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

Abstract

It is possible to accurately determine whether or not electronic payment can be used. [Solution] An information processing device comprising: an acquisition unit that acquires information regarding a store or service that is the target of electronic payment on the network from the user terminal device via a network in response to a user performing an operation on the user terminal device to use a prepaid electronic payment using a network; and a processing unit that determines whether or not the prepaid electronic payment can be made at the target store by referring to judgment information that corresponds information indicating whether or not the prepaid electronic payment can be used and information regarding the store or service.

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, there is known a determination device that acquires credit information related to the credibility of a store and determines whether or not the credit information satisfies a determination condition (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6438138 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional techniques, it was not always possible to accurately determine whether or not electronic payment can be used.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, system, information processing method, and program that can accurately determine whether or not electronic payment can be used. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires information regarding a store or service that is the target of electronic payment on the network from the user terminal device via a network in response to a user performing an operation on the user terminal device to use a prepaid electronic payment using a network, and a processing unit that determines whether or not the prepaid electronic payment can be made at the target store by referring to determination information that corresponds information indicating whether or not the prepaid electronic payment can be used and information regarding the store or service. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to accurately determine whether or not electronic payment can be used. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] FIG. 2 is a diagram showing a functional configuration of a payment server 100. [Diagram 3] FIG. 13 is a diagram showing an example of the contents of determination information 173. [Figure 4] FIG. 2 is a diagram for explaining details of the processing executed by the electronic payment system. [Diagram 5] FIG. 13 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10 when an error is processed. [Figure 6] FIG. 2 is a sequence diagram showing an example of a flow of processes executed by the electronic payment system. [Figure 7] FIG. 2 is a diagram for explaining details of the processing executed by the electronic payment system. [Figure 8] FIG. 2 is a sequence diagram showing an example of a flow of processes executed by the electronic payment system. [Figure 9] FIG. 11 is a diagram illustrating another example of the functional configuration of the electronic payment system. [Figure 10]This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 11] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 12] FIG. 2 is a configuration diagram of a payment server 100. [Figure 13] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 14] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing device, an information processing method, and a program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "server" that will appear below, may be realized by a distributed device group, and each device may be operated by a different business operator. In addition, the owner of the hardware of the device (the cloud server provider) and the business that actually operates it may also be different. The application program and the payment server work together to provide an electronic payment service.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, the payment server 100, and a service server 200. These devices communicate with each other, for example, via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. The payment server 100 or the service server 200 is an example of an "information processing device."

[0011] A part or all of the functional configuration included in the electronic payment system may be distributed in any form among multiple devices or integrated into any device. For example, a part or all of the functional configuration of the payment server 100 or the service server 200 may be included in one device, the other device, or another device.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, a wallet application 20 is executed by a processor such as a CPU, and the user terminal device 10 operates to provide an electronic payment service to a user in cooperation with a payment server 100. The wallet application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, the communication device, the touch panel, and the like. A mini app may operate in the user terminal device 10. The mini app is an application program that operates in the wallet app 20 (or the payment app 30 described later). The mini app is, for example, a mini app that provides various services.

[0013] The wallet application 20 is an application program that manages the payment methods of electronic payments registered by the user. Examples of electronic payments include credit cards, debit cards, prepaid cards (electronic payments), so-called transportation IC (Integrated Circuit) cards, and electronic payments issued by each service provider. The above cards are, for example, virtual cards used in the user terminal device 10. The user can use electronic payments by operating the wallet application 20, selecting a desired electronic payment from the registered electronic payment methods, and performing operations for the electronic payment. As described above, the wallet application 20 provides an electronic payment wallet service that allows each so-called electronic payment to be registered in the application and managed.

[0014] [First store terminal device] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 performs electronic payment using the electronic payment method selected by the user. The first store terminal device 50 performs electronic payment by communicating with the user terminal device 10, for example.

[0015] [Payment server] FIG. 2 is a diagram showing the functional configuration of the payment server 100. The payment server 100 includes, for example, a communication unit 110, an acquisition unit 111, a determination unit 112, an information processing unit 114, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0016] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172 (described in detail later) and determination information 173.

[0017] User information 172 is information in which the user's identification information for each electronic payment described above is associated with information about the user. The user's identification information is, for example, the card number of a credit card, debit card, prepaid card, etc. The information about the user is information (such as address, telephone number, occupation, and annual income) provided by the user when applying to use the above electronic payment (such as a credit card, debit card, or prepaid card) and other information about the user. The other information about the user is, for example, the usage history of the electronic payment. The usage history includes the store used, the location of the store, the amount, etc. In the case of a prepaid card, the other information about the user includes the amount charged.

