Payment system, display control method, and program

Abstract

Improve the convenience of users in payment services. 【Solution means】The display request reception unit (101) of the payment system (1) receives a display request for a selection screen for the user to select functions related to payment services. When a display request is received, the status information acquisition unit (102) acquires status information regarding the status of user authentication. The display control unit (103) displays the status on the selection screen based on the status information.

Description

Technical Field

[0001] The present disclosure relates to a payment system, a display control method, and a program.

Background Art

[0002] Conventionally, payment services that require user authentication have been known. For example, in Patent Document 1, when a user starts a transaction of another service while logged in to a payment service, based on status information regarding the authentication status in the payment service (for example, whether authentication has been completed or not), a service management system that performs review and procedures at the start of a transaction of another service is described.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] For example, in the technology of Patent Document 1, a user can know the fact that the authentication status in the payment service can be used after actually starting the procedure for starting a transaction of another service. However, in the technology of Patent Document 1, a user cannot know this fact before starting the procedure. This is not limited to the start of a transaction of another service such as Patent Document 1, and the same applies when a user selects a function related to a payment service. For this reason, the conventional technology has not been able to sufficiently improve the convenience for users.

[0005] One of the objects of the present disclosure is to improve the convenience of users in a payment service.

Means for Solving the Problems

[0006] The settlement system according to the present disclosure includes a display request reception unit that receives a display request for a selection screen for a user to select functions related to settlement services, a status information acquisition unit that acquires status information regarding the status of the user's identity verification when the display request is received, and a display control unit that displays the status on the selection screen based on the status information.

Effects of the Invention

[0007] The present disclosure can improve the convenience of users in settlement services.

Brief Description of the Drawings

[0008]

Figure 1

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Modes for Carrying Out the Invention

[0009] [1. Hardware Configuration of the Settlement System] An example of an embodiment of a settlement system, a display control method, and a program according to the present disclosure will be described. FIG. 1 is a diagram showing an example of the hardware configuration of the settlement system. For example, the settlement system 1 includes a settlement server 10, a cooperation server 20, and a user terminal 30. Each of the settlement server 10, the cooperation server 20, and the user terminal 30 is connected to a network N such as the Internet or a LAN.

[0010] The settlement server 10 is a server computer for settlement services. The settlement service is a service that provides users with electronic settlements (cashless settlements). For example, the settlement server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0011] The cooperation server 20 is a server computer for external services that cooperate with the settlement service. In the present embodiment, a case where the external service is a service that provides users with electronic settlements using a bank account will be described. The external service can also be said to be another settlement service different from the settlement service provided by the settlement server 10. In the present embodiment, the places simply described as settlement services mean the settlement services provided by the settlement server 10, not the external services. A case where the operator of the settlement service and the operator of the external service are different will be taken as an example, but these operators may be the same. For example, the cooperation server 20 includes a control unit 21, a storage unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

[0012] The user terminal 30 is the user's computer. For example, the user terminal 30 is a smartphone, a tablet, a personal computer, or a wearable terminal. The user terminal 30 includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, a display unit 35, and a photographing unit 36. The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device such as a touch panel or a mouse. The display unit 35 is a display such as a liquid crystal or an organic EL. The photographing unit 36 includes at least one camera.

[0013] Note that the programs stored in the storage units 12, 22, and 32 may be supplied to the settlement server 10, the cooperation server 20, or the user terminal 30 via the network N. Further, at least one of a reading unit (for example, a memory card slot) for reading a computer-readable information storage medium and an input / output unit (for example, a USB port) for inputting / outputting data to / from an external device may be included in the settlement server 10, the cooperation server 20, or the user terminal 30. For example, a program stored in the information storage medium may be supplied to the settlement server 10, the cooperation server 20, or the user terminal 30 via at least one of the reading unit and the input / output unit.

[0014] Also, the settlement system 1 may include at least one computer. The computer included in the settlement system 1 is not limited to the example of FIG. 1. For example, the settlement system 1 may include only the settlement server 10 and the user terminal 30. In this case, the cooperation server 20 exists outside the settlement system 1. The settlement system 1 may include only the settlement server 10. In this case, the cooperation server 20 and the user terminal 30 exist outside the settlement system 1. For example, the settlement system 1 may include the settlement server 10 and another computer not shown in FIG. 1.

[0015] [2. Outline of Settlement System] In this embodiment, the user operates the user terminal 30 to use the payment service. The user can use any payment method in the payment service. The payment method is the method used by the user for payment. For example, the payment method may be a credit card, electronic money, points, cryptocurrency, debit card, wallet, an account such as a bank account, or other means. Codes such as barcodes or two-dimensional codes also correspond to payment means because they are means for payment. Since the payment method may be used for payment, it can also be called a payment means.

[0016] In this embodiment, an example is given of the case where the user executes payment using the payment application installed on the user terminal 30. The payment application is an application provided by an operator who operates the payment service. When the user installs the payment application on the user terminal 30 and registers as a member of the payment service, the user can use the payment service. When the user completes the membership registration and launches the payment application, the user terminal 30 causes the display unit 35 to display the top screen of the payment application. The top screen is the screen that is first displayed after the payment application is launched. The top screen may also be called the first view.

[0017] FIGS. 2 to 4 are diagrams showing an example of the screen displayed on the user terminal 30. For example, when the payment application is launched, as shown in the upper left of FIG. 2, the user terminal 30 causes the display unit 35 to display the top screen SC1 including the code C10 generated based on the code ID that can temporarily identify the user. The code C10 is at least one of a barcode and a two-dimensional code. When the code C10 is read at a store that subscribes to the payment service, payment is executed based on the code ID obtained from the code C10.

[0018] In the example of FIG. 2, since the online type of electronic money called "AAA Cash" is set as the payer, the settlement based on the pre-charged electronic money is executed. The payer is the settlement means used for payment. The payer can be any settlement means. For example, the user may be able to register a plurality of settlement means that are candidates for the payer. In this case, the user designates any one of the plurality of settlement means as the payer. The user can change the payer by selecting button B11. The settlement based on the payer designated by the user may be a known process.

[0019] Note that the settlement is not limited to the type in which the code C10 displayed on the user terminal 30 is read. The settlement can be of any type. For example, the settlement can be of the type in which the user terminal 30 reads the code displayed on the terminal of the store, the type in which the user terminal 30 reads the code posted in the store, the type that is completed only by an operation on the user terminal 30 (e.g., ID settlement or account settlement), the type in which the IC chip of the user terminal 30 is used, the carrier settlement that is the settlement of the carrier used by the user terminal 30, or other types.

[0020] For example, the user can change the charging source by selecting button B12. The charging source is the settlement means used for charging. The charging source can also be said to be the settlement means that is the source of the charge. Charging is a process of increasing the balance of the settlement means. In this embodiment, the case where the charging of electronic money is executed is taken as an example, but the settlement means to be charged can be any settlement means having the concept of charging, and is not limited to electronic money. For example, charging for settlement means such as an account may be executed. The settlement means that can be used as the charging source can also be any settlement means.

[0021] For example, when the user selects button B12, as shown in the upper right of Figure 2, the user terminal 30 causes the display unit 35 to display a selection screen SC2 that includes a panel P20 for the user to select a charging source. In the example in the upper right of Figure 2, a credit card is selected as the charging source, like the topmost panel P20. The user can register a new credit card and select it as the charging source by selecting the second panel P20 from the top. The user can register an account of a bank that is an affiliated company of the operator of the payment service and select it as the charging source by selecting the third panel P20 from the top.

[0022] In this embodiment, the user can set an account of another bank that is not an affiliated company of the operator of the payment service as the charging source. However, the processing such as charging using an account of another bank is to be executed mainly by an external service rather than the payment service. Further, it is assumed that the user needs to complete the identity verification in the payment service in order to use an account of another bank in the payment service.

[0023] Identity verification is a process for verifying that it is the user himself / herself. Identity verification is sometimes also called authentication. In this embodiment, the case where eKYC (electronic Know Your Customer) corresponds to identity verification is taken as an example. In the payment service, other identity verifications other than eKYC (for example, KYC that does not use electronic means) may be performed. The method of identity verification may be various known methods. In identity verification, identity verification documents such as a driver's license or a personal identification number card may be verified, or information such as the user's address or phone number may be verified without using identity verification documents.

[0024] In the example in the upper right of FIG. 2, the user has not yet completed identity verification. Therefore, the user terminal 30 causes the bottom panel P20 to display a message indicating that identity verification has not been completed, such as "Identity verification is required for registration." For example, when the user selects the bottom panel P20, as shown in the lower left of FIG. 2, the user terminal 30 causes the identity verification screen SC3 for accepting the identity verification operation to be displayed on the display unit 35. For example, the user terminal 30 activates the imaging unit 36 and captures an identity verification document.

[0025] In the present embodiment, an example is given where identity verification is performed for services other than the payment service and external services, but at least one of the payment service and external services may perform identity verification. The payment service obtains the result of identity verification performed in other services from those other services. The processing for identity verification may be known processing. For example, identity verification may be performed by image processing on an image of the captured identity verification document, or identity verification may be performed by visual confirmation by an operator. It may take a certain amount of time (for example, several hours to several days) from the application for identity verification to its completion.

[0026] For example, when identity verification is completed, as shown in the lower right of FIG. 2, the user terminal 30 causes the identity verification screen SC3 to display a message indicating that identity verification has been completed. When identity verification is completed, the user can register an account at another bank as a recharge source. In a state where identity verification has been completed, when the user selects the panel P20 for registering an account at another bank (in the example in the upper right of FIG. 2, the bottom panel P20), as shown in the upper left of FIG. 3, the user terminal 30 causes the account information input screen SC4 for the user to input account information regarding the account at another bank to be displayed on the display unit 35.

[0027] For example, the user inputs each of the financial institution, account holder name, branch, deposit type, and account number as account information from the account information input screen SC4. When the user inputs the account information, as shown in the upper right of FIG. 3, the user terminal 30 causes the account information input screen SC4 to display a message indicating that the registration of the account information has been completed. When the user selects the button B40, as shown in the lower left of FIG. 3, the user terminal 30 causes the display unit 35 to display a selection screen SC2 indicating that an account of another bank has been set as the charge source.

[0028] In the example in the lower left of FIG. 3, as in the uppermost panel P20, an account of another bank is set as the charge source. In the payment application, the details of the account information (for example, the account number) of the account of another bank set as the charge source may not be displayed. For example, when the user performs an operation for charging in a state where an account of another bank is set as the charge source, as shown in the lower right of FIG. 3, the user terminal 30 causes the display unit 35 to display a charge screen SC5 for executing the charge. When the user inputs the charge amount from the charge screen SC5 and instructs the execution of the charge, the payment server 10 cooperates with the cooperation server 20 to execute the charge.

