Information processing device, information processing method, program, and information processing system

Abstract

To make it possible to improve usability.SOLUTION: An information processing device is provided that includes an acquisition unit that acquires, via NFC (Near Field Communication), identification information for identifying a user of a remittance destination in an electronic settlement server that provides a remittance service, and transition information to transition to a screen for remittance to the user of the remittance destination, and a display control unit that displays a predetermined notification on a display unit based on the acquisition of the identification information and transition information at the acquisition unit, and displays a screen on the display unit in response to receiving an operation in response to the predetermined notification.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present disclosure relates to an information processing device, an information processing method, a program, and an information processing system. [Background technology]

[0002] Cashless payments, which do not require the use of currency when paying for goods or services, are becoming increasingly common. In particular, electronic payments using payment applications (hereinafter referred to as electronic payment apps) that can be installed on terminal devices such as smartphones are attracting attention due to their high convenience.

[0003] Patent Document 1 discloses a method for making a payment at a store by reading store identification information and the like from an NFC (Near Field Communication) tag placed in the store. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2021-135805 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the above-mentioned conventional techniques have room for improvement in terms of improving the usability of remittance services.

[0006] The present disclosure aims to improve usability. [Means for solving the problem]

[0007] An information processing device according to one embodiment of the present disclosure is characterized by comprising: an acquisition unit that acquires, via NFC (Near Field Communication), identification information for identifying a remittance destination user in an electronic payment server that provides remittance services, and transition information for transitioning to a screen for remittance to the remittance destination user; and a display control unit that displays a predetermined notification on a display unit based on the acquisition of the identification information and the transition information by the acquisition unit, and displays the screen on the display unit in response to receiving an operation in response to the predetermined notification. [Effects of the Invention]

[0008] According to the present disclosure, usability can be improved. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 10 is a diagram illustrating an example of information processing. [Figure 2] FIG. 1 illustrates an example of a system configuration. [Figure 3] FIG. 2 is a block diagram illustrating an example of a hardware configuration of an information processing device. [Figure 4] FIG. 2 is a diagram illustrating an example of the software configuration of an electronic payment server. [Figure 5] FIG. 10 is a diagram showing an example of electronic account information stored in an account database. [Figure 6] FIG. 10 is a diagram showing an example of remittance information stored in the PS user information database. [Figure 7] FIG. 10 is a diagram illustrating an example of terminal identification information stored in a terminal identification information database. [Figure 8] FIG. 2 illustrates an example of a software configuration of a terminal device. [Figure 9] FIG. 10 is a sequence diagram illustrating an example of a flow of information processing. [Figure 10] FIG. 10 is a diagram showing an example of a screen displayed on a terminal device of a remitter. [Figure 11] FIG. 10 is a diagram showing an example of a screen displayed on a terminal device of a remittance destination. [Figure 12] 10 is a flowchart illustrating an example of processing executed by a terminal device. DETAILED DESCRIPTION OF THE INVENTION

[0010] Preferred embodiments of an information processing device, an information processing method, a program, and an information processing system according to the present disclosure will be described in detail below with reference to the drawings. Note that the information processing device, the information processing method, the program, and the information processing system according to the present disclosure are not limited to the following embodiments. Furthermore, the same components in the following embodiments will be assigned the same reference numerals, and duplicated descriptions will be omitted.

[0011] First Embodiment [1. An example of a possible case] Applications that can be installed on terminal devices such as smartphones include electronic payment applications, etc. In the following, applications may be simply referred to as apps.

[0012] Electronic payment apps are operated and managed by service providers that provide electronic payment services, etc. Electronic payment apps can provide not only electronic payment services for making payments for goods or services, but also remittance services for exchanging electronic currency (hereinafter referred to as electronic money) between users.

[0013] Remittance services enable the exchange of currency without the intervention of financial institutions such as banks, and can be implemented on portable information processing devices such as smartphones, so they are expected to be used with a high degree of flexibility. As a concrete example of using a remittance service, consider the case of giving pocket money. A first user can use the remittance service of an electronic payment app to send electronic money equivalent to the pocket money to a designated second user.

[0014] Unlike electronic payment services, remittance services allow electronic money to be exchanged anywhere and at any time. Electronic payment services are often used when paying for purchases in stores, and are subject to significant limitations in terms of location and time. On the other hand, as mentioned above, remittance services allow electronic money to be exchanged as long as the sender can specify the recipient.

[0015] Some terminal devices have a function (hereinafter referred to as a short-range wireless communication function) that enables data transmission and reception via short-range wireless communication such as NFC (Near Field Communication). Such terminal devices can receive stored data from a communication control medium (hereinafter referred to as a wireless tag) that has an IC (Integrated Circuit) chip, an antenna coil, etc., and that can communicate according to a short-range wireless communication standard. Usability can be improved by combining a wireless tag with a terminal device that has a short-range wireless communication function.

[0016] For example, as disclosed in the above-mentioned prior art (Patent Document 1), a wireless tag stores identification information of a store that has a contract with a service provider that provides electronic payment services, and transition information for transitioning to a payment screen for inputting the price. A terminal device with a short-range wireless communication function can then acquire the identification information and the transition information from the wireless tag via short-range wireless communication, thereby displaying a payment screen for inputting the price to be paid to the store.

[0017] However, unlike using electronic payment services, using a remittance service requires both the recipient user and the sender user to launch an electronic payment app and perform the necessary operations to send the money, which places a significant burden on both users. This leaves room for improvement in terms of usability. For example, by receiving information from a wireless tag used to access the remittance service to transition to a screen where the remittance service can be used, the burden on users for sending money between individuals can be reduced. Below, we will explain how usability can be improved.