[0018] FIG. 3 is a diagram showing an example of the contents of the determination information 173. The determination information 173 includes information related to a store or service. The information related to the store or service includes one or more of the following: a store name, a service name, information on the web page of the store or service related to electronic payment (e.g., URL; Uniform Resource Locator), and information on the application program of the store or service related to electronic payment (package name of the application program of the store or service that is about to make electronic payment). A store or service related to electronic payment is a store or service for which electronic payment is executed in capture information without authorization information being sent (details will be described later). In addition, a store or service related to electronic payment is, for example, a store or service for which electronic payment has repeatedly and ultimately failed.

[0019] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0020] The judgment unit 112 refers to judgment information in which information indicating whether prepaid electronic payment can be used is associated with information about a store or service, and judges whether the information about the store or service related to the electronic payment received from another device corresponds to the information about the store or service in the judgment information.

[0021] Based on the result of the determination by the determination unit 112, the information processing unit 114 determines whether or not prepaid electronic payment can be made at the target store.

[0022] [Premise] In the comparative example, when a user uses a wallet application to select a prepaid card from among multiple electronic payment methods, the card number is automatically entered into the card number input field displayed on the display unit of the user terminal device, and the electronic payment process is executed in cooperation with the payment server 100 or the service server 200.

[0023] In the case of prepaid cards, even if the amount deposited in advance is less than the amount of the electronic payment, in the case of (A) there is no problem, but in the case of (B), the electronic payment may be made.

[0024] (A) For example, when a prepaid card is used at a store, the payment server 100 receives authorization information from the service server 200 or a server that cooperates with electronic payments for prepaid cards. The payment server 100 executes electronic payment when the charge amount of the prepaid card managed by the payment server 100 is equal to or greater than the amount of electronic payment included in the authorization information. After that, in response to the transmission of capture information, the payment server 100 confirms the processing of the electronic payment when the electronic payment in the authorization information matches the electronic payment in the capture information related to the authorization information.

[0025] The authorization information is information sent for authorization to confirm whether electronic payment is possible. The capture information is information for processing to actually perform the electronic payment approved by the authorization. When the authorization information is sent to the payment server 100 in this way, the payment server 100 can confirm the charge amount of the prepaid card, so the following problems do not occur.

[0026] (B) For example, as described above, capture information may be sent without sending authorization information. In this case, the payment server 100 cannot perform electronic payment when the charge balance of the prepaid card is less than the amount of electronic payment in the capture information. The burden caused by this is borne by the administrator of the prepaid card (the administrator of the payment server 100). In order to reduce the burden on the administrator as described above, the following process is executed.

[0027] Furthermore, when a burden is placed on the administrator as described above, the user is informed that the charge balance is insufficient, which can lead to a negative experience for the user. In contrast, the following process prevents the user from having a negative experience.

[0028] [Processing Overview] In response to a user's operation to use a prepaid electronic payment using a network on the user terminal device 10, the payment server 10 acquires target information related to a store or service that is the target of the electronic payment on the network from the user terminal device 10 via the network. The payment server 100 determines whether or not the prepaid electronic payment can be made at the target store by referring to determination information 173 in which information indicating whether or not the prepaid electronic payment can be used is associated with information related to the store or service.

[0029] As described above, the payment server 100 suppresses electronic payment when it estimates that the store that is the target of electronic payment is a store that does not use authorization information by referring to the determination information 173. This makes it possible for the payment server 100 to suppress the inability to execute electronic payment due to insufficient charge balance when capturing information.

[0030] [Processing flow overview (1)] 4 is a diagram for explaining the details of the processing executed by the electronic payment system. (1) First, a user operates wallet application 20 to register a prepaid card or credit card in wallet application 20. After that, (2) when the user makes an electronic payment at a store or service on the network (when making an electronic payment on a web page), the user operates wallet application 20.

[0031] (3) When a user operates wallet application 20 to select credit card as the method of electronic payment, wallet application 20 automatically inputs information required for electronic payment, such as a credit card number, into an input field for the credit card number related to the electronic payment. This process is performed by one or more functional configurations of wallet application 20, service server 200, and a server of a store or service related to electronic payment, or by cooperation between these. Hereinafter, one or more functional configurations of wallet application 20, service server 200, and a server of a store or service related to electronic payment may be referred to as a target device.

