Information processing apparatus, information processing method, and information processing program

Abstract

To prevent a fraud in an electronic settlement service.SOLUTION: An information processing apparatus includes a flag information storage unit, an acquisition unit, and an estimation unit. The storage unit stores, in advance, flag information indicating whether a user is suspected of fraud or not, in association with identification information assigned for identifying each user in an electronic settlement service. The acquisition unit acquires remittee identification information of a remittee user who operates link information through a reception request that is transmitted from a device used by the remittee user, through an operation of the remittee user on the link information that associates information on the amount of remittance designated by a remitter user with remitter identification information for identifying the remitter user. The estimation unit estimates that the remittee user is a user suspected of fraud if the flag information indicating a user suspected of fraud is associated with identification information that matches the remittee identification information.SELECTED DRAWING: Figure 4

Description

Technical Field

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

Background Art

[0002] Conventionally, particularly because of its convenience, electronic payment services that are performed online using a terminal device such as a smartphone owned by an individual user have widely penetrated among consumers, and benefits corresponding to the use of the electronic payment service may be given to the user.

[0003] In addition, among the above-described electronic payment services, there are also those that provide a service that enables easy transfer of digital money such as electronic money and virtual currency between users (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, the above-described conventional technology has room for improvement in preventing fraudulent acts in electronic payment services. For example, in the conventional technology, there is a demand for eradicating fraudulent acts such as causing another user to transfer electronic money for the purpose of stealing electronic money.

[0006] The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program capable of preventing fraudulent acts in electronic payment services.

Means for Solving the Problems

[0007] The information processing apparatus according to the present application is an information processing apparatus that performs processing related to an electronic payment service that enables the transfer of electronic money between users using link information provided from a remitter user who is the source of the electronic money to a recipient user who is the destination of the electronic money for the transfer of electronic money. The information processing apparatus has a flag information storage unit, an acquisition unit, and an estimation unit. The flag information storage unit stores in advance flag information indicating whether a user is a user under suspicion of fraud, in association with identification information assigned to identify each user in the electronic payment service. The acquisition unit, in response to an operation performed by the recipient user, acquires, through a reception request transmitted from the device used by the recipient user, recipient identification information, which is identification information for identifying the recipient user who has manipulated the link information, for the link information in which information on the transfer amount specified by the remitter user and remitter identification information, which is identification information for identifying the remitter user, are associated. The estimation unit collates the recipient identification information acquired by the acquisition unit with the identification information stored in the flag information storage unit, and if flag information indicating that the user is a user under suspicion of fraud is associated with the identification information that matches the recipient identification information, estimates that the recipient user is a user under suspicion of fraud.

Effect of the Invention

[0008] According to one aspect of the embodiment, there is an effect that it is possible to prevent fraudulent acts in the electronic payment service.

Brief Description of the Drawings

[0009]

Figure 1

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Figure 10

[0010] Hereinafter, embodiments for implementing the information processing apparatus, information processing method, and information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited by this embodiment. In addition, in the following embodiments, the same parts are denoted by the same reference numerals, and duplicate explanations are omitted.

[0011] 〔1. Embodiment〕 (1-1. System configuration) Hereinafter, the information processing according to the embodiment will be specifically described. First, prior to the description of the information processing according to the embodiment, with reference to FIG. 1, an example of the configuration of an information processing system including a payment service providing apparatus 100 which is an example of the information processing apparatus according to the embodiment will be described. FIG. 1 is a diagram for explaining an overview of the information processing according to the embodiment.

[0012] As shown in FIG. 1, the information processing system SYS according to the embodiment includes a terminal device 10-1, a terminal device 10-2, a message service providing device 20, and a payment service providing device 100. The terminal device 10-1, the terminal device 10-2, the message service providing device 20, and the payment service providing device 100 are connected to a network N (for example, see FIG. 4) by wire or wirelessly. The terminal device 10-1, the terminal device 10-2, the message service providing device 20, and the payment service providing device 100 can communicate with each other via the network N with other devices. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

[0013] Note that the configuration of the information processing system SYS shown in FIG. 1 is an example, and more terminal devices 10 than those illustrated in FIG. 1 may be included, or other service providing devices other than the message service providing device 20 illustrated in FIG. 1 may be included. Also, in the following description, when it is not necessary to particularly distinguish and describe the terminal device 10-1 and the terminal device 10-2, they will be described generically as the terminal device 10.

[0014] The terminal device 10-1 shown in FIG. 1 is an information processing terminal used by a user U-1 who is a service user who uses online services such as a message service provided by the message service providing device 20 and an electronic payment service provided by the payment service providing device 100. Similarly, the terminal device 10-2 shown in FIG. 1 is an information processing terminal used by a user U-2 who is a service user who uses online services such as the above-described message service and electronic payment service. Note that in the following description, when it is not necessary to particularly distinguish and describe the user U-1 and the user U-2, they will be described generically as the user U.

[0015] The terminal device 10 can be realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 10 includes a display device such as a liquid crystal display (LCD) or an organic EL display (Organic Electro-Luminescent Display), and can display information distributed by a message service providing device 20, a payment service providing device 100, or the like, using a web browser or an application. Note that the display device may be a touch screen display. In this case, the terminal device 10 receives various operations from the user U on content such as an image displayed within the screen of the touch screen display using a finger, a stylus, or the like, and executes processing corresponding to the various operations.

[0016] Also, when the terminal device 10 receives control information for realizing predetermined information processing from a message service providing device 20, a payment service providing device 100, or the like, it realizes the information processing according to the control information. Here, the control information may be described by, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), a markup language such as HTML (HyperText Markup Language), or the like. Note that a predetermined application itself distributed from the message service providing device 20, the payment service providing device 100, or the like may be regarded as the control information.

[0017] In addition, the terminal device 10 has a communication function unit for communicating with other devices, and transmits and receives information to and from other devices such as a message service providing device 20 and a payment service providing device 100. The terminal device 10 may have, as the communication function unit, a communication unit for connecting to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation: the 5th generation mobile communication system), or a short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN (Local Area Network).

[0018] By operating the terminal device 10, the user U can access a predetermined website managed by the message service providing device 20 and use the message service on the predetermined website by using the information transmitted and received between the user U and the message service providing device 20. Note that a dedicated application program (hereinafter referred to as a "message app") created to implement various processes related to the message service in cooperation with the message service providing device 20 may be pre-installed in the terminal device 10. In this case, the terminal device 10 can execute various processes related to the message service by using the functions provided by the message app.

[0019] By operating the terminal device 10, the user U can access a predetermined website managed by the payment service providing device 100 and use the electronic payment service on the predetermined website by using the information transmitted and received between the user U and the payment service providing device 100. Note that a dedicated application program (hereinafter referred to as a "payment app") created to implement various processes related to the electronic payment service in cooperation with the payment service providing device 100 may be pre-installed in the terminal device 10. In this case, the terminal device 10 can execute various processes related to the electronic payment service by using the functions provided by the payment app.

