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

Abstract

To provide an information processing apparatus, an information processing method, a program, and an application program that can guarantee the accuracy of personal information when the personal information is linked among a plurality of organizations and services. 【Solution means】An information processing apparatus including: an acquisition unit that acquires information indicating use of a service different from the electronic payment service from a user terminal device of a user of the electronic payment service; a display control unit that, in response to the acquisition of the information indicating use, transmits and displays personal authentication information indicating at least part of the content of identification information regarding the user stored in a storage unit to the user terminal device; a determination unit that determines whether notification information received from the user terminal device indicates consent of the user to the personal authentication information; and a linking unit that links at least part of the identification information to the service when it is determined that the notification information indicates consent of the user to the personal authentication information.

Description

Technical Field

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

Background Art

[0002] Conventionally, a technique for linking personal information among a plurality of organizations and services has been known. For example, Patent Document 1 discloses a technique for linking personal information held by each of a plurality of organizations, calculating the reliability of each organization based on the linked personal information, and presenting information provided by an organization with high reliability to a data user.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the conventional technology, when personal information is linked among a plurality of organizations and services, the accuracy of the personal information may not be guaranteed.

[0005] The present invention has been made in consideration of such circumstances, and one of the objects is to provide an information processing apparatus, an information processing method, a program, and an application program capable of guaranteeing the accuracy of personal information when the personal information is linked among a plurality of organizations and services.

Means for Solving the Problems

[0006] One aspect of the present invention includes an acquisition unit that acquires information indicating the use of a service different from the electronic payment service from a user terminal device of a user of the electronic payment service; a display control unit that, in response to the acquisition of the information indicating the use, transmits and causes the user terminal device to display personal authentication information indicating at least a part of the content of the identification information regarding the user stored in the storage unit; a determination unit that determines whether notification information received from the user terminal device indicates consent of the user to the personal authentication information; and a cooperation unit that cooperates at least a part of the identification information with the service when it is determined that the notification information indicates consent of the user to the personal authentication information.

Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing apparatus, an information processing method, a program, and an application program that can guarantee the accuracy of personal information when the personal information is linked among a plurality of organizations and services.

Brief Description of the Drawings

[0008]

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Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments of an information processing apparatus, an information processing method, a program, and an application program of the present invention will be described with reference to the drawings. Various apparatuses such as "servers", "management apparatuses", and "information providing apparatuses" that provide services to users or perform internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. The store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a party different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it may be controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, the store is, for example, treated as belonging to a franchise (brand), and processes such as settlement when a purchase action is performed in the store are mainly carried out between the user and the franchise. Alternatively, processes such as settlement may be carried out between the user and the store.

[0010] [Electronic Payment Service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized centering around a settlement server 100. The settlement server 100 communicates with, for example, each of one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and one or more service servers 200 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the settlement application 20 is executed by a processor such as a CPU, and it operates to provide an electronic payment service to the user in cooperation with the payment server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.

[0012] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be a franchise store app or a browser. The interface 72 for franchise stores accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70 which is a smartphone has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing a franchise store app.

[0014] The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise store server. In that case, payment information is transmitted from the POS device to the payment server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that payment information is transmitted from the first store terminal device 50.

[0015] The service server 200 provides services operated by an operation entity different from the electronic payment service. The service server 200 may provide the service as a mini app described later on the electronic payment service, or may provide it to the user terminal device 10 as its own website or application program. Here, the service may include, for example, online shopping services (shopping mall services, reuse EC services, etc.), food services (delivery, takeout, etc.), financial services (investment, insurance, etc.), and various forms of services that can be provided through apps or the web.

[0016] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

[0017] In the case of Pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is activated decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with a franchise store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the franchise store ID and the store ID corresponding to the store URL, acquires information on the franchise store name and the store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen where the franchise store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also information on the payment amount. In this case, the procedure for the user to input the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and the store name may be included and displayed on the payment completion screen.

[0018] In the case of pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the settlement application 20 is launched, when an operation to pay is performed in the settlement application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the settlement application 20 sends a request to issue a one-time code to the settlement server 100 (S11). The settlement server 100 generates a one-time code (S12) and sends it to the settlement application 20 (S13). The settlement application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user shields (presents) the display surface of the user terminal device 10 against the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates settlement information including a one-time code, a settlement amount, a franchise store ID, a store ID, etc., and sends it to the settlement server 100 (S16). The information on the settlement amount has been acquired in advance by barcode reading, manual input, or the like. The settlement server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic settlement (S17). Then, the settlement server 100 sends a settlement completion notification to the settlement application 20 (S18), and the settlement application 20 displays a settlement completion screen (S19).