[0032] Then, the payment server 100 acquires various information including the credit card number (user information) transmitted from the target device, and judges the risk related to the electronic payment based on the acquired various information. The various information includes, for example, the location of the user terminal device 10, information on the user terminal device 10, information on the operation, information on the store or service to be used, information on the web page related to the store or service to be used, and the amount of the electronic payment. The above credit card number is the number automatically entered in the above-mentioned input field. The payment server 100 performs processing according to the judgment. The processing according to the judgment is, for example, (4) authentication completion, (5) additional authentication, and (6) error processing. The processing result is provided to the wallet application 20 via the service server 200.

[0033] (4) Authentication complete: since the credit card is valid and can be used, information indicating that authentication has been completed is provided to the user terminal device 10 via the service server 200. (5) Additional authentication is a process to verify the validity of a credit card by two-factor authentication, such as having the user enter information to be authenticated, such as a password, in addition to the credit card identification information. (6) Error processing is a process of notifying the user of information indicating that the validity of the credit card cannot be fully confirmed and electronic payment using the credit card cannot be made.

[0034] (7) When the user operates the wallet application 20 to select a prepaid card as the method of electronic payment, the wallet application 20 transmits target information to the payment server 100 via the service server 200. The target information includes information about the store or service.

[0035] (10) If the information on the store or service does not correspond to the judgment information 173, proceed to (3). When the payment server 100 judges that the prepaid electronic payment can be made at the target store by referring to the judgment information 173 in which the information indicating that the prepaid electronic payment cannot be used is associated with the information on the store or service, the payment server 10 causes the user terminal device 10 to automatically input the user's information in the input field for inputting the user's information for making the prepaid electronic payment. Then, the payment server 100 acquires various information including the prepaid card number transmitted from the target device in the same manner as above, and judges the risk related to the electronic payment based on the acquired various information. This prepaid card number is, for example, the card number automatically input in the input field.

[0036] (8) The payment server 100 refers to the determination information 173 and determines whether the information on the store or service of the target information corresponds to the determination information 173. (9) If the information on the store or service corresponds to the determination information 173, the payment server 100 executes error processing.

[0037] When the payment server 100 determines that prepaid electronic payment cannot be made at the target store by referring to the determination information 173 in which information indicating that prepaid electronic payment cannot be used is associated with information on the store or service, the payment server 100 does not automatically input user information into the input field for inputting user information for making prepaid electronic payment in the user terminal device 10. When the payment server 100 determines that prepaid electronic payment cannot be made at the target store as in the above determination, it notifies the user terminal device 10 of information indicating that prepaid electronic payment cannot be made at the target store.

[0038] FIG. 5 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10 when an error is processed. For example, when an electronic payment is made, the user operates the wallet application 20 to select a prepaid card as a method of electronic payment on the interface screen IF1. In this case, when the information on the store or service of the electronic payment corresponds to the determination information 173, the payment server 100 displays on the display unit an interface screen IF2 including information indicating that the store or service cannot use electronic payment using a prepaid card. This allows the user to easily recognize that the prepaid card cannot be used at the store or service.

[0039] [Sequence diagram (1)] 6 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system, which corresponds to (3) and (6)-(10) in FIG.

[0040] First, when a user operates the wallet application 20 for electronic payment (S100), the wallet application 20 displays a list of electronic payment methods, such as the types of cards registered in the wallet application 20, on the display unit (S102). Next, when the user performs a selection operation for a prepaid card, for example (S104), the wallet application 20 transmits information (target information) relating to the store or service to the service server 200 (S106). In the process of S106, various information may also be transmitted, including, for example, the location of the user terminal device 10, information about the user terminal device 10, information about the operation, information about the store or service to be used, information about a web page related to the store or service to be used, and the amount of electronic payment.

[0041] Next, the service server 200 transmits the target information to the payment server 100 (S108). Next, the payment server 100 executes a determination process based on the determination information 173 and the target information (S110). The determination process is a process for determining whether the target information corresponds to the determination information.

[0042] Next, the payment server 100 transmits the determination result to the service server 200 (S112). Next, the service server 200 transmits the determination result to the wallet application 20 (S114). Next, the wallet application 20 displays information according to the determination result on the display unit of the user terminal device 10 (S116).

[0043] As described above, the electronic payment system can accurately determine whether or not a prepaid card can be used.

[0044] The above-mentioned processes may be omitted from going through the service server 200, and the user terminal device 10 and the payment server 100 may directly communicate with each other to execute various processes.