[0020] The message service providing apparatus 20 shown in FIG. 1 is an information processing apparatus that executes information processing related to a message service that can transmit and receive messages and the like between service users in order to realize online communication. A service provider that manages the message service providing apparatus 20 operates, for example, a platform service that provides a service user with a usage environment for using online communication between service users. When the message service providing apparatus 20 is configured by a server apparatus, it may be realized by a single server apparatus, or may be realized by a cloud system in which a plurality of server apparatuses and a plurality of storage apparatuses cooperate and operate.

[0021] The message service providing apparatus 20 may function as a distribution apparatus that distributes control information to the terminal apparatus 10 used by the user U who is a service user. Here, the control information may be described by a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the message service providing apparatus 20 may be regarded as control information.

[0022] The message service provided by the message service providing device 20 may include any service that can execute the exchange of various messages in services such as SMS (Short Message Service), SNS (Social Networking Service), e-commerce services, electronic payment services, online games, online banking services, online trading services, accommodation reservation services, ticket reservation services, video distribution services, music distribution services, news distribution services, map information services, route search services, route guidance services, route information services, operation information services, weather information services, etc. In addition, the message service provided by the message service providing device 20 may include not only general text messages but also various services that can post rich text using HTML, various links, images, moving images, etc.

[0023] The payment service providing device 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment. A service provider that manages the payment service providing device 100 operates a platform service that provides a service user with a usage environment for using an electronic payment service (hereinafter simply referred to as "payment service") using predetermined code information. When the payment service providing device 100 is configured by a server device, it may be realized by a single server device or may be realized by a cloud system in which a plurality of server devices and a plurality of storage devices cooperate to operate.

[0024] The payment service providing device 100 may function as a distribution device that distributes control information to the terminal device 10 used by the user U who is a service user. Here, the control information may be described by a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the payment service providing device 100 may be regarded as control information.

[0025] With the electronic payment service provided by the payment service providing apparatus 100, a user U, who is a service user using the payment service, can easily pay the price of a transaction target. For example, the payment service providing apparatus 100 manages the provider of the transaction target and the electronic money account of the user to whom the transaction target is provided (also referred to as an "electronic wallet"), and performs transfer of electronic money between accounts according to a payment request from the service user, thereby realizing various payments. Note that the electronic money may be, for example, points or currency uniquely used by various companies, or may be money provided by a country such as the Japanese yen or the US dollar that can be electronically transacted.

[0026] In addition, as part of the service, the electronic payment service provided by the payment service providing apparatus 100 can provide a service user with a function for transmitting and receiving text direct messages between service users who have registered as friends with each other through, for example, a payment application.

[0027] Note that the information processing according to the embodiment executed by the payment service providing apparatus 100 will be described in detail later with reference to the drawings.

[0028] (1-2. Payment Using the Terminal Apparatus 10) Here, as an example of electronic payment executed using the terminal device 10, code payment will be described. Note that when the terminal device 10 is a smartphone, code payment executed using the terminal device 10 is also referred to as "smartphone payment". In the following description, for example, a two-dimensional code (QR code (registered trademark)) arranged in a predetermined store and indicating store identification information for identifying the predetermined store is used, and a user U (see, for example, FIG. 1), who is a service user receiving an offer of a transaction target from a predetermined store, performs payment using the terminal device 10. The code payment described below is applicable even when an arbitrary user performs payment at an arbitrary store using an arbitrary terminal device 10. Further, the two-dimensional code indicating the store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, or the like. Further, the two-dimensional code is not limited to an example physically configured by a printed matter printed on a medium such as paper, and may be configured by image information displayed on an arbitrary terminal.

[0029] For example, when the user U makes a payment associated with the purchase or use of a transaction target such as various goods or services at a predetermined store, the user U activates a payment application pre-installed on the terminal device 10 to use code payment. The user U can use various functions related to code payment through the payment application. Then, the user U takes a picture of the two-dimensional code installed at the predetermined store via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price of the transaction target and accepts the input of the payment amount from the user U or a store clerk at the predetermined store. Then, the terminal device 10 transmits transaction information including user identification information for identifying the user U, store identification information (or information indicated by the store identification information, that is, information indicating a predetermined store (for example, store ID)), and the payment amount to the payment service providing device 100. Note that such a payment method is also referred to as the "user scan method".

[0030] When the payment service providing device 100 receives transaction information from the terminal device 10, it transfers electronic money equivalent to the payment amount from the account of the user U indicated by the user identification information to the account of a predetermined store indicated by the store identification information. At this time, the payment service providing device 100 may subtract a predetermined fee charged to the predetermined store from the electronic money equivalent to the payment amount and then transfer it to the account of the predetermined store. Then, the payment service providing device 100 transmits a notification indicating that the transaction has been completed to the terminal device 10. In such a case, the terminal device 10 notifies the user U that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment service providing device 100 may withdraw electronic money equivalent to the payment amount from the account of the user U indicated by the user identification information, manage it as sales information of a predetermined store, and transfer the cash equivalent to the sales amount to the bank account held by the predetermined store at a predetermined timing. In this case, the payment service providing device 100 may notify the user U that the transaction using electronic money has been completed at the timing when the electronic money equivalent to the payment amount has been withdrawn from the account of the user U.

[0031] Note that the payment using the terminal device 10 is not limited to the above-described processing. For example, the payment using the terminal device 10 may be performed using a terminal device (hereinafter referred to as a "store terminal") installed in a predetermined store. Specifically, first, the terminal device 10 displays code information indicating user identification information for identifying the user U on the screen. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10, and transmits transaction information including the read user identification information (or information indicated by the user identification information, that is, information indicating the user U (for example, user ID)), the payment amount, and information for identifying a predetermined store to the payment service providing device 100. Note that such a payment method is also referred to as a "store scan method".

[0032] When the payment service providing device 100 receives transaction information from a store terminal, it transfers electronic money equivalent to the payment amount from the account of user U indicated by the user identification information to the account of a predetermined store. Then, the payment service providing device 100 sends a notification to the store terminal or the terminal device 10 indicating that the transaction has been completed. The store terminal or the terminal device 10 notifies user U that the transaction using electronic money has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. Also, the payment service providing device 100 may withdraw electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage it as sales information of a predetermined store, and transfer the amount equivalent to the sales to the bank account held by the predetermined store at a predetermined timing. In this case, the payment service providing device 100 may notify the store clerk or user U that the transaction using electronic money has been completed at the timing when it withdraws electronic money equivalent to the payment amount from the account of user U.

[0033] Also, the payment using the terminal device 10 may be not only a process of transferring electronic money from the account where user U has pre-charged electronic money to the account of a predetermined store, but also, for example, a payment using a credit card pre-registered by user U. In such a case, for example, the terminal device 10 may transfer electronic money in the amount indicated by the payment amount to the account of a predetermined store and bill the operating company of user U's credit card for the amount indicated by the payment amount.