[0029] For example, after setting an account of another bank as the charge source, the user can also change the charge source to another payment means such as a credit card. When the user selects the second panel P20 from the top in the state of the selection screen SC2 in the upper left of FIG. 4, the credit card is set as the charge source. In this case, as shown in the upper right of FIG. 4, the user terminal 30 causes the display unit 35 to display a selection screen SC2 indicating that the credit card has been set as the charge source. In each of the second panel P20 from the top and the lowermost panel P20, it is shown that the identity verification has been completed.

[0030] In this embodiment, it is assumed that the user can register only one account of another bank. Further, in order for the user to newly register an account of another bank, it is assumed that the user needs to delete the account of another bank that has been registered so far. When the user selects the trash can icon of the second panel P20 from the top in the state shown in the upper right of FIG. 4, the registered account of another bank is deleted. As shown in the lower left of FIG. 4, the user terminal 30 deletes the panel P20 indicating the registered account of another bank from the selection screen SC2. When the user selects the bottommost panel P20, the user terminal 30 causes the account information input screen SC4 to be displayed on the display unit 35 as shown in the lower right of FIG. 4. Since the identity verification has been completed, the identity verification is not performed again.

[0031] As described above, the settlement system 1 of this embodiment causes the selection screen SC2 on which the user selects the charge source in the settlement service to display the status of the identity verification. Thereby, the user can grasp the status of the identity verification before selecting the panel P20 for registering an account of another bank. For example, the user can grasp in advance whether identity verification is required before selecting the panel P20 for registering an account of another bank, or whether an account of another bank can be registered without re-performing identity verification. Therefore, the settlement system 1 can improve the convenience for the user. Hereinafter, the details of the settlement system 1 will be described.

[0032] [3. Functions Realized by the Settlement System] FIG. 5 is a diagram showing an example of functions realized by the settlement system 1. Each part realized by the settlement system 1 can be configured by integrating them into one device or further dispersing the devices in more detail.

[0033] [3-1. Functions Realized by the Settlement Server] For example, the settlement server 10 includes a data storage unit 100, a display request reception unit 101, a status information acquisition unit 102, and a display control unit 103. The data storage unit 100 is realized by the storage unit 12. Each of the display request reception unit 101, the status information acquisition unit 102, and the display control unit 103 is realized by the control unit 11.

[0034] [Data storage unit] The data storage unit 100 stores data necessary for the payment service. For example, the data storage unit 100 stores a user database DB.

[0035] FIG. 6 is a diagram showing an example of the user database DB. The user database DB is a database in which various types of information related to users are stored. For example, the user database DB stores a user ID, a password, a code ID, payment method information, payer information, charger information, linkage ID, terminal ID, and status information. Other data may be stored in the user database DB. For example, usage history information related to the usage history of the payment service may be stored in the user database DB.

[0036] The user ID is an example of user identification information that can identify a user. Separate from the user ID, there may be a login account. The login account may be freely changeable by the user. The login account is also an example of user identification information. The password is information confirmed at the time of login. Since the code ID is also an ID that can identify a user in the payment service, it is an example of user identification information. The code ID is updated every time the code C10 is displayed. The user identification information may be other information other than the user ID, the login account, and the code ID.

[0037] The payment method information is information that can identify the payment methods available to the user in the payment service. The payment methods indicated by the payment method information can be said to be the payment methods that are candidates for at least one of the payer and the charger. For example, the payment method information is information such as a credit card number, information such as an electronic money number, information such as a bank account, or information such as a point card number. The payer information is information that can identify the payment method set for the payer. The charger information is information that can identify the payment method set for the charger.

[0038] The cooperation ID is an ID for the settlement server 10 to cooperate with the cooperation server 20. For example, when a user registers an account at another bank, the cooperation server 20 issues a cooperation ID. The cooperation server 20 manages the cooperation ID in association with the account information of the account at another bank. All or part of the account information of the account at another bank may be managed by the settlement server 10, but in this embodiment, only the cooperation ID is managed and the account information of the account at another bank is not managed. The cooperation ID may be information for the user to log in to an external service. The cooperation ID can also be said to be common user identification information in the settlement service and the external service. The cooperation ID may be issued by the settlement server 10. The cooperation ID may not be particularly issued, and the user identification information of the settlement service may be used in the external service.

[0039] The terminal ID is an example of terminal identification information that can identify the user terminal 30. While user identification information can identify the user, terminal identification information can identify the user terminal 30. Therefore, when a certain user uses multiple user terminals 30, the terminal identification information of each user terminal 30 is different from each other. For example, the terminal ID may be issued by the settlement server 10. The terminal identification information is not limited to the terminal ID. The terminal identification information may be the IP address of the user terminal 30, the ID recorded on the SIM card, the individual identification information of the user terminal 30, or other information. In this embodiment, the case where the terminal ID is generated by the settlement server 10 is taken as an example, but the terminal identification information with the terminal ID as an example may be stored in advance in the user terminal 30.

[0040] The status information is information regarding the status of identity verification. The status of identity verification can also be referred to as the implementation status of identity verification. For example, the status of identity verification is whether identity verification has been completed. For example, the status of identity verification is whether the application for identity verification (including the application for renewal) has been completed. In this embodiment, a case where the number of statuses that the status information can take is two is taken as an example. That is, the status information becomes either a status indicating that identity verification has not been completed or a status indicating that identity verification has been completed. In this embodiment, for each pair of user identification information and terminal identification information, the status information is stored in the user database DB. Therefore, when a certain user uses a plurality of user terminals 30, the status information is stored in the user database DB for the number of user terminals 30. When a certain user terminal 30 is shared by a plurality of users, the status information is stored in the user database DB for the number of users using the user terminal 30.

[0041] Note that the number of statuses that the status information can take may be three or more. If there are intermediate steps such as "uploaded identity verification documents" or "verifying identity verification documents" before identity verification is completed, the status of identity verification may be the current step. For another example, there may be statuses indicating the results of applications or renewals for identity verification such as "re-application for identity verification is required" or "it is necessary to submit another document" indicating that identity verification has been denied. The status information only needs to indicate any one of a plurality of predetermined statuses. Identity verification may be an example of cooperation information for the payment service to cooperate with other services. In this embodiment, a case where identity verification is executed by an external server is taken as an example, but identity verification may also be executed by the payment server 10.

[0042] For example, the payment server 10 receives status information of a certain user from an external server that performs identity verification. The payment server 10 stores the status information received from the external server in the user database DB in association with the user ID of the user. When the status information of a certain user is updated by the external server, the payment server 10 receives the updated status information from the external server. The payment server 10 updates the status information associated with the user ID of the user. It is assumed that user identification information such as the user ID is linked between the payment server 10 and the external server.

[0043] In this embodiment, the status information indicates either a first value (for example, "0") indicating that the identity verification has not been completed, or a second value (for example, "1") indicating that the identity verification has been completed. The status information may have other values indicating intermediate steps. The value of the status information is represented by characters, numbers, symbols, or a combination thereof. The initial value of the status information is the first value. When the identity verification is completed, the status information is changed from the first value to the second value. The second value may be any value different from the first value.

[0044] Note that the data stored in the data storage unit 100 is not limited to the above example. The data storage unit 100 may store data necessary for the payment service. For example, the data storage unit 100 may store data of various screens displayed on the payment application. The data storage unit 100 also stores programs and data necessary for payment, charging, and other processes.

[0045] [Display request reception unit] The request reception unit 101 for display receives a display request for a selection screen SC2 for a user to select a function related to the payment service. The function related to the payment service can also refer to each individual small service provided by the payment service. The payment service can also be regarded as a concept that includes each individual small service. The function related to the payment service can also refer to a program prepared for the payment service (for example, an individual program in the payment application or a program on the payment server 10 side). The function related to the payment service can also refer to the type of information processing executable by the payment service.

[0046] In this embodiment, as an example of the function related to the payment service, the charge source setting function related to the setting of the charge source will be described. The charge source setting function is a function for setting the payment means to be the charge source. For example, the charge source setting function is a function for changing the payment means to be the charge source. The charge source setting function may be a function for newly registering the payment means to be the charge source. In the examples of FIGS. 2 to 4, the function available to the user from the selection screen SC2 corresponds to the charge source setting function.

[0047] Note that the function related to the payment service is not limited to the charge source setting function. For example, as in the modification example described later, the function related to the payment service may be a payment source setting function or a service usage function. For another example, the function related to the payment service may be a function for newly registering the payment means available in the payment service, a function for changing the user's own information, an authentication function for payment, or other functions. The function related to the payment service may be any function prepared by the operator who operates the payment service.

[0048] In this embodiment, since the display request reception unit 101 is implemented by the payment server 10, the display request for the selection screen SC2 is data received by the payment server 10 from the user terminal 30. This data can be identified as a display request. The data format of the display request may be a format defined by an API or the like. In the example of FIG. 2, when the user selects the button B12, the user terminal 30 transmits a display request for the selection screen SC2 to the payment server 10. The display request reception unit 101 receives the display request for the selection screen SC2 from the user terminal 30. When the display request reception unit 101 is implemented on the user terminal 30, the display request reception unit 101 may receive the display request by receiving an operation for the display request at the operation unit 34.

[0049] In this embodiment, as a function related to the payment service, the display request reception unit 101 receives a display request for the selection screen SC2 for the user to select a charge source setting function used for charging in the payment service. In the example of FIG. 2, a panel P20 for selecting the charge source setting function is displayed on the selection screen SC2. The user can use the charge source setting function by selecting the panel P20. The charge source setting function may also be available by selecting an image or text other than the panel P20. The selection screen SC2 only needs to receive an operation for the user to use the charge source setting function.

[0050] [Status Information Acquisition Unit] When the display request for the selection screen SC2 is received, the status information acquisition unit 102 acquires status information regarding the status of the user's identity verification. In the present embodiment, since the status information is stored in the user database DB, the status information acquisition unit 102 acquires the status information from the user database DB. The status information may be stored in another database other than the user database DB. In this case, the status information acquisition unit 102 acquires the status information from the other database. The status information may be stored in another computer or an external information storage medium other than the settlement server 10. In this case, the status information acquisition unit 102 acquires the status information from the other computer or the external information storage medium.