[0019] Note that the electronic settlement may be performed in only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (for example, a telephone number) that can be used as identification information of the user. Further, in the store scan, the issuance of the one-time code may be omitted, and the settlement application 20 may display a code image generated based on the user's account ID. In that case, instead of identifying the user corresponding to the one-time code, the settlement server 100 identifies the user corresponding to the account ID.

[0020] [Settlement Server] FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The settlement server 100 includes, for example, a communication unit 110, a settlement content providing unit 120, a settlement processing unit 130, an information management unit 140, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), or GPU (Graphics Processing Unit), or may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device. The information management unit 140 further includes an acquisition unit 142, a display control unit 144, a determination unit 146, an authentication unit 148, a correction unit 150, and a cooperation unit 152. Details of these functional units will be described later. The information management unit 140 is an example of the "information processing device" in the claims.

[0021] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, settlement content information 174, and franchise / store information 176 is stored in the storage unit 170.

[0022] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0023] The settlement content providing unit 120 has, for example, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The settlement content providing unit 120 appropriately reads out necessary content from the settlement content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20 and transmits the above-mentioned payment information and the like to the payment server 100.

[0024] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0025] FIG. 5 is a diagram showing an example of the contents of user information 172. The user information 172 is an example of the registration information of the user. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, nationality, occupation, registration date, presence or absence of identity verification, remaining charge balance, credit payment setting, credit payment limit, credit payment usage amount, available credit payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, and other information that are associated with each other. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, it is mandatory to register a phone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (it is not necessary to set it). Similarly, the email address, name, address, date of birth, nationality, and occupation are information that the user can optionally set (it is not necessary to set them). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Identity verification means, for example, information indicating whether the user has completed identity verification by uploading his / her identity verification document (e.g., a public identity certificate such as a driver's license) to the payment server 100 using the payment app 20 to prove the authenticity of the name, address, date of birth, etc., and is set to either "completed" or "not completed". When the identity verification is "completed", the user can, for example, withdraw the remaining charge balance to the bank account as described below. Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated with each other is referred to as an account.

[0026] The remaining balance of the charge indicates the information of the remaining balance of the electronic money set by the user by remitting money to the account in advance. As means of remittance, there are remittance from the ATM (Automatic Teller Machine) of the designated business operator (bank), remittance from the registered bank account, etc. The credit payment setting is the information indicating whether the setting for enabling electronic settlement by credit payment has been completed or not, and is set to either "completed" or "not completed". The credit payment limit is the limit amount of credit payment available per month, the credit payment used amount is the amount of credit payment already used in the current month, and the available credit payment amount is the amount of credit payment available in the current month obtained by subtracting the credit payment used amount from the credit payment limit. Although only one credit payment limit is shown in the figure, actually there are further upper limits per day, etc., and the lower of them may be set as the credit payment limit. Further details of the credit payment will be described later. The settlement method setting is the setting information indicating whether the user performs electronic settlement using the remaining balance of the charge or performs settlement by credit payment at that time. Each of the bank account and the credit card number is the information (account number, card number) of the bank account or credit card number that can receive payments for the electronic settlement service. The charge history information is the history of the user increasing the remaining balance of the charge by remitting money to the electronic settlement service in advance. The settlement history information is the information showing the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was performed, settlement amount, settlement method, etc.) for each settlement.

[0027] Figure 6 is a diagram showing an example of the content of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with the store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern.

[0028] The information management department 140 manages the user information 172 and the franchise / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management department 140 performs operations such as adding, editing, and deleting new records for the user information 172 and the franchise / store information 176.

[0029] [Electronic payment] When the payment processing department 130 acquires payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance", the payment processing department 130 performs electronic payment as follows. For example, the payment processing department 130 reduces the charge balance managed in association with the user ID and increases the item value of the sales amount of the franchise to perform electronic payment. The item value of the sales amount of the franchise is not used as electronic money itself, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the franchise and the electronic payment service.

