Information processing system, information processing device, and payment setting method

Abstract

This technology reduces user anxiety when setting up payment methods in an application. [Solution] The first setting unit of the transaction information management device 32 sets the same payment method as the payment method for purchasing goods or services using the application if the user has already set up a payment method for other services using the application. The second setting unit of the transaction information management device 32 sets the credit card as the payment method for purchasing goods or services using the application if the user has not set up a payment method for other services, provided that the user authentication by the credit card company based on the credit card information entered by the user is successful.

Description

Technical Field

[0001] The present disclosure relates to data processing technology, and particularly to an information processing system, an information processing apparatus, and a payment setting method.

Background Art

[0002] Applications have been provided to assist in the purchase of goods or services related to energy such as fuel oil (see, for example, Patent Document 1). Conventionally, in order to set the payment means of this application, the user of the application has had to input credit card information as a payment means into the application and receive authentication from the credit card company.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] When inputting credit card information into an application and receiving authentication from a credit card company, users may feel anxiety regarding input errors or authentication failures of the credit card information. The present disclosure has been made in view of such circumstances, and one objective is to provide a technique for reducing users' anxiety regarding input errors or authentication failures of credit card information when setting the payment means of an application.

Means for Solving the Problems

[0005] To solve the above problems, an information processing system in one aspect of the present disclosure includes: a first setting unit that sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services; and a second setting unit that sets a credit card as the payment method when a user purchases goods or services using the application, provided that authentication by a credit card company based on credit card information entered by the user is successful, when the user has not yet set up a payment method for other services.

[0006] Another aspect of this disclosure is an information processing device. This device includes a first setting unit that sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and a second setting unit that sets a credit card as the payment method for purchasing goods or services using the application, provided that authentication by a credit card company based on credit card information entered by the user is successful, when the user has not set up a payment method for other services.

[0007] Another aspect of this disclosure is a payment setting method. This method involves a computer setting the same payment method as the payment method used for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and setting a credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful, when the user has not set up a payment method for other services.

[0008] Furthermore, any combination of the above components, or any conversion of the expressions of this disclosure between computer programs, recording media containing computer programs, etc., are also valid forms of this disclosure. [Effects of the Invention]

[0009] The technology disclosed herein can reduce user anxiety when setting up payment methods when purchasing goods or services using an application. [Brief explanation of the drawing]

[0010] [Figure 1] This is a diagram showing the configuration of the transaction management system of the embodiment. [Figure 2] Figure 1 is a block diagram showing the functional blocks of the transaction information management device. [Figure 3] This is a flowchart illustrating the operation of the transaction management system. [Figure 4] This flowchart shows the details of how the transaction management system works. [Figure 5] This is a sequence diagram showing the details of the first setting process in S21 of Figure 4. [Figure 6] This is a sequence diagram showing the details of the second setting process in S23 of Figure 4. [Figure 7]This is a sequence diagram showing the details of the third setting process in S25 of Figure 4. [Figure 8] This is a sequence diagram showing the details of the fourth setting process in S26 of Figure 4. [Figure 9] This is a sequence diagram showing the query process for a one-time token. [Figure 10] This is a sequence diagram showing the process in a single transaction. [Figure 11] This is a sequence diagram showing the first closing process. [Figure 12] This is a sequence diagram showing the second closing process. [Modes for carrying out the invention]

[0011] The subject of the apparatus or method in this disclosure comprises a computer. The functions of the subject of the apparatus or method in this disclosure are realized by the computer executing a computer program. The computer comprises a processor as its main hardware component, which operates according to the computer program. The processor is of any type as long as it can realize its functions by executing the computer program. The processor consists of one or more electronic circuits, including semiconductor integrated circuits (ICs, LSIs, etc.), and includes, for example, a CPU or a GPU. The computer program is recorded on a non-temporary recording medium such as a ROM, optical disc, or hard disk drive that is readable by the computer. The computer program may be pre-stored on the recording medium or may be supplied to the recording medium via a wide-area communication network, including the Internet.

[0012] Hereinafter, the technology of the present disclosure will be described based on preferred embodiments with reference to the drawings. The embodiments are illustrative and do not limit the invention, and all features and combinations thereof described in the embodiments are not necessarily essential to the invention. The same or equivalent components, members, and processes shown in each drawing are denoted by the same reference numerals, and duplicate explanations will be omitted as appropriate. Also, the scales and shapes of each part shown in each figure are set for convenience to facilitate the explanation, and are not to be construed in a limited manner unless otherwise specified. Further, when terms such as "first" and "second" are used in this specification or claims, they do not indicate any order or importance unless otherwise specified, and are for distinguishing one configuration from another.

[0013] In the present disclosure, the expression of transmitting data or information from a first computer to a second computer means transmitting for finally delivering the data or information to the second computer. It should be noted that this expression includes the case where another computer or communication device relays the data or information in the transmission. The "user" in the present disclosure can be rephrased as a customer, user, or consumer.

[0014] The outline of the embodiment will be described. Currently, an application introduced to an information terminal (such as a smartphone, user terminal 20 described later) that supports purchasing products or services at a service station is provided. An application can also be said to be a computer program and is also abbreviated as an "app".

[0015] A service station refers to a store or facility that sells energy sources. An energy source refers to a resource used to power a power source and is provided, for example, to move a moving body such as an automobile. Energy sources include, for example, gasoline, hydrogen, and electricity. Examples of service stations include gas stations, hydrogen stations, charging stands, etc. Hereinafter, a service station will also be referred to as "SS" or "store", and the above application will also be referred to as "SS app".

[0016] In an embodiment, the SS app is provided and operated by an energy company that conducts oil wholesaling. The above energy companies (including group companies) operate, in addition to the petroleum product sales business, a car wash business, a car sharing business, an electricity business, etc. The electricity business can be said to be a retail business of electricity (a power supply business for homes, etc.) and is a business as an independent power producer that provides surplus energy to the power grid. The petroleum product sales business involves the operation of multiple SS related to the energy company, for example, fuel sales at multiple SS bearing the brand name of the energy company, or fuel wholesaling to a business operator that conducts fuel sales under that brand name.

[0017] When purchasing goods or services through the SS app, it is necessary to register the payment method of the SS app (which can also be said to be a settlement method, for example, a credit card) in advance. Until now, in order to set the payment method of the SS app without going to the SS, the user had to input credit card information as the payment method into the SS app and undergo personal authentication by the credit card company (for example, 3D Secure authentication). Therefore, there have been cases where users feel anxiety regarding input errors of credit card information and authentication failures.

[0018] Therefore, in the transaction management system according to the embodiment, if a user of the SS app has already set up a payment method for a predetermined other service, they can set the same payment method as the payment method for the SS app. According to the transaction management system according to the embodiment, users who have already set up a payment method for the above-mentioned other service do not need to enter or authenticate credit card information when registering a payment method for the SS app, and the number of users who feel uneasy about setting up a payment method for the SS app can be reduced overall.