[0018] [2-1. Information processing devices] FIG. 1 is a diagram showing an example of information processing executed by an information processing device according to this embodiment. First, the information processing device according to this embodiment will be described with reference to FIG. 1. Note that the terminal device (1) 101, the terminal device (2) 102, and the electronic payment server 103 in FIG. 1 are all types of information processing devices. Below, the information processing executed by the terminal device (1) 101 will be described together with the processing executed by the terminal device (2) 102 and the electronic payment server 103. Below, the terminal device (1) 101 will be referred to as the first terminal 101, and the terminal device (2) 102 will be referred to as the second terminal 102.

[0019] (Regarding the first terminal 101) The first terminal 101 is an information processing device used by a user who receives electronic payment services, remittance services, and the like. In this embodiment, the first terminal 101 is described as a smartphone, but is not limited to this. The first terminal 101 may be, for example, a tablet terminal, a notebook PC (Personal Computer), or a PDA (Personal Digital Assistant).

[0020] First terminal 101 can display screens and other information provided by electronic payment server 103 using a web browser, an app, or the like. In this embodiment, first terminal 101 has a short-range wireless communication function. A user who owns first terminal 101 can enable the short-range wireless communication function by operating first terminal 101. The short-range wireless communication function can also be realized by installing software such as an app for performing short-range wireless communication on first terminal 101.

[0021] First terminal 101 can receive information stored in a wireless tag through short-range wireless communication. Also, first terminal 101 can transmit information stored in itself to a wireless tag through short-range wireless communication. Note that second terminal 102 has the same configuration as first terminal 101, and the following description of the configuration of second terminal 102 will be omitted.

[0022] (About wireless tags) The wireless tag in this embodiment includes, for example, an IC chip and an antenna coil. The wireless tag can write information received via short-range wireless communication into a memory unit in the IC chip. The wireless tag can also read information stored in the memory unit in the IC chip via short-range wireless communication and transmit the information using the antenna coil.

[0023] The storage unit of the wireless tag can store various information, such as information for identifying users managed by the electronic settlement server 103, information for transitioning to a screen for using the remittance service, and information for controlling the first terminal 101.

[0024] (Regarding the electronic payment server 103) The electronic payment server 103 is an information processing device that provides an electronic payment service that performs electronic payment processing and a remittance service that performs remittance processing. For example, the electronic payment server 103 can be realized by a server device or a cloud system. By installing an electronic payment app on a terminal device, a user can use multiple services provided by the electronic payment server. Note that the electronic payment service and remittance service can also be used by accessing a page provided by the electronic payment server 103 using a general web browser.

[0025] In this embodiment, a user who receives services from the electronic payment server 103 is referred to as a PS user. A PS user is, for example, a user who has acquired an account within an electronic payment app. The acquired account is managed by the electronic payment server 103.

[0026] Electronic payment processing refers to the process of transferring electronic money equivalent to the payment amount from the electronic account of a PS User who has received goods or services to the electronic account of the store that provided the goods or services when making a payment at a store that has contracted with a service provider that provides electronic payment services. Money transfer processing refers to the process of transferring electronic money equivalent to the transfer amount from the electronic account of a PS User who is the sender of the money to the electronic account of a PS User who is the recipient of the money.

[0027] [2-2. An example of information processing] (About information processing) An overview of information processing according to this embodiment will be described below. Hereinafter, a user who receives services from the electronic payment server 103 and owns the first terminal 101 will be referred to as a first PS user, and a user who owns the second terminal 102 will be referred to as a second PS user.

[0028] The first terminal 101 acquires, from the wireless tag, transition information for transitioning to a screen where the remittance amount can be input, and identification information for identifying a PS user managed by the electronic payment server 103 (S1). For example, the first PS user brings the first terminal 101, which has the short-range wireless communication function enabled, close to the wireless tag within a distance where short-range wireless communication is possible (e.g., about 10 cm). Then, the first terminal 101 receives, from the wireless tag, transition information for transitioning to a screen where the remittance amount can be input, which are stored in the memory unit of the wireless tag, and identification information for identifying a second PS user managed by the electronic payment server 103.

[0029] When the first terminal 101 acquires the transition information in S1, it displays a notification (hereinafter referred to as a remittance amount input notification) for displaying a screen on the electronic payment application where the remittance amount can be input (S2). For example, the first terminal 101 displays the remittance amount input notification, in which the transition destination is specified by the transition information received in S1, on a display unit provided on the first terminal 101.

[0030] The first terminal 101 requests the electronic payment server 103 for a screen on which the remittance amount can be input based on the PS user's operation in response to the remittance amount input notification displayed in S2 (S3). For example, the first PS user performs an operation (such as a tap operation) in response to the remittance amount input notification. When the first terminal 101 detects the first PS user's operation in response to the remittance amount input notification, it launches the electronic payment app and requests the electronic payment server 103 for a screen on which the remittance amount can be input. At this time, the first terminal 101 can transmit the identification information of the second PS user received in S1 to the electronic payment server 103.

[0031] In response to the request received in S3, the electronic payment server 103 transmits a screen on which the remittance amount can be input to the requesting first terminal 101 (S4). For example, the electronic payment server 103 transmits to the first terminal 101 a screen on which the remittance amount can be input, with the second PS user set as the remittance recipient.