[0030] When the "settlement information" is set to "credit payment" for a user, the settlement processing unit 130 performs electronic settlement as follows. Credit payment is a payment method through cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor and allows electronic settlement that does not depend on the remaining recharge amount within the credit payment limit. In addition, in order to receive the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit payment is settled in a lump sum for one month on the payment date of the following month, for example, by direct debit from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the credit payment usage amount and subtracting the same amount from the available credit payment amount. At the end of the month, it performs the process of direct debiting the settlement for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform the process. If the settlement amount exceeds the available credit payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0031] [Top screen] FIG. 7 is a diagram showing an example of the top screen of the payment application 20. A code image CI is displayed on the top screen. The code image CI includes, for example, a barcode and a QR code. Further, a switching switch SW for switching between performing electronic payment based on the remaining balance of the charge and performing electronic payment by credit payment is displayed beside the code image CI. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with the touch panel. In FIG. 7, "credit" is displayed, which means that the setting is for performing electronic payment by credit payment. The user can switch between performing electronic payment based on the remaining balance of the charge and performing electronic payment by credit payment, for example, by swiping the switching switch SW. Further, the top screen includes an operation area OA, a transition button TB1, and a transition button TB2. In the operation area OA, buttons for instructing scanning (start of user scanning), buttons for transferring the remaining balance of the charge to other users, buttons for displaying the points acquired by the user, buttons for displaying the history of electronic payments executed by the user, etc., buttons for instructing main operations in electronic payment are provided. When the transition button TB1 is operated, it transitions to a payment screen for displaying the code image used for electronic payment and the available amount. When the transition button TB2 is operated, it transitions to a screen for displaying the available amount in balance payment or credit payment. In FIG. 7, since electronic payment based on the remaining balance of the charge is set, when the transition button TB2 is operated, the available amount in balance payment is displayed.

[0032] [Mini App] Below the operation area OA, for example, there are further button (switch) groups M1, M2, ··· for starting mini-apps. The mini-apps operate with the payment app 20 as a platform and provide some kind of service. The service provider develops the mini-apps by referring to an SDK (Software Development Kit) such as a program or technical document for app development provided by the administrator of the payment app 20. The mini-apps are, for example, apps that operate when the payment app 20 is activated. For example, when the payment app 20 is installed, part or all of the mini-apps may be installed, or part or all of the mini-apps may be installed from a service server corresponding to the mini-apps. For example, when a mini-app is activated, it accesses a service server 200 that provides a service corresponding to the mini-app, and the mini-app and the service server 200 cooperate to provide a service to the user. At this time, the service server 200 may be the payment server 100 itself. In FIG. 7, as an example, the button M1 of the mini-app that provides a function related to the food delivery service provided by the franchise store and the button M2 of the mini-app that provides a function for investing in investment products (such as stocks and bonds) provided by the securities company are displayed, but various types of buttons for starting mini-apps such as a reservation app for using amusement facilities such as movie theaters and a payment app for paying public transportation fares may be displayed.

[0033] [Linkage of personal confirmation information] When the user clicks the mini-app button M1 or M2 on the top screen of FIG. 7, the payment app 20 causes the screen to transition to the corresponding mini-app screen. FIG. 8 is a diagram showing an example of the screen displayed when the mini-app button is clicked on the top screen of the payment app 20. FIG. 8 represents, as an example, the screen displayed when the user clicks the mini-app button M1 for the first time (or, if clicked in the past but the process described below has not been completed).

[0034] The screen shown in FIG. 8 includes, for example, an information area IA1 indicating the types of information coordinated between the settlement server 100 and the service server 200, an information area IA2 indicating the personal authentication information representing the content of the user information 182 to be coordinated, a button B1 for selecting to correct the personal authentication information displayed in the information area IA2, and a button B2 for agreeing to the content of the personal authentication information. The personal authentication information is an example of "at least a part of the identification information regarding the user" in the claims. Also, the button B1 is an example of "an option for selecting whether to correct at least a part of the identification information" in the claims.

[0035] When the user first clicks the mini-app button on the top screen of FIG. 7, the payment app 20 transmits information indicating the use of the mini-app (in other words, the service provided by the corresponding service server 200) to the settlement server 100. The acquisition unit 142 of the settlement server 100 acquires the information indicating the use of the mini-app transmitted by the payment app 20. When the acquisition unit 142 acquires the information indicating the use of the mini-app, the display control unit 144 transmits the personal authentication information to the payment app 20 for display. At this time, as shown in FIG. 8, the payment app 20 causes the information area IA1 to display, for example, in addition to the personal authentication information, information indicating that the electronic payment service registration information is to be coordinated with the service server 200. Here, while the personal authentication information represents the user's identification information (e.g., name, date of birth, postal code, address, nationality, occupation, etc.), the electronic payment service registration information represents the information registered by the user when using the electronic payment service and its associated information (e.g., account ID, phone number, email address, remaining charge, registration date, etc.).