[0019] The other services mentioned above may be services that enable the purchase of SS goods or services using a medium different from the SS app. In this embodiment, the other services are services that enable the purchase of SS goods or services (e.g., refueling) using an IC tag. An IC tag is a passive, contactless electronic device that stores electronic data and can perform predetermined information processing operations by receiving electromagnetic waves emitted from a reader / writer. The reader / writer generates an induced electromotive force in the IC tag by emitting electromagnetic waves, thereby reading the information stored in the IC tag or writing information to the IC tag. The IC tag in this embodiment is a known tool that supports payment at SS and has a housing that can be attached to a keychain or the like.

[0020] Furthermore, the other services mentioned above may be provided by a different company than the energy company that sells the SS's products or services. These other services may include, for example, payment services provided by a payment service provider or a telecommunications carrier.

[0021] Furthermore, the other services mentioned above may be services provided by a business operator (for example, a company that sells petroleum products) in a business separate from the business that sells the goods or services of a gas station (for example, a petroleum-related business) (hereinafter also referred to as "other affiliated services"). Other affiliated services may be services provided in the electricity retail business (such as household electricity supply services). Other affiliated services may also include EV (Electric Vehicle) charging services, car sharing services, or car leasing services. Note that other affiliated services include the services related to the IC tags mentioned above. In this way, when the business operator that sells goods or services and the business operator that provides other services are the same business operator, the burden of managing and authenticating customer information can be reduced, and there are benefits such as centralized information management and system standardization.

[0022] The payment methods for the above-mentioned services that can be set up in the SS app may include at least one of the following: bank transfer, credit card, debit card, or electronic money.

[0023] The details of the embodiment will now be described. Figure 1 shows the configuration of the transaction management system 1 of the embodiment. The transaction management system 1 comprises a store terminal 10, a user terminal 20, an application server 30, a transaction information management device 32, a first sales management device 34, a second sales management device 35, a payment management device 36, and an authentication device 38. These devices are connected to each other via a known communication network such as a LAN, WAN, or the Internet.

[0024] The store terminal 10 is an information terminal installed in a gas station (SS) store. The store terminal 10 may also be implemented in a gas pump at a gas station. Furthermore, the transaction management system 1 may comprise multiple store terminals 10 installed in multiple gas stations.

[0025] The user terminal 20 is an information terminal operated by a user using the SS application. The user terminal 20 may be a smartphone or a tablet device. The application server 30 forwards information transmitted from the user terminal 20 to the transaction information management device 32, and forwards information transmitted from the transaction information management device 32 to the user terminal 20. The application server 30 also issues one-time tokens, as described later.

[0026] The transaction information management device 32 is an information processing device that manages individual transactions at the service station. The first sales management device 34 and the second sales management device 35 are information processing devices that comprehensively manage transactions at the service station. The payment management device 36 is an information processing device of a credit card company and manages payments made by credit card. The authentication device 38 is an information processing device of a credit card company and performs user authentication (3D Secure authentication in this embodiment).

[0027] Figure 1 includes a block diagram showing the functional blocks of the store terminal 10 and the user terminal 20. Each block shown in the block diagram of this disclosure can be realized in hardware terms by elements and mechanical devices such as the CPU and memory of a computer, and in software terms by computer programs, etc., but here, the functional blocks that are realized through the cooperation of these are depicted. It will be understood by those skilled in the art that these functional blocks can be realized in various ways by combinations of hardware and software.

[0028] The store terminal 10 includes an output unit 12, a code reader 14, and a credit card reader 16. The output unit 12 prints a receipt. The code reader 14 reads and decodes barcodes or two-dimensional codes input via a camera (not shown), etc.

[0029] The user terminal 20 includes a display unit 22, a code reader 24, and an SS application 26. The display unit 22 may include a liquid crystal display or an organic EL display. The code reader 24 reads and decodes barcodes or two-dimensional codes input via a camera (not shown) or the like.

[0030] Figure 2 is a block diagram showing the functional blocks of the transaction information management device 32 shown in Figure 1. The transaction information management device 32 comprises a processing unit 40, a storage unit 42, and a communication unit 44. The processing unit 40 performs various information processing, including the process of linking SS applications with payment methods. The storage unit 42 stores data that is referenced or updated by the processing unit 40. The communication unit 44 communicates with external devices according to a predetermined communication protocol. The processing unit 40 sends and receives data to and from the store terminal 10, application server 30, first sales management device 34, second sales management device 35, payment management device 36, and authentication device 38 via the communication unit 44.

[0031] The storage unit 42 includes a user information storage unit 46. The user information storage unit 46 stores information about the user (hereinafter also referred to as "user information") that the user has registered. The user information includes the user ID assigned to the user in the SS app (hereinafter also referred to as "app user ID") and information for linking the payment method in the SS app. The user information storage unit 46 may be implemented in a database server in a different enclosure from the transaction information management device 32. The transaction information management device 32 may access the user information stored in the user information storage unit 46 of an external database server via a communication network.

[0032] The processing unit 40 includes a first setting unit 50, a second setting unit 60, a third setting unit 70, and a fourth setting unit 80. The functions of these multiple functional blocks may be implemented in a computer program (hereinafter also referred to as the "transaction information management program"). The transaction information management program may be installed on a recording medium or via a network to the storage of a computer constituting the transaction information management device 32. The processor of the computer may perform the functions of the above multiple functional blocks by reading the transaction information management program into main memory and executing it.

[0033] The first setting unit 50 includes an ID acquisition unit 51 and an ID storage unit 52. The second setting unit 60 includes a credit card information receiving unit 61, an authentication request unit 62, and an ID storage unit 63. The third setting unit 70 includes a credit card information receiving unit 71, an inquiry code provision unit 72, an ID acquisition unit 73, a personal information provision unit 74, a matching information acquisition unit 75, and an ID storage unit 76. The fourth setting unit 80 includes a credit card information receiving unit 81, an inquiry code provision unit 82, an ID acquisition unit 83, a personal information request unit 84, a matching information acquisition unit 85, and an ID storage unit 86.

[0034] The operation of the transaction management system 1 with the above configuration will now be explained. Figure 3 is a flowchart illustrating the operation of the transaction management system 1. The transaction information management device 32 executes a first setting process when a user who purchases SS goods or services using the SS app installed on the user terminal 20 has already set up a predetermined payment method for other services. As part of the first setting process, the first setting unit 50 of the transaction information management device 32 sets the same payment method as the payment method for the other services as the payment method for the SS app. The first setting unit 50 links the user information in the SS app with the user information in other services to set the same payment method as the payment method for other services when purchasing goods or services using the SS app.

[0035] In this embodiment, the other service is an IC tag. In this embodiment, the first setting unit 50 of the transaction information management device 32 also sets the payment method, which is pre-associated and stored with the user ID on the IC tag transmitted from the user terminal 20, as the payment method when purchasing goods or services using the SS app.