[0045] All or part of the various processes executed by the payment server 100 described above may be executed by the service server 200.

[0046] [Processing flow overview (2)] In this process, the determination information 173 is held by the service server 200, and the service server 200 makes a determination using the determination information 173. In response to the user's operation on the user terminal device 10 to use a prepaid electronic payment using a network, the service server 200 acquires information on the target store or service of the electronic payment in the network from the user terminal device 10 via the network. The service server 200 refers to the determination information 173 and determines whether or not the prepaid electronic payment can be made at the target store. FIG. 7 is a diagram for explaining the details of the process executed by the electronic payment system. The following mainly explains the differences from FIG. 5 described above.

[0047] (1) First, a user operates the wallet application 20 to register a prepaid card or a credit card in the wallet application 20. After that, (2) when the user wants to make an electronic payment at a store or service on the network (when making an electronic payment on a web page), the user operates the wallet application 20.

[0048] (#7) The wallet application 20 transmits the target information to the service server 200. The target information includes information related to a store or a service. In (8), the service server 200 refers to the determination information 173 and determines whether the information related to the store or service in the target information corresponds to the determination information 173.

[0049] (9) If it corresponds to the determination information 173, (11) the service server 200 executes custom error processing. Custom error processing is processing in which the service server 200, in cooperation with the wallet application 20, causes the display unit of the user terminal device 10 to display a list of other electronic payments in a state in which prepaid cards are excluded from the electronic payment options. In other words, the service server 200 does not cause the user terminal device 10 to automatically input user information into an input field for inputting user information for making prepaid electronic payments, and excludes prepaid cards from the options.

[0050] On the other hand, if the information does not fall under (10) judgment information 173, the process proceeds to (3). When the service server 200 judges that the prepaid electronic payment can be made at the target store by referring to the judgment information 173 in which the information indicating that the prepaid electronic payment cannot be used is associated with the information on the store or the service, the service server 200 displays a list of electronic payments including the prepaid card. When the user selects the prepaid card, the service server 200 causes the user terminal device 10 to automatically input the user's information in an input field for inputting the user's information for making the prepaid card electronic payment. Then, the service server 200 transmits various information including the input user's information to the payment server 100, and causes the payment server 100 to judge the risk related to the electronic payment. The prepaid card number is the card number automatically input in the input field. The process of judgment of the payment server 100 may be executed by the service server 200.

[0051] As described above, the service server 200 uses the determination information 173 to display on the display unit a list of electronic payments that excludes prepaid card electronic payments from the list of electronic payments that the user can select from, for electronic payments at a store or service that corresponds to the determination information 173. This allows the user to select an available electronic payment without selecting an unavailable electronic payment.

[0052] In addition, in the above process, if a prepaid card cannot be used, instead of excluding the prepaid card from the options, the service server 200 may display information indicating that the prepaid card cannot be used in association with the prepaid card, thereby preventing the user from selecting the prepaid card.

[0053] [Sequence diagram (2)] 8 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system, which corresponds to (3) and (6)-(11) in FIG.

[0054] First, the payment server 100 transmits the determination information 173 to the service server 200 (S200). The service server 200 stores the transmitted determination information 173 in the storage unit. When the user operates the wallet application 20 for electronic payment (S202), the wallet application 20 transmits information (target information) related to the store or service to the service server 200 (S204).

[0055] Next, the service server 200 executes a determination process based on the determination information 173 and the target information (S206). The determination process is a process for determining whether the target information corresponds to the determination information 173 or not.

[0056] Next, the service server 200 transmits the determination result to the wallet application 20 (S208). Next, the wallet application 20 displays a list of electronic payments according to the determination result on the display unit of the user terminal device 10 (S210). For example, if the store or service that is the target of the electronic payment corresponds to the determination information 173, the prepaid card electronic payment is not displayed in the list, and a list of other electronic payments is displayed. For example, if the store or service that is the target of the electronic payment does not correspond to the determination information 173, a list of the prepaid card electronic payment and other electronic payments is displayed.

[0057] As described above, the electronic payment system displays a list of available electronic payment methods on the display unit, improving user convenience.

[0058] [Example of linking with a payment app] The wallet application 20 may execute processing in cooperation with the payment application 30. For example, the wallet application 20 and the payment application 30 may perform account cooperation, and a virtual prepaid card provided by the payment application 30 may be registered in the wallet application 20.