[0032] The first terminal 101 transmits the remittance amount to the electronic payment server 103 based on the PS user's transmission operation on the screen on which the remittance amount received in S4 can be input (S5). For example, the first PS user inputs the remittance amount on a screen displayed on the electronic payment app on which the remittance amount can be input, and performs an operation to transmit the remittance amount. When the first terminal 101 detects the first PS user's transmission operation of the remittance amount, it transmits information indicating the input remittance amount to the electronic payment server 103. In addition, the first terminal 101 can transmit identification information for identifying the second PS user and identification information for identifying the first PS user to the electronic payment server 103 for the remittance process performed by the electronic payment server 103.

[0033] When the electronic payment server 103 receives the remittance amount in S5, it notifies the second terminal 102 of a receipt request (S6). In this embodiment, a receipt request is a request from the remitter PS user to the recipient PS user to receive electronic money. The receipt request notification also includes information for transitioning to a screen displayed on the electronic payment app for receiving electronic money. The electronic payment server 103 notifies the second terminal 102 of a receipt request from the first PS user as the remitter. The receipt request notification can be implemented, for example, as a push notification.

[0034] The second terminal 102 notifies the electronic payment server 103 that it will receive the electronic money (S7). For example, when the second terminal 102 detects an operation by the second PS user in response to the receipt request notification received in S6, it launches the electronic payment app and displays a screen for selecting whether to accept the receipt request. The second PS user performs a receiving operation to receive the electronic money on the screen displayed on the electronic payment app for selecting whether to accept the receipt request. When the second terminal 102 detects the receiving operation by the second PS user, it transmits information indicating that it accepts the receipt request to the electronic payment server 103.

[0035] When the electronic settlement server 103 receives the information indicating that the receipt request is accepted in S7, it executes the remittance process (S8).

[0036] The above is an overview of the main information processing of this embodiment. Note that detailed information processing from S6 to S8 and information processing after S8, which are not shown in FIG. 1, will be described later.

[0037] [3. An example of an information processing system] Fig. 2 is a diagram showing an example of the configuration of an information processing system. The configuration of the information processing system according to this embodiment will be described with reference to Fig. 2. The information processing system has a first terminal 101, a second terminal 102, and an electronic payment server 103. These devices are connected to each other via a network N so that they can communicate with each other via wired or wireless means. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

[0038] In FIG. 2, for the sake of simplicity, a first terminal 101 and a second terminal 102 are shown, but this is merely an example and is not limiting. That is, there may be three or more terminal devices in an information processing system. The first terminal 101 can connect to the network N via a wireless communication network such as LTE (Long Term Evolution), a 4G (4th Generation) mobile communication system, or a 5G mobile communication system, and communicate with other devices. The first terminal 101 can connect to the network N via short-range wireless communication such as Bluetooth (registered trademark) and wireless LAN, and communicate with other devices. The same applies to the second terminal 102, so a description thereof will be omitted.

[0039] Information transmitted and received between the first terminal 101, the second terminal 102, the electronic payment server 103, and other devices may be written in a script language such as JavaScript (registered trademark). The information transmitted and received may be written in a style sheet language such as CSS (Cascading Style Sheets) or a programming language such as Java (registered trademark). The information transmitted and received may be written in a markup language such as XML (Extensible Markup Language) or HTML (HyperText Markup Language).

[0040] [4. An example of the hardware configuration of an information processing device] The first terminal 101, second terminal 102, and electronic payment server 103 described above are realized, for example, by an information processing device 300 ("an example of a computer") configured as shown in FIG. 3. FIG. 3 is a block diagram showing an example of the hardware configuration of the information processing device 300. The information processing device 300 has a CPU 301, a ROM 302, a RAM 303, a storage device 304, an input / output I / F 305, and a network I / F 306. The components are connected to each other via a system bus.

[0041] (About CPU301) The CPU 301 reads a program stored in the ROM 302 into the RAM 303 and executes the read program to realize various controls. The CPU 301 may be an MPU (Micro Processing Unit) or an ASIC (Application Specific Integrated Circuit). The CPU 301 may also be an FPGA (Field Programmable Gate Array) or the like.

[0042] (About ROM302) The ROM 302 stores control programs such as a startup program for the information processing device 300.

[0043] (About RAM303) The RAM 303 temporarily stores control programs, data, etc. when the CPU 301 executes various controls. The RAM 303 is used as a work memory.

[0044] (Regarding storage device 304) The storage device 304 is a memory for storing applications, software, various data, etc. Examples of the storage device 304 include a hard disk drive (HDD), a solid state drive (SDD), flash memory, and storage. In the case of the electronic payment server 103, the storage device 304 stores an account information database (hereinafter, the database will be referred to as DB), a PS user information DB, a terminal identification information DB, etc., which will be described later.

[0045] (About input / output I / F305) The input / output I / F 305 is an interface for transmitting output information to an output device such as a display unit 310. Examples of the display unit 310 include a display and a projector. The display unit 310 may be provided outside the information processing device 300 as shown in FIG. 3, or may be provided within the information processing device 300.

[0046] The input / output I / F 305 is an interface for receiving input information from an input device such as the input unit 311. Examples of the input unit 311 include a mouse, a keyboard, a button, a touch panel, and operation keys. The input unit 311 may be provided outside the information processing device 300 as shown in FIG. 3, or may be provided within the information processing device 300.

[0047] Furthermore, the input / output I / F 305 may be connected wirelessly or by wire to the display unit 310 and the input unit 311. The input / output I / F 305 may be configured as being divided into an input I / F and an output I / F.

[0048] (About Network I / F306) The network I / F 306 is an interface for receiving data etc. from other devices via the network N, and for transmitting data generated or stored in the information processing device 300 etc. to other devices via the network N.

