referred to as "user authentication information"), and information regarding the attributes of the user (hereinafter referred to as "user attribute information"). The user identifier may be, for example, at least one of an ID, an email address, a mobile phone number, identification information of the user terminal 20, and any identification information. The user authentication information may be, for example, at least one of a password, information regarding the user's biometrics, and information regarding other authentication means. The user attribute information may include, for example, at least one of the user's name, corporate name, store name, contact information, address, age, and gender.

[0037] The transaction means information may include, for example, at least one of an identifier of each transaction means (hereinafter referred to as "transaction means identifier") managed by the electronic wallet 201 of the user indicated by the user information, information regarding the type of each transaction means (hereinafter referred to as "transaction type information"), information regarding at least one of the operator and the operator device 40 that provides each transaction means (hereinafter referred to as "operator information"), and information regarding the priority order of each transaction means (hereinafter referred to as "first priority order information").

[0038] For example, the wallet information in FIG. 6 indicates that the electronic wallet 201 of user X manages transaction means #1 and #2 (e.g., the settlement means #1 and #2 in FIG. 2) where the transaction type information indicates "settlement", and transaction means #3 (e.g., the point card #3 in FIG. 2) where the transaction type information indicates "point card". Note that the transaction type information is not limited to "settlement" and "point card", and may indicate the type related to any transaction, such as "membership (membership card)", "data used for contract", or "electronic certificate", etc.

[0039] Also, in FIG. 6, the first priority information indicates that the priorities of transaction means #1, #2, and #3 managed by the electronic wallet 201 of user X are "1", "2", and "3" respectively. Note that in FIG. 6, the smaller the value of the first priority information, the higher the priority, but the notation method of the priority is not limited to the illustrated one. Also, the merchant information indicates that transaction means #1, #2, and #3 are provided by merchants A, B, and C indicated by the merchant information respectively.

[0040] Note that FIG. 6 is merely an example, and the wallet information is not limited to what is illustrated. The wallet information may include information (hereinafter referred to as "combination information") regarding combinations of transaction means that can be selected by the user from among a plurality of transaction means managed by the electronic wallet 201. For example, the combination information indicates that combinations of transaction means #1 and #3 with different transaction type information and combinations of transaction means #2 and #3 are allowed, but may also indicate that a combination of transaction means #1 and #2 with the same transaction type information is rejected. Also, a combination of specific transaction means may be rejected.

[0041] FIG. 7 is a diagram showing an example of endpoint information according to the present embodiment. As shown in FIG. 7, the endpoint information may include at least one of an identifier of the endpoint 30 (hereinafter referred to as "EP identifier"), information regarding the attributes of the endpoint 30 (hereinafter referred to as "EP attribute information"), a transaction means identifier indicating each transaction means available at the endpoint 30, and transaction type information regarding the type of each transaction means available at the endpoint 30.

[0042] The EP identifier may be, for example, at least one of identification information of the endpoint 30 such as an ID, an email address, a telephone number, and an IP address of the endpoint 30. The EP attribute information may include, for example, at least one of a corporate name, a business name, a contact, an address, an email address, a URL, etc. regarding the endpoint 30.

[0043] For example, the endpoint information shown in FIG. 7 indicates that the endpoint 30 identified by the EP identifier "E1" can use three transaction means #1, #3, and #4 whose transaction types are "settlement", "point card", and "membership (membership card)", respectively. Also, in FIG. 7, the second priority information indicates that the priorities of the transaction means #1, #3, and #4 available at the endpoint 30 identified by the EP identifier "E1" are "1", "2", and "3", respectively. Note that in FIG. 7, the smaller the value of the second priority information, the higher the priority, but the method of expressing the priority is not limited to that shown in the figure.