[0034] In addition, the settlement using the terminal device 10 is not limited to the process of transferring electronic money from the account of user U to the account of a predetermined store. For example, it may be a settlement (i.e., money transfer between users) of transferring electronic money from the account of user U to the account of another user. For example, the terminal device 10 used by the remitting user U reads the user identification information for identifying the recipient user (for example, the user identification information displayed on the terminal device used by the recipient user), accepts the input of the remittance amount from user U, and transmits information indicating the read identification information, the remittance amount, and the user identification information for identifying user U to the settlement service providing device 100. In such a case, the settlement service providing device 100 transfers the amount of electronic money indicated by the remittance amount from the account of user U to the account of the recipient user, and notifies the completion of the money transfer by outputting a screen or a predetermined voice indicating the completion of the money transfer to the terminal device 10 or the terminal device 10 used by the recipient user.

[0035] Note that the money transfer using the terminal device 10 is not limited to the above-described process. For example, the money transfer using the terminal device 10 may be performed by inputting the phone number of the recipient user or information indicating the recipient user (for example, user ID) into the terminal device 10. To give a specific example, the terminal device 10 accepts the input of the phone number or user ID of the recipient user and the remittance amount from user U, and transmits the input phone number or user ID, the remittance amount, and the user identification information for identifying user U to the settlement service providing device 100. Then, the settlement service providing device 100 transfers the amount of electronic money indicated by the remittance amount from the account of user U to the account of the user associated with the transmitted phone number or user ID.

[0036] Here, the phone number or user ID of the recipient user may be registered in advance in the payment application in association with information about the user. In this case, the terminal device 10 receives from the user U the designation of the user (recipient) registered in the payment application and the input of the transfer amount to the user, and transmits to the payment service providing device 100 the phone number or user ID associated with the designated user, the transfer amount, and the user identification information for identifying the user U.

[0037] Also, for example, the transfer using the terminal device 10 may be performed by providing link information for receiving the transfer amount to the recipient user. To give a specific example, the terminal device 10 receives the input of the transfer amount from the user U, generates link information for receiving the transfer amount, and transmits an email containing the link information or posts posting information containing the link information on an SNS (Social Networking Service), thereby providing the link information to the terminal device 10 used by the recipient user. Then, when the recipient user selects the link information and performs a reception operation, the payment service providing device 100 transfers the electronic money in the amount indicated by the transfer amount from the account of the user U to the account of the recipient user.

[0038] Note that the above-described payment means and electronic payment services are not limited to those for providing consideration (settlement of debts) for the purchase of goods or provision of services. For example, as described above, the payment means and electronic payment services may have functions related to money transfer between accounts held by multiple users. That is, the above-described payment means and electronic payment services may be services that control the transfer of electronic money between the accounts of any owner associated with the owner of the electronic money, such as users and stores. That is, the payment means and electronic payment services according to the embodiment may be transaction means and transaction services that execute various controls (not only various inter-account transfer controls via electronic money, but also controls related to transactions between electronic money accounts and bank accounts, various creditor's rights processes such as processing associated with splitting and bonus payments, and other various controls related to transactions of property including electronic money) for realizing the exchange of electronic money, and may be provided in any manner. Further, the various controls realized by such transaction means and transaction services may include both controls related to settlement and controls related to money transfer, or may include only one of them. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "money transfer" of electronic money and other various processes. That is, the settlement service providing apparatus 100 may be an information processing apparatus that realizes transaction means for controlling the exchange of electronic money between any owners.

[0039] (1-3. Outline of Information Processing According to Embodiment) In recent years, in electronic payment services, as part of the services, a function is provided that anyone can easily and quickly transfer electronic money by providing link information for transferring electronic money to the receiving user who is the recipient. On the other hand, taking this as a valuable item, there have been many illegal acts of disguising the transfer of the price of a transaction target, obtaining link information for receiving electronic money from other users, and stealing electronic money. Since the transfer of electronic money through link information enables the transfer of electronic money regardless of the identity of the receiving user, it is difficult to prevent illegal acts of stealing electronic money. Therefore, hereinafter, as information processing according to an embodiment of the present application, an information processing for preventing illegal acts in an electronic payment service will be described by estimating whether a receiving user who receives electronic money using link information is a user suspected of stealing electronic money by abusing the electronic payment service.

[0040] Also, hereinafter, it is assumed that the user U-2 shown in FIG. 1 is a user suspected of stealing electronic money from other users by abusing the electronic payment service. In the following description, the suspicion of illegal activity refers to the possibility of abusing the electronic payment service and stealing electronic money from other users against public order and good customs, but may refer to all acts that violate the terms of use of the electronic payment service. In the following description, the terminal device 10-1 may be described as the user U-1. That is, the user U-1 can be read as the terminal device 10-1. Similarly, in the following description, the terminal device 10-2 may be described as the user U-2. That is, the user U-2 can be read as the terminal device 10-2.

[0041] As shown in FIG. 1, user U-1 operates terminal device 10-1 and sends a message to user U-2 via a message service, the message describing link information LK-1 for transferring electronic money to user U-2. An example of a situation in which user U-1 sends link information LK-1 to user U-2 is when viewing a post by user U-2 on a message board or other social networking service. The content of the post may include a message offering to transfer an item that the user does not actually own for a fee, along with SNS account information and an electronic payment service user ID to be specified for message exchange. If user U-1 wishes to purchase an item posted by user U-2, he or she prepares in advance to be able to exchange messages with user U-2 by registering user U-2 as a contact using the SNS account information posted by user U-2. User U-1 may register the user ID of user U-2 in the electronic payment service, which is included in the content of the post, as a contact for the electronic payment service, and prepare in advance so that they can exchange messages using direct messages in the electronic payment service. User U-1 then sends user U-2 a message stating link information LK-1 for transferring the purchase price of the item to user U-2 in electronic money.

[0042] Terminal device 10-2 displays message M-1 received from terminal device 10-1 on the message display screen SG of the message service. When terminal device 10-2 detects an operation by user U-2 on link information LK-1 described in message M-1 displayed on message display screen SG, it sends an electronic money receive request to payment service providing device 100 (step S1). The receive request may include the user ID of user U-2, who is the sender of the receive request, the user ID of user U-1, who created the corresponding link information LK-1, information indicating the remittance amount, and information indicating the date and time when link information LK-1 was created. User U-2 may also send a message M-2 in response to message M-1.

[0043] When the payment service providing device 100 receives a reception request from the terminal device 10-2, it executes unauthorized user estimation processing (step S-2). Specifically, the payment service providing device 100 has a flag information storage unit 122 that stores in advance flag information indicating whether a user is a user under suspicion of fraud, in association with a user ID (an example of "identification information") assigned to identify each user in the electronic payment service. Note that, hereinafter, an example in which the payment service providing device 100 stores in advance flag information indicating whether a user is a user under suspicion of fraud will be described, but the example is not limited thereto. For example, the payment service providing device 100 may determine whether the user U-2 corresponds to a user under suspicion of fraud at the timing when the above-described link information LK-1 is opened by the user U-2.