[0051] In the present embodiment, based on the user database DB in which the terminal identification information capable of identifying each of the plurality of user terminals 30 is associated with the status information of the identity verification performed from the user terminal 30, the status information acquisition unit 102 acquires the status information associated with the terminal identification information of the user terminal 30 that transmitted the display request for the selection screen SC2. For example, it is assumed that the display request for the selection screen SC2 includes the terminal identification information. The terminal identification information may be separate data from the display request for the selection screen SC2. The settlement server 10 acquires the terminal identification information from the user terminal 30. The status information acquisition unit 102 acquires the status information associated with the terminal identification information included in the display request from the user database DB. In the present embodiment, since the terminal ID corresponds to the terminal identification information, the status information acquisition unit 102 acquires the status information associated with the terminal ID included in the display request from the user database DB.

[0052] In this embodiment, the status information acquisition unit 102 acquires the status information associated with the user identification information of the user who transmitted the display request for the selection screen SC2, based on a user database DB in which user identification information capable of identifying each of a plurality of users and the status information of the identity verification of the user are associated. For example, it is assumed that the display request for the selection screen SC2 includes user identification information. The user identification information may be data separate from the display request for the selection screen SC2. The settlement server 10 acquires the user identification information from the user terminal 30. The status information acquisition unit 102 acquires the status information associated with the user identification information included in the display request for the selection screen SC2 from the user database DB. For example, when the user ID corresponds to the user identification information, the status information acquisition unit 102 acquires the status information associated with the user ID included in the display request for the selection screen SC2 from the user database DB. As described above, other information such as a code ID may correspond to the user identification information.

[0053] In this embodiment, taking the case where the charge source setting function corresponds to a function related to the settlement service as an example, when the display request for the selection screen SC2 is received, the status information acquisition unit 102 acquires the status information of the identity verification for setting the charge source. Since the charge source setting function for the user to set an account of another bank as the charge source requires the completion of identity verification as a usage condition, the status information acquisition unit 102 acquires the status information of the identity verification that satisfies the usage condition. The settlement server 10 permits the use of the charge source setting function for the user to set an account of another bank as the charge source, on the condition that the status information indicates the completion of identity verification.

[0054] [Display control unit] The display control unit 103 causes the selection screen SC2 to display the status of the identity verification based on the status information. For example, the display control unit 103 generates display data for the entire selection screen SC2 indicating the status of the identity verification, and transmits the display data to the user terminal 30, thereby causing the selection screen SC2 to display the status of the identity verification. The display data is data necessary for display on the user terminal 30. The display data may be in any format. For example, the display data may be data in a markup language format such as HTML, data in an image format such as JPEG, data in a text format, or data in other formats. The display control unit 103 may transmit to the user terminal 30 not the entire selection screen SC2 but only the display data for the portion of the status of the identity verification. It is assumed that the data necessary for generating the display data is stored in advance in the data storage unit 100.

[0055] In the present embodiment, the display control unit 103 causes the selection screen SC2 to display a message indicating the status of the identity verification. The message can also be a text or a character string. The display control unit 103 may display the status of the identity verification by a display method other than the display of the message. For example, the display control unit 103 may cause an icon indicating the status of the identity verification to be displayed on the selection screen SC2. The display control unit 103 may use an image other than the icon to display the status of the identity verification on the selection screen SC2. For example, the display control unit 103 may use a window, a popup, a modal, or a banner to display the status of the identity verification on the selection screen SC2. The display method of the status of the identity verification may be various methods used for displaying any information.

[0056] For example, when the status information indicates that the personal authentication has been completed, the display control unit 103 causes the selection screen SC2 to display that the personal authentication has been completed as the status of the personal authentication. In the present embodiment, since the status information being the second value corresponds to the completion of the personal authentication, the display control unit 103 causes the selection screen SC2 to display a message and an icon indicating that the personal authentication has been completed when the status information is the second value. In the example of the selection screen SC2 in the lower left of FIG. 3 and the selection screen SC2 in the lower left of FIG. 4, the display control unit 103 displays a message and an icon indicating that the personal authentication has been completed in the lowermost panel P20.

[0057] In the example of the selection screen SC2 in the upper left of FIG. 4, the display control unit 103 displays a message and an icon indicating that the personal authentication has been completed in each of the uppermost panel P20 and the lowermost panel P20. In the example of the selection screen SC2 in the upper right of FIG. 4, the display control unit 103 displays a message and an icon indicating that the personal authentication has been completed in each of the second panel P20 from the top and the lowermost panel P20. The display control unit 103 may cause the selection screen SC2 to display that the personal authentication has been completed by using a display method other than the message and the icon. Examples of other display methods are as described above.

[0058] For example, when the user selects a function related to the payment service on the selection screen SC2 where the status of the personal authentication is displayed, the display control unit 103 enables the transition to the next screen according to the status of the personal authentication. The selection of the function is an operation on the selection screen SC2. In the examples of FIGS. 2 to 4, the selection of the panel P20 corresponds to the selection of the function. The selection of the function may be performed by an operation other than the selection of the panel P20 (for example, the selection of a button or a message). The selection of the function may be performed by an arbitrary operation.

[0059] In this embodiment, taking the case where the charging source setting function corresponds to a function related to the payment service as an example, when the user selects the panel P20 to select the charging source setting function, the display control unit 103 enables the transition to the next screen according to the status of the identity verification. The next screen is the destination screen. The transition of the screen means displaying another screen. In other words, the transition of the screen means proceeding to the next screen. There may be still another screen between the source screen and the destination screen. When the user selects a link to another screen, the display control unit 103 includes the link in the selection screen SC2 so that the other screen can be displayed, enabling the transition to the other screen.

[0060] In this embodiment, it is assumed that screen transition data indicating the relationship between the status of the identity verification and the next screen to be the transition destination is stored in advance in the data storage unit 100. The screen transition data may be in any format. For example, the screen transition data may be in a mathematical formula format, a table format, a part of a program, a machine learning model, or other formats. The display control unit 103 identifies the next screen associated with the status of the identity verification based on the screen transition data. The display control unit 103 causes the selection screen SC2 including a link to the identified next screen to be displayed on the user terminal 30.

[0061] In the example in the upper right of FIG. 2, when the status information indicates that the identity verification has not been completed and the user selects a function related to the payment service on the selection screen SC2, the display control unit 103 enables transition to the identity verification screen SC3 for the user to perform identity verification as the next screen. In this case, the display control unit 103 enables transition to the identity verification screen SC3 as the next screen by causing the selection screen SC2 including a link to the identity verification screen SC3 to be displayed on the user terminal 30. For example, the screen transition data shows the relationship between the status indicating that the identity verification has not been completed and the link to the identity verification screen SC3. In the example in the upper right of FIG. 2, the display control unit 103 enables transition to the identity verification screen SC3 by setting the link to the identity verification screen SC3 in the bottommost panel P20 based on these relationships.

[0062] In the example in the lower left of FIG. 3, when the status information indicates that the identity verification has been completed and the user selects a function related to the payment service on the selection screen SC2, the display control unit 103 enables transition to the next screen for the user to use the function. In the present embodiment, taking the case where the charge source setting function corresponds to a function related to the payment service as an example, the display control unit 103 enables transition to the charge screen SC5 or another screen (for example, the account information input screen SC4) as the next screen by causing the selection screen SC2 including a link to the charge screen SC5 or another screen to be displayed on the user terminal 30. For example, the screen transition data shows the relationship between the status indicating that the identity verification has been completed and the link to the charge screen SC5 or another screen. In the example in the lower left of FIG. 3, the display control unit 103 enables transition to the charge screen SC5 or another screen by setting the link to the charge screen SC5 or another screen in the bottommost panel P20 based on these relationships.

[0063] In this embodiment, the settlement service has a function that requires identity verification and a function that does not require identity verification. The function that requires identity verification is a function that the user cannot use unless identity verification is completed. In other words, the function that requires identity verification is a function for which the completion of identity verification is a condition for use. In the examples of FIGS. 2 to 4, the recharge source setting function for setting an account of another bank as the recharge source corresponds to the function that requires identity verification.

[0064] The function that does not require identity verification is a function that the user can use even if identity verification is not completed. In other words, the function that does not require identity verification is a function for which the completion of identity verification is not a condition for use. In the examples of FIGS. 2 to 4, the recharge source setting function for setting a credit card as the recharge source corresponds to the function that does not require identity verification. The recharge source setting function for setting an account of a specific bank (in the examples of FIGS. 2 to 4, the account of "AAA Bank") as the recharge source also corresponds to the function that does not require identity verification.

[0065] In this embodiment, the display control unit 103 causes a selection screen SC2 on which the user can select each of the function that requires identity verification and the function that does not require identity verification to display the status of identity verification in association with the function that requires identity verification. Associating the function that requires identity verification with the status of identity verification means that the status of identity verification is arranged within or near the image for selecting the function. In the examples of FIGS. 2 to 4, arranging the status of identity verification within the panel P20 for selecting the function that requires identity verification corresponds to associating the function with the status of identity verification. The display control unit 103 does not associate the status of identity verification with the function that does not require identity verification. The display control unit 103 does not arrange the status of identity verification within the panel P20 for selecting the function that does not require identity verification.

[0066] In this embodiment, the charge source setting function for setting an account of another bank as the charge source cannot be completed only within the settlement service, and cooperation between the settlement service and an external service is required. For this reason, the display control unit 103 causes the selection screen SC2 for the user to select a function realized by the cooperation between the settlement service and the external service to display the status of the identity verification. For example, the account information of an account of another bank is managed by the cooperation server 20. When the user instructs a charge with an account of another bank as the charge source, the settlement server 10 transmits a cooperation ID to the cooperation server 20. The cooperation server 20 executes a process of reducing the balance of the account of another bank by an amount corresponding to the charge amount based on the account information associated with the cooperation ID. The cooperation server 20 notifies the settlement server 10 of the result of the process. When the settlement server 10 receives a notification that the process has been successful from the cooperation server 20, the settlement server 10 executes a process of increasing the balance of the user's electronic money. These series of processes are executed by the cooperation between the settlement server 10 and the cooperation server 20.

[0067] In this embodiment, since the terminal identification information and the status information are associated with each other in the user database DB, the display control unit 103 causes the selection screen SC2 of the user terminal 30 to display the status of the identity verification based on the status information associated with the terminal identification information of the user terminal 30 that has transmitted the display request. As described above, since the status information acquisition unit 102 acquires the status information associated with the terminal identification information, the display control unit 103 causes the selection screen SC2 of the user terminal 30 indicated by the terminal identification information to display the status of the identity verification based on the status information. In this embodiment, since the terminal ID corresponds to the terminal identification information, the display control unit 103 causes the selection screen SC2 of the user terminal 30 indicated by the terminal ID to display the status of the identity verification based on the status information associated with the terminal ID.