[0044] Note that FIG. 7 is merely an example, and the endpoint information is not limited to that shown in the figure. The endpoint information may include at least one of information regarding the conditions for the endpoint 30 to use the integrated I / F device 10 (hereinafter referred to as "condition information"), information regarding the interface for the endpoint 30 to use the integrated I / F device 10 (hereinafter referred to as "endpoint I / F information"), and information regarding the priority of each transaction means provided by the endpoint 30 (hereinafter referred to as "second priority information").

[0045] The conditional information may include, for example, at least one of a fee for the endpoint 30 to use the integrated I / F device 10, a contract, various setting items, etc. The endpoint I / F information is, as an interface for performing processing related to transactions via the endpoint 30, the terminal type of the endpoint 30 (e.g., a payment terminal, a smartphone, a tablet), the communication means supported by the endpoint 30 (e.g., the Internet, wireless LAN, etc.), and information related to at least one of the APIs (Application Programming Interfaces) supported by the endpoint 30, etc.

[0046] The acquisition unit 102 acquires, from the user terminal 20, transaction request information that requests a transaction using each transaction means selected by the user from among a plurality of transaction means managed by the electronic wallet 201 provided in the user terminal 20, and the transaction request information is generated in a format unique to the electronic wallet 201.

[0047] The acquisition unit 102 acquires, from the endpoint 30, information regarding the result of the transaction process using each transaction means for which a transaction is requested by the transaction request information (hereinafter, "transaction result information"). The acquisition unit 102 may integrate each transaction result information in the format for each transaction means acquired from the endpoint 30 into the transaction result information in the format unique to the electronic wallet 201.

[0048] FIG. 8 is a diagram showing an example of the format unique to the electronic wallet 201 according to the present embodiment. As shown in FIG. 8, the transaction request information acquired from the user terminal 20 by the acquisition unit 102 may include user information regarding the user of the electronic wallet 201, identifiers of each transaction means selected by the user from among a plurality of transaction means managed by the electronic wallet 201, and information regarding transactions using each transaction means (hereinafter referred to as "transaction information").

[0049] For example, when transaction means #1, #2, and #3 (e.g., payment means #1, #2, and point card #3 in FIG. 2) managed by the electronic wallet 201 are selected by the user, the transaction request information may include user information regarding the user, identifiers of each of transaction means #1 and #3, and transaction information of each of transaction means #1 and #3. Even if the transaction information of transaction means #1 and #3 is in different formats, since the transaction information of transaction means #1 and #3 is encapsulated into the transaction request information in the format unique to the electronic wallet 201, a plurality of transaction means managed by the electronic wallet 201 can also be integrated at the transaction-side I / F of the electronic wallet 201.

[0050] Also, the transaction result information acquired from the endpoint 30 by the acquisition unit 102 may include user information regarding the user of the electronic wallet 201 and information regarding the result of the transaction process using each transaction means requested by the above transaction request information (hereinafter referred to as "processing result information"). Thus, even if the processing result information of transaction means #1 and #3 is in different formats, since the processing result information of transaction means #1 and #3 is encapsulated into the transaction result information in the format unique to the electronic wallet 201, a plurality of transaction means managed by the electronic wallet 201 can also be integrated at the transaction-side I / F of the electronic wallet 201.

[0051] The control unit 103 controls the execution of the transaction process with the merchant device 40 that provides each transaction means requested for transaction by the transaction request information acquired from the user terminal 20 by the acquisition unit 102 via the endpoint 30. Specifically, the control unit 103 controls the execution of the transaction process via the endpoint 30 with the merchant device 40 that provides each of the transaction means based on at least one of the wallet information and the endpoint information managed by the management unit 101.

[0052] For example, the control unit 103 may control the execution of transaction processing with the service provider device 40 that provides each transaction means based on the priority of each transaction means indicated by the first priority information managed by the management unit 101. For example, as shown in FIG. 6, according to the first priority information managed by the management unit 101, the priorities of the transaction means #1, #2, and #3 managed by the electronic wallet 201 of user X are "1", "2", and "3", respectively. And when a transaction using the transaction means #1 and #3 is requested by the transaction request information, the control unit 103 may execute the transaction processing with the service provider device 40A that provides the transaction means #1 prior to the transaction processing with the service provider device 40C that provides the transaction means #3.