[0036] When the user presses, for example, the accordion button AC1, the settlement app 20 displays a list of personal identification information shared between the settlement server 100 and the service server 200. On the other hand, when the user presses, for example, the accordion button AC2, the settlement app 20 displays a list of electronic payment service registration information shared between the settlement server 100 and the service server 200. Thereby, the user can check the list of information shared between the settlement server 100 and the service server 200.

[0037] The information area IA2 shows the content of the personal identification information shared between the settlement server 100 and the service server 200. The content of the personal identification information indicated by the information area IA2 may be related to all of the list of personal identification information displayed by pressing the accordion button AC1, or may be related to a part of the list of personal identification information for which it is assumed that the content needs to be confirmed in particular. For example, in FIG. 8, as an example, the information area IA2 includes the name, date of birth, postal code, and address, but the list of personal identification information displayed by pressing the accordion button AC1 may further include, for example, nationality in addition to these items.

[0038] When the user clicks the button B1, the settlement app 20 enables the user to modify the content of the personal identification information indicated by the information area IA2. On the other hand, when the user clicks the button B2, the settlement app 20 sends notification information indicating that the user agrees to the content of the personal identification information to the settlement server 100. When the settlement server 100 receives the notification information, the determination unit 146 determines whether the received notification information indicates the user's agreement to the content of the personal identification information. When it is determined that the received notification information indicates that the user agrees to the content of the personal identification information, the cooperation unit 152 shares (i.e., cooperates) by sending the personal identification information and the electronic payment service registration information to the service server 200.

[0039] In this way, when the user uses a service different from the electronic payment service provided by the service server 200, the user can link the personal verification information to the service server 200 without having to re-enter the personal verification information on the service. As a result, the user can smoothly use the functions of the mini-app without going through complicated procedures. Note that the electronic payment service registration information shown in FIG. 8 is not necessarily essential. At least the personal verification information is displayed in the information area IA2 and may be shared with the service server 200 via the payment server 100 after confirmation by the user.

[0040] [Modification of Personal Verification Information] FIG. 9 is a diagram showing an example of a screen for modifying personal verification information in the payment app 20. In FIG. 9, the reference numeral IA2 represents an information area showing personal verification information, similar to FIG. 8. The user edits the content of the item to be modified, for example, by operating the touch panel of the user terminal device 10. FIG. 9 shows, as an example, the case where the user modifies the content of the item related to the address from "XXX XXX" to "YYY YYY".

[0041] After the user makes a modification and presses the button B3, the payment app 20 transmits the modification information of the personal verification information by the user to the payment server 100. When the acquisition unit 142 receives the modification information, the authentication unit 148 executes an authentication process for authenticating the received modification information based on the modification information. On the other hand, when the user presses the button B4 without executing the modification, the payment app 20 returns the screen of FIG. 9 to the screen of FIG. 8.

[0042] FIG. 10 is a diagram for explaining the authentication process executed by the authentication unit 148. The screen shown in FIG. 10 is a screen that transitions, for example, when the user presses button B3 on the screen shown in FIG. 9. The authentication unit 148 executes an authentication process to verify the authenticity of the correction information of the identity verification information received from the payment server 100. For example, as shown in FIG. 10, the display control unit 144 causes the payment application 20 to display a button B5 for selecting identity verification using an IC card identity certificate issued by a public institution and a button B6 for selecting identity verification using a driver's license as candidates for the authentication process to be executed.

[0043] When the user presses button B5 or button B6, the authentication unit 148 executes the authentication process corresponding to the selected button by, for example, causing the user terminal device 10 to read an IC card identity certificate or a driver's license by near field communication. More specifically, when the user terminal device 10 reads an IC card identity certificate or a driver's license by near field communication, it transmits the read information to the payment server 100, and the authentication unit 148 executes the authentication process by comparing the received information with the correction information of the identity verification information. Note that the authentication process may further include any form of authentication such as password input or biometric authentication. On the other hand, when the user presses button B7, the payment application 20 causes the screen shown in FIG. 10 to transition to the screen shown in FIG. 9.