[0036] Specifically, if the user already possesses an IC tag issued by the energy provider offering the SS app, that is, if the user has already registered the payment method for the IC tag (Y in step S10), the user enters the IC tag ID (user ID on the IC tag) into the SS app 26 on the user terminal 20 (step S11). The first setting unit 50 of the transaction information management device 32 links the credit card information, which has been pre-registered in association with the IC tag ID, with the app user ID (step S12).

[0037] On the other hand, if a user who purchases SS goods or services using the SS app installed on the user terminal 20 has not set up a payment method for the other services (IC tag in this embodiment), the transaction information management device 32 performs a second setting process. As part of the second setting process, the second setting unit 60 of the transaction information management device 32 sets up the credit card as the payment method when purchasing goods or services using the SS app, provided that authentication by the credit card company based on the credit card information entered by the user is successful.

[0038] Specifically, if the user does not have an IC tag issued by the energy provider that provides the SS app, that is, if the user has not registered a payment method for the IC tag (N in step S10), the user enters their own credit card information into the SS app 26 on the user terminal 20 (step S13). The authentication device 38 performs 3D Secure authentication for the user (step S14).

[0039] If 3D Secure authentication for the user is successful (step S15, Y), the second setting unit 60 of the transaction information management device 32 links the credit card information entered by the user with the app user ID (step S16). If 3D Secure authentication for the user fails (step S15, N), the second setting unit 60 of the transaction information management device 32 cancels the payment method setting process for the SS app, that is, it cancels the linking of the credit card information entered by the user with the app user ID (S17). Note that even if the user has already set up a payment method for a predetermined other service, the system may proceed to the second setting process depending on the user's choice. For example, even if the user has already set up a payment method for an IC tag, if they choose not to set up the IC tag payment method as a payment method when purchasing goods or services using the SS app, that is, if they choose to link the credit card information to be entered to the SS app, the transaction information management device 32 may execute the second setting process.

[0040] Figure 4 is a flowchart detailing the operation of the transaction management system 1. In this embodiment, the transaction information management device 32 selectively executes the first to fourth setting processes as a payment setting process that links the application user ID of the SS application 26 installed on the user terminal 20 with the payment method.

[0041] Specifically, if the user has an IC tag issued by the energy provider offering the SS app (step S20, Y), the first setting unit 50 of the transaction information management device 32 executes the first setting process (step S21). If the user does not have an IC tag, or if the user has an IC tag but does not select the first setting process (step S20, N), and wishes to link the app user ID and payment method online (step S22, Y), the second setting unit 60 of the transaction information management device 32 executes the second setting process (step S23). Both the first and second setting processes can be performed without the user having to go to a SS.

[0042] If the user does not wish to link their online app user ID with their payment method (N in step S22), and the user possesses a specific card (Y in step S24), the third setting unit 70 of the transaction information management device 32 executes the third setting process (step S25). If the user does not possess a specific card (N in step S24), the fourth setting unit 80 of the transaction information management device 32 executes the fourth setting process (step S26). The third and fourth setting processes require the user to go to a service store (SS) to complete the procedure.

[0043] A "specific card" is a predetermined type of payment card, and in this embodiment, it is a credit card of a specific brand. Specifically, a "specific card" is a credit card handled by an energy company (including its group companies) that provides the SS app, and is a credit card bearing the brand of that energy company. A user possessing a "specific card" may mean linking the "specific card" as a payment method to the SS app. Conversely, a user not possessing a "specific card" may mean linking a payment method other than a "specific card" to the SS app.

[0044] Figure 5 is a sequence diagram showing the details of the first setup process in S21 of Figure 4. In the situation in which the first setup process is executed, the energy business operator has already issued a physical IC tag to the user. Along with the issuance of the IC tag, user information is registered in the user information storage unit 46 of the transaction information management device 32. The user information pre-registered in the user information storage unit 46 upon issuance of the IC tag includes (1) the user ID of the IC tag (hereinafter also referred to as "tag user ID"), (2) the user's personal information (e.g., name, gender, address, telephone number, etc.), and (3) the user's credit card number linked to the IC tag. In the first setup process, the application user ID of the user is linked to the existing user information including (1) to (3) above.

[0045] First, the SS app 26 on the user terminal 20 displays a tag user ID input screen on the display unit 22 when a user who has already registered an IC tag selects to link a credit card and also selects to link with an IC tag. The user enters the tag user ID on the input screen. The SS app 26 on the user terminal 20 accepts the tag user ID entered by the user (step S30). The SS app 26 on the user terminal 20 sends the accepted tag user ID and the app user ID set in the SS app 26 to the app server 30 (step S31). The app user ID may be stored in the user terminal in advance, or it may be automatically retrieved by querying the app server when the app is launched.

[0046] The application server 30 forwards the tag user ID and application user ID pair transmitted from the user terminal 20 to the transaction information management device 32. The first setting unit 50 (ID acquisition unit 51) of the transaction information management device 32 receives the tag user ID and application user ID pair transmitted from the user terminal 20. The first setting unit 50 (ID storage unit 52) ​​of the transaction information management device 32 associates the received application user ID with the user information (including payment method information such as credit card information) stored in the user information storage unit 46, which includes the received tag user ID, and stores the received application user ID in the user information storage unit 46 (step S32). As a result, the first setting unit 50 (ID storage unit 52) ​​of the transaction information management device 32 sets the same payment method as the issued IC tag as the payment method when purchasing goods or services using the SS application.

[0047] A modified version of the first setup process will now be described. The SS application 26 on the user terminal 20 may display an input screen on the display unit 22 that includes input areas for the tag user ID, credit card number (all or part of the digits), name, and date of birth, as an input screen for the tag user ID. This credit card number is the credit card number already linked to the IC tag and is the credit card number that the user links to the SS application. In S31, the SS application 26 on the user terminal 20 may transmit the tag user ID entered by the user, the credit card number (all or part of the digits), name, date of birth, and the application user ID set in the SS application 26 to the transaction information management device 32 via the application server 30.

[0048] In S32, the first setting unit 50 (ID storage unit 52) ​​of the transaction information management device 32 may read user information (hereinafter also referred to as "registered user information") corresponding to the received tag user ID, which is pre-stored in the user information storage unit 46. The first setting unit 50 (ID storage unit 52) ​​may determine whether the received set of credit card number (all or part of the digits), tag user ID, name, and date of birth matches the set of credit card number (all or part of the digits), tag user ID, name, and date of birth indicated in the registered user information. The first setting unit 50 (ID storage unit 52) ​​may, on the condition that the two sets match, associate the received application user ID with the registered user information stored in the user information storage unit 46 and store it in the user information storage unit 46.

[0049] Figure 6 is a sequence diagram showing the details of the second setting process in S23 of Figure 4. In the situation where the second setting process is executed, the user information of the user attempting to set up payment is not registered with the energy business operator. Therefore, the user information storage unit 46 of the transaction information management device 32 does not have the user information of the user attempting to set up payment stored in advance. In the second setting process, both the user's credit card information and the app user ID are newly received and linked.