[0068] In this embodiment, since the user identification information and the status information are associated with each other in the user database DB, the display control unit 103 causes the selection screen SC2 of the user who has transmitted the display request to display the status based on the status information associated with the user identification information of the user. As described above, since the status information acquisition unit 102 acquires the status information associated with the user identification information, the display control unit 103 causes the selection screen SC2 of the user indicated by the user identification information to display the status of identity verification based on the status information. The selection screen SC2 of the user indicated by the user identification information is the selection screen SC2 displayed on the user terminal 30 on which the user is logged in. In this embodiment, since the user ID corresponds to the user identification information, the display control unit 103 causes the selection screen SC2 of the user indicated by the user ID to display the status of identity verification based on the status information associated with the user ID.

[0069] In this embodiment, taking the case where the charge source setting function corresponds to a function related to the payment service as an example, the display control unit 103 causes the selection screen SC2 to display the status of identity verification for setting the charge source. That is, the display control unit 103 causes the selection screen SC2 to display the status of identity verification that is a condition for the user to set the charge source. The display control unit 103 displays the status of identity verification before transitioning to the identity verification screen SC3 or the charge screen SC5, which is the screen next to the selection screen SC2.

[0070] [3-2. Functions Implemented by the Cooperation Server] For example, the cooperation server 20 includes a data storage unit 200 and a cooperation unit 201. The data storage unit 200 is realized by the storage unit 22. The cooperation unit 201 is realized by the control unit 21.

[0071] [Data Storage Unit] The data storage unit 200 stores data necessary for external services. For example, the data storage unit 200 stores a database in which various types of information managed by external services are stored. In the present embodiment, since accounts of other banks are managed by external services, various types of information regarding accounts of other banks are stored in the database. For example, information such as the name or code of a financial institution of another bank, the name or code of a branch of another bank, account type, account number, and account holder is stored in the database.

[0072] For example, the data storage unit 200 stores a database in which each of a plurality of cooperation IDs is associated with account information of an account of another bank registered by a user corresponding to the cooperation ID. In the present embodiment, since a user can associate only one account with one cooperation ID, the account information associated with one cooperation ID is only one. When a user can associate a plurality of accounts with one cooperation ID, the account information associated with one cooperation ID may be plural. When a user completes identity verification in a payment service and performs an operation for registering an account, the cooperation server 20 issues a cooperation ID and stores the account information of the account input by the user in the database.

[0073] Note that the data storage unit 200 may store data according to external services. For example, the data storage unit 200 may store various types of information regarding users who use external services. When an independent payment service is provided by an external service, the data storage unit 200 may store data for a user to execute payment in the external service. For example, when identity verification is executed on the external service side, the data storage unit 200 may store status information indicating the status of identity verification executed on the external service side.

[0074] [Cooperation Unit] The cooperation unit 201 cooperates with the payment service based on the data stored in the data storage unit 200. In this embodiment, since the payment using an account of another bank is realized by an external service, the cooperation unit 201 cooperates with the payment service by executing a payment using an account of another bank (for example, a process of reducing the amount corresponding to the recharge amount from the account balance). For example, when the cooperation unit 201 receives a recharge request using an account of another bank from the payment server 10, it executes a payment for recharge based on the account information of the account stored in the data storage unit 200.

[0075] For example, the cooperation server 20 can cooperate with at least one of the servers of various financial institutions and the server that generalizes various financial institutions. The process for the cooperation server 20 to cooperate with these servers to execute a payment using an account of another bank may be a known process. For example, the cooperation server 20 executes a process adopted as a known online banking process to execute a payment using an account of another bank. When the cooperation unit 201 executes a payment, it transmits the execution result of the payment to the payment server 10. When the payment server 10 receives the execution result of the payment, it increases the balance of the electronic money to be recharged. Each of the payment executed on the external service side and the recharge executed on the payment service side may be a known process.

[0076] [3-3. Functions Realized by the User Terminal] For example, the user terminal 30 includes a data storage unit 300, an operation reception unit 301, and a display control unit 302. The data storage unit 300 is realized by the storage unit 32. The operation reception unit 301 and the display control unit 302 are realized by the control unit 31.

[0077] [Data Storage Unit] The data storage unit 300 stores the data necessary for the user to use the payment service. For example, the data storage unit 300 stores a payment application. When the user uses the payment service from a browser instead of a payment application, the data storage unit 300 stores the browser.

[0078] [Operation Reception Unit] The operation reception unit 301 receives various operations of the user. For example, the operation reception unit 301 receives operations on the payment application. The operation reception unit 301 transmits data indicating the content of the user's operation to the payment server 10.

[0079] [Display Control Unit] The display control unit 302 causes various screens to be displayed on the display unit 35. For example, the display control unit 302 causes the top screen SC1, the selection screen SC2, the identity confirmation screen SC3, the account information input screen SC4, and the recharge screen SC5 to be displayed on the display unit 35. The display control unit 302 communicates with the payment server 10, the cooperation server 20, or other computers, receives data necessary for the display of these screens, and causes these screens to be displayed on the display unit 35.

[0080] [4. Processes Executed in the Payment System] FIG. 7 is a diagram showing an example of a process executed in the payment system 1. The control units 11, 21, 31 execute the programs stored in the storage units 12, 22, 32, respectively, whereby the process of FIG. 7 is executed. In FIG. 7, the process when the user selects the button B12 on the top screen SC1 will be described.

[0081] As shown in FIG. 7, when the user selects the button B12, the user terminal 30 transmits a display request for the selection screen SC2 to the payment server 10 (S1). The payment server 10 receives the display request for the selection screen SC2 from the user terminal 30 (S2). The payment server 10 acquires status information associated with the user ID of the logged-in user and the terminal ID of the user terminal 30 that transmitted the display request for the selection screen based on the user database DB (S3).

[0082] The settlement server 10 executes a process for causing the selection screen SC2 to display the identity verification status based on the status information acquired in S3 between the settlement server 10 and the user terminal 30 (S4). In S4, when the status information indicates that the identity verification has not been completed, the settlement server 10 generates display data of the selection screen SC2 including a message indicating that the identity verification has not been completed. When the status information indicates that the identity verification has been completed, the settlement server 10 generates display data of the selection screen SC2 including a message indicating that the identity verification has been completed. The settlement server 10 transmits the display data of the selection screen SC2 to the user terminal 30. The user terminal 30 causes the selection screen SC2 to be displayed on the display unit 35 based on the display data.

[0083] Hereinafter, the process when the user performs an operation to register an account of another bank while the identity verification has not been completed will be described. In the example of the selection screen SC2 in the upper right of FIG. 2, the selection of the lowermost panel P20 corresponds to an operation for the user to register an account of another bank. When it is not determined that the user has performed an operation to register an account of another bank, a process corresponding to another operation performed by the user is executed.

[0084] The user terminal 30 transmits a display request for the next screen of the selection screen SC2 to the settlement server 10 (S5). The display request for the next screen is a request to transition to the link destination included in the panel P20 selected by the user. Here, the identity verification screen SC3 corresponds to the next screen. The settlement server 10 receives the display request for the next screen from the user terminal 30 (S6). The settlement server 10 executes a process for identity verification (S7). In S7, the settlement server 10 redirects the user terminal 30 to another server that performs identity verification. The user terminal 30 performs identity verification in the same manner as a known process. The settlement server 10 acquires the execution result of the identity verification from another server or the user terminal 30.

[0085] When the personal confirmation is completed, the settlement server 10 updates the status information stored in the user database DB (S8). In S8, the settlement server 10 updates the status information associated with the user ID of the logged-in user and the terminal ID of the user terminal 30 that sent the display request for the selection screen to indicate that the personal confirmation has been completed. The settlement server 10 executes a process for registering an account of another bank between the cooperation server 20 and the user terminal 30 (S9). In S9, the settlement server 10 causes the user terminal 30 to display the account information input screen SC4. The settlement server 10 acquires the account information input by the user from the user terminal 30. The settlement server 10 transmits the account information to the cooperation server 20. The cooperation server 20 issues a cooperation ID and manages it in association with the account information. The settlement server 10 acquires the cooperation ID from the cooperation server 20 and stores it in the user database DB. In S9, authentication regarding an account of another bank (for example, password authentication or biometric authentication) may be executed.

[0086] The settlement server 10 sets an account of another bank as the charge source (S10). In S10, the settlement server 10 updates the charge source information so that the charge source information stored in the user database DB indicates an account of another bank. When the user instructs the execution of a charge, the settlement server 10 executes a process for charging with an account of another bank as the charge source between the cooperation server 20 and the user terminal 30 (S11), and this process ends. In S11, the settlement server 10 receives information such as the charge amount instructed by the user from the user terminal 30. The settlement server 10 transmits a charge request corresponding to the information to the cooperation server 20. The cooperation server 20 executes a process of reducing an amount corresponding to the charge amount from the balance of the account of another bank. The settlement server 10 receives the execution result of the process from the cooperation server 20 and executes a process of increasing the balance of the electronic money.

[0087] [Summary of the Embodiment] The settlement system 1 of this embodiment receives a display request for the selection screen SC2. When the display request is received, the settlement system 1 acquires status information. Based on the status information, the settlement system 1 causes the status to be displayed on the selection screen SC2. As a result, the user can grasp the status of identity verification before selecting functions related to the settlement service on the selection screen SC2, so that the settlement system 1 can improve the convenience for the user. For example, when the user is considering using functions related to the settlement service, the user can easily grasp the status of identity verification. For example, in the prior art, the status of identity verification is displayed after the user selects a function related to the settlement service. In the prior art, the user cannot grasp the status of identity verification before selecting a function related to the settlement service. If the user needs to complete identity verification to use the function, the user cannot grasp whether the function can be used before selecting the function. Therefore, in the prior art, status information is acquired on the premise that the user uses the function. In contrast, the settlement system 1 of this embodiment can lower the psychological hurdle for the user to use the function by displaying the status of identity verification on the selection screen SC2 for selecting the function whether the user uses the function or not. That is, the settlement system 1 can motivate the user to use the function.

[0088] In addition, when the status information indicates that the identity verification has been completed, the payment system 1 causes the selection screen SC2 to display that the identity verification has been completed as the status of the identity verification. As a result, the user can grasp that the identity verification has been completed before selecting a function related to the payment service on the selection screen SC2. Therefore, the payment system 1 can improve the convenience for the user. For example, since the user can grasp that the function can be used immediately after selecting the function, rather than before selecting the function, the psychological hurdle for using the function can be lowered. That is, the payment system 1 can motivate the user to use the function. For example, when the function related to the payment service is the recharge source setting function, the user can grasp in advance that the identity verification required for using the recharge source setting function has been completed. Therefore, the payment system 1 can motivate the user to start using the recharge source setting function.