[0049] Note that information processing device 300 is not limited to the configuration shown in Fig. 3. For example, first terminal 101 and second terminal 102 may be provided with an antenna unit or the like for realizing a short-range wireless communication function.

[0050] Information processing device 300 may also include a media I / F (not shown). The media I / F reads programs and data stored in a storage device (not shown) connected by wire or wirelessly, and provides them to CPU 301 via RAM 303. CPU 301 can read the provided programs from the storage device onto RAM 303 via the media I / F and execute the read programs. The storage device may be, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase Change Rewritable Disk), or a magneto-optical recording medium such as an MO (Magneto-Optical disk). The storage device may also be a tape medium, a magnetic recording medium, a semiconductor memory, or the like.

[0051] For example, when the information processing device 300 functions as the first terminal 101 or the second terminal 102, the CPU 301 of the information processing device 300 executes a program read onto the RAM 303 to realize various functions of the information processing device 300.

[0052] The CPU 301 of the information processing device 300 reads and executes these programs from a storage device, but as another example, these programs may be acquired from another device via a predetermined communication network. Furthermore, it goes without saying that the information processing device 300 is provided with a configuration necessary to realize the information processing in this embodiment.

[0053] [5. An example of software configuration for an electronic payment server] Figure 4 is a diagram showing an example of the software configuration of the electronic payment server 103. The configuration of the electronic payment server 103 in this embodiment will be described with reference to Figure 4. The electronic payment server 103 has a communication unit 400, a control unit 410, and a storage unit 420. The control unit 410 includes a receiving unit 411, a sending unit 412, a payment processing unit 413, a remittance processing unit 414, and a determination unit 415. The control unit 410 controls the entire electronic payment server 103. The storage unit 420 includes an account information DB 421, a PS user information DB 422, and a terminal identification information DB 423.

[0054] (Regarding account information DB421) The account information DB 421 stores electronic account information for PS users. Fig. 5 is a diagram showing an example of electronic account information stored in the account information DB 421. The electronic account information includes an account ID 501, a PS user ID 502, and an account balance 503.

[0055] The account ID 501 is an identifier for uniquely identifying a PS user's account. The PS user ID 502 is an identifier for uniquely identifying a PS user. The account balance 503 indicates the balance of electronic money in the PS user's electronic account. The electronic money may be, for example, points or currency awarded by a service provider that operates an electronic payment service, or it may be electronically tradable currency provided by a country, such as Japanese yen or dollars. The PS user can pay for goods or services and transfer electronic money within the balance of their electronic account. The electronic payment server 103 manages the PS user's electronic account by linking it to the PS user ID 502.

[0056] (About PS User Information DB422) The PS user information DB 422 stores remittance information of PS users. Figure 6 is a diagram showing an example of remittance information 601 stored in the PS user information DB 422. The electronic payment server 103 manages the remittance information 601 by linking it to the PS user ID 502. The remittance information 601 includes a remittance ID, a remittance amount, a remittance destination, and a date and time.

[0057] The remittance ID is an identifier for identifying the remittance process executed by the electronic payment server 103. The remittance amount indicates the amount of electronic money transferred in the remittance process. The remittance destination indicates the PS user ID of the remittance destination. The date and time indicates the date and time when the remittance process was executed by the electronic payment server 103. As shown in Figure 6, the electronic payment server 103 manages remittance information 601 for each remitting PS user.

[0058] (About terminal identification information DB423) Terminal identification information for identifying terminal devices owned by PS users is stored in the terminal identification information DB 423. Fig. 7 is a diagram showing an example of terminal identification information 701 stored in the terminal identification information DB 423.

[0059] The terminal identification information 701 is an identifier for uniquely identifying a terminal device of a PS user. The electronic payment server 103 manages the terminal identification information 701 in association with the PS user ID 502.

[0060] Here, we assume that a PS user enables a notification function for the electronic payment app that allows the user to receive notifications even when the terminal device is in sleep mode. Sleep mode refers to a low-power state in which the terminal device consumes less power than when the terminal device is being used by the PS user. For example, sleep mode refers to a state in which the display of the terminal device is turned off. When the PS user enables the notification function, the terminal device transmits terminal identification information 701 for identifying the terminal device to the electronic payment server 103. The electronic payment server 103 then manages the received terminal identification information 701 by linking it to the PS user ID 502. A terminal device with the enabled notification function can receive notifications from the electronic payment server 103 even when the electronic payment app screen is not displayed on the terminal device's display. In other words, the PS user can check the receipt request notification (described later) without launching the electronic payment app. To implement the notification function, the electronic payment server 103 may operate in conjunction with a notification server (not shown) that sends notifications to terminal devices to notify specific terminal devices.

[0061] (Regarding the communication unit 400) The communication unit 400 communicates with the first terminal 101, the second terminal 102, and other devices via the network N.

[0062] (Regarding the receiving unit 411) The receiving unit 411 receives, via the communication unit 400, a request for a screen on which the remittance amount can be input, information indicating the remittance amount, and other information.

[0063] (Regarding the transmitting unit 412) The sending unit 412 sends a screen on which the remittance amount can be input, a receipt request, and other information.

[0064] (Regarding the payment processing unit 413) The payment processor 413 performs electronic payment processing based on the electronic payment method described below when a PS user makes a payment at a store or the like.

[0065] (About electronic payment methods) There are two types of electronic payment methods: a first electronic payment method in which a store clerk scans a code presented by a user and makes payment based on the scanned information, and a second electronic payment method in which a user reads a code placed in a store and makes payment based on the read information.

[0066] (Regarding the remittance processing unit 414) The remittance processing unit 414 performs remittance processing based on the remittance procedure of the remitter PS user using the electronic payment application.