[0050] The SS app 26 on the user terminal 20 displays a credit card information input screen on the display unit 22 if a user who has not registered an IC tag, or a user who has registered an IC tag but has not chosen to link it to the IC tag, selects to link a credit card. In other words, the SS app 26 displays a screen (which can also be called a user interface) on the display unit 22 with different input fields depending on whether the user has already set up a payment method for other services and links that payment method to the app user ID (first setting process), or whether the user has not set up a payment method for other services, or has set up a payment method for other services but does not link it to the app user ID (second setting process).

[0051] The user enters their credit card information (including at least the credit card number) on the input screen. The SS application 26 on the user terminal 20 receives the credit card information entered by the user (step S40). The SS application 26 on the user terminal 20 sends the received credit card information and the application user ID set in the SS application 26 to the application server 30 (step S41).

[0052] The application server 30 transfers the credit card information and application user ID pair transmitted from the user terminal 20 to the transaction information management device 32. The second setting unit 60 (credit card information receiving unit 61) of the transaction information management device 32 receives the credit card information and application user ID pair transmitted from the user terminal 20. The second setting unit 60 (authentication request unit 62) of the transaction information management device 32 sends an authentication request including the credit card information transmitted from the user terminal 20 to the authentication device 38 (step S42).

[0053] The authentication device 38 performs 3D Secure authentication as authentication of the user's identity (step S43). In this embodiment, the authentication device 38 sends an authentication request to the user terminal 20. The user terminal 20 displays an authentication screen, including a password input area, on the display unit 22 (step S44). In response to the authentication request, the user terminal 20 sends the password entered on the authentication screen to the authentication device 38 (step S45).

[0054] The authentication device 38 determines whether the authentication password (an authentication password that the user has registered with the credit card company in advance) that is pre-associated with the credit card information transmitted from the transaction information management device 32 matches the password transmitted from the user terminal 20 (step S46). If the two match, the authentication device 38 sends an authentication completion signal to the transaction information management device 32 indicating that authentication was successful (step S47).

[0055] The second setting unit 60 (ID storage unit 63) of the transaction information management device 32 receives an authentication completion signal transmitted from the authentication device 38. When the second setting unit 60 (ID storage unit 63) receives the authentication completion signal, in other words, when the authentication of the user who requested registration of credit card information is successful, it stores the app user ID transmitted from the user terminal 20 in the user information storage unit 46 in association with the credit card information transmitted from the user terminal 20 (step S48). This sets the credit card that the user entered the number into the SS app as the payment method when purchasing goods or services using the SS app.

[0056] A modified version of the second setting process will now be described. When the transaction information management device 32 stores the application user ID and credit card information in association with each other in the user information storage unit 46, it may issue a mobile tag (a virtual IC tag set in the SS application) and store the user ID of the mobile tag in association with both the application user ID and the credit card information.

[0057] Figure 7 is a sequence diagram showing the details of the third setting process in S25 of Figure 4. In the situation where the third setting process is executed, the energy business operator has already issued a specific card to the user. Therefore, the user information is registered in the user information storage unit 46 of the transaction information management device 32 when the specific card is issued. Here, the user information registered when the specific card is issued includes (1) the credit card number set on the specific card, and (2) the user's personal information (e.g., name, gender, address, telephone number, etc.).

[0058] The user or a store employee at the SS (service station) places the user's specific card (hereinafter also referred to as the "linked card") to be linked to the SS app into the credit card reader 16 of the store terminal 10. The credit card reader 16 of the store terminal 10 reads the credit card number from the user's specific card (linked card) (step S50). The store terminal 10 transmits the credit card number of the linked card to the transaction information management device 32 (step S51).

[0059] The third setting unit 70 (credit card information receiving unit 71) of the transaction information management device 32 receives the credit card number of the linked card transmitted from the store terminal 10. The third setting unit 70 (inquiry code providing unit 72) generates an inquiry code (a barcode in this embodiment) corresponding to the credit card number of the linked card based on that credit card number (step S52). The "inquiry code" in this disclosure includes the value obtained by decoding the inquiry code. The third setting unit 70 (inquiry code providing unit 72) identifies the user information corresponding to the credit card number of the linked card from the user information stored in the user information storage unit 46 and stores the generated inquiry code in that user information. The third setting unit 70 (inquiry code providing unit 72) also transmits the generated inquiry code to the store terminal 10 (step S53).

[0060] The output unit 12 of the store terminal 10 prints a receipt with the inquiry code transmitted from the transaction information management device 32 (step S54). The code reader 24 of the user terminal 20 reads the inquiry code printed on the receipt (step S55). The SS application 26 of the user terminal 20 sends the combination of the read inquiry code and the application user ID set in the SS application 26 to the application server 30 (step S56).

[0061] The application server 30 forwards the inquiry code and application user ID pair transmitted from the user terminal 20 to the transaction information management device 32. The third setting unit 70 (ID acquisition unit 73) of the transaction information management device 32 receives the inquiry code and application user ID pair transmitted from the user terminal 20. The third setting unit 70 (personal information provision unit 74) of the transaction information management device 32 reads the user's personal information associated with the inquiry code transmitted from the user terminal 20 from the user information in the user information storage unit 46, and transmits the read user's personal information to the application server 30 (step S57).

[0062] The application server 30 transfers the user's personal information transmitted from the transaction information management device 32 to the user terminal 20. The SS application 26 on the user terminal 20 displays an input form on the display unit 22 that includes input fields for personal information and input fields for verification information. The SS application 26 automatically sets the user's personal information transmitted from the transaction information management device 32 in the personal information input fields of the input form (step S58). In other words, the SS application 26 on the user terminal 20 displays an input form that has the user's personal information automatically entered and also includes input fields for verification information.

[0063] The user confirms that the personal information entered in the input form is correct and sets the verification information in the input form. In this embodiment, the verification information is the credit card number (all or part of the digits) of the linked card. The SS application 26 on the user terminal 20 sends the verification information entered by the user to the application server 30 (step S59). The application server 30 forwards the verification information sent from the user terminal 20 to the transaction information management device 32.

[0064] The third setting unit 70 (matching information acquisition unit 75) of the transaction information management device 32 receives matching information transmitted from the user terminal 20 (step S60). The third setting unit 70 (ID storage unit 76) determines whether the credit card number (all or part of the digits) of the linked card matches the matching information received in S60. If they match, the third setting unit 70 (ID storage unit 76) issues a mobile tag to the user. The third setting unit 70 (ID storage unit 76) associates the user information (personal information and credit card number) stored in the user information storage unit 46 with the application user ID received along with the inquiry code and the user ID of the mobile tag issued to the user in the user information storage unit 46 (step S61).

[0065] Figure 8 is a sequence diagram showing the details of the fourth setting process in S26 of Figure 4. In the situation where the fourth setting process is executed, the user information of the user attempting to set up payment is not registered with the energy business operator. Therefore, the user information storage unit 46 of the transaction information management device 32 does not have the user information of the user attempting to set up payment stored in advance. In the fourth setting process, both the user's credit card information and the app user ID are newly received and linked.