[0089] In addition, when the user selects a function related to the payment service on the selection screen SC2 where the status of the identity verification is displayed, the payment system 1 enables transition to the next screen according to the status. As a result, the payment system 1 can distribute the next screen according to the status of the identity verification, so that the convenience for the user can be further improved.

[0090] In addition, when the status information indicates that the identity verification has been completed and the user selects a function related to the payment service on the selection screen SC2, the payment system 1 enables transition to the next screen for the user to use the function. As a result, a user who has completed the identity verification can use a function related to the payment service on the screen next to the selection screen SC2. Therefore, the payment system 1 can allow the user to use the function without requiring the user to perform unnecessary operations and screen displays.

[0091] In addition, the payment system 1 displays the status of identity verification on the selection screen SC2 where the user can select each of the functions that require identity verification and the functions that do not require identity verification, in association with the functions that require identity verification. As a result, the user can easily grasp which functions require identity verification and the status of identity verification required for using such functions. For example, since the status of identity verification is not associated with the functions that do not require identity verification, the user can easily grasp which functions do not require identity verification.

[0092] Also, the payment system 1 displays the status of identity verification on the selection screen SC2 for the user to select the functions realized by the cooperation of the payment service and the external service. As a result, the user can grasp the status of identity verification before selecting the functions realized by the cooperation of the payment service and the external service, so the payment system 1 can enhance the convenience for the user. For example, the payment system 1 can lower the psychological hurdle for the user to use such functions. That is, the payment system 1 can motivate the user to use such functions.

[0093] Furthermore, the payment system 1 displays the status of identity verification on the selection screen SC2 of the user terminal 30 based on the status information associated with the terminal identification information of the user terminal 30 that sent the display request. As a result, the user can grasp the status of identity verification from the user terminal 30 being operated, so the payment system 1 can enhance the convenience for the user. For example, even if a malicious third party logs in to the payment service pretending to be a legitimate user, the third party cannot succeed in identity verification from the terminal. Therefore, the payment system 1 can prevent unauthorized use of the payment service and enhance security.

[0094] In addition, based on the status information associated with the user identification information of the user who sent the display request, the payment system 1 causes the user's selection screen SC2 to display the status of identity verification. As a result, the user can grasp the status of their own identity verification, so that the payment system 1 can further improve the convenience for the user. For example, even if a malicious third party steals the user terminal 30 of a legitimate user and logs in to the payment service with their own user ID, they cannot use the functions related to the payment service unless they log in with the legitimate user's user ID. Therefore, the payment system 1 can prevent unauthorized use of the payment service and enhance security.

[0095] In addition, the function related to the payment service is the recharge source setting function. Thereby, the payment system 1 can improve the convenience for the user who uses the recharge source setting function.

[0096] [6. Modification Example] The present disclosure is not limited to the embodiments described above. The present disclosure can be appropriately changed without departing from the gist of the present disclosure.

[0097] FIG. 8 is a diagram showing an example of a function realized in the modification example. For example, the payment server 10 includes a determination unit 104, an update unit 105, an authentication request unit 106, a payment permission unit 107, and an estimation unit 108. Each of the determination unit 104, the update unit 105, the authentication request unit 106, the payment permission unit 107, and the estimation unit 108 is realized by the control unit 11.

[0098] [6-1. Modification Example 1] For example, the payment service may have a plurality of functions that require identity verification. In Modification 1, as two of the plurality of functions that require identity verification, the charging source setting function described in the embodiment and the payment source setting function related to the setting of the payment source are taken as examples. In Modification 1, it is assumed that an account of another bank can be set as the payment source. However, it is assumed that the user needs to complete identity verification in order to set an account of another bank as the payment source. Further, it is assumed that the user does not need to separately perform identity verification for the charging source setting function and identity verification for the payment source setting function. The user can use both the charging source setting function and the payment source setting function with a single identity verification.

[0099] FIG. 9 is a diagram showing an example of a screen displayed on the user terminal 30 in Modification 1. For example, in the state shown in the upper left of FIG. 9, when the user selects the button B11 on the top screen SC1, as shown in the upper right of FIG. 9, the display control unit 103 causes the user terminal 30 to display a selection screen SC6 for selecting the payment source. The selection screen SC6 is different from the selection screen SC2 in the lower right of FIG. 9 in the sense of being a screen for receiving the selection of the payment source, but is the same as the selection screen SC2 in the sense of being a screen for selecting a function in the payment service. The user can select the payment source by selecting the panel P60. The display control unit 103 displays the status of identity verification on each of the selection screens SC2 and SC6 for the plurality of functions. The display of the selection screen SC2 in the lower right of FIG. 9 is as described in the embodiment.

[0100] For example, the display control unit 103 identifies the payment means that the user can select as the payment source based on the payment means information stored in the user database DB. The display control unit 103 generates display data for the entire selection screen SC6 indicating the status of identity verification based on the identification result of the payment means and the status information, and transmits the display data to the user terminal 30 to display the status of identity verification on the selection screen SC6. The display control unit 103 may transmit to the user terminal 30 not the entire selection screen SC6 but only the display data for the part of the status of identity verification.

[0101] In the example in the upper right of FIG. 9, the display control unit 103 causes the bottommost panel P60 to display a message indicating that the personal authentication has not been completed. When the personal authentication is completed, the display control unit 103 causes the panel P60 for setting an account in another row as the payment source to display a message indicating that the personal authentication has been completed. The process for the display control unit 103 to display the status of personal authentication on the payment source selection screen SC6 may be the same as the process for displaying the status of personal authentication on the charge source selection screen SC2. The details of this process are as described in the embodiment.

[0102] Note that, although the case where the selection screens SC2 and SC6 for each of the plurality of functions are separate from each other has been taken as an example, the selection screens for each of the plurality of functions may be the same screen. For example, the display control unit 103 may cause the user terminal 30 to display one selection screen on which both the charge source setting function and the payment source setting function can be selected. Also, the plurality of functions are not limited to the charge source setting function and the payment source setting function. For example, among the plurality of functions, a service usage function to be described later may be included, or other functions may be included.

[0103] The settlement system 1 of Modification 1 displays the status of personal authentication on the selection screens SC2 and SC6 for each of the plurality of functions for which personal authentication is required. Thereby, since the user can grasp the status of personal authentication before selecting each of the plurality of functions, the settlement system 1 can improve the convenience for the user.

[0104] [6-2. Modification 2] For example, as in Modification 1, when the status of identity verification is displayed on each of the selection screens SC2 and SC6 for a plurality of functions, the user may be able to transition from any of the selection screens SC2 and SC6 to the identity verification screen SC3. The display control unit 103 of Modification 2 indicates that identity verification has not been completed in the status information, and when the user selects an arbitrary function among the plurality of functions, the user can transition to the identity verification screen SC3 for performing identity verification. The process when transitioning from the lower-right selection screen SC2 in FIG. 9 to the identity verification screen SC3 is as described in the embodiment with reference to FIG. 2.

[0105] For example, the display control unit 103 indicates that identity verification has not been completed in the status information, and when the user selects a function related to the payment service on the selection screen SC6, as the next screen, the user can be made to transition to the identity verification screen SC3 for performing identity verification. In this case, the display control unit 103 causes the user terminal 30 to display the selection screen SC6 including a link to the identity verification screen SC3, thereby enabling the transition to the identity verification screen SC3 as the next screen. Similarly, when other functions other than the charge source setting function and the payment source setting function are prepared as the plurality of functions for which identity verification is required, the display control unit 103 may cause the user terminal 30 to display the selection screen SC6 including a link to the identity verification screen SC3 when the status information indicates that identity verification has not been completed.

[0106] The payment system 1 of Modification 2 indicates that identity verification has not been completed in the status information, and when the user selects an arbitrary function among the plurality of functions, the user can transition to the identity verification screen SC3 for performing identity verification. Thereby, no matter which of the plurality of functions the user selects, the user can directly perform the identity verification procedure, so that the payment system 1 can improve the convenience for the user.

[0107] [6-3. Modification 3] For example, in Modification 2, when the user selects the charging source setting function from the selection screen SC2 and completes the identity verification, the fact that the identity verification has been completed may also be reflected in the identity verification status displayed on the selection screen SC6. That is, when the user completes the identity verification from the identity verification screen SC3, the display control unit 103 causes the selection screen SC6 of another function (here, the payment source setting function) other than the function selected by the user (here, the charging source setting function) among the plurality of functions to display that the identity verification has been completed as the identity verification status. The status information is updated to indicate that the identity verification has been completed by the identity verification performed when the user transitions from the selection screen SC2 to the identity verification screen SC3. Therefore, the display control unit 103 can display the identity verification status on the selection screen SC6 of the payment source setting function not selected by the user by displaying the selection screen SC6 based on the updated status information.

[0108] Conversely, when the user selects the payment source setting function from the selection screen SC6 and completes the identity verification, the fact that the identity verification has been completed may also be reflected in the identity verification status displayed on the selection screen SC2. That is, when the user completes the identity verification from the identity verification screen SC3, the display control unit 103 causes the selection screen SC2 of another function (here, the charging source setting function) other than the function selected by the user (here, the payment source setting function) among the plurality of functions to display that the identity verification has been completed as the identity verification status. Since the status information is updated to indicate that the identity verification has been completed by the identity verification performed when the user transitions from the selection screen SC6 to the identity verification screen SC3, the display control unit 103 can display the identity verification status on the selection screen SC2 of the charging source setting function not selected by the user by displaying the selection screen SC2 based on the updated status information.

[0109] Note that the functions related to the payment service are not limited to the charge source setting function and the payment source setting function. For example, when an upper limit of the usage amount in payment is set, a raise function for raising the upper limit amount of the usage amount may correspond to a function related to the payment service. In this case, since the status information indicating the application and update result of the identity verification is aggregated in the same user database DB, when the user selects the raise function and performs identity verification in a state where the identity verification is not completed, the display control unit 103 may display the updated status on the selection screen SC2 of the charge source setting function. Additionally, for example, a function for the user to use electronic money that can be withdrawn may also correspond to a function related to the payment service. For this function as well, identity verification may be required.

[0110] In the payment system 1 of Modification Example 3, when the user completes the identity verification from the identity verification screen SC3, among the plurality of functions, on the selection screens SC2 and SC6 of the functions other than the function selected by the user, the fact that the identity verification has been completed is displayed as the status. Thereby, since the user only needs to select an arbitrary function among the plurality of functions and complete the identity verification, the payment system 1 can improve the convenience of the user. Further, since the result of the identity verification is also reflected in the other functions that the user did not select during the identity verification, the user can check the latest status on the selection screens SC2 and SC6 of the other functions.