[0044] An example of a method for setting the flag information will be described. For example, in a function for directly transmitting and receiving messages between users, the payment service providing device 100 can determine a user under suspicion of fraud based on setting information regarding a block set for each transmission and reception partner of a direct message from another user. The setting information regarding the block is an example of "information regarding reception rejection setting". For example, if the number of times the payment service providing device 100 has implemented a setting to reject reception of a direct message from a corresponding user after receiving a transfer of electronic money from another user within a predetermined period is equal to or more than a predetermined number of times, the payment service providing device 100 determines that the corresponding user is a user under suspicion of fraud. Then, the payment service providing device 100 sets flag information indicating that the corresponding user is a user under suspicion of fraud, in association with the user ID of the corresponding user. Further, the payment service providing device 100 may determine a user under suspicion of fraud based on the transfer reception history. Specifically, if the payment service providing device 100 has received transfers from another user a predetermined number of times or more within a predetermined period, or if the received amount within a predetermined period exceeds a predetermined amount, the payment service providing device 100 may determine that the corresponding user, who is the owner of the user account of the electronic payment service corresponding to the reception history, is a user under suspicion of fraud.

[0045] Further, in response to an operation by user U-2 (an example of a "remittance recipient user") on link information LK-1, the settlement service providing apparatus 100 acquires the user ID of user U-2 through a receipt request transmitted from terminal device 10-2 (an example of a "device used by the remittance recipient user"). Also, the settlement service providing apparatus 100 collates the user ID of user U-2 acquired from the receipt request with the user ID stored in the flag information storage unit 122, and if flag information indicating that the user is a user with suspicion of fraud is associated with the user ID of user U-2, it is presumed that user U-2 is a user with suspicion of fraud.

[0046] In this way, the settlement service providing apparatus 100 according to the embodiment acquires the user ID of a user (for example, user U-2) who is the remittance recipient user of the electronic money from a receipt request transmitted in response to an operation on link information LK-1 for transferring the electronic money to another user, and checks whether the acquired user ID is associated with flag information indicating that the user is a user with suspicion of fraud in the flag information storage unit 122, thereby being able to presume whether the remittance recipient user of the electronic money is a user with suspicion of fraud.

[0047] Also, when it is presumed that the remittance recipient user is a user with suspicion of fraud, the settlement service providing apparatus 100 transmits a remittance approval request to the remittance recipient user, and executes a remittance process for the remittance recipient user on the condition that an approval response indicating approval of the remittance to the remittance recipient user is acquired from the remitting user.

[0048] Regarding the flow until the settlement service providing apparatus 100 performs a remittance process, when it is presumed that the remittance recipient user is a user with suspicion of fraud, the settlement service providing apparatus 100 transmits a receipt hold screen for notifying the device used by the remittance recipient user that the receipt of the remittance is temporarily held. An example of the receipt hold screen according to the embodiment will be described with reference to FIG. 2. FIG. 2 is a diagram showing an example of a screen display (part 1) according to the embodiment.

[0049] When it is estimated that the user U-2, who is the sender of the receipt request, is a user under suspicion of fraud, for example, as shown in FIG. 2, the settlement service providing apparatus 100 displays a receipt hold screen AG-1 through the settlement application operating on the terminal device 10-2. A message M-3 indicating that the receipt of the remittance corresponding to the receipt request of the user U-2 is temporarily on hold is displayed on the receipt hold screen AG-1.

[0050] Also, when it is estimated that the user U-2, who is the sender of the receipt request, is a user under suspicion of fraud, for example, the settlement service providing apparatus 100 transmits a warning screen for notifying a warning regarding the remittance to the terminal device 10-1 (an example of "the device used by the remitter user") of the user U-1, who is the user who provided the link information LK-1 for performing the transfer of the electronic money to the user U-2. An example of the warning screen according to the embodiment will be described with reference to FIG. 3. FIG. 3 is a diagram showing an example of a screen display according to the embodiment (part 2).

[0051] Also, when it is estimated that the user U-2, who is the sender of the receipt request, is a user under suspicion of fraud, for example, as shown in FIG. 3, the settlement service providing apparatus 100 displays a warning screen AG2 through the settlement application operating on the terminal device 10-1. The warning screen AG2 is provided with a button OB-1 for sending a remittance request to the settlement service providing apparatus 100, a button OB-2 for sending a remittance cancellation request to the settlement service providing apparatus 100, and a button OB-3 for contacting the recipient user.

[0052] For example, button OB-1 may be enabled to be operable on the condition that the check box “Check and send the above content” is checked. In the case shown in FIG. 3, when the terminal device 10-1 receives an operation of the button OB-1 by the user U-1, it transmits a money transfer request corresponding to the pending receipt request to the payment service providing device 100. The money transfer request functions as an approval response for approving the money transfer to the recipient user. When the payment service providing device 100 receives the money transfer request from the terminal device 10-1, it releases the hold on the receipt request so that the user U-2 can perform a receipt operation. Then, the payment service providing device 100 executes a money transfer process corresponding to the receipt request according to the receipt operation of the user U-2.

[0053] Also, in the case shown in FIG. 3, when the terminal device 10-1 receives an operation of the button OB-2 by the user U-1, it transmits a money transfer cancellation request to the payment service providing device 100 for requesting cancellation of the money transfer corresponding to the pending receipt request. When the payment service providing device 100 receives the money transfer cancellation request from the terminal device 10-1, it cancels the money transfer corresponding to the pending receipt request. Then, as shown in FIG. 2, the payment service providing device 100 transmits a money transfer cancellation screen AG1-2 to the terminal device 10-2 used by the user U-2, who is the recipient user, for notifying that the money transfer has been cancelled by the user U-1, who is the remitter user. A message M-4 indicating that the money transfer corresponding to the pending receipt request has been cancelled is displayed on the money transfer cancellation screen AG1-2.

[0054] Also, in the case shown in FIG. 3, when the terminal device 10-1 receives an operation of the button OB-3 by the user U-1, it uses the function of the payment application to execute a process for transmitting a direct message to the recipient user U-2. For example, when the recipient user U-2 is not registered as a friend in the payment application, the terminal device 10-1 may display a confirmation notice asking whether to register user U-2 as a friend. When the recipient user U-2 is registered as a friend in the payment application, the terminal device 10-1 may display a message sending screen.

[0055] Also, the warning screen AG2 shown in FIG. 3 is provided with link information LK-2 for displaying information indicating past remittance cases by a user with suspicion of fraud. When the terminal device 10-1 receives an operation of the link information LK-2 by the user U-1, it transmits a request for acquiring information indicating past remittance cases by a user with suspicion of fraud to the payment service providing device 100. When the payment service providing device 100 receives a request for acquiring information indicating past remittance cases from the terminal device 10-1, it transmits information indicating past remittance cases by a user with suspicion of fraud to the terminal device 10-1. The terminal device 10-1 displays the information indicating past remittance cases by a user with suspicion of fraud received from the payment service providing device 100.

[0056] 〔2. Configuration of Payment Service Providing Device 100〕 Hereinafter, with reference to FIG. 4, an example of the functional configuration of the payment service providing device 100 according to the embodiment will be described. FIG. 4 is a diagram showing a configuration example of the payment service providing device 100 according to the embodiment. As shown in FIG. 4, the payment service providing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0057] (Regarding Communication Unit 110) The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the terminal device 10 and the message service providing device 20.

