Service providing system, service providing method, application program, and server device

Abstract

To improve the convenience at the time of occurrence of a predetermined event in which the amount of electronic money is increased.SOLUTION: In a service providing system, a settlement server includes a notification unit which transmits information on a predetermined event to a user terminal device at the time of occurrence of the predetermined event in which the amount of electronic money available to a user in a first service is increased. A settlement application installed on the user terminal causes, when acquiring a notification indicating that the predetermined event occurred, the user terminal device to perform: a process to make an inquiry to the user about whether to pool the increased electronic money in a temporary pool wallet which is set for each of one or more second services affiliated with the first service; and a process to transmit the content input by the user as a result of the inquiry to the server device. The server device further includes a management unit which stores and manages the increased electronic money in the temporary pool wallet on the basis of the content input by the user as the result of the inquiry from the user terminal device.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a service providing system, an application program, a server device, a service providing method, and a program.

Background Art

[0002] Conventionally, there has been disclosed an invention of a management device including: a reception unit that receives a deposit of digital money for a user of an electronic payment service; and a processing unit that executes a process of transferring the received digital money to accounts of each of a plurality of payees corresponding to different types of services different from the electronic payment service specified in advance by the user, in cooperation with a device of a cooperation destination corresponding to the payee based on processing information in which the payee and the cooperation destination are defined. (Patent Document 1)

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] The conventional technology is exclusively for automatically transferring money to a pre-specified account or the like when there is a regular income such as a salary, and there are cases where the convenience is not sufficient when trying to apply it to other scenarios (for example, when a predetermined event in which digital money increases occurs).

[0005] The present invention has been made in consideration of such circumstances, and one of its purposes is to provide a service providing system, an application program, a server device, a service providing method, and a program that can improve convenience.

Means for Solving the Problems

[0006] One aspect of the present invention is a service providing system including an application program operating on a user's terminal device and a server device communicating with the terminal device and cooperating with the application program to provide a first service to the user. The server device includes a notification unit that notifies the terminal device of information regarding a predetermined event when the predetermined event occurs in which the electronic money that can be used by the user in the first service increases. When the application program obtains a notification indicating that the predetermined event has occurred on the terminal device, the application program asks the user whether to pool the increasing electronic money in a temporary pool wallet set for each of one or more second services that cooperate with the first service, and transmits the content input by the user as a result of the inquiry to the server device. The server device further includes a management unit that stores and manages the increasing electronic money in the temporary pool wallet based on the content input by the user as a result of the inquiry obtained from the terminal device.

Effect of the Invention

[0007] According to one aspect of the present invention, convenience can be improved.

Brief Description of the Drawings

[0008]

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the service providing system, application program, server device, service providing method, and program of the present invention will be described. Various devices for providing services to users or performing internal analysis, such as "server", "management device", and "information providing device" that appear below, may be realized by a decentralized group of devices, and the operators of each device may be different. Also, the holder of the hardware of the device (provider of the cloud server) and the operator who actually operates the device may be different.

[0010] The service providing system is one in which an application program and a server device cooperate to provide a first service to a user. The first service is provided via a network and can be any service as long as a payment event occurs. In the following description, it is assumed to be an electronic payment service, and the application program will be referred to as a payment app, and the server device as a payment server. The electronic payment service is a service that supports payments related to the purchase of goods and services in a store. A store can be, for example, a physical store (actual store) existing in the real space, but may also include a virtual store for e-commerce. The virtual store may include those provided by entities different from the operator of the electronic payment service. In that case, when making a payment for shopping in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processes such as payment when a purchase action is performed in the store are mainly carried out between the user and the franchise. Alternatively, processes such as payment may be carried out between the user and the store.

[0011] Also, the operator providing the electronic payment service collaborates with other operators in partnership with the said operator to provide the following services. The other operators provide one or more second services. The second service is a service expected to have a synergistic effect by partnering with the first service, and examples include insurance services, securities services, credit services, e-commerce services, and banking services. The second service is provided by a partnering service server. The partnering service server for providing insurance services is operated by an insurance company, the partnering service server for providing securities services is operated by a securities company, the partnering service server for providing credit services is operated by a credit card company, the partnering service server for providing e-commerce services is operated by an e-commerce operator, and the partnering service server for providing banking services is operated by a bank, respectively.