[0067] (Regarding remittance procedures) There are two remittance procedures: a first remittance procedure in which the sending PS user specifies the destination PS user and the amount to be remitted, and a second remittance procedure in which the sending PS user specifies the amount to be remitted, with a specified PS user set as the destination.

[0068] In the first remittance procedure, the PS user who is the remitter operates the electronic payment app to specify the PS user who is the recipient and the amount to be remitted on a remittance screen (not shown) displayed on the electronic payment app. The first remittance procedure places a heavy burden on the PS user because it may involve multiple screen transitions and multiple operations to specify the PS user who is the recipient and the amount to be remitted.

[0069] On the other hand, the second remittance procedure does not require the PS user to specify the remittance destination PS user, and therefore imposes a smaller burden on the PS user than the first remittance procedure. Details of the second remittance procedure will be explained later. Note that the electronic settlement server 103 in this embodiment can execute the remittance process from either the first remittance procedure or the second remittance procedure.

[0070] (Regarding the determination unit 415) The determination unit 415 determines the content of the response / non-response information and other information received by the receiving unit 411, which will be described later.

[0071] [6. Example of software configuration of terminal device] FIG. 8 is a diagram showing an example of the software configuration of the first terminal 101. The configuration of the first terminal 101 in this embodiment will be described with reference to FIG. 8. The first terminal 101 has a communication unit 800, a control unit 810, and a storage unit 820. The control unit 810 includes an acquisition unit 811, a receiving unit 812, a transmission unit 813, an operation unit 814, and a display control unit 815. The control unit 810 controls the entire first terminal 101.

[0072] (Regarding the communication unit 800) The communication unit 800 communicates with the electronic settlement server 103 and other devices via the network N.

[0073] (Regarding the acquisition unit 811) The acquisition unit 811 acquires communication data via the communication unit 800 by short-range wireless communication based on the NFC communication standard.

[0074] (Regarding the receiving unit 812) The receiving unit 812 receives, via the communication unit 800, a screen on which the remittance amount can be input, as well as other information.

[0075] (Regarding the transmitting unit 813) The transmitting unit 813 transmits a request for a screen on which the remittance amount can be input, information indicating the remittance amount, and other information via the communication unit 800. The transmitting unit 813 in this embodiment can transmit communication data by short-range wireless communication based on the NFC communication standard.

[0076] (Regarding the operation unit 814) The operation unit 814 detects operations by the PS user on a display unit such as a display provided on the first terminal 101. The operation unit 814 accepts input by the PS user on a screen displayed on the display unit.

[0077] (Regarding the display control unit 815) The display control unit 815 displays application icons, application screens, other screens, notifications, and the like on a display unit such as a display provided in the first terminal 101.

[0078] [7. An example of information processing] Fig. 9 is a sequence diagram showing an example of the flow of information processing among the first terminal 101, the second terminal 102, and the electronic payment server 103. Fig. 10 is a diagram showing an example of a screen displayed on the first terminal 101. Fig. 11 is a diagram showing an example of a screen displayed on the second terminal 102. The flow of information processing according to this embodiment will be described with reference to Figs. 9 to 11.

[0079] 10 is a diagram showing an example of a screen displayed on the first terminal 101. For example, the home screen 1000 is a screen that is displayed on the display unit 310 of the first terminal 101 when the first terminal 101 is started up. The home screen 1000 displays an icon 1001 of an electronic payment application, and icons 1002 to 1004 of applications 1 to 3.

[0080] In this embodiment, it is assumed that the short-range wireless communication function is enabled in first terminal 101 so that the function is utilized when first terminal 101 is activated (hereinafter referred to as activated state).

[0081] In S901, the first terminal 101 acquires, from a wireless tag, transition information for transitioning to a screen where the remittance amount can be input, and identification information for identifying the second PS user. For example, the first PS user brings the activated first terminal 101 close to the wireless tag within a distance that allows short-range wireless communication. The first terminal 101 then receives the transition information and identification information stored in the memory unit of the wireless tag from the wireless tag. Specifically, the transition information includes the URL (Uniform Resource Locator) scheme of the electronic payment app and is information that specifies the page to be displayed on the electronic payment app.

[0082] In S902, upon acquiring the transition information in S901, the first terminal 101 notifies the first PS user of the remittance amount input. For example, the first terminal 101 displays a remittance amount input notification 1011 on the display unit 310. The remittance amount input notification screen 1010 shown in FIG. 10 shows a state in which the remittance amount input notification 1011 is displayed on the home screen 1000.

[0083] In S903, the first terminal 101 requests the electronic payment server 103 to display a screen for inputting the remittance amount based on the operation of the PS user in response to the remittance amount input notification displayed in S902. For example, when the first terminal 101 detects an operation (e.g., a tap operation) of the first PS user in response to the remittance amount input notification 1011, it launches the electronic payment app. Then, the first terminal 101 requests the electronic payment server 103 to display a screen for inputting the remittance amount based on the transition information and identification information acquired in S901. That is, the first terminal 101 requests the electronic payment server 103 to display a screen on which the second PS user indicated by the identification information is set as the remittance destination and on which the remittance amount can be input. At this time, the first terminal 101 can transmit the identification information of the second PS user received in S901 to the electronic payment server 103.

[0084] In S904, in response to the request received in S903, the electronic payment server 103 transmits a remittance amount input screen to the first terminal 101. For example, the electronic payment server 103 transmits a remittance amount input screen 1020 shown in FIG. 10 to the first terminal 101.