[0058] (Regarding the storage unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 120 includes a setting information storage unit 121, a flag information storage unit 122, and a reception history storage unit 123.

[0059] (Regarding the setting information storage unit 121) When rejecting the reception of a direct message, the setting information storage unit 121 stores setting information regarding a block (an example of "information regarding reception rejection setting") set for each service user who is a transmission / reception partner of the direct message by the service user of the electronic payment service. Hereinafter, the outline of the setting information stored in the setting information storage unit 121 according to the embodiment will be described with reference to FIG. 5. FIG. 5 is a diagram showing the outline of the setting information according to the embodiment. Note that FIG. 5 shows an example of the setting information according to the embodiment, and information other than that shown in FIG. 5 may be included.

[0060] As shown in FIG. 5, the setting information stored in the setting information storage unit 121 has a plurality of items such as an item of "user ID", an item of "partner ID", an item of "block status", and an item of "block date and time". The information stored in these items of the setting information is associated with each other.

[0061] In the item of "user ID", a user ID which is unique identification information for each service user in the electronic payment service is stored. The service user of the payment service (for example, the user U shown in FIG. 1, etc.) can be individually specified by the user ID.

[0062] In the item of "partner ID", the user ID of another service user who has registered as a friend in the electronic payment service by the service user is stored.

[0063] The item of "block status" is information indicating whether the receipt of direct messages from other service users who have registered as friends is rejected, that is, whether they are blocked. In the example shown in FIG. 5, when "blocked" is stored in the item of "block status", it indicates that the receipt of direct messages from the corresponding service user is rejected.

[0064] The item of "block date and time" stores information indicating the date and time when the service user set to reject the receipt of direct messages.

[0065] (Regarding the flag information storage unit 122) The flag information storage unit 122 stores flag information indicating whether a service user of the electronic payment service is a user with suspicion of fraud. Hereinafter, the outline of the flag information stored in the flag information storage unit 122 will be described with reference to FIG. 6. FIG. 6 is a diagram showing an example of the flag information stored in the flag information storage unit 122 according to the embodiment. Note that FIG. 6 shows an example of the flag information according to the embodiment, and information other than that shown in FIG. 6 may be included.

[0066] As shown in FIG. 6, the flag information stored in the flag information storage unit 122 has a plurality of items such as an item of "user ID" and "flag information". The information stored in these items of the flag information is associated with each other.

[0067] The item of "user ID" stores the user ID, which is unique identification information for each service user in the electronic payment service. Note that the user ID stored in the item of "user ID" is the same information as the user ID included in the setting information.

[0068] In the item of "flag information", flag information indicating whether the corresponding service user is a user under suspicion of fraud is stored. In the example shown in FIG. 6, when the value of "ON" is stored in the item of "flag information", it indicates that the user is under suspicion of fraud, and when the value of "OFF" is stored in the item of "flag information", it indicates that the user is not under suspicion of fraud. Note that the initial value of the "flag information" may be "OFF".

[0069] For example, the flag information storage unit 122 may store flag information indicating that a user is under suspicion of fraud in association with the user ID of a user whose number of times of performing a setting to reject receiving a direct message from the corresponding user after receiving a remittance from another user within a predetermined period is equal to or more than a predetermined number of times.

[0070] Also, the content of the flag information stored by the flag information storage unit 122 may be determined based on the determination result of suspicion of fraud based only on the receipt history of remittances. Specifically, when the settlement service providing apparatus 100 has received remittances from another user a predetermined number of times or more within a predetermined period, or when the received amount within a predetermined period exceeds a predetermined amount, the flag information indicating that the corresponding user, who is the owner of the user account of the electronic payment service corresponding to the receipt history, is under suspicion of fraud may be set in the flag information storage unit 122.

[0071] (Regarding the receipt history storage unit 123) The receipt history storage unit 123 stores the receipt history of the electronic money received from other service users. Hereinafter, the outline of the receipt history stored in the receipt history storage unit 123 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of the receipt history stored in the receipt history storage unit 123 according to the embodiment. Note that FIG. 7 shows an example of the receipt history according to the embodiment, and information other than that shown in FIG. 7 may be included.

[0072] As shown in FIG. 7, the received history stored in the received history storage unit 123 has a plurality of items such as the item of "user ID" and "received history". The information stored in these items of the received history is mutually associated.

[0073] In the item of "user ID", a user ID which is unique identification information for each service user in the electronic payment service is stored. Note that the user ID stored in the item of "user ID" is the same information as the user ID included in the setting information.

[0074] The item of "received history" includes information such as the user ID corresponding to the remitter of the electronic money, the amount of the received electronic money, and the receipt date and time.

[0075] Note that the storage unit 120 is not particularly limited when storing the information stored in the setting information storage unit 121, the flag information storage unit 122, and the received history storage unit 123, and may store information indicating past remittance cases by users with suspicion of fraud.

[0076] (Regarding the control unit 130) The control unit 130 is a controller and is realized, for example, by various programs stored in the storage device inside the payment service providing apparatus 100 being executed with the RAM as a work area by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. Further, the control unit 130 can be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0077] As shown in FIG. 4, the control unit 130 includes a setting unit 131, an acquisition unit 132, an estimation unit 133, and a remittance processing unit 134, and each of these units realizes or executes the functions and operations of information processing described below. Note that, depending on the expansion of various processes executed by the settlement service providing apparatus 100 and the like, new functional units different from the units shown in FIG. 4 may be introduced into the control unit 130.

[0078] (Regarding the setting unit 131) The setting unit 131 sets flag information based on the setting information stored in the setting information storage unit 121 and the receipt history stored in the receipt history storage unit 123. For example, based on the information on the block state and block date and time included in the setting information and the information on the receipt date and time included in the receipt history, when the number of times of setting to reject the reception of a direct message from the corresponding user after receiving a remittance from another user within a predetermined period is equal to or more than a predetermined number of times, the setting unit 131 determines that the corresponding user is a user with suspicion of fraud. Then, the setting unit 131 updates the setting of the flag information stored in the flag information storage unit 122 so that the flag information associated with the user ID of the user determined to be a user with suspicion of fraud becomes "ON".

[0079] Also, the setting unit 131 may determine a user with suspicion of fraud based only on the above-described receipt history. For example, when the setting unit 131 has received remittances from other users a predetermined number of times or more within a predetermined period, or when the received amount within a predetermined period exceeds a predetermined amount, the setting unit 131 may determine that the corresponding user, who is the owner of the user account of the electronic payment service corresponding to the receipt history, is a user with suspicion of fraud.

[0080] Further, the setting unit 131 may determine whether the payee user (for example, the user U2 shown in FIGS. 1 and 2) who operated the link information is a user under suspicion of fraud at the timing when the link information (for example, the link information LK-1 shown in FIG. 1) is opened, and set the flag information based on the determination result. For example, when the setting unit 131 acquires, through the communication unit 110, a receipt request transmitted from the terminal device 10 used by the payee user in accordance with the operation of the payee user on the link information, the setting unit 131 acquires the setting information regarding the above-mentioned block corresponding to the payee user or the above-mentioned receipt history. Then, the setting unit 131 determines whether the payee user is a user under suspicion of fraud based on the acquired setting information regarding the block or the receipt history. The determination method is the same as the example described above. When the setting unit 131 determines that the payee user is a user under suspicion of fraud, the setting unit 131 sets flag information indicating that the user is a user under suspicion of fraud in the flag information storage unit 122 in association with the user ID of the payee user.