[0066] The user or a store employee at the SS places the user's specific card (hereinafter also referred to as the "linked card") to be linked to the SS app into the credit card reader 16 of the store terminal 10. The credit card reader 16 of the store terminal 10 reads the credit card number from the user's specific card (linked card) (step S70). The store terminal 10 transmits the credit card number of the linked card to the transaction information management device 32 (step S71).

[0067] The fourth setting unit 80 (credit card information receiving unit 81) of the transaction information management device 32 receives the credit card number of the linked card transmitted from the store terminal 10. The fourth setting unit 80 (credit card information receiving unit 81) records the new user information, including the received credit card number, in the user information storage unit 46 (step S72).

[0068] The fourth setting unit 80 (inquiry code provision unit 82) generates an inquiry code (a barcode in this embodiment) corresponding to the credit card number of the linked card based on the credit card number of the linked card (step S73). The fourth setting unit 80 (inquiry code provision unit 82) saves the generated inquiry code to the user information corresponding to the credit card number of the linked card (new user information in S72) from the user information stored in the user information storage unit 46. The fourth setting unit 80 (inquiry code provision unit 82) also transmits the generated inquiry code to the store terminal 10 (step S74).

[0069] The output unit 12 of the store terminal 10 prints a receipt with the inquiry code transmitted from the transaction information management device 32 (step S75). The code reader 24 of the user terminal 20 reads the inquiry code printed on the receipt (step S76). The SS application 26 of the user terminal 20 sends the combination of the read inquiry code and the application user ID set in the SS application 26 to the application server 30 (step S77).

[0070] The application server 30 forwards the pair of inquiry code and application user ID sent from the user terminal 20 to the transaction information management device 32. The fourth setting unit 80 (ID acquisition unit 83) of the transaction information management device 32 receives the pair of inquiry code and application user ID sent from the user terminal 20. The fourth setting unit 80 (personal information request unit 84) of the transaction information management device 32 sends an inquiry code receipt signal to the application server 30 indicating that the inquiry code has been received (step S78). The inquiry code receipt signal can also be considered information requesting the input of personal information.

[0071] The application server 30 forwards the inquiry code reception signal sent from the transaction information management device 32 to the user terminal 20. Upon receiving the inquiry code reception signal, the SS application 26 on the user terminal 20 displays an input form on the display unit 22, which includes input fields for personal information and input fields for verification information (step S79).

[0072] The user enters their personal information and verification information in the input form. As previously described, the verification information is the credit card number (all or part of it) of the linked card. The SS application 26 on the user terminal 20 sends the personal information and verification information entered by the user to the application server 30 (step S80). The application server 30 transfers the personal information and verification information sent from the user terminal 20 to the transaction information management device 32.

[0073] The fourth setting unit 80 (matching information acquisition unit 85) of the transaction information management device 32 receives personal information and matching information transmitted from the user terminal 20 (step S81). The third setting unit 70 (ID storage unit 86) determines in S72 whether the credit card number (all or part of the digits) of the linked card stored in the user information storage unit 46 matches the matching information received in step S81. If they match, the fourth setting unit 80 (ID storage unit 86) issues a mobile tag to the user. The fourth setting unit 80 (ID storage unit 76) associates the user information (credit card number) stored in the user information storage unit 46 in S72 with the app user ID received along with the inquiry code, the personal information received along with the matching code, and the user ID of the mobile tag issued to the user in the user information storage unit 46 (step S82).

[0074] According to the transaction management system 1 of the embodiment, as shown in the first setting process, users who have already set up a payment method for a predetermined other service different from the SS app (IC tag in this embodiment) can choose not to enter or authenticate credit card information when registering a payment method for the SS app. This reduces the overall number of users who feel uneasy about setting up a payment method for the SS app.

[0075] As described above, the operation of the transaction management system 1 results in the user information storage unit 46 of the transaction information management device 32 storing user information for each user of the SS app, which includes the SS app user ID (app user ID) and the payment method (e.g., credit card) used when purchasing goods or services using the SS app. The operation related to purchasing goods (including services) after linking the app user ID and payment method will be explained below with reference to Figures 9 to 12.

[0076] Figure 9 is a sequence diagram showing the one-time token verification process. A one-time token is electronic data used to verify (in other words, authenticate) whether the user purchasing the product is the person they claim to be. A one-time token is generated, for example, for each product purchase and used for verification only once.

[0077] The SS application 26 on the user terminal 20 requests a one-time token query by sending user identification information (application user ID in this embodiment) to the application server 30 (step S101). For example, the SS application 26 requests a one-time token query when the application is launched or due to user operation.

[0078] The application server 30 (for example, the token generation unit) generates a one-time token in response to a request for a one-time token inquiry (step S102). A one-time token is generated for each one-time token inquiry. The application server 30 sends a notification containing the generated one-time token and user identification information (application user ID in this embodiment) to the transaction information management device 32 (step S103). The transaction information management device 32 receives the notification.

[0079] The transaction information management device 32 stores the one-time token indicated by the notification in the user information storage unit 46, associating it with the user information identified by the application user ID indicated by the notification (step S104). This allows the transaction information management device 32 to derive the application user ID based on the one-time token.

[0080] The application server 30 sends a response containing the generated one-time token to the user terminal 20 (step S105). The SS application 26 on the user terminal 20 receives this response and obtains the one-time token.

[0081] Figure 10 is a sequence diagram showing the process in a single transaction (in other words, a single purchase procedure). The user launches the SS application 26 on the user terminal 20 (step S201). The process in step S101 in Figure 9 may be executed triggered by step S201.

[0082] The SS app 26 on the user terminal 20 generates a two-dimensional code containing purchase information (step S202). The purchase information indicated by the two-dimensional code includes, for example, a one-time token and product information described later. The SS app 26 on the user terminal 20 displays the two-dimensional code on the display unit 22 (step S203). For example, the SS app 26 may display the code automatically when it is generated, or it may display the code when the user inputs a predetermined operation to the SS app 26.

[0083] The SS app 26 on the user terminal 20 may accept and store default values ​​for the product information to be purchased. Here, the product information includes the type of fuel and the amount to be purchased. The type of fuel may include premium gasoline, regular gasoline, diesel fuel, etc. The amount to be purchased may be specified by quantity (e.g., 3 liters to 10 liters) or by price (e.g., 300 yen to 14,999 yen). For example, the product information may be set to "premium gasoline, 30 liters". For example, the user may set the type of fuel and the amount to be purchased as default values. If default values ​​for product information have already been set, the SS app 26 may generate and display a two-dimensional code containing the default values ​​for product information. This setting eliminates the need to set product information each time a product is purchased, improving user convenience.