[0085] The remittance amount input screen 1020 has a name 1021 of the PS user of the remittance destination, softkeys 1022 which are an input area for inputting the remittance amount, and a display unit 1023 which displays the remittance amount input using the softkeys 1022. The remittance amount input screen 1020 has a remittance button 1024 which accepts an instruction to remit the remittance amount displayed on the display unit 1023. The remittance amount input screen 1020 shows a state in which "xx" is displayed as the name of the PS user of the remittance destination, and "1,000 yen" has been input as the remittance amount.

[0086] In S905, the first terminal 101 transmits the remittance amount to the electronic payment server 103 based on the PS user's sending operation on the screen on which the remittance amount received in S904 can be input. For example, when the first terminal 101 detects that the first PS user has input the remittance amount on the remittance amount input screen 1020 and operated the remittance button 1024, the first terminal 101 transmits information indicating the input remittance amount to the electronic payment server 103. In addition, the first terminal 101 can transmit identification information for identifying the second PS user and identification information for identifying the first PS user to the electronic payment server 103 for the remittance process performed by the electronic payment server 103. After transmitting this information, the first terminal 101 displays a remittance waiting screen 1030 shown in FIG. 10 on the electronic payment app.

[0087] The remittance waiting screen 1030 has a display area 1031 in which the remittance amount is displayed. The remittance amount displayed in the display area 1031 is "1,000 yen." In other words, the remittance amount entered and confirmed by the first PS user is displayed in the display area 1031.

[0088] In S906, upon receiving the remittance amount in S905, the electronic payment server 103 notifies the second terminal 102 of a receipt request. For example, when the notification setting is enabled in the second terminal 102, the electronic payment server 103, upon receiving the remittance amount from the first terminal 101, identifies the second terminal 102 from the terminal identification information 701 linked to the user identification information of the second PS user. The electronic payment server 103 then notifies the identified second terminal 102 of a receipt request. At this time, the electronic payment server 103 includes transition information for transitioning to a remittance acceptance / rejection screen, which will be described later, in the notification of the receipt request.

[0089] 11 shows a receipt request notification screen 1100 that is displayed on the display unit of the second terminal 102. As the receipt request notification 1101, a message is displayed indicating that a receipt request has been received from the first PS user.

[0090] In S907, the second terminal 102 requests the electronic payment server 103 to display a remittance acceptance / rejection screen for the PS user to select whether or not to accept the receipt request, based on the PS user's operation in response to the receipt request notice displayed in S906. For example, the second terminal 102 displays a receipt request notice 1101 in S906. Then, upon detecting the second PS user's operation (e.g., a tap operation) in response to the receipt request notice 1101, the second terminal 102 launches the electronic payment app and requests the electronic payment server 103 to display a remittance acceptance / rejection screen 1110 shown in FIG. 11 .

[0091] In S908, the electronic payment server 103 transmits a remittance acceptance screen 1110 to the second terminal 102 in response to the request received in S907. The remittance acceptance screen 1110 shown in FIG. 11 is a receipt screen displayed on the electronic payment app for receiving electronic money equivalent to the remittance amount. The remittance acceptance screen 1110 displays a display area 1111 that displays the amount to be received, a "Decline" button 1112, and a "Receive" button 1113. The "Decline" button 1112 is an operator that accepts refusal to receive electronic money. The "Receive" button 1113 is an operator that accepts receipt of electronic money.

[0092] In S909, the second terminal 102 transmits to the electronic payment server 103 acceptance / rejection information indicating whether or not to accept the receipt request, based on the PS user's operation on the operator displayed on the remittance acceptance / rejection screen in S908. For example, the second terminal 102 displays the remittance acceptance / rejection screen 1110 received in S908 on the electronic payment app. Then, when the second terminal 102 detects the second PS user's operation on the "Receive" button 1113, it transmits to the electronic payment server 103 information indicating that the receipt request is accepted. On the other hand, when the second terminal 102 detects the second PS user's operation on the "Reject" button 1112, it transmits to the electronic payment server 103 information indicating that the receipt request is not accepted.

[0093] In S910, if the electronic payment server 103 receives information indicating that the receipt request is accepted in S909, it executes the remittance process. On the other hand, if the electronic payment server 103 receives information indicating that the receipt request is not accepted in S909, it does not execute the remittance process and does not execute any subsequent processes. When the electronic payment server 103 executes the remittance process, it stores the remittance information 601 shown in Fig. 6 in the PS user information DB 422. Thus, unlike the electronic payment process of an electronic payment service, whether or not the remittance process in this embodiment is executed is determined depending on the response or rejection of the PS user of the remittance destination in response to the receipt request.

[0094] In S911, when the remittance process is completed in S910, the electronic settlement server 103 transmits a remittance completion notice indicating that the remittance process has been completed to the second terminal 102. Then, when the second terminal 102 receives the remittance completion notice, it switches the display from the remittance acceptance / rejection screen 1110 to a remittance completion screen 1120 shown in Fig. 11. The remittance completion screen 1120 displays a check mark 1121 indicating that the remittance has been completed, and a message 1122 indicating that the receipt of the remittance amount has been completed.

[0095] In S912, when the remittance process is completed in S910, the electronic settlement server 103 transmits a remittance completion notice indicating the completion of the remittance process to the first terminal 101. Then, when the first terminal 101 receives the remittance completion notice, it switches the display from the remittance waiting screen 1030 to the remittance completion screen 1120.

[0096] [8. Example of processing executed by terminal device] Fig. 12 is a flowchart showing an example of processing executed by the first terminal 101. The flowchart shown in Fig. 12 is implemented by the CPU 301 of the first terminal 101 loading a control program stored in the ROM 302 into the RAM 303 and executing the loaded control program. This flowchart starts when the first PS user brings the first terminal 101, which has the short-range wireless communication function enabled, close to a wireless tag.