[0081] (Regarding the acquisition unit 132) The acquisition unit 132 acquires the user ID of the payee user through a receipt request transmitted from the device used by the payee user in accordance with the operation of the payee user on the link information. For example, the acquisition unit 132 acquires the user ID of the payee user who is the transmission source of the receipt request in response to the receipt request for electronic money. The acquisition unit 132 passes the acquired user ID to the estimation unit 133.

[0082] (Regarding the estimation unit 133) The estimation unit 133 compares the user ID of the payee user acquired by the acquisition unit 132 with the user IDs stored in the flag information storage unit 122. If flag information indicating that the user is a user under suspicion of fraud is associated with the user ID of the payee user, the estimation unit 133 estimates that the payee user is a user under suspicion of fraud. That is, when flag information indicating that the user is a user under suspicion of fraud is associated with the user ID of the payee user, the estimation unit 133 regards the payee user as a user under suspicion of fraud. The estimation unit 133 delivers the processing result assuming that the payee user is a user under suspicion of fraud to the money transfer processing unit 134.

[0083] (Regarding the money transfer processing unit 134) When the money transfer processing unit 134 estimates that the payee user is a user under suspicion of fraud by the estimation unit 133, the money transfer processing unit 134 transmits a money transfer approval request to the payee user, and on the condition that an approval response indicating approval of the money transfer to the payee user is obtained from the remitter user, the money transfer processing unit 134 executes the money transfer process for the payee user.

[0084] In addition, when the money transfer processing unit 134 determines that the payee user corresponds to a user under suspicion of fraud by the estimation unit 133, the money transfer processing unit 134 transmits a receipt hold screen (see, for example, FIG. 2) for notifying the terminal device 10 used by the payee user that the receipt of the money transfer is temporarily held.

[0085] In addition, when it is estimated that the payee user corresponds to a user under suspicion of fraud, the money transfer processing unit 134 transmits a warning screen (see, for example, FIG. 3) for notifying the terminal device 10 used by the remitter user of a warning regarding the money transfer prior to the approval request.

[0086] In addition, when the money transfer processing unit 134 receives an approval response from the remitter user through the warning screen, the money transfer processing unit 134 executes the money transfer process for the payee user, and when the money transfer processing unit 134 receives a money transfer cancellation request for the payee user, the money transfer processing unit 134 cancels the money transfer to the payee user.

[0087] Also, when the remittance processing unit 134 cancels the remittance processing for the payee user in accordance with the remittance cancellation request, it transmits a remittance cancellation screen (see, for example, FIG. 2) for notifying the terminal device 10 used by the payee user that the remittance has been cancelled by the remitter user.

[0088] [3. Example of processing procedure] (3-1. Remittance processing) Hereinafter, with reference to FIG. 8, the flow of the remittance processing executed by the settlement service providing apparatus 100 according to the embodiment will be described. FIG. 8 is a flowchart showing an example of the processing procedure of the remittance processing executed by the settlement service providing apparatus 100 according to the embodiment. Note that the processing procedure shown in FIG. 8 is executed by the control unit 130 included in the settlement service providing apparatus 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 8 during the operation of the settlement service providing apparatus 100.

[0089] As shown in FIG. 8, the acquisition unit 132 acquires the user ID of the payee user who is the transmission source of the electronic money reception request (step S101).

[0090] Also, the estimation unit 133 executes an unauthorized user estimation process for the payee user (step S102).

[0091] Also, the remittance processing unit 134 determines whether or not the payee user is estimated to be a user with suspicion of fraud in the unauthorized user estimation process (step S103).

[0092] If the remittance processing unit 134 determines that the payee user is estimated to be a user with suspicion of fraud as a result of the process by the estimation unit 133 (step S103; Yes), it transmits a reception hold screen for notifying the terminal device 10 of the payee user that the remittance is temporarily held (step S104).

[0093] Also, the remittance processing unit 134 transmits a warning screen for notifying the terminal device 10 of the remitter user of a warning regarding the remittance (step S105).

[0094] Also, the remittance processing unit 134 determines whether it has received a remittance request from the remitter user (step S106).

[0095] When the remittance processing unit 134 determines that it has received a remittance request from the remitter user (step S106; Yes), it executes a remittance process according to the receiving request (step S107) and ends the processing procedure shown in FIG. 8.

[0096] On the other hand, when the remittance processing unit 134 determines that it has not received a remittance request from the remitter user (step S106; No), it determines whether it has received a remittance cancellation request from the remitter user (step S108).

[0097] When the remittance processing unit 134 determines that it has not received a remittance cancellation request from the remitter user (step S108; No), it determines whether a predetermined time has elapsed since the creation of the link information corresponding to the receiving request based on the information indicating the creation date and time of the link information included in the receiving request (step S109).

[0098] When the remittance processing unit 134 determines that a predetermined time has elapsed since the creation of the link information corresponding to the receiving request (step S109; Yes), it cancels the remittance according to the receiving request (step S110).

[0099] Also, the remittance processing unit 134 transmits a remittance cancellation screen for notifying the terminal device 10 of the remittee user that the remittance has been canceled (step S111) and ends the processing procedure shown in FIG. 8.

[0100] Also, in step S109 above, when the remittance processing unit 134 determines that a predetermined time has not elapsed since the creation of the link information corresponding to the receiving request (step S109; No), it proceeds to the processing procedure of step S106.

[0101] Also, in step S108 above, when the remittance processing unit 134 determines that it has received a remittance cancellation request from the remitter user (step S108; Yes), it proceeds to the processing procedure of step S110 above.

[0102] Also, in step S103 above, when the remittance processing unit 134 determines, as a result of the processing by the estimation unit 133, that the payee user has not been estimated as a user with suspicion of fraud (step S103; No), it proceeds to the processing procedure of step S107 above.

[0103] Note that the processing procedure shown in FIG. 8 does not necessarily have to be executed in the order shown in FIG. 8. The order of the processing procedures that can be executed in any order, such as executing the processing procedure corresponding to step S105 before the processing procedure corresponding to step S104, can be appropriately changed, and it may be executed in an order different from the example shown in FIG. 8.

[0104] (3-2. Fraudulent user estimation process) Hereinafter, with reference to FIG. 9, the flow of the fraudulent user estimation process executed by the settlement service providing apparatus 100 according to the embodiment will be described. FIG. 9 is a flowchart showing an example of the processing procedure of the fraudulent user estimation process executed by the settlement service providing apparatus 100 according to the embodiment. Note that the processing procedure shown in FIG. 9 is executed by the control unit 130 included in the settlement service providing apparatus 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 9 during the operation of the settlement service providing apparatus 100.