[0044] When the authentication by the authentication unit 148 is completed, the display control unit 144 causes the screen of the payment application 20 to transition to the screen of the personal identification information and the electronic payment service registration information reflecting the correction information. FIG. 11 is a diagram showing an example of the screen displayed after the authentication by the authentication unit 148 is completed. As shown in FIG. 11, when the authentication by the authentication unit 148 is completed, the display control unit 144 causes the payment application 20 to display the personal identification information and the electronic payment service registration information again in a state where the correction information is reflected. For example, in the case of FIG. 11, the display control unit 144 causes the personal identification information and the electronic payment service registration information to be displayed again with the content of the item related to the address corrected from "XXX XXX" to "YYY YYY". At the same time, the correction unit 150 stores the correction information in the storage unit 170 as new user information 182. For example, in the case of FIG. 9, the correction unit 150 stores the new address "YYY YYY" in the storage unit 170 as the user information 182.

[0045] Figure 11 When the user clicks the button B1 on the screen shown in FIG. 5, as in the case of FIG. 8, the payment application 20 enables the user to correct the content of the personal identification information indicated by the information area IA2 again. On the other hand, when the user clicks the button B2, the payment application 20 transmits notification information indicating that the user agrees to the content of the personal identification information to the payment server 100. When the payment server 100 receives the notification information, the determination unit 146 determines whether the received notification information indicates the user's agreement to the content of the personal identification information. When it is determined that the received notification information indicates that the user agrees to the content of the personal identification information, the cooperation unit 152 shares (i.e., cooperates) the personal identification information and the electronic payment service registration information by transmitting them to the service server 200.

[0046] In this way, when a user uses a service different from the electronic payment service provided by the service server 200, the user checks the personal verification information on the service, and if necessary, re-executes the correction and personal authentication processes. If the personal authentication process is successful, the corrected personal verification information is linked to the service server 200. Thereby, when personal information is linked among a plurality of organizations and services, the accuracy of the personal information can be guaranteed.

[0047] [Processing flow] Hereinafter, with reference to FIG. 12, the processing flow executed by the cooperation of the user terminal device 10, the payment server 100, and the service server 200 will be described. FIG. 12 is a sequence diagram showing an example of the processing flow executed by the cooperation of the user terminal device 10, the payment server 100, and the service server 200. The processing shown in FIG. 12 is executed, for example, when the user first presses a button corresponding to a certain mini-app on the top screen shown in FIG. 7.

[0048] First, the user terminal device 10 receives the pressing of the mini-app button by the user on the payment app 20 (S10). Next, the user terminal device 10 notifies the payment server 100 of the use of the mini-app corresponding to the pressed button (S12). Next, when the acquisition unit 142 acquires the notification information indicating the use of the mini-app transmitted by the user terminal device 10, the display control unit 144 transmits to the user terminal device 10 to display the personal verification information (and, if necessary, the electronic payment service registration information) (S14).

[0049] Next, the user terminal device 10 causes the settlement application 20 to display the identity verification information (S16). Next, the user terminal device 10 transmits the correction information of the identity verification information received via the settlement application 20 to the settlement server 100 (S18). Next, the authentication unit 148 executes an authentication process for the identity verification information (S20). When the authentication process is completed, the correction unit 150 stores the correction information in the storage unit 170 (S22). Next, the display control unit 144 transmits to the user terminal device 10 so as to display the corrected identity verification information (and, if necessary, the electronic payment service registration information) (S24).

[0050] Next, the user terminal device 10 causes the settlement application 20 to display the corrected identity verification information (S26). Next, the user terminal device 10 transmits notification information indicating consent to the identity verification information received via the settlement application 20 to the settlement server 100 (S28). Next, the determination unit 146 determines whether the received notification information indicates consent to the identity verification information (S30). When it is determined that the received notification information indicates consent to the identity verification information, the cooperation unit 152 cooperates the identity verification information with the service server 200 (S32). Thereby, the process according to this sequence diagram ends.

[0051] In the process of the above sequence diagram, in S28, when the user consents to the identity verification information on the user terminal device 10, in S32, the settlement server 100 cooperates the identity verification information with the service server 200. However, the present invention is not limited to such a configuration, and when the user consents to the identity verification information on the user terminal device 10, the user terminal device 10 may directly cooperate the identity verification information with the service server 200. Thereby, the process related to information cooperation can be made efficient.

[0052] Furthermore, in the processing of the above sequence diagram, at S20, when the authentication process of the personal identification information is completed, at S22, the correction information is stored in the storage unit