[0053] In addition, the control unit 103 may control the execution of transaction processing with the service provider device 40 that provides each transaction means based on the priority of each transaction means indicated by the second priority information managed by the management unit 101. For example, as shown in FIG. 7, according to the second priority information managed by the management unit 101, the priorities of the transaction means #1, #3, and #4 available at the endpoint 30 are "1", "2", and "3", respectively. And when a transaction using the transaction means #1 and #3 is requested by the transaction request information, the control unit 103 may execute the transaction processing with the service provider device 40A that provides the transaction means #1 prior to the transaction processing with the service provider device 40C that provides the transaction means #3.

[0054] In addition, when at least one transaction means requested for a transaction by the transaction request information acquired by the acquisition unit 102 from the user terminal 20 is not available at the endpoint 30, the control unit 103 may control the execution of the transaction processing of each transaction means requested for a transaction by the transaction request information based on the first or second priority information managed by the management unit 101.

[0055] For example, when transaction means #2 and #3 are selected by the user from among transaction means #1, #2, and #3 (e.g., settlement means #1, #2, and point card #3 in FIG. 2) managed by the electronic wallet 201, as shown in FIG. 7, since the endpoint 30 identified by the EP identifier "E1" does not support transaction means #2, the control unit 103 may execute a transaction process with the merchant device 40C that provides transaction means #3, which is the next priority, based on the first or second priority information, without executing a transaction process with the merchant device 40B that provides transaction means #2.

[0056] Further, the control unit 103 may limit the execution of a transaction process with the merchant device 40 that provides at least one transaction means for which a transaction is requested by the transaction request information based on the combination information managed by the management unit 101. Further, the control unit 103 may limit the execution of a transaction process with the merchant device 40 based on the combination information and the first or second priority information. For example, when a transaction using transaction means #1 and #2 indicating the same "settlement" in terms of transaction type information is requested by the transaction request information, the control unit 103 may execute only the transaction using transaction means #1 with a higher priority based on the first or second priority information, and limit the execution of the transaction using transaction means #2 with a lower priority.

[0057] The output unit 104 outputs various information to the user terminal 20. Specifically, the output unit 104 may output transaction result information in a format specific to the electronic wallet 201 to the user terminal 20. The transaction result information includes, for example, process result information regarding the result of a transaction process with the merchant device 40 that provides each transaction means acquired from the endpoint 30, as shown in FIG. 8.

[0058] ≪User Terminal 20≫ As shown in FIG. 5, the user terminal 20 includes an electronic wallet 201, an input reception unit 202, a generation unit 203, and an output unit 204. Note that the electronic wallet 201 may be realized by at least a part of the storage unit 12 of the user terminal 20 and a program executed by the processor 11. The input reception unit 202, the generation unit 203, and the output unit 204 may be realized by at least a part of the transmission / reception unit 13, the input / output unit 14 of the user terminal 20, and a program executed by the processor 11.

[0059] The electronic wallet 201 manages a plurality of transaction means available in the user terminal 20. The electronic wallet 201 may manage information (for example, balance, remaining points, etc.) regarding each of the plurality of transaction means.

[0060] The input reception unit 202 receives an input of information indicating each transaction means selected by the user from among the plurality of transaction means managed by the electronic wallet 201. For example, the input reception unit 202 may receive an input of information indicating each transaction means selected by the user via the input / output unit 14.

[0061] The generation unit 203 generates transaction request information for requesting a transaction for each transaction means indicated by the information received by the input reception unit 202. As shown in FIG. 8, the generation unit 203 generates the transaction request information in a format unique to the electronic wallet 201.

[0062] The output unit 204 outputs various information to the user. Specifically, the output unit 204 may output transaction result information in a format unique to the electronic wallet 201 to the user.