[0105] As shown in FIG. 9, the estimation unit 133 refers to the flag information associated with the user ID of the payee user, and determines whether the flag information associated with the user ID of the payee user is a flag indicating that the user is a user with suspicion of fraud (step S201).

[0106] When the estimation unit 133 determines that the user with flag information associated with the recipient user's user ID is a user with suspicion of fraud (step S201; Yes), it derives a processing result of estimating that the recipient user is a user with suspicion of fraud (step S202), and ends the processing procedure shown in FIG. 9.

[0107] When the estimation unit 133 determines that the user with flag information associated with the recipient user's user ID is not a user with suspicion of fraud (step S201; No), it derives a processing result of estimating that the recipient user is not a user with suspicion of fraud (step S203), and ends the processing procedure shown in FIG. 9.

[0108] 〔4. Modification Example〕 (4-1. Regarding the Reception Rejection Setting in the Message Service) In the above-described embodiment, an example of estimating a user with suspicion of fraud based on setting information regarding the setting of rejecting the reception of direct messages that can be directly exchanged with other users through the payment application by the payment service providing apparatus 100 has been described. The payment service providing apparatus 100 is not necessarily particularly limited to this example. For example, the user with suspicion of fraud may be estimated using the message block status in the message service. In this case, it is premised that the user IDs for identifying users in each service are linked in advance between the electronic payment service and the message service.

[0109] The payment service providing device 100 (for example, the setting unit 131) periodically acquires, for a service user of an electronic payment service, a second user ID in a message service associated with a first user ID in the electronic payment service, and requests the message service providing device 20 for information regarding the setting of message reception rejection in the message service using the acquired user ID. Further, the payment service providing device 100 refers to the block date and time from the block status of the message included in the information regarding the setting of message reception rejection provided by the message service providing device 20. Then, the payment service providing device 100 identifies, as a user under suspicion of fraud, a user who has performed a block after receiving electronic money by comparing the block date and time with the date and time of the electronic money receipt history of the corresponding user, and sets a flag in the flag information storage unit 122.

[0110] (4-2. System configuration, etc.) The information processing system SYS according to the above-described embodiment (for example, refer to FIG. 1, etc.) may be configured to include a plurality of servers in which a processing function corresponding to a settlement process related to an electronic payment service and a processing function for executing the information processing according to the embodiment (for example, refer to FIGS. 9 and 10, etc.) among various processing functions of the payment service providing device 100 are functionally or physically distributed.

[0111] Also, among the respective processes described in the above-described embodiment, all or part of the processes described as being automatically performed can be manually performed, and conversely, all or part of the processes described as being manually performed can be automatically performed by a known method. In addition, regarding the processing procedures, specific names, and information including various data and parameters shown in the above document and drawings, they can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

[0112] In addition, each component of each illustrated device is functionally conceptual and does not necessarily have to be physically configured as illustrated. That is, the specific form of distribution and integration of each device is not limited to that shown, and all or part of it can be functionally or physically distributed and integrated in any unit according to various loads, usage situations, etc.

[0113] Also, the above-described embodiments can be appropriately combined within a range that does not conflict with the processing content.

[0114] 〔5. Effects〕 As described above, the settlement service providing apparatus 100 according to the embodiment is an information processing apparatus that performs processing related to an electronic payment service in which electronic money can be transferred between users using link information provided from a remitter user (for example, user U-1 shown in FIG. 1) who is the remitter of the electronic money to a payee user (for example, user U-2 shown in FIG. 1) who is the payee of the electronic money. The flag information storage unit 122, the acquisition unit 132, and the estimation unit 133. The flag information storage unit 122 stores in advance flag information indicating whether a user is a user with suspicion of fraud, in association with identification information assigned to identify each user in the electronic payment service. The acquisition unit 132 acquires the identification information (for example, user ID) of the payee user transmitted from the device (for example, the terminal device 10-2 shown in FIG. 1) used by the payee user in accordance with an operation of the payee user on the link information. The estimation unit 133 collates the identification information of the payee user acquired by the acquisition unit 132 with the identification information stored in the flag information storage unit 122, and if flag information indicating that the payee user is a user with suspicion of fraud is associated with the identification information of the payee user, estimates that the payee user is a user with suspicion of fraud.

[0115] For this reason, the settlement service providing apparatus 100 according to the embodiment can estimate whether a receiving-side user who receives electronic money using link information is a user suspected of stealing electronic money by abusing the electronic payment service, and can prevent fraudulent acts in the electronic payment service.

[0116] In addition, the settlement service providing apparatus 100 according to the embodiment further includes a setting unit 131. When the receiving request is acquired, the setting unit 131 acquires information regarding the reception rejection setting of the direct message corresponding to the remittance destination user or the remittance reception history, and determines whether the remittance destination user is a user suspected of fraud based on the acquired information regarding the reception rejection setting or the reception history, and sets flag information based on the determination result. Thereby, the settlement service providing apparatus 100 can execute appropriate setting of the flag information.

[0117] In addition, the settlement service providing apparatus 100 according to the embodiment further includes a remittance processing unit 134. When the estimation unit 133 estimates that the remittance destination user is a user suspected of fraud, the remittance processing unit 134 transmits a remittance approval request to the remittance destination user, and executes a remittance process for the remittance destination user on the condition that an approval response indicating that the remittance to the remittance destination user is approved is acquired from the remitting user. Thereby, the settlement service providing apparatus 100 can provide the remitting user with an opportunity to confirm before remittance, and can be expected to prevent a remittance from being made against the will of the remitting user.

[0118] In addition, when the estimation unit 133 estimates that the remittance destination user corresponds to a user suspected of fraud, the remittance processing unit 134 may transmit a reception hold screen (for example, the reception hold screen AG1-1 shown in FIG. 2) for notifying the apparatus used by the remittance destination user that the reception of the remittance is temporarily held.

[0119] In addition, when the remittance processing unit 134 is estimated by the estimation unit 133 to correspond to a user with suspicion of fraud, prior to the approval request, a warning screen (for example, the warning screen AG2 shown in FIG. 3) for notifying a warning regarding the remittance may be transmitted to the device used by the remitting user.

[0120] In addition, the remittance processing unit 134 may transmit, to the device used by the remitting user, information indicating past remittance cases by the user with suspicion of fraud, through the warning screen.

[0121] In addition, when the remittance processing unit 134 receives an approval response from the remitting user through the warning screen, the remittance processing unit 134 may execute the remittance process for the remittance recipient user, and when receiving a request to cancel the remittance from the remitting user to the remittance recipient user, the remittance processing unit 134 may cancel the remittance to the remittance recipient user.

[0122] In addition, when the remittance processing unit 134 cancels the remittance to the remittance recipient user according to the remittance cancellation request, the remittance processing unit 134 may transmit a remittance cancellation screen (for example, the remittance cancellation screen AG1-2 shown in FIG. 2) for notifying the device used by the remittance recipient user that the remittance has been cancelled by the remitting user.