[0012] [Overall Diagram] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service and associated services. The electronic payment service is realized centering around a payment server 100. The payment server 100 communicates via a network NW with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and one or more partner service servers 200 (in the figure, an insurance service server 200-1 and a securities service server 200-2 are shown). The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0013] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and it operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.

[0014] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0015] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70 which is a smartphone has functions of displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for franchise stores.

[0016] The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise store server. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that the payment information is transmitted from the first store terminal device 50.

[0017] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

[0018] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is launched decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen where the franchise store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). Note that when the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and store name may be included and displayed on the payment completion screen.

[0019] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user shields (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including a one-time code, a payment amount, a franchise ID, a store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that the electronic payment may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as identification information of the user. Also, in the store scan, the issuance of the one-time code may be omitted, and the payment application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the payment server 100 identifies the user corresponding to the account ID.

[0021] [Payment Server] FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The settlement server 100 includes, for example, a communication unit 110, a settlement content providing unit 120 (an example of a "notification unit"), a settlement processing unit 130, an information management unit 140 (an example of a "management unit"), and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), and SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device including a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium on a drive device.

[0022] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, settlement content information 174, and affiliated store / store information 176 is stored in the storage unit 170.

[0023] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0024] The settlement content providing unit 120 has, for example, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The settlement content providing unit 120 appropriately reads necessary content from the settlement content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. In addition, the settlement content providing unit 120 transmits information (numerical values, texts, etc.) for the payment application 20 to perform various displays to the user terminal device 10, causing the payment application 20 to render an image.

[0025] The settlement processing unit 130 performs settlement processing based on the settlement information transmitted by the user terminal device 10 or the first store terminal device 50. The settlement processing unit 130 performs settlement processing while referring to the user information 172.

[0026] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, charge balance, post-payment setting, post-payment limit, post-payment usage amount, post-payment available amount, payment method setting, bank account, credit card number, charge history information, settlement history information, temporary pool wallet information, and other information that are associated with each other. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a phone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (not necessarily set). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (not necessarily set). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated with each other is referred to as an account.

[0027] The remaining balance of the charge indicates the information of the remaining balance of the electronic money set by the user's prior transfer to the account. As means of transfer, there are transfers from the ATM (Automatic Teller Machine) of the designated operator (bank), transfers from the registered bank account, etc. The post-payment setting is information indicating whether the setting for electronic settlement by post-payment has been completed or not, and is set to either "completed" or "not completed". The settlement method setting is the setting information indicating whether the user conducts an electronic settlement using the remaining balance of the charge or a settlement by post-payment at that time. Each of the bank account and the credit card number is information (account number, card number) of the bank account or credit card number that can receive payments for the electronic settlement service. The charge history information is the history of the user's prior transfer to the electronic settlement service to increase the remaining balance of the charge. The settlement history information is information indicating the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was taken, settlement amount, settlement method, etc.) for each settlement.

[0028] The temporary pool wallet information is set for each second service, and when an event that requires payment of electronic money occurs in the second service, it is information on the amount that can be used through the mini-app of the second service (which is linked with the cooperation service server 200-1 or 200-2 and becomes available on the user terminal device 10 through the transition from the settlement app 20), etc. Events that require payment of electronic money include, for insurance services, payment of insurance premiums for short-term insurance such as travel insurance and golf insurance, and for securities services, purchase of various financial products, etc. Figure 6 is a diagram showing an example of the content of the temporary pool wallet information. The temporary pool wallet information is associated with information such as the remaining balance available for use in the insurance service, the remaining balance available for use in the securities service, and the point allocation rate (described later) for each user.

[0029] FIG. 7 is a diagram showing an example of the content of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern.

[0030] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 performs operations such as adding, editing, and deleting new records for the user information 172 and the affiliated store / store information 176.

[0031] [Electronic settlement] When the settlement processing unit 130 acquires settlement information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the "settlement method setting" of the user. For users whose "settlement method setting" is set to "charge balance", the settlement processing unit 130 performs electronic settlement as follows. For example, the settlement processing unit 130 reduces the charge balance managed in association with the user ID and increases the item value of the sales amount of the affiliated store to perform electronic settlement. The item value of the sales amount of the affiliated store is not, for example, itself used as electronic money, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the affiliated store and the electronic settlement service.