[0084] The user holds the display unit 22 of the user terminal 20, which displays a two-dimensional code, over the code reader 14 of the store terminal 10. The code reader 14 of the store terminal 10 reads the two-dimensional code displayed on the display unit 22 of the user terminal 20 (step S204). The store terminal 10 obtains the purchase information indicated by the two-dimensional code via the code reader 14 (step S205). The store terminal 10 stores the obtained purchase information.

[0085] The store terminal 10 sends a credit check to the transaction information management device 32 (step S206). The credit check is a data signal to check the credit status of a credit card. The credit check includes, for example, the current date and time, a store ID which is an identifier that uniquely identifies the store where the store terminal 10 is located, a one-time token, and a provisional purchase amount. The provisional purchase amount is a purchase amount that is set provisionally in order to perform a credit check on the credit card, and is not the purchase price of the goods. An extremely low amount is set as the provisional purchase amount. For example, the smallest possible value in a transaction (for example, 1 yen in Japanese yen) may be set as the provisional purchase amount. The transaction information management device 32 receives the credit check.

[0086] The transaction information management device 32 refers to the user information storage unit 46 to obtain the application user ID corresponding to the one-time token indicated in the credit check inquiry, and further obtains the credit card information corresponding to the application user ID (step S207). Since the application user ID can be derived from the one-time token, the transaction information management device 32 can determine that the user who generated the one-time token had the store terminal 10 read the two-dimensional code. In other words, the transaction information management device 32 can verify whether the user purchasing the goods is the person in question. The transaction information management device 32 obtains two types of credit card numbers corresponding to the application user ID as credit card information, namely the official card number and the tokenized card number.

[0087] Here, a tokenized card number is a card number obtained by replacing at least a portion of the official card number with another string through tokenization. Tokenization is the process of replacing an original string with another string without any mathematical relationship to the original string. Tokenization can be achieved, for example, by generating the other string using random numbers. The original string (the string before replacement) and the other string (the string after replacement) are associated one-to-one. Since there is no mathematical relationship between these two strings, it is not possible to identify the original string from the other string through mathematical processing. To obtain the original string, it is necessary to know the one-to-one correspondence. Tokenization differs from encryption in that there is no mathematical relationship between the data before and after the replacement.

[0088] The user information stored in the user information storage unit 46 of the transaction information management device 32 includes, as the user's credit card information, the official credit card number corresponding to the above-mentioned credit card number and a tokenized credit card number (hereinafter also referred to as the "tokenized card number"). The transaction information management device 32 may generate a tokenized card number from the user's official credit card number recorded in the user information of the user information storage unit 46 and record the tokenized card number in the user information.

[0089] The transaction information management device 32 sends a credit check request to the payment management device 36 (step S208). The credit check request is a data signal that causes the payment management device 36 to perform a credit check on the credit card corresponding to the app user ID. The credit check request includes the current date and time, the official card number obtained from the user information storage unit 46, and the provisional purchase amount indicated in the credit check. The payment management device 36 receives the credit check request.

[0090] The payment management device 36 performs a credit check on the credit card corresponding to the official card number indicated in the credit check request and transmits the result as a credit result to the transaction information management device 32 (step S209). The payment management device 36 determines whether the credit card can be used for the transaction at the store by referring to data indicating the status of the credit card, the credit limit, etc. Since the hypothetical purchase amount is an extremely low amount (for example, the minimum value that can occur in a transaction), unless there are special circumstances such as the credit card being suspended or the credit limit being exceeded, the payment management device 36 approves the use of the credit card. The transaction information management device 32 receives the credit result from the payment management device 36.

[0091] The transaction information management device 32 sends a response to the store terminal 10 (step S210). The response is a data signal indicating the answer to the credit check inquiry. The response includes the credit check result and the tokenized card number. The store terminal 10 receives the response. This response does not include the official card number. That is, the transaction information management device 32 sends the tokenized card number to the store terminal 10 without sending the official card number to the store terminal 10. Since the store terminal 10 does not obtain the official card number, the store clerk does not recognize the official card number of the user's credit card during the transaction.

[0092] The store terminal 10 performs settings related to the purchase of a product (step S211). The store terminal 10 performs these settings based on the product information obtained from the user terminal 20. The specific method for setting up the purchase of a product is not limited. For example, if the product is fuel oil such as gasoline or diesel, the product information may show pre-set default values ​​for refueling (e.g., fuel type and refueling amount). The store terminal 10 displays the product information (default values) on the monitor and asks the user whether or not to purchase the product according to that information. The user can operate the store terminal 10 to determine the details of the product to be purchased. For example, the user can operate a refueling machine, which is an example of a store terminal 10, to select refueling based on default values, or to request refueling after changing the fuel type or refueling amount from the default values. As described above, the type of product is not limited in any way, and correspondingly, the content of the product information is not limited in any way.

[0093] The store terminal 10 executes a purchase process (settlement process) to confirm the transaction (step S212). The store terminal 10 executes a credit card payment only if the credit check result indicates that the credit card can be used. If a floor limit is set for purchases using a credit card, the store terminal 10 will only accept transactions within the predetermined upper limit. The floor limit refers to a certain standard amount that requires a credit check. If the purchase amount exceeds the floor limit, approval from the card company is required. If the purchase amount is less than or equal to the floor limit, a credit check is not performed. For example, if the floor limit is 15,000 yen, the store terminal 10 will only accept credit card purchases and payments if the purchase amount is 15,000 yen or less. At this point, a credit check using an extremely low amount (for example, the smallest possible value in a transaction) has been completed, so settlement subject to the floor limit is possible. For example, if the store terminal 10 is a gas pump at a gas station, the gas pump controls the amount of fuel dispensed so that the purchase amount does not exceed the floor limit.

[0094] Once the purchase process is complete, the store terminal 10 issues a receipt and generates a transaction information record representing the transaction, and stores that record in a predetermined storage unit. Each transaction information record includes, for example, the transaction date and time, store ID, tokenized card number, and information about the purchased items. The item information includes, for example, the name, unit price, quantity, and purchase amount (= unit price × quantity) for each of one or more items.

[0095] In the processing flow shown in Figure 10, the store terminal 10 receives a response containing the tokenized card number and executes payment for the goods based on that response. In other words, the store terminal 10 executes payment for the goods without obtaining the official card number.

[0096] Each store terminal 10 executes the processing flow shown in Figure 10 for each individual transaction (settlement), thereby accumulating transaction information at each store terminal 10. The accumulated transaction information is transmitted to the first sales management device 34 or the second sales management device 35 through a closing process. The closing process is performed for each SS using either the first or second closing process.

[0097] Figure 11 is a sequence diagram showing the first closing process. The first closing process is generally a daily process, but the timing of its execution is not limited to this and may be performed at any time.

[0098] The store terminal 10 transmits transaction information, which includes one or more tokenized card numbers, to the first sales management device 34 (step S301), representing one or more transactions (more specifically, one or more transactions that occurred after the previous closing process). The first sales management device 34 receives the transaction information.