[0059] The electronic payment service provided by the payment application 30 is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for electronic commerce. The virtual store may also include one provided by an entity other than the operator of the electronic payment service. In that case, when making a payment for a purchase at the virtual store, the screen is controlled to transition to an interface screen for the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly carried out between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[0060] 9 is a diagram showing another example of the functional configuration of an electronic payment system. The electronic payment system that realizes an electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, and a service server 200. These devices communicate with each other via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0061] A part or all of the functional configuration included in the electronic payment system may be distributed among multiple devices in any form, or may be integrated into any device. For example, a part or all of the functional configuration of the payment server 100 may be included in another device.

[0062] [First store terminal device] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) or a barcode printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be a display of a terminal device such as a smartphone). The store code image is an example of "code information". The code information is not limited to a QR code or a barcode, and may be any information used in an electronic payment service. For example, the code information may be any information used in electronic payment of an electronic payment service and includes information for identifying a store.

[0063] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store or the operator of the store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0064] The payment application 30 stored in the user terminal device 10 executes processes relating to electronic payment, as will be described later.

[0065] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0066] 10 and 11 are sequence diagrams illustrating an example of the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0067] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 10, the user terminal device 10 with the payment application 30 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which information capable of identifying a store is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 30 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 30 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 30 (S8), and the payment application 30 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0068] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 11, when the payment application 30 is started, when a payment operation is performed in the payment application 30, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 30 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 30 (S13). The payment application 30 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 30 (S18), and the payment application 30 displays a payment completion screen (S19).

[0069] Note that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 10 may be other information (e.g., a phone number) that can be used as user identification information. Also, issuance of a one-time code may be omitted in the store scan, and the payment application 30 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0070] [Payment server functional configuration] FIG. 12 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a determination unit 112, an information processing unit 114, a content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or may be realized by cooperation between software and hardware. The program may be stored in a storage device (storage device having a non-transient storage medium) such as an HDD or flash memory in advance, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device.

[0071] The storage unit 170 stores information such as user information 172 and determination information 173, as well as content information 174 and affiliated store / shop information 176. Some of this information may be stored in the storage unit of the user terminal device 10.

[0072] The content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10 or the second store terminal device 70. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 30, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 30. In this case, the content providing unit 120 provides information required for generating the content to the payment application 30.

[0073] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0074] [User information] FIG. 13 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a credit payment setting, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, and payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0075] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment has been completed, and is set to either "completed" or "not completed." The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment that has already been used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0076] [Affiliated store / store information] 14 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID, a store ID, and an affiliated store category are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the affiliated store or store category, the store's location, and payment patterns.

[0077] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's (or store's) sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0078] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit card payment limit. In order to receive the credit card payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit card payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform the processing. In addition, if the payment amount exceeds the available credit card payment amount at the time of provisional payment, an error notification is returned to the payment application 30.

[0079] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records, edits, deletes, etc. for the user information 172 and affiliated store / store information 176. Furthermore, the information management unit 140 processes information provided by other server devices and terminal devices, and provides information stored in the storage unit 170 to the user terminal device 10.

[0080] The above-mentioned payment application 30 is account-linked with the wallet application 20. As a result, a virtual prepaid card that can be used with the payment application 30 is registered in the wallet application 20.

[0081] In this way, by using payment application 30, electronic payment can be performed, and by easily linking with wallet application 20, a prepaid card can be used in wallet application 20.

[0082] The functional configuration of the wallet application 20 described above may be included in the payment application 30, or may function as a mini-app of the payment application 30. The functional configuration of the payment application 30 may be included in the wallet application 20, or may function as a mini-app of the wallet application 20.

[0083] In the above example, the process for using a prepaid card was described, but in addition to (or instead of) this, the process may also be performed for using a credit card or other prepaid electronic payments. This can more appropriately prevent inappropriate payments from occurring during capture.

[0084] According to the embodiment described above, in response to a user performing an operation on a user terminal device to use a network-based prepaid electronic payment, the payment server 100 (or the service server 200) acquires information about the store or service that is the target of the electronic payment on the network from the user terminal device via the network, and determines whether or not the prepaid electronic payment can be made at the target store by referring to determination information that corresponds information indicating whether or not the prepaid electronic payment can be used with information about the store or service, thereby making it possible to accurately determine whether or not the electronic payment can be used.