[0111] [6-4. Modification Example 4] For example, if the user performs identity verification once, the identity verification may be permanently valid, but due to security reasons, re-identity verification may be required. The payment system 1 of Modification Example 4 includes a determination unit 104 and an update unit 105. The determination unit 104 determines whether re-identity verification is necessary when the user's identity verification is completed. The determination unit 104 determines whether re-identity verification is necessary by determining whether a predetermined condition is satisfied.

[0112] The predetermined conditions are conditions that require re-authentication. The predetermined conditions may be conditions that can be determined based on information about the user, or may be conditions that are not determined particularly based on information about the user. For example, the predetermined conditions may be that a predetermined period has elapsed since the execution of the authentication, the user's surname has been changed, the user's address has been changed, or other conditions. The predetermined period may vary depending on the reliability of the user in the payment service. The determination unit 104 may determine whether the user's surname or address has been changed based on the information registered in the payment service, or may determine whether the user's surname or address has been changed based on the information registered in another service other than the payment service.

[0113] The update unit 105 updates the status information so that the status information indicates that re-authentication is necessary based on the determination result of the determination unit 104. For example, when it is determined by the determination unit 104 that re-authentication is not necessary, the update unit 105 does not update the status information, and when it is determined by the determination unit 104 that re-authentication is necessary, the update unit 105 updates the status information. In the same example as the embodiment, when it is determined by the determination unit 104 that re-authentication is necessary, the update unit 105 updates the status information so as to be changed from the second value to the first value.

[0114] When the status information is updated, the display control unit 103 of Modification Example 4 causes the selection screen SC2 to display that re-authentication is necessary as the authentication status based on the updated status information. In Modification Example 4, an example is given in which the display that re-authentication is necessary is the same as the display when the user has not yet performed authentication once, but these displays may be different from each other. In this case, it is assumed that the value of the status information when the user has not performed authentication once is different from the value of the status information when re-authentication is necessary. The display control unit 103 may identify which state it is based on the value indicated by the status information and perform corresponding display. The process of re-authentication may be the same as the flow of the first authentication.

[0115] When the user's identity verification is completed, the payment system 1 of Modification Example 4 determines whether re-identity verification is necessary. Based on this determination result, the payment system 1 updates the status information so that the status information indicates that re-identity verification is necessary. When the status information is updated, the payment system 1 causes the selection screen SC2 to display that re-identity verification is necessary as the status of identity verification based on the updated status information. As a result, the user can grasp that re-identity verification is necessary before selecting functions such as the charge source setting function, so the payment system 1 can further improve the convenience of the user. The payment system 1 can enhance security by requesting the user to perform re-identity verification.

[0116] [6-5. Modification Example 5] For example, the display request reception unit 101 may receive a display request for a selection screen SC6 for the user to select a payment source setting function related to the setting of the payment source used in the payment in the payment service as a function related to the payment service. The selection screen SC6 of the payment source setting function is as described in Modification Example 1. In Modification Example 1, the case where both the charge source setting function and the payment source setting function are realized was taken as an example, but in Modification Example 5, the charge source setting function may not be realized. That is, the payment service of Modification Example 5 may correspond only to the payment source setting function. When the user performs an operation to change the payment source, the payment server 10 updates the payment source information stored in the user database DB.

[0117] When the status information acquisition unit 102 of Modification Example 5 receives a display request, it acquires status information for identity verification for setting the payment source. Although the status information is different from that of the embodiment in that it indicates the status of identity verification for the payment source setting function, the process by which the status information acquisition unit 102 acquires the status information may be the same as that of the embodiment. The display control unit 103 of Modification Example 5 causes the selection screen SC6 to display the status of identity verification for setting the payment source. Although the selection screen SC6 on which the status of identity verification is displayed is different from that of the embodiment in that it is a screen for selecting the payment source setting function, the process for display executed by the display control unit 103 may be the same as that of the embodiment.

[0118] The payment system 1 of Modification Example 5, as a function related to the payment service, receives a display request for the selection screen SC2 for the user to select the payment source setting function related to the setting of the payment source used in the payment in the payment service. When the display request is received, the payment system 1 acquires status information for identity verification for setting the payment source. The payment system 1 causes the selection screen SC2 to display the status of identity verification for setting the payment source. Thereby, the payment system 1 can improve the convenience of the user who uses the payment source setting function.

[0119] [6-6. Modification Example 6] For example, as in Modification Example 5, when an account of another bank is set as the payment source, authentication may be required of the user every time a payment is made. In Modification Example 6, a case where authentication is required at the time of payment in a state where the identity verification of the payment source that requires identity verification is completed is taken as an example. The payment system 1 of Modification Example 6 includes an authentication request unit 106 and a payment permission unit 107. The authentication request unit 106 requests the user to authenticate for the payment when a payment based on a payment source for which identity verification is required is made. In Modification Example 6, as an example of a payment source for which identity verification is required, an account of another bank is described. The payment source for which identity verification is required may be another payment means other than an account of another bank. Data that can identify which payment means is the payment source for which identity verification is required is assumed to be stored in advance in the data storage unit 100.

[0120] For example, the authentication request unit 106 determines whether an account of another bank is set as the payer based on the payer information. In Modification 6, the authentication request unit 106 determines whether an account of another bank is set as the payer based on the payer information when the user performs an operation for displaying the code C10. The authentication request unit 106 may perform this determination at other timings. For example, the authentication request unit 106 may perform this determination at the timing when the settlement application is launched, the timing when the code C10 is read, or other timings.

[0121] For example, when it is determined that an account of another bank is not set as the payer, the authentication request unit 106 does not request the user for a predetermined authentication, and when it is determined that an account of another bank is set as the payer, the authentication request unit 106 requests the user for a predetermined authentication. Requesting authentication means displaying a screen for authentication on the user terminal 30. The screen may be a screen for accepting input of authentication information (e.g., a password or a passcode) by the user, or a screen for activating the biometric authentication function of the user terminal 30. The authentication request unit 106 requests authentication by transmitting the display data of the screen to the user terminal 30. The authentication request unit 106 may request authentication without particularly displaying a screen. In this case, the authentication request unit 106 requests the user for authentication by transmitting data indicating that authentication is requested to the user terminal 30.

[0122] Note that the authentication required for the user may be any authentication. For example, the authentication request unit 106 may request the user for password authentication or biometric authentication. For another example, the predetermined authentication may be possession authentication using a card such as a cash card, password authentication, or other authentication. The process for authentication may be a known process. The information required for authentication (e.g., the correct authentication information) is assumed to be stored in the data storage unit 100. The authentication may be executed by the settlement server 10 or the user terminal 30, or may be executed by an authentication server.

[0123] When the authentication is successful, the payment permission unit 107 permits the payment. When the authentication fails, the payment permission unit 107 does not permit the payment. For example, when the authentication fails, the payment permission unit 107 does not permit the payment by not permitting the display of the code C10. When the authentication is successful, the payment permission unit 107 permits the payment by permitting the display of the code C10. Even when the payment is made by a method other than reading the code C10, the payment permission unit 107 may permit the payment according to the method. When the authentication is executed by the authentication server, the payment permission unit 107 may obtain the authentication execution result from the server. When the authentication is executed by the user terminal 30, the payment permission unit 107 may obtain the authentication execution result from the user terminal 30.

[0124] In addition, the authentication may be required at the time of payment in a state where the identity verification of the payer who requires identity verification has not been completed, or in a state where the identity verification has been completed but the validity period of the identity verification has expired and an update is required. In this case, the authentication request unit 106 first requests the user to perform authentication using a PIN or password at the time of payment. When the authentication is successful, the payment permission unit 107 permits the payment. The payment system 1 may perform identity verification after the payment. The payment system 1 may not permit subsequent payments if the identity verification after the payment is not performed.

[0125] When a payment based on a payer who requires identity verification is made, the payment system 1 of Modification Example 6 requests the user to authenticate for the payment. When the authentication is successful, the payment system 1 permits the payment. Thereby, the payment system 1 can enhance the security in payments. For example, when authentication is required at the time of payment in a state where the identity verification of the payer who requires identity verification has been completed, the payment system 1 can prevent unauthorized use in the event of loss of the user terminal 30 or leakage of the code C10 by combining the identity verification and the authentication. For example, when payment is permitted by authentication instead of identity verification, the payment system 1 can enhance the convenience of the user by once permitting the payment by authentication.

[0126] [6-7. Modification Example 7] For example, as described in the embodiment, the payment based on a payer who requires identity verification is provided by the cooperation of the payment service and the external service. In this case, not only the payment service but also the external service may require identity verification. The display control unit 103 of Modification Example 7 may display on the selection screen SC2, SC6 or another screen that the identity verification information related to the identity verification can be linked to the external service when the identity verification has been completed in the payment service. Assume that the user has completed the identity verification in the payment service but has not completed the identity verification on the external service side.

[0127] The identity verification information may be any information related to the identity verification. For example, the identity verification information may be information indicating whether the identity verification has been completed in the payment service. The identity verification information may be information uploaded in the identity verification of the payment service (for example, information such as an identity certificate or a personal number). The other screen on which it is displayed that the identity verification information can be linked to the external service may be any screen other than the selection screens SC2 and SC6, and may be, for example, a screen that is the transition destination of the selection screens SC2 and SC6.

[0128] For example, the display control unit 103 may display on the selection screens SC2 and SC6 that the user has completed identity verification, and on other screens after the user has transitioned from the selection screens SC2 and SC6, display that identity verification information in the payment service can be linked (for example, a message such as "Identity verification information in the payment service can be linked to an external service. Do you want to link?"). When the user selects to link the identity verification information, the identity verification information is linked from the payment service to the external service. In the external service, the user will be in a state where identity verification has been completed without having to upload identity verification documents, etc.

[0129] Conversely, for example, when the identity verification has been completed in the external service, the display control unit 103 may display on the selection screens SC2 and SC6 or other screens that identity verification information regarding identity verification can be linked to the payment service. In this case, assume that the user has completed identity verification in the external service but has not completed identity verification on the payment service side. When the user selects to link the identity verification information, the identity verification information is linked from the external service to the payment service. In the payment service, the user will be in a state where identity verification has been completed without having to upload identity verification documents, etc.

[0130] As described above, when identity verification has been completed in one of the payment service and the external service, the display control unit 103 may display on the selection screens SC2 and SC6 or other screens that identity verification information regarding identity verification can be linked to the other service that is different from the said one service. The said one service is the service in which identity verification has been completed among the payment service and the external service. The said other service is the service in which identity verification has not been completed among the payment service and the external service.