[0097] In S1201, the acquisition unit 811 acquires, from a wireless tag, transition information for transitioning to a screen on which the remittance amount can be input and identification information for identifying the second PS user. For example, the acquisition unit 811 acquires, by short-range wireless communication via the communication unit 800, the transition information for transitioning to the remittance amount input screen 1020 and the identification information.

[0098] In S1202 , when the acquisition unit 811 acquires the transition information, the display control unit 815 displays a remittance amount input notification 1011 on the display unit provided in the first terminal 101 .

[0099] In S1203 , when the transmitting unit 813 detects an operation by the first PS user in response to the remittance amount input notice 1011 at the operating unit 814 , it transmits a request for the remittance amount input screen 1020 to the electronic settlement server 103 .

[0100] In S1204, the receiving unit 812 receives the remittance amount input screen 1020 from the electronic payment server 103. Then, the display control unit 815 displays the remittance amount input screen 1020 on the electronic payment application.

[0101] In S1205, when the transmission unit 813 detects an operation to transmit the remittance amount by the first PS user via the operation unit 814, the transmission unit 813 transmits information indicating the remittance amount to the electronic payment server 103. In addition, the transmission unit 813 can transmit identification information for identifying the second PS user and identification information for identifying the first PS user to the electronic payment server 103 for the remittance process performed by the electronic payment server 103.

[0102] <Comparative Example> The above-described flow in FIG. 10 (from 1000 to 1020) explains the second remittance procedure. As a comparative example, the first remittance procedure will be explained. In the first remittance procedure, which does not conform to the present embodiment, the remittance source PS user operates the electronic payment app icon 1001 on the home screen 1000. The remittance source PS user then operates a remittance screen (not shown) displayed on the electronic payment app to search for and specify the remittance destination PS user from a list. If there are a large number of PS users registered in the list, this search can be time-consuming. Furthermore, if the remittance destination PS user is not registered, the remittance source PS user must first register the remittance destination PS user. In this case, the remittance destination PS user must launch the electronic payment app and provide their identification information to the remittance source PS user to have the remittance destination PS user registered as a user. After completing these remittance procedures, the first terminal 101 can display the screen 1020 on the electronic payment app. Unlike the comparative example, according to the second remittance procedure, the screen 1020 can be displayed without the need to specify the PS user to whom the remittance is to be sent, thereby reducing the burden on the user. As described in this embodiment, by storing information on how to transition to a screen where the remittance service is available in the wireless tag, when using the remittance service, it is possible to immediately transition to the screen 1020, thereby improving usability.

[0103] <Usage example> The wireless tag in this embodiment is not used for the purpose of using electronic payment services, but for the purpose of using person-to-person remittance services. In other words, the wireless tag in this embodiment is not placed in a predetermined location within a store and used. As an example of how the wireless tag in this embodiment is used, the wireless tag is attached to a medium familiar to the user who owns the terminal device. For example, the wireless tag is used integrated with a sticker or medium with a strap, a card, or a business card.

[0104] In this embodiment, the wireless tag may be built into a terminal device such as a smartphone. Alternatively, the terminal device such as a smartphone may be configured to function as a wireless tag. In such a case, the terminals can transmit and receive the transition information and the PS user's identification information, etc., via short-range wireless communication such as NFC. In other words, a terminal device with a built-in wireless tag or configured to function as a wireless tag can be applied to the above-described embodiment. In this case, by bringing a first terminal close to a second terminal within a distance where short-range wireless communication is possible, the first terminal can obtain the transition information and identification information, etc., stored in the second terminal. Note that such a terminal device can also be applied to the following embodiments.

[0105] [9. Effects] According to this embodiment, the wireless tag stores information such as transition information to a screen that allows access to a person-to-person remittance service provided by an electronic payment server, thereby reducing the burden on users when performing remittance operations. That is, the terminal device of the remittance source user acquires the transition information and the identification information of the remittance destination user. This allows for easy transition to a screen for inputting the remittance amount without the remittance destination user having to submit their user identification information using the electronic payment app, or the remittance source user having to specify the remittance destination user. This reduces the burden on both users when operating the app, improving usability.

[0106] <Other embodiments> The wireless tag in the above-described embodiment does not have a power source and controls communication using electromotive force generated by receiving external electromagnetic waves through an antenna coil as a power source, but is not limited to this. For example, the wireless tag in the present embodiment may have a power source and control communication using the power source as a power source.

[0107] In the above embodiment, in S908, the electronic payment server 103 sends the remittance acceptance / rejection screen 1110 to the second terminal 102 as an example. However, the electronic payment server 103 may send the remittance completion screen 1120 to the second terminal 102 instead of the remittance acceptance / rejection screen 1110.

[0108] For example, consider a case where an automatic receipt function that automatically accepts a receipt request without the second PS user having to accept or decline the receipt request can be set in the electronic payment app, as described with reference to the remittance acceptance / rejection screen 1110 in Fig. 11. If the automatic receipt function is enabled in the electronic payment app of the second terminal 102, the electronic payment server 103 sends a remittance completion screen 1120 in S908. In this case, S909 is omitted, and the electronic payment server 103 executes the remittance process in S910. In other words, the system may be configured so that receipt of the remittance amount of electronic money is automatically completed in response to the second PS user's operation on the receipt request notification 1101 shown on the receipt request notification screen 1100 in Fig. 11, without the second PS user having to accept or decline the receipt request.