[0032] When the "settlement information" is set to "post-payment" for a user, the settlement processing unit 130 performs electronic settlement as follows. Post-payment is set separately from "credit payment" through cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor and allows electronic payment that does not depend on the remaining recharge balance within the scope of the post-payment limit. In addition, in order to receive the post-payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for post-payment is settled in one lump sum on the payment date of the following month, for example, by debit from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the post-payment usage amount and subtracting the same amount from the available post-payment amount, and performs processing to debit the settlement for the current month to the payment date of the following month as described above on the closing date, or requests the operator of the credit card company to perform such processing. If the settlement amount exceeds the available post-payment amount at the time of provisional settlement, an error notification is returned to the settlement app 20.

[0033] [Control of the Temporary Pool Wallet] The control of the temporary pool wallet will be described below. When a predetermined event occurs in the electronic payment service where the electronic money available to the user increases, the settlement content providing unit 120 notifies the user terminal device 10 of information regarding the predetermined event. The predetermined event is, for example, an event in which points that can be used as the electronic money are granted to the user along with an electronic payment. Hereinafter, this notification will be referred to as a point grant notification. Although this point is managed separately from the remaining recharge balance, since it can be used in the same way as the remaining recharge balance, it was described by being treated as the same in Figure 5 and the like.

[0034] The settlement app 20, for example, receives information from the settlement content providing unit 120 (in accordance with the control of the settlement content providing unit 120), and displays on the user terminal device 10 an interface screen for asking the user whether to pool the points in the temporary pool wallet, including on the settlement completion notification screen for notifying the completion of the electronic payment.

[0035] FIG. 8 is a diagram showing an example of a payment completion notification screen IM1. The payment completion notification screen IM1 includes, for example, an area A1 in which information on the store where the payment was made is displayed, an area A2 in which the payment amount and the like are displayed, an area A3 in which points given to the user as a result of the payment are displayed, an area A4 for asking the user whether to pool the points (increased electronic money) acquired upon receiving the point grant notification into a temporary pool wallet, and the like. In the area A4, the amount of points to be given is displayed, and a check box CB for inputting the intention to pool into the temporary pool wallet and a send button B1 for instructing to send whether or not an operation has been performed on the check box to the payment server 100 are set. When the send button B1 is operated with the check box CB checked, the payment app 20 sends the content input by the user as a result of the inquiry to the payment server 100.

[0036] At this time, the payment app 20 may accept the designation of the ratio for pooling the given points into each temporary pool wallet. FIG. 9 is a diagram showing an example of a ratio designation screen IM2 for accepting the designation of the ratio. The ratio designation screen IM2 is displayed, for example, after the send button B1 shown in FIG. 8 is operated, but is not limited thereto and may be displayed at a desired timing of the user. In the ratio designation screen IM2, the ratio of the balance of each temporary pool wallet for the second service at that time is represented by a graph, and an image OB1 showing the total balance of the temporary pool wallets (including the points given this time) and a slide switch SW1 for accepting the input of the ratio for pooling the points into a plurality of temporary pool wallets are provided. When the confirm button B2 is operated, the payment app 20 sends the content of the operation on the slide switch SW1 to the payment server 100. FIG. 10 is a diagram showing an example of the ratio designation screen IM2 after the slide switch SW1 is operated.

[0037] The information management unit 140 stores and manages points in the temporary pool wallet based on the content input by the user acquired from the settlement application 20 (user terminal device 10). The information management unit 140 determines the amount of points to be pooled in each temporary pool wallet based on the acquired ratio. In the example of FIG. 10, the ratio designation is assumed to specify "the ratio of the amount of points to be pooled in each temporary pool wallet after the points are granted", but it may also specify "the ratio of the points to be granted in this time to be pooled in each temporary pool wallet".

[0038] In the above description, it is assumed that the user is allowed to select whether to pool all the granted points in the temporary pool wallet, but the user may also be allowed to select what percentage of the granted points to pool in the temporary pool wallet.

[0039] Also, the act of pooling in the temporary pool wallet may be implemented not only at the timing of point granting but also at the timing desired by the user.