[0123] In addition, the setting unit 131 refers to the information regarding the reception rejection setting, and if the number of times of performing the setting to reject the reception of a direct message from the corresponding user after receiving a remittance from another user within a predetermined period is equal to or more than a predetermined number of times, the setting unit 131 may determine that the corresponding user is a user with suspicion of fraud. Thereby, the settlement service providing apparatus 100 can appropriately determine a user with suspicion of fraud.

[0124] In addition, the setting unit 131 refers to the reception history, and if the user has received remittances from other users a predetermined number of times or more within a predetermined period, or if the received amount within a predetermined period exceeds a predetermined amount, the setting unit 131 may determine that the corresponding user is a user with suspicion of fraud. Thereby, the settlement service providing apparatus 100 can appropriately determine a user with suspicion of fraud.

[0125] In this way, the payment service providing apparatus 100 can be expected to have the effect of preventing damage caused by illegal acts by the processing executed by each of the above-described units, or any combination of the processing executed by each unit.

[0126] 〔6. Hardware Configuration〕 Also, the payment service providing apparatus 100 according to the above-described embodiment or modification example is realized by, for example, a computer 1000 having a configuration as shown in FIG. 11. FIG. 11 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment service providing apparatus 100 according to the embodiment or modification example.

[0127] The computer 1000 has a form in which an output device 1010, an input device 1020 are connected, and an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

[0128] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, etc., and executes various processes. The primary storage device 1040 is a memory device that primarily stores data used by the arithmetic unit 1030 for various operations, such as a RAM. Also, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 for various operations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD, a flash memory, etc.

[0129] Output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information such as a monitor or a printer, and is realized by connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (Registered Trademark) (High Definition Multimedia Interface). Also, input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, USB or the like.

[0130] Note that the input device 1020 may be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

[0131] Network IF 1080 receives data from other devices via the network N and sends it to the arithmetic unit 1030, and also sends data generated by the arithmetic unit 1030 via the network N to other devices.

[0132] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0133] For example, when the computer 1000 functions as the settlement service providing apparatus 100 according to an embodiment or a modification, the arithmetic unit 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to realize the same functions as the control unit 130. That is, the arithmetic unit 1030 realizes the processing by the settlement service providing apparatus 100 according to the embodiment or the modification in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040.

[0134] [7. Others] As described above, some of the embodiments of the present application have been described in detail with reference to the drawings. However, these are merely examples, and the present invention can be implemented in other forms obtained by making various modifications and improvements based on the knowledge of those skilled in the art, including the aspects described in the column of the disclosure of the invention.

[0135] In addition, the above-described settlement service providing apparatus 100 can have its configuration flexibly changed, such as by calling an external platform or the like through an API (Application Programming Interface) or network computing depending on its functions.

[0136] Also, the "section" described in the claims can be read as "means", "circuit", or the like. For example, the control section can be read as a control means or a control circuit.

Explanation of Reference Numerals

[0137] 10-1, 10-2 Terminal devices 20 Message service providing apparatus 100 Settlement service providing apparatus 110 Communication section 120 Storage section 121 Setting information storage section 122 Flag information storage section 123 Receipt history storage section 130 Control section 131 Setting section 132 Acquisition section 133 Estimation Unit 134 Remittance Processing Unit

Claims

1. An information processing apparatus that performs processing related to an electronic payment service that enables the transfer of electronic money between users using link information provided from a remitter user who is the source of the electronic money to a recipient user who is the destination of the electronic money for the transfer of the electronic money, a flag information storage unit that stores in advance flag information indicating whether a user is a user under suspicion of fraud, in association with identification information assigned to identify each user in the electronic payment service; an acquisition unit that acquires recipient identification information, which is the identification information for identifying the recipient user who has operated the link information, through a reception request transmitted from the device used by the recipient user, in accordance with an operation performed by the recipient user, with respect to the link information in which information on the transfer amount specified by the remitter user and the remitter identification information, which is the identification information for identifying the remitter user, are associated; a presumption unit that collates the recipient identification information acquired by the acquisition unit with the identification information stored in the flag information storage unit, and presumes that the recipient user is a user under suspicion of fraud when the flag information indicating that the user is a user under suspicion of fraud is associated with the identification information that matches the recipient identification information; An information processing apparatus characterized by comprising the above.

2. a payment processing unit that, when the presumption unit presumes that the recipient user corresponds to a user under suspicion of fraud, transmits a reception hold screen for notifying that the reception of the transfer corresponding to the reception request is temporarily held, through a payment application operating on the device used by the recipient user; The information processing apparatus according to claim 1, further comprising the above.

3. The payment processing unit: when receiving a cancellation request for the transfer from the remitter user to the recipient user, transmits a transfer cancellation screen for notifying the remitter user that the transfer has been cancelled, through the payment application; The information processing apparatus according to claim 2, characterized by the above.

4. The payment processing unit: when the presumption unit presumes that the recipient user corresponds to a user under suspicion of fraud, transmits a warning screen for notifying a warning regarding the transfer to the device used by the remitter user; The information processing apparatus according to claim 2, characterized by the above.

5. The payment processing unit: Transmitting the warning screen provided with a button for the payee user to send a money transfer cancellation request The information processing apparatus according to claim 4, characterized in that

6. The money transfer processing unit Transmitting the warning screen provided with a button for contacting the payee user The information processing apparatus according to claim 4, characterized in that

7. An information processing method executed by a computer that performs processing related to an electronic payment service that enables the transfer of electronic money between users using link information provided from a remitter user who is the source of the electronic money to a payee user who is the destination of the electronic money for the transfer of the electronic money, An acquisition step of acquiring payee identification information, which is the identification information for identifying the payee user who operated the link information, through a receipt request transmitted from the device used by the payee user in accordance with an operation performed by the payee user with respect to the link information in which information on the transfer amount designated by the remitter user and remitter identification information, which is the identification information for identifying the remitter user, are associated; A flag information storage unit that stores in advance flag information indicating whether or not a user is a user under suspicion of fraud in association with the identification information given to identify each user in the electronic payment service, and collating the payee identification information acquired in the acquisition step with the identification information stored in the flag information storage unit, and if the flag information indicating that the user is a user under suspicion of fraud is associated with the identification information that matches the payee identification information, an estimation step of estimating that the payee user is a user under suspicion of fraud An information processing method characterized by including

8. In a computer that performs processing related to an electronic payment service that enables the transfer of electronic money between users using link information provided from a remitter user who is the source of the electronic money to a payee user who is the destination of the electronic money for the transfer of the electronic money, For the link information in which the information on the transfer amount specified by the sender user is associated with the sender identification information which is the identification information for identifying the sender user, through a receipt request transmitted from the device used by the recipient user in accordance with an operation performed by the recipient user, an acquisition procedure for acquiring the recipient identification information which is the identification information for identifying the recipient user who has operated the link information; An estimation procedure for estimating that the recipient user is a user under suspicion of fraud when the flag information indicating whether or not the user is a user under suspicion of fraud is associated with the identification information stored in the flag information storage unit which stores in advance the flag information in association with the recipient identification information acquired by the acquisition procedure and the identification information given for identifying each user in the electronic payment service; An information processing program characterized by causing the above to be executed.

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