[0099] The first sales management device 34 transmits a detoken request to the transaction information management device 32 (step S302). The detoken request is a data signal for obtaining the official card number of a credit card and includes one or more tokenized card numbers indicated in the transaction information. The transaction information management device 32 receives the detoken request.

[0100] The transaction information management device 32 refers to the user information storage unit 46 and obtains one or more official card numbers corresponding to one or more tokenized card numbers indicated in the detoken request (step S303). Since there is a one-to-one correspondence between official card numbers and tokenized card numbers, the transaction information management device 32 can obtain an official card number for each of the one or more tokenized card numbers. The transaction information management device 32 transmits a detoken response to the first sales management device 34 (step S304). The detoken response is a data signal indicating a response to the detoken request and includes one or more pairs of official card numbers and tokenized card numbers. The first sales management device 34 receives the detoken response.

[0101] The first sales management device 34 generates settlement information corresponding to the transaction information by replacing each of the one or more tokenized card numbers indicated in the transaction information with a formal card number (step S305). This replacement is called detoxification. The first sales management device 34 transmits the settlement information corresponding to the transaction information to the settlement management device 36. The settlement management device 36 receives the settlement information and executes the settlement based on that settlement information. The transmission of settlement information by the first sales management device 34 (step S305) may or may not correspond to the transmission of transaction information by the store terminal 10 (step S301). For example, both the transmission of transaction information and the transmission of settlement information may be daily processes. Alternatively, the transmission of transaction information may be a daily process, and the transmission of settlement information may be a monthly or bi-weekly process.

[0102] Figure 12 is a sequence diagram showing the second closing process. The second closing process is generally a daily process, but the timing of its execution is not limited to this and may be executed at any time.

[0103] The store terminal 10 transmits transaction information, which includes one or more tokenized card numbers, to the second sales management device 35 (step S401), representing one or more transactions (more specifically, one or more transactions that occurred after the previous closing process). The second sales management device 35 receives the transaction information.

[0104] The second sales management device 35 transmits the received transaction information as settlement information to the transaction information management device 32 (step S402). Unlike the first sales management device 34, the second sales management device 35 does not perform detokenization. The transaction information management device 32 receives the settlement information. The transmission of settlement information by the second sales management device 35 (step S402) may or may not correspond to the transmission of transaction information by the store terminal 10 (step S401). For example, both the transmission of transaction information and the transmission of settlement information may be daily processes. Alternatively, the transmission of transaction information may be a daily process, while the transmission of settlement information may be a monthly or bi-weekly process.

[0105] The transaction information management device 32 replaces the tokenized card numbers in the settlement information with the official card numbers (step S403). The transaction information management device 32 refers to the user information storage unit 46 and obtains one or more official card numbers corresponding to one or more tokenized card numbers indicated in the settlement information. The transaction information management device 32 replaces each of the one or more tokenized card numbers indicated in the settlement information with the official card numbers. In other words, the transaction information management device 32 performs detoxification.

[0106] The transaction information management device 32 transmits the processed settlement information (settlement information including the official card number) to the settlement management device 36 (step S404). The settlement management device 36 receives the settlement information and executes the settlement based on that settlement information.

[0107] In the user terminal 20 of this embodiment, the SS application (at least one processor) may display a settings screen for pre-setting purchase information and generate a two-dimensional code containing the purchase information set on the settings screen. In this case, since purchase information can be set outside of the SS, a flexible mechanism for purchasing products at the SS can be provided.

[0108] In the store terminal 10 of this embodiment, the SS application (at least one processor) may acquire a one-time token used for customer verification at the SS and generate a two-dimensional code containing the one-time token. In this case, the security of the product transaction is improved because the customer purchasing the product is verified to confirm that they are the person they claim to be.

[0109] In the store terminal 10 of this embodiment, the purchase information may include product information indicating the product. The SS application (at least one processor) may perform purchase-related processing based on the product information. In this case, specifying product information in the SS becomes simpler or unnecessary, thus improving the convenience of product transactions.

[0110] The present disclosure has been described above based on embodiments. These embodiments are illustrative, and it will be understood by those skilled in the art that various modifications are possible for each component or combination of each processing process, and that such modifications are also within the scope of the present disclosure. For example, although a payment method for purchasing goods or services at a service station using a predetermined application installed on an information terminal has been described, it can also be applied to payment methods for purchasing goods or services at places other than service stations.

[0111] Any combination of the embodiments and modifications described above is also useful as an embodiment of the present disclosure. The new embodiments resulting from such combinations will possess the combined effects of the respective embodiments and modifications. Furthermore, it will be understood by those skilled in the art that the functions to be performed by each component described in the claims can be achieved by each component shown in the embodiments and modifications individually or in combination thereof.

[0112] The technologies described in the embodiments and modified examples above can be expressed as follows: [Technology 1] A first setting unit sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and when the user purchases goods or services using the said application, If the user has not set up a payment method for the other services, a second setting unit sets up the credit card as a payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. An information processing system equipped with the following features. According to this information processing system, users who have already set up payment methods for other designated services will not need to enter or authenticate their credit card information, thus reducing the overall number of users who feel uneasy about setting up payment methods for applications. [Technology 2] Even if the user has already set up a payment method for the other services, if the user does not set up a payment method for the other services when purchasing goods or services using the application, the second setting unit sets up the credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. The information processing system described in Technology 1. According to this information processing system, even users who have already set up payment methods for other services can choose to set up a different payment method for this application instead of setting up the payment method for those other services, thus enabling flexible settings to meet the user's needs. [Technology 3] The aforementioned other service is a service that enables the purchase of the aforementioned goods or services using a medium different from the aforementioned application. An information processing system as described in Technology 1 or 2. According to this information processing system, users who have already set up a payment method when purchasing goods or services using a medium other than the application can avoid having to enter or authenticate their credit card information. [Technology 4] The aforementioned different medium is an IC tag. The first setting unit sets a payment method that has been pre-associated and stored with the user's ID on the IC tag transmitted from the information terminal as the payment method when purchasing goods or services using the application. The information processing system described in Technology 3. According to this information processing system, users who possess an IC tag for purchasing goods and services at SS (service stations) will not need to enter or authenticate their credit card information. [Technology 5] The aforementioned other services are services provided by a business operator different from the business operator that sells the aforementioned goods or services, or services provided by the business operator that sells the aforementioned goods or services in a business separate from the business that sells the aforementioned goods or services. An information processing system described in any of the technologies 1 to 4. This information processing system will improve overall user convenience for applications by increasing the number of users who do not need to enter or authenticate their credit card information. [Technology 6] The first setting unit stores the payment method for the other service in the storage unit in association with the user ID in the application, thereby setting the same payment method as the payment method for the other service when purchasing goods or services using the application. The second setting unit stores the credit card information entered by the user in the storage unit in association with the user's ID in the application, thereby setting the credit card as a payment method when purchasing goods or services using the application. An information processing system described in any of the technologies 1 through 5. According to this information processing system, the user ID in the application can be associated with the appropriate payment method depending on whether or not a payment method for a specified other service has been set up. [Technology 7] The first setting unit links the user information in the application with the user information in the other service, and sets the same payment method as the payment method for the other service as the payment method when purchasing goods or services using the application. An information processing system described in any of the technologies 1 to 6. According to this information processing system, payment methods for other services can be set as payment methods for applications. [Technology 8] The application displays different screens with different input fields depending on whether or not payment methods for the other services have been set up. An information processing system described in any of the technologies 1 through 7. This information processing system allows users to input necessary information depending on whether or not they have already set up payment methods for other services. [Technology 9] A first setting unit sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and when the user purchases goods or services using the said application, If the user has not set up a payment method for the other services, a second setting unit sets up the credit card as a payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. An information processing device equipped with the following features. According to this information processing device, users who have already set up payment methods for other services will no longer need to enter or authenticate their credit card information, thus reducing the overall number of users who feel uneasy about setting up payment methods for applications. [Technology 10] Even if the user has already set up a payment method for the other services, if the user does not set up a payment method for the other services when purchasing goods or services using the application, the second setting unit sets up the credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. The information processing device described in Technical 9. According to this information processing device, even users who have already set up payment methods for other services can choose to set up a different payment method for the application instead of setting up the payment method for those other services, thus enabling flexible settings to meet the user's needs. [Technology 11] When a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other predetermined services, the application will set the same payment method as the payment method for the other services when purchasing goods or services using the application. If the user has not set up a payment method for the other services, the application will set up the credit card as a payment method when purchasing goods or services, provided that authentication by the credit card company based on the credit card information entered by the user is successful. A payment setup method that a computer performs. This payment setup method eliminates the need for users who have already set up payment methods for other designated services to enter or authenticate their credit card information, thereby reducing the overall number of users who feel uneasy about setting up payment methods for applications. [Technology 12] Even if the user has already set up a payment method for the aforementioned other services, if the user does not set up a payment method for the aforementioned other services when purchasing goods or services using the application, the application will set up the aforementioned credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. Payment setup method as described in Technical 11. This payment setup method allows users who have already set up payment methods for other services to choose to set up a different payment method for the application instead of using those other payment methods, thus enabling flexible settings tailored to user needs.