[0131] In addition, the display control unit 103 may display on the selection screens SC2, SC6 or other screens that payment based on a payment source for which identity verification is required is provided through cooperation with an external service. For example, the display control unit 103 may display a message such as "Payment based on an account of another bank is provided through cooperation with an external service" within the panel P20 of the selection screen SC6. The display control unit 103 may display a similar message on other screens. Assume that the data necessary for displaying the message is stored in the data storage unit 100. In addition to the message, the display control unit 103 may use an image such as an icon to display that payment based on a payment source for which identity verification is required is provided through cooperation with an external service.

[0132] When identity verification has been completed for one of the payment service and the external service in the payment system 1 of Modification Example 7, the selection screens SC2, SC6 or other screens are caused to display that identity verification information regarding identity verification can be linked with the other service different from the one service. As a result, since the user can link the identity verification information, it is not necessary to perform identity verification for both the payment service and the external service, and the payment system 1 can improve the convenience for the user.

[0133] [6-8. Modification Example 8] For example, as a function related to the payment service, the display request receiving unit 101 may receive a display request for a selection screen for the user to select a service usage function related to the use of available services that can be used from the payment service. In Modification 8, the case where apps for available services are prepared is taken as an example. Further, the case where the payment app is a super app and the apps for available services are mini apps is taken as an example. A super app is an app that manages a plurality of mini apps. A mini app is an app that is called from a super app. The app for the available service that the user can use with the service usage function may be a normal app that does not correspond to a mini app. The available service does not necessarily require an app to be used. The user may use the available service by other means such as a browser instead of an app. The mode in which the app is used is an example of the payment system 1 in Modification 8. This also applies to Modifications 9 and 10.

[0134] Note that the mini apps in Modification 8 include apps that operate based on the payment app as a super app, but also include those for transitioning to apps provided by the cooperation server 20 or other servers via the payment app. Further, the mini apps may also include those for transitioning to the screen display of a website, etc. via the payment app. In Modification 8, since the user uses the available service from the app, it can also be said that the user uses the app usage function as an example of the service usage function. The status information acquisition unit 102 in Modification 8 acquires the status information for the authentication of the user for the use of the available service when a display request is received. Although it is different from the embodiment in that the status information indicates the status of the authentication for the service usage function, the process by which the status information acquisition unit 102 acquires the status information may be the same as that in the embodiment.

[0135] FIG. 10 is a diagram showing an example of the selection screen SC7 of Modification 8. The top screen SC1 in the upper left of FIG. 10 is the same as the top screen SC1 in the upper left of FIG. 2. For example, the top screen SC1 includes an app list L13 showing a list of mini apps. When the user performs an operation to display all apps from the app list L13, a selection screen SC7 for the user to select an arbitrary app from all apps is displayed. The selection screen SC7 displays icons each indicating a plurality of apps. The user can select an app by selecting an icon. The display control unit 103 may display the status of identity verification in the app list L13 of the top screen SC1. That is, the selection screen in the present disclosure includes not only the selection screen SC7 but also the top screen SC1.

[0136] The display control unit 103 of Modification 8 displays the status of identity verification for the use of available services on the selection screen SC7. For example, based on the status information, the display control unit 103 associates and displays the status of identity verification with the apps of each of the plurality of available services that require identity verification. Associating a status with an app means displaying the status inside or near the icon for app selection. In the example in the upper right of FIG. 10, the status information indicates that identity verification has not been completed. The display control unit 103 associates and displays a speech bubble indicating that identity verification has not been completed with the apps that require identity verification (for example, the apps of "installment payment", "check-in", "coupon"). As described in the embodiment, the method of displaying the status may be an arbitrary method. The method of displaying the status is not limited to the display of an image such as a speech bubble.

[0137] In the example at the lower right of FIG. 10, the status information indicates that the identity verification has been completed. The display control unit 103 causes a balloon indicating that the identity verification has been completed to be displayed in association with an application for which identity verification is required (for example, applications such as "installment payment", "check-in", and "coupon"). For an application for which identity verification is not required, a balloon indicating other information than identity verification may be displayed. Note that data indicating applications for which identity verification is required is assumed to be stored in advance in the data storage unit 100. The display control unit 103 can identify which applications require identity verification by referring to the data.

[0138] The payment system 1 according to Modification Example 8, as a function related to the payment service, causes a selection screen SC7 for the user to select a service usage function regarding the use of available services available from the payment service to display the status of identity verification for the use of the available services. Thereby, the payment system 1 can improve the convenience of the user who uses the service usage function.

[0139] [6-9. Modification Example 9] For example, for the application of the available service in Modification Example 8, identity verification is required for the user to use the application. When the user completes the identity verification within an application of a certain available service, the application becomes available for use. As described in the embodiment, the user can also complete the identity verification from the payment application. When the user completes the identity verification from the payment application, the identity verification within the application may be omitted. That is, when the identity verification is completed from the payment service, it may be available without performing the identity verification from the application.

[0140] FIG. 11 is a diagram showing an example of the selection screen SC7 of Modification 9. In the example in the upper left of FIG. 11, the user has not yet completed the identity verification. In this case, the display control unit 103 causes the selection screen SC7 to display that the identity verification has not been completed. The process for displaying the selection screen SC7 in the upper left of FIG. 11 is as described in Modification 8. When the status information indicates that the identity verification has been completed from the payment service, the display control unit 103 of Modification 9 causes the selection screen SC7 to display that the available services can be used as the identity verification status even if the identity verification is not performed from the available services.

[0141] For example, as shown in the upper right of FIG. 11, the display control unit 103 causes the user terminal 30 to display the selection screen SC2 of the charge source setting function described in the embodiment. When the user completes the identity verification in the same procedure as in the embodiment, as shown in the lower left of FIG. 11, the display control unit 103 causes the user terminal 30 to display the identity verification screen SC3 indicating that the identity verification has been completed. After that, when the user performs an operation to display the selection screen SC7 of the service usage function, as shown in the lower right of FIG. 11, the display control unit 103, based on the status information, displays a message indicating that the application can be used even if the identity verification is not performed from the application in the balloon near the icon of each application on the selection screen SC7. The process for displaying the selection screen SC7 in the lower right of FIG. 11 is as described in Modification 8.

[0142] When the status information indicates that the identity verification has been completed from the payment service, the payment system 1 of Modification Example 9 causes the selection screen SC2 to display, as the status of the identity verification, that the available services can be used without performing the identity verification from the available services. Thereby, the user can grasp that the available services can be used without performing the identity verification before selecting the available services. Therefore, the payment system 1 can improve the convenience for the user. For example, the payment system 1 can lower the psychological hurdle for the user to use the available services. That is, the payment system 1 can give the user an incentive to use the available services.

[0143] [6-10. Modification Example 10] For example, among the available services of Modification Examples 8 and 9, there may be applications that the user is not interested in. Therefore, the payment system 1 may estimate the availability of the available services by the user and display the status of the identity verification based on the availability. For example, a user who has purchased an airline ticket or a user who has made a payment at a travel agency may be interested in the available service of accepting an application for travel insurance. Therefore, the status of the identity verification may be displayed on the application of the available service displayed on the selection screen SC7 of the service use function. The available service shall also require identity verification.

[0144] The settlement system 1 of Modification Example 10 includes an estimation unit 108. The estimation unit 108 estimates the availability for a user to use available services based on user information regarding the user. The user information may be any information regarding the user. For example, the user information may be demographic information, information regarding the usage history of settlement services, information regarding the usage history of other services, or other information. The availability may be a binary value indicating whether or not the user can use the available services, or may be the degree to which the user can use the available services. In Modification Example 10, the case where the availability is expressed numerically is taken as an example, but the availability may be expressed in other forms such as characters or symbols.

[0145] For example, the data storage unit 100 stores availability data indicating the relationship between user information and the availability of each available service. The availability data may be in any form. For example, the availability data may be in a mathematical formula form, a table form, a part of a program, a machine learning model, or other forms. The estimation unit 108 estimates the availability of each available service associated with the user information based on the availability data. For example, the estimation unit 108 estimates that a specific available service will be used when the attribute indicated by the user information is a predetermined attribute. The estimation unit 108 estimates that a specific available service will be used when the user performs a predetermined action in a settlement service or other service.

[0146] The display control unit 103 of Modification Example 10 causes the selection screen SC2 to display the status of identity verification for using the available services based on the status information and the availability. For example, the display control unit 103 does not display the status of identity verification for available services for which availability is not estimated among a plurality of available services, and displays the status of identity verification for available services for which availability is estimated.

[0147] The settlement system 1 of Modification Example 10 causes the selection screen SC2 to display the status of identity verification for using available services based on status information and availability. As a result, before the user selects an available service in which the user is interested, the user can grasp the status of identity verification for using the available service, so that the settlement system 1 can enhance the visibility of the user on the selection screen SC2. Furthermore, since the user can grasp the status of the available service in advance, the settlement system 1 can lower the psychological hurdle for the user to use the available service. That is, the settlement system 1 can motivate the user to use the available service.

[0148] [6-11. Other Modification Examples] For example, the above modification examples may be combined.

[0149] For example, in the embodiment, the case where the user uses the settlement service with the settlement application is taken as an example, but the user may use the settlement service with the browser of the user terminal 30. In this case, the user may execute the settlement when the code C10 displayed on the browser is read at the store, or may execute the settlement online instead of at the store without particularly using the code C10. The online settlement is completed only by operations on the user terminal 30. For example, the user may execute the settlement of an online e-commerce service, an e-book service, a travel reservation service, a communication service, or other services from the browser.

[0150] For example, the functions described as being realized by the settlement server 10 may be realized by the cooperation server 20, the user terminal 30, or other computers. The processes described as being realized by the settlement server 10 may be shared by a plurality of computers. The processes described as being realized by the cooperation server 20 may be realized by the settlement server 10. In this case, the settlement server 10 will also have the function of managing accounts of other banks and executing settlements based on the accounts of other banks.