[0063] (Operation) Next, the operation in the information processing system 1 according to the present embodiment will be described. FIG. 9 is a diagram showing an example of the operation of the information processing system according to the present embodiment. Note that FIG. 9 is merely an example, and the order of some steps may be changed, steps not shown may be added, or some steps may be omitted.

[0064] As shown in FIG. 9, in step S101, the user terminal 20 receives an input of information indicating each transaction means selected by the user from among a plurality of transaction means managed by the electronic wallet 201. For example, in FIG. 9, it is assumed that transaction means #2 and #3 are selected by the user from among transaction means #1, #2, and #3 (for example, payment means #1, #2, and point card #3 in FIG. 2) managed by the electronic wallet 201.

[0065] In step S102, the user terminal 20 generates transaction request information for requesting a transaction using each transaction means selected by the user in a format unique to the electronic wallet 201, and transmits it to the integrated I / F device 10. The transaction request information may include, for example, as shown in FIG. 8, user information regarding the user, identifiers of each of transaction means #1 and #3, and transaction information of each of transaction means #1 and #3. The integrated I / F device 10 acquires the transaction request information from the user terminal 20.

[0066] In step S103, the integrated I / F device 10 controls the execution of transaction processing with the merchant device 40 that provides each transaction means requested for a transaction by the transaction request information acquired from the user terminal 20 via the endpoint 30.

[0067] Specifically, the integrated I / F device 10 may control the execution of transaction processing with the merchant device 40 that provides each transaction means based on the priority of each transaction means indicated by the first priority information managed by the management unit 101. For example, according to the first priority information shown in FIG. 6, since the priority of transaction means #1 is higher than the priority of transaction means #3, the integrated I / F device 10 may determine to prioritize the transaction processing with the merchant device 40A that provides transaction means #1 over the transaction processing with the merchant device 40C that provides transaction means #3.

[0068] In step S104, the integrated I / F device 10 transmits, to the endpoint 30, transaction request information for requesting a transaction process using the transaction means #1 based on the transaction information of the transaction means #1 included in the transaction request information acquired in step S102. The transaction request information may be in a format specific to the transaction means #1.

[0069] In step S105, a transaction process based on the transaction request information transmitted from the endpoint 30 in step S104 is executed between the endpoint 30 and the operator device 40A that provides the transaction means #1. In step S106, the endpoint 30 transmits, to the integrated I / F device 10, process result information indicating the result of the transaction process in step S105. The process result information may be in a format specific to the transaction means #1.

[0070] In step S107, the integrated I / F device 10 transmits, to the endpoint 30, transaction request information for requesting a transaction process using the transaction means #3 based on the transaction information of the transaction means #3 included in the transaction request information acquired in step S102. The transaction request information may be in a format specific to the transaction means #3.

[0071] In step S108, a transaction process based on the transaction request information transmitted from the endpoint 30 in step S107 is executed between the endpoint 30 and the operator device 40C that provides the transaction means #3. In step S109, the endpoint 30 transmits, to the integrated I / F device 10, process result information indicating the result of the transaction process in step S107. The process result information may be in a format specific to the transaction means #3.

[0072] In step S110, the integrated I / F device 10 generates transaction result information in a format specific to the electronic wallet 201 based on the process result information indicating the result of the transaction process using the transaction means #1 acquired in step S106 and the process result information indicating the result of the transaction process using the transaction means #1 acquired in step S109.

[0073] In step S111, the integrated I / F device 10 transmits the transaction result information generated in step S110 to the user terminal 20.

[0074] As described above, in the information processing system 1 according to the present embodiment, since the format unique to the electronic wallet 201 is used between the electronic wallet 201 of the user terminal 20 and the integrated I / F device 10, not only the user-side I / F of the electronic wallet 201 but also the transaction-side I / F can integrate a plurality of transaction means managed by the electronic wallet 201, improving the convenience for the user.