[0113] The third setting process described in the above embodiment can be expressed as follows: A storage unit that stores the user's pre-registered personal information and payment method information, An inquiry code providing unit that, upon receiving payment method information of a user entered into the store terminal, displays an inquiry code corresponding to that user on the store terminal, A personal information provision unit, which, when it receives an inquiry code displayed on the store terminal and read by the user terminal, and a user ID in an application installed on the user terminal, displays the user's personal information corresponding to the received inquiry code on the user terminal, When the user terminal receives matching information which is part of the user's payment method information, and the received matching information matches the user's payment method information stored in the storage unit, the ID storage unit stores the user ID in the application installed on the user terminal in association with the user's payment method information in the storage unit. An information processing system equipped with the following features.

[0114] The fourth setting process described in the above embodiment can be expressed as follows: A payment method information storage unit, which stores the user's payment information in a storage unit when it receives the user's payment method information entered into the store terminal, An inquiry code providing unit that displays an inquiry code corresponding to the user who entered the aforementioned payment method information on the store terminal, A personal information request unit that, upon receiving an inquiry code displayed on the store terminal and read by the user terminal, and a user ID in an application installed on the user terminal, provides the user terminal with information requesting the input of personal information. When the user terminal receives the user's personal information and matching information which is part of the user's payment method information, and the received matching information matches the user's payment method information stored in the storage unit, the ID storage unit stores the user ID in the application installed on the user terminal and the user's personal information in the storage unit in association with the user's payment method information. An information processing system equipped with the following features. [Explanation of symbols]

[0115] 1 Transaction management system, 10 Store terminals, 20 User terminals, 26 SS app, 32 Transaction information management device, 38 Authentication device, 46 User information storage unit, 50 First setting unit, 60 Second setting unit, 70 Third setting unit, 80 Fourth setting unit.

Claims

1. A first setting unit sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and when the user purchases goods or services using the said application, If the user has not set up a payment method for the other services, a second setting unit sets up the credit card as a payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. An information processing system equipped with the following features.

2. Even if the user has already set up a payment method for the other services, if the user does not set up a payment method for the other services when purchasing goods or services using the application, the second setting unit sets up the credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. The information processing system according to claim 1.

3. The aforementioned other service is a service that enables the purchase of the aforementioned goods or services using a medium different from the aforementioned application. The information processing system according to claim 1 or 2.

4. The aforementioned different medium is an IC tag. The first setting unit sets a payment method that has been pre-associated and stored with the user's ID on the IC tag transmitted from the information terminal as the payment method when purchasing goods or services using the application. The information processing system according to claim 3.

5. The aforementioned other services are services provided by a business operator different from the business operator that sells the aforementioned goods or services, or services provided by the business operator that sells the aforementioned goods or services in a business separate from the business that sells the aforementioned goods or services. The information processing system according to claim 1 or 2.

6. The first setting unit stores the payment method for the other service in the storage unit in association with the user ID in the application, thereby setting the same payment method as the payment method for the other service when purchasing goods or services using the application. The second setting unit stores the credit card information entered by the user in the storage unit in association with the user's ID in the application, thereby setting the credit card as a payment method when purchasing goods or services using the application. The information processing system according to claim 1 or 2.

7. The first setting unit links the user information in the application with the user information in the other service, and sets the same payment method as the payment method for the other service as the payment method when purchasing goods or services using the application. The information processing system according to claim 1 or 2.

8. The aforementioned application displays screens with different input fields depending on whether or not payment methods for the aforementioned other services have been set up. The information processing system according to claim 1 or 2.

9. A first setting unit sets the same payment method as the payment method for other services when a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other services, and when the user purchases goods or services using the said application, If the user has not set up a payment method for the other services, a second setting unit sets up the credit card as a payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. An information processing device equipped with the following features.

10. Even if the user has already set up a payment method for the other services, if the user does not set up a payment method for the other services when purchasing goods or services using the application, the second setting unit sets up the credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. The information processing apparatus according to claim 9.

11. When a user who purchases goods or services using a predetermined application installed on an information terminal has already set up a payment method for other predetermined services, the application will set the same payment method as the payment method for the other services when purchasing goods or services using the application. If the user has not set up a payment method for the other services, the application will set up the credit card as a payment method when purchasing goods or services, provided that authentication by the credit card company based on the credit card information entered by the user is successful. A payment setup method that a computer performs.

12. Even if the user has already set up a payment method for the aforementioned other services, if the user does not set up a payment method for the aforementioned other services when purchasing goods or services using the application, the application will set up the aforementioned credit card as the payment method when purchasing goods or services using the application, provided that authentication by the credit card company based on the credit card information entered by the user is successful. The payment setting method according to claim 11.

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