[0151] [Appendix] For example, the settlement system can also be configured as follows. (1) A display request reception unit that receives a display request for a selection screen for a user to select functions related to settlement services, A status information acquisition unit that acquires status information regarding the status of the user's identity verification when the display request is received, A display control unit that displays the status on the selection screen based on the status information, A settlement system including the above. (2) When the status information indicates that the identity verification has been completed, the display control unit displays that the identity verification has been completed as the status on the selection screen, The settlement system according to (1). (3) When the user selects the function on the selection screen where the status is displayed, the display control unit enables transition to the next screen according to the status, The settlement system according to (1) or (2). (4) When the status information indicates that the identity verification has been completed and the user selects the function on the selection screen, the display control unit enables transition to the next screen for the user to use the function, The settlement system according to (3). (5) There are a plurality of functions for which the identity verification is required in the settlement service, The display control unit displays the status on each selection screen of the plurality of functions, The settlement system according to any one of (1) to (4). (6) When the status information indicates that the identity verification has not been completed and the user selects any one of the plurality of functions, the display control unit can transition to an identity verification screen for the user to perform the identity verification. The payment system according to (5). (7) When the user completes the identity verification from the identity verification screen, the display control unit causes the selection screen of the function other than the function selected by the user among the plurality of functions to display the fact that the identity verification has been completed as the status. The payment system according to (6). (8) The display control unit causes the selection screen on which the user can select each of the function for which the identity verification is required and the function for which the identity verification is not required to display the status in association with the function for which the identity verification is required. The payment system according to any one of (1) to (7). (9) The display control unit causes the selection screen for the user to select the function realized by the cooperation of the payment service and the external service to display the status. The payment system according to any one of (1) to (8). (10) Based on a database in which terminal identification information capable of identifying each of a plurality of user terminals is associated with the status information of the identity verification performed from the user terminal, the status information acquisition unit acquires the status information associated with the terminal identification information of the user terminal that transmitted the display request. Based on the status information associated with the terminal identification information of the user terminal that transmitted the display request, the display control unit causes the selection screen of the user terminal to display the status. The payment system according to any one of (1) to (9). (11) The status information acquisition unit acquires the status information associated with the user identification information of the user who sent the display request, based on a database in which user identification information capable of identifying each of the plurality of users is associated with the status information of the identity confirmation of the user. The display control unit causes the status to be displayed on the selection screen of the user based on the status information associated with the user identification information of the user who sent the display request. The payment system according to any one of (1) to (10). (12) The payment system includes a determination unit that determines whether re-identity confirmation is necessary when the identity confirmation of the user is completed, an update unit that updates the status information so that the status information indicates that re-identity confirmation is necessary, based on the determination result of the determination unit, and further includes When the status information is updated, the display control unit causes the selection screen to display that re-identity confirmation is necessary as the status, based on the updated status information. The payment system according to any one of (1) to (11). (13) The display request reception unit receives, as the function, a display request for the selection screen for the user to select a charge source setting function related to the setting of the charge source used in the charge in the payment service. When the display request is received, the status information acquisition unit acquires the status information of the identity confirmation for the setting of the charge source. The display control unit causes the selection screen to display the status of the identity confirmation for the setting of the charge source. The payment system according to any one of (1) to (12). (14) The display request receiving unit receives, as the function, a display request for the selection screen for the user to select a payer setting function related to the setting of a payer used in payment in the payment service. When the display request is received, the status information acquisition unit acquires the status information of the identity verification for setting the payer. The display control unit displays the status of the identity verification for setting the payer on the selection screen. (1)~(13) The payment system according to any one of the above. (15) The payment system is When the payment based on the payer for which the identity verification is required is made, an authentication request unit that requests the user for authentication for the payment, A payment permission unit that permits the payment when the authentication is successful. The payment system according to (14), further including the above. (16) The payment based on the payer for which the identity verification is required is provided by the cooperation of the payment service and an external service. When the identity verification is completed in one of the payment service and the external service, the display control unit displays on the selection screen or another screen that the identity verification information regarding the identity verification can be cooperated with the other service different from the one service. (1)~(15) The payment system according to any one of the above. (17) The display request receiving unit receives, as the function, a display request for the selection screen for the user to select a service usage function related to the usage of available services available from the payment service. When the display request is received, the status information acquisition unit acquires the status information of the identity verification for using the available services. The display control unit displays the status of the identity verification for using the available services on the selection screen. (1) to (16) Any of the described payment systems. (18) When the identity verification is completed from the payment service, the available service can be used without the identity verification being performed from the available service. When the status information indicates that the identity verification has been completed from the payment service, the display control unit causes the selection screen to display, as the status, that the available service can be used without the identity verification being performed from the available service. (17) The payment system described in. (19) The payment system further includes an estimation unit that estimates the availability of the user to use the available service based on user information regarding the user. The display control unit causes the selection screen to display the status of the identity verification for using the available service based on the status information and the availability. (17) or (18) The payment system described in.

Explanation of Signs

[0152] 1 Payment system, N Network, 10 Payment server, 11, 21, 31 Control unit, 12, 22, 32 Storage unit, 13, 23, 33 Communication unit, 20 Cooperation server, 30 User terminal, 34 Operation unit, 35 Display unit, 36 Photographing unit, 100 Data storage unit, 101 Display request reception unit, 102 Status information acquisition unit, 103 Display control unit, 104 Determination unit, 105 Update unit, 106 Authentication request unit, 107 Payment permission unit, 108 Estimation unit, 200 Data storage unit, 201 Cooperation unit, 300 Data storage unit, 301 Operation reception unit, 302 Display control unit, B11, B12, B40 Button, C10 Code, DB User database, L13 Application list, P20 Panel, P60 Panel, SC1 Top screen, SC2 Selection screen, SC3 Identity verification screen, SC4 Account information input screen, SC5 Charge screen, SC6 Selection screen, SC7 Selection screen.

Claims

1. a display request receiving unit that receives a display request for a selection screen for a user to select a function related to the payment service; a status information acquisition unit that acquires status information regarding a status of identity verification of the user when the display request is accepted; a display control unit that displays the status on the selection screen on which the user can select each of the function for which the identity verification is required and the function for which the identity verification is not required based on the status information, in association with the function for which the identity verification is required; Payment systems including.

2. the display control unit, when the status information indicates that the identity verification has been completed, causes the selection screen to display, as the status, that the identity verification has been completed. The payment system according to claim 1 .

3. the display control unit, when the user selects the function on the selection screen on which the status is displayed, enables transition to a next screen according to the status.

3. A payment system according to claim 1 or 2.

4. the display control unit, when the status information indicates that the identity verification has been completed and the user selects the function on the selection screen, enables the user to transition to the next screen for using the function. The payment system according to claim 3.

5. The payment service has a plurality of functions that require the identity verification, the display control unit causes the selection screen for each of the plurality of functions to display the status.

3. A payment system according to claim 1 or 2.

6. the display control unit is capable of transitioning to an identity verification screen for the user to perform the identity verification when the status information indicates that the identity verification has not been completed and the user selects any one of the plurality of functions. The payment system according to claim 5.

7. When the user completes the identity verification from the identity verification screen, the display control unit displays, as the status, on the selection screen of the other function among the plurality of functions other than the function selected by the user, that the identity verification has been completed. The payment system according to claim 6.

8. The display control unit displays the status on the selection screen on which the user selects the function realized by the cooperation between the payment service and the external service.

3. A payment system according to claim 1 or 2.

9. the status information acquisition unit acquires the status information associated with the terminal identification information of the user terminal that has transmitted the display request, based on a database in which terminal identification information capable of identifying each of a plurality of user terminals is associated with the status information of the identity verification performed from the user terminal; the display control unit causes the selection screen of the user terminal that has transmitted the display request to display the status based on the status information associated with the terminal identification information of the user terminal; 3. A payment system according to claim 1 or 2.

10. the status information acquisition unit acquires the status information associated with the user identification information of the user who transmitted the display request, based on a database in which user identification information capable of identifying each of the multiple users is associated with the status information of the identity verification of the user; the display control unit causes the status to be displayed on the selection screen of the user who has transmitted the display request, based on the status information associated with the user identification information of the user.

3. A payment system according to claim 1 or 2.

11. The payment system includes: a determination unit that determines whether or not re-identification of the user is necessary when the identity verification of the user has been completed; an update unit that updates the status information so that the status information indicates that the identity verification is required again based on a determination result of the determination unit; Further comprising: the display control unit, when the status information is updated, causes the selection screen to display, based on the updated status information, a status indicating that the identity verification is required again.

3. A payment system according to claim 1 or 2.

12. the display request receiving unit receives, as the function, the display request of the selection screen for the user to select a charge source setting function related to setting of a charge source used for charging in the payment service; the status information acquisition unit acquires the status information of the identity verification for setting the charge source when the display request is accepted, The display control unit displays the status of the identity verification for setting the charge source on the selection screen.

3. A payment system according to claim 1 or 2.

13. the display request receiving unit receives, as the function, the display request for the selection screen for the user to select a payment source setting function related to setting of a payment source used in payment in the settlement service; the status information acquisition unit acquires the status information of the identity verification for setting the payment source when the display request is accepted; The display control unit causes the selection screen to display the status of the identity verification for setting the payment source.

3. A payment system according to claim 1 or 2.

14. The payment system includes: an authentication request unit that requests the user for authentication for the payment when the payment is made based on the payment source for which the identity verification is required; a payment authorization unit that authorizes the payment if the authentication is successful; The payment system of claim 13 further comprising:

15. The payment based on the payment source for which the identity verification is required is provided through cooperation between the payment service and an external service; When the identity verification is completed in one of the payment service and the external service, the display control unit displays on the selection screen or another screen that identity verification information related to the identity verification can be linked to the other service different from the one service.

3. A payment system according to claim 1 or 2.

16. a display request receiving unit that receives a display request for a selection screen for a user to select a service use function related to the use of an available service that can be used from the payment service as a function related to the payment service; a status information acquisition unit that acquires status information regarding a status of identity verification of the user for use of the available service when the display request is accepted; an estimation unit that estimates availability of the user to use the available service based on user information about the user; a display control unit that displays, on the selection screen, the status of the identity verification for use of the available service based on the status information and the availability; Payment systems including.

17. When the identity verification is completed by the payment service, the available service can be used without the identity verification being performed by the available service; When the status information indicates that the identity verification from the payment service has been completed, the display control unit causes the selection screen to display, as the status, that the available service is available even if the identity verification from the available service is not performed.

17. The payment system of claim 16.

18. The computer a display request receiving step of receiving a display request for a selection screen for a user to select a function related to the payment service; a status information acquisition step of acquiring status information regarding a status of identity verification of the user when the display request is accepted; a display control step of displaying the status on the selection screen on which the user can select each of the function requiring the identity verification and the function not requiring the identity verification based on the status information, in association with the function requiring the identity verification; A display control method that performs the following:

19. a display request receiving unit that receives a display request for a selection screen for a user to select a function related to the payment service; a status information acquisition unit that acquires status information regarding a status of identity verification of the user when the display request is accepted; a display control unit that displays the status on the selection screen on which the user can select each of the function for which the identity verification is required and the function for which the identity verification is not required based on the status information, in association with the function for which the identity verification is required; A program that makes a computer function as a

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