[0075] For example, according to the operation shown in FIG. 9, when purchasing a product at a store, the user can simultaneously select transaction means #1 as a transaction means and transaction means #3 as a point card, and request transactions using each of the transaction means #1 and #3 with a single transaction request information. The integrated I / F device 10 controls the execution of the settlement process using the transaction means #1 and the process of awarding points to the transaction means #3 based on the transaction request information, so that the user does not need to perform the settlement process and the point awarding process separately, improving the convenience for the user of the electronic wallet 201.

[0076] Note that FIG. 9 is merely an example, and it is of course possible that a single transaction means is selected from the electronic wallet 201 by the user, and the transaction request information for requesting a transaction with the business operator device 40 that provides the transaction means is generated using the format unique to the electronic wallet 201. The same applies to the transaction result information.

[0077] The embodiments described above are for facilitating the understanding of the present invention and are not for limiting and interpreting the present invention. Each element included in the embodiments and its arrangement, material, conditions, shape, size, etc. are not limited to those illustrated and can be appropriately changed. Also, it is possible to partially replace or combine the configurations shown in different embodiments.

Explanation of Reference Numerals

[0078] 1... Information processing system, 10... Integrated I / F device, 20... User terminal, 30... Endpoint, 40... Operator device, 50... Network, 11... Processor, 12... Memory unit, 13... Transceiver, 14... Input / output unit, 101... Management unit, 102... Acquisition unit, 103... Control unit, 104... Output unit, 201... Electronic wallet, 202... Input reception unit, 203... Generation unit, 204... Output unit

Claims

1. One or more computers are caused to function as: an acquisition unit that acquires, from a user terminal, transaction request information that requests a transaction using each transaction means selected by a user from among a plurality of transaction means managed by an electronic wallet provided in the user terminal, the transaction request information being generated in a format specific to the electronic wallet; a control unit that controls execution of a transaction process with a merchant device that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint; and an output unit that outputs information regarding a result of the transaction process to the user terminal. An information processing program.

2. The information processing program according to claim 1, further comprising a management unit that manages wallet information regarding the electronic wallet, the wallet information including first priority information indicating a priority order of each of the plurality of transaction means, wherein the control unit controls execution of the transaction process based on the priority order of each transaction means indicated by the first priority information. The information processing program according to claim 1.

3. The information processing program according to claim 1, further comprising a management unit that manages endpoint information regarding the endpoint, the endpoint information including second priority information indicating a priority order of one or more transaction means available at the endpoint, wherein the control unit controls execution of the transaction process based on the priority order of each transaction means indicated by the second priority information. The information processing program according to claim 1.

4. The information processing program according to claim 2 or 3, wherein when at least one transaction means for which a transaction is requested by the transaction request information is not available at the endpoint, the control unit controls execution of the transaction process based on the first priority information or the second priority information. The information processing program according to claim 2 or 3.

5. The wallet information includes combination information regarding a combination of transaction means selectable by the user from among the plurality of transaction means, wherein the control unit restricts execution of a transaction process with a merchant device that provides at least one transaction means for which a transaction is requested by the transaction request information based on the combination information. The information processing program according to claim 2.

6. Transaction request information that requests a transaction using each transaction means selected by a user from among a plurality of transaction means managed by an electronic wallet provided in a user terminal, the transaction request information generated in a format unique to the electronic wallet, an acquisition unit that acquires the transaction request information from the user terminal, A control unit that controls execution of a transaction process with a merchant device that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint, An output unit that outputs information regarding the result of the transaction process to the user terminal, An information processing apparatus comprising the above.

7. An information processing apparatus, acquires, from the user terminal, transaction request information that requests a transaction using each transaction means selected by a user from among a plurality of transaction means managed by an electronic wallet provided in the user terminal, the transaction request information generated in a format unique to the electronic wallet, controls execution of a transaction process with a merchant device that provides each transaction means for which a transaction is requested by the transaction request information via an endpoint, and outputs information regarding the result of the transaction process to the user terminal, An information processing method.

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