[0109] In the above-described embodiment, the short-range wireless communication function is effectively performed when the terminal device is in an activated state, but this is not limiting. For example, the short-range wireless communication function may be configured to be effectively performed when an application or software for performing short-range wireless communication is activated.

[0110] In the above-described embodiment, the first terminal requests a screen on which the remittance amount can be input from the electronic payment server 103 and receives the screen. However, this is not limiting. For example, if the first terminal has stored the screen to be displayed on the electronic payment app, it does not need to request the screen from the electronic payment server 103. That is, if the first terminal determines that the screen indicated by the transition information acquired from the wireless tag matches the screen stored by the first terminal, the first terminal does not request the screen indicated by the transition information from the electronic payment server 103. For example, a case may be assumed in which the remittance source user has previously sent electronic money to the remittance destination user, and the first terminal has received and stored from the electronic payment server 103 a screen on which the remittance amount can be input, in which the remittance destination user is designated as the remittance destination. In such a case, the first terminal can set the PS user indicated by the identification information acquired from the wireless tag as the remittance destination and display the screen stored by the first terminal, without receiving the screen on which the remittance amount can be input again from the electronic payment server 103. Thereafter, the first terminal transmits to the electronic settlement server 103 information indicating the remittance amount, together with identification information for identifying the first PS user and identification information for identifying the second PS user obtained from the second terminal.

[0111] Furthermore, when the first terminal displays a screen on which the remittance amount can be input, the first terminal may request information necessary for displaying the screen from the electronic payment server 103. For example, the first terminal may request some or all of the information, such as objects and text, that constitute the screen from the electronic payment server 103.

[0112] Furthermore, the configuration of the first terminal 101 and the second terminal 102 can be flexibly changed, for example, by calling an external platform or the like using an API or network computing, depending on the function.

[0113] Furthermore, the above-described embodiments can be combined as appropriate within the scope of not causing any contradiction in the processing content. [Explanation of symbols]

[0114] 101 Terminal equipment (1) 102 Terminal Equipment (2) 103 Electronic payment server

Claims

1. an acquisition unit that acquires, via NFC (Near Field Communication), identification information for identifying a user of a remittance destination in an electronic settlement server that provides a remittance service, and transition information for transitioning to a screen for remittance to the user of the remittance destination; displaying a predetermined notification on a display unit based on the acquisition of the identification information and the transition information by the acquisition unit; a display control unit that displays the screen on the display unit in response to receiving an operation in response to the predetermined notification; An information processing device comprising:

2. a transmission unit that transmits a request for the screen to the electronic payment server in response to receiving an operation in response to the predetermined notification; The information processing device according to claim 1 , wherein the display control unit causes the display unit to display the screen received from the electronic settlement server in response to the request.

3. a transmission unit that transmits a request for information necessary for displaying the screen to the electronic payment server in response to receiving an operation in response to the predetermined notification; The information processing device according to claim 1 , wherein the display control unit causes the display unit to display the screen received from the electronic settlement server in response to the request.

4. 4. The information processing device according to claim 2, wherein the transmission unit transmits the identification information together with the request to the electronic settlement server.

5. The information processing apparatus according to claim 1 , wherein the acquisition unit acquires the identification information and the transition information from a communication control medium capable of communicating via NFC, in which the identification information and the transition information are stored.

6. The information processing device according to claim 1 , wherein the display control unit displays an input area on the screen in which a remittance amount to be remitted to the remittee user can be input.

7. 2. The information processing device according to claim 1, wherein the display control unit causes the display unit to display the predetermined display when an electronic payment application for using the remittance service is not running.

8. 2. The information processing device according to claim 1, wherein the transition information is information for starting an electronic payment application for using the remittance service and transitioning to the screen.

9. The information processing device according to claim 1, characterized in that, even when the electronic settlement server accepts the transmission of the remittance amount entered on the screen, it does not perform the remittance process to transfer electronic money from the electronic account of the remitter user to the electronic account of the recipient user, but performs the remittance process when it receives information indicating that it accepts to receive the electronic money.

10. an acquisition step of acquiring, via NFC, identification information for identifying the remittance recipient user in an electronic settlement server that provides a remittance service, and transition information for transitioning to a screen for remittance to the remittance recipient user; displaying a predetermined notification on a display unit based on the acquisition of the identification information and the transition information in the acquisition step; a display control step of displaying the screen on the display unit in response to receiving an operation in response to the predetermined notification; An information processing method comprising:

11. On the computer, an acquisition procedure for acquiring, via NFC (Near Field Communication), identification information for identifying a user of a remittance destination in an electronic settlement server that provides a remittance service, and transition information for transitioning to a screen for remittance to the user of the remittance destination; displaying a predetermined notification on a display unit based on the acquisition of the identification information and the transition information in the acquisition procedure; a display control step of displaying the screen on the display unit in response to receiving an operation in response to the predetermined notification; A program for an information processing device, characterized by causing the information processing device to execute the above.

12. An information processing system comprising: an electronic settlement server that provides a remittance service; and a first terminal device and a second terminal device that communicate with the electronic settlement server, When the first terminal device detects a transmission operation of the remittance amount on an input screen displayed on a display unit, on which the remittance amount can be input, the first terminal device transmits information indicating the remittance amount to the electronic settlement server; When the electronic settlement server receives the information indicating the remittance amount, it notifies the second terminal device of a receipt request including transition information for transitioning to a receipt screen for receiving the remittance amount. An information processing system comprising:

13. 13. The information processing system according to claim 12, wherein the second terminal device displays an operator on the receiving screen for accepting refusal to receive the remittance amount.

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