[0085] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0086] 10 User terminal device 20. Wallet App 30 Payment App 100 Payment Server 111 Acquisition Department 112 Judgment section 114 Information Processing Section 120 Contents Provider 130 Payment processing unit 140 Information Management Department 200 Service Server

Claims

1. an acquisition unit that acquires, via a network, information about a store or service that is the subject of electronic payment on the network from the user terminal device in response to a user performing an operation on the user terminal device to use a prepaid electronic payment using the network; With reference to determination information in which the information indicating whether the prepaid electronic payment can be used is associated with information on the store or service, a processing unit that determines whether the prepaid electronic payment can be made at the target store or service, The processing unit includes: When making the electronic payment, Payment by credit card or prepaid card, which are payment methods registered in the application program that manages payment methods, when a prepaid card is selected and it is determined in the determination with reference to the determination information that the prepaid electronic payment cannot be made at the target store or service, in cooperation with the application program, displaying an error screen on the display unit without inputting the number of the prepaid card managed by the application program into an input field displayed on the display unit; when a credit card is selected, automatically inputting the credit card number managed by the application program into an input field displayed on a display unit in cooperation with the application program without making a determination based on the determination information; Information processing device.

2. The information about the store or service includes one or more of the following information: a store name, a service name, information about a web page of the store or service related to the electronic payment, and information about an application program of the store or service related to the electronic payment; The information processing device according to claim 1 .

3. The processing unit: When making the electronic payment, when a prepaid card is selected and it is determined in the determination with reference to the determination information that the prepaid electronic payment can be made at the target store or service, in cooperation with the application program, automatically inputting the number of the prepaid card managed by the application program into an input field displayed on a display unit and displaying it on the display unit. The information processing device according to claim 1 .

4. The acquisition unit acquires the input card number, The processing unit uses the card number to determine whether the electronic payment is possible. The information processing device according to claim 3 .

5. an information processing device that provides a processing device with determination information that is information regarding a target store or service that can or cannot use a prepaid electronic payment method using a network; In response to a user performing an operation on a user terminal device to use a prepaid electronic payment using a network, information regarding a store or service that is the subject of the electronic payment on the network is obtained from the user terminal device via the network; the processing device that refers to the determination information and determines whether or not the prepaid electronic payment can be made at the target store; The processing device includes: When making the electronic payment, Payment by credit card or prepaid card, which are payment methods registered in the application program that manages payment methods, when a prepaid card is selected and it is determined in the determination with reference to the determination information that the prepaid electronic payment cannot be made at the target store or service, in cooperation with the application program, displaying an error screen on the display unit without inputting the number of the prepaid card managed by the application program into an input field displayed on the display unit; when a credit card is selected, automatically inputting the credit card number managed by the application program into an input field displayed on a display unit in cooperation with the application program without making a determination based on the determination information; system.

6. The computer In response to a user performing an operation on a user terminal device to use a prepaid electronic payment using a network, information regarding a store or service that is the subject of the electronic payment on the network is obtained from the user terminal device via the network; With reference to determination information in which the information indicating whether the prepaid electronic payment can be used is associated with information on the store or service, determining whether the prepaid electronic payment can be made at the target store; When making the electronic payment, Payment by credit card or prepaid card, which are payment methods registered in the application program that manages payment methods, when a prepaid card is selected and it is determined in the determination with reference to the determination information that the prepaid electronic payment cannot be made at the target store or service, in cooperation with the application program, displaying an error screen on the display unit without inputting the number of the prepaid card managed by the application program into an input field displayed on the display unit; when a credit card is selected, automatically inputting the credit card number managed by the application program into an input field displayed on a display unit in cooperation with the application program without making a determination based on the determination information; Information processing methods.

7. On the computer, In response to a user's operation on a user terminal device to use a prepaid electronic payment method using a network, information regarding a store or service that is the subject of the electronic payment on the network is obtained from the user terminal device via the network; By referring to determination information in which the information indicating whether the prepaid electronic payment can be used is associated with information on the store or service, determining whether or not the prepaid electronic payment can be made at the target store; When making the electronic payment, Payment by credit card or prepaid card, which are payment methods registered in the application program that manages payment methods, when a prepaid card is selected and it is determined in the determination with reference to the determination information that the prepaid electronic payment cannot be made at the target store or service, in cooperation with the application program, displaying an error screen on the display unit without inputting the number of the prepaid card managed by the application program into an input field displayed on the display unit; when a credit card is selected, without making a determination based on the determination information, the credit card number managed by the application program is automatically input in an input field displayed on a display unit in cooperation with the application program. program.

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