[0040] Also, the types of the temporary pool wallet may be arbitrarily set by the user.

[0041] According to the embodiment described above, convenience can be improved. In addition, the user can be encouraged to use the second service in cooperation with the first service, and comprehensive service provision can be promoted.

[0042] As described above, the embodiments for implementing the present invention have been described using the embodiments, but the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0043] 10 User terminal device 20 Settlement application 100 Settlement server 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 200-1 Insurance service server 200-2 Securities service server

Claims

1. A service providing system comprising an application program operating on a user's terminal device and a server device communicating with the terminal device and cooperating with the application program to provide a first service to the user, wherein the server device, comprises a notification unit that notifies the terminal device of information regarding a predetermined event when the predetermined event occurs in which the electronic money available to the user in the first service increases, and the application program causes the terminal device to, when obtaining a notification indicating that the predetermined event has occurred, perform a process of asking the user whether to pool the increased electronic money into a temporary pool wallet set for each of one or more second services that cooperate with the first service, and a process of transmitting the content input by the user as a result of the inquiry to the server device, and the server device, further comprises a management unit that stores and manages the increased electronic money in the temporary pool wallet based on the content input by the user as a result of the inquiry obtained from the terminal device. A service providing system according to claim 1.

2. The first service is an electronic payment service, and the predetermined event is an event in which points that can be used as the electronic money are granted to the user along with the electronic payment. A service providing system according to claim 1.

3. The application program causes the terminal device to, display an interface screen for asking the user whether to pool the increased electronic money into the temporary pool wallet, included in a payment completion notification screen for notifying the completion of the electronic payment. A service providing system according to claim 2.

4. The temporary pool wallet is set for each of a plurality of second services, and the application program causes the terminal device to, when obtaining a notification indicating that the predetermined event has occurred, perform a process of accepting an input of a ratio for pooling the increased electronic money into the plurality of temporary pool wallets, and a process of transmitting the input ratio to the server device, and the management unit of the server device determines the amount of electronic money to be pooled into each temporary pool wallet based on the ratio obtained from the terminal device. A service providing system according to claim 1. ​ ​ Claim 5 The above one or more second services include an insurance service and a securities service, The service providing system according to claim 1. Claim 6 An application program that operates on a user's terminal device and cooperates with a server device that communicates with the terminal device to provide a first service to the user, In the terminal device, When a notification indicating that a predetermined event has occurred in which the electronic money available to the user in the first service increases is obtained from the server device, a process of asking the user whether to pool the increasing electronic money into a temporary pool wallet set for each of one or more second services that cooperate with the first service, A process of transmitting the content input by the user as a result of the inquiry to the server device, An application program for causing the above to be performed. Claim 7 A server device that communicates with a user's terminal device and cooperates with an application program that operates on the terminal device to provide a first service to the user, A notification unit that notifies the terminal device of information regarding a predetermined event when a predetermined event occurs in which the electronic money available to the user in the first service increases, Based on the content input by the user as a result of asking the user whether to pool the increasing electronic money into a temporary pool wallet set for each of one or more second services that cooperate with the first service, a management unit that stores and manages the increasing electronic money in the temporary pool wallet, A server device comprising: Claim 8 A server device that communicates with a user's terminal device and cooperates with an application program that operates on the terminal device to provide a first service to the user, When a predetermined event occurs in which the electronic money available to the user in the first service increases, notifies the terminal device of information regarding the predetermined event, Based on the content input by the user as a result of asking the user whether to pool the increasing electronic money into a temporary pool wallet set for each of one or more second services that cooperate with the first service, stores and manages the increasing electronic money in the temporary pool wallet, A service providing method. Claim 9 A processor of a server device that communicates with a user's terminal device and collaborates with an application program operating on the terminal device to provide a first service to the user, When a predetermined event occurs in which the electronic money available to the user in the first service increases, a process of notifying the terminal device of information regarding the predetermined event; Based on the content input by the user as a result of inquiring of the user whether to pool the increased electronic money into a temporary pool wallet set for each of one or more second services that cooperate with the first service, a process of storing and managing the increased electronic money in the temporary pool wallet; A program for causing the above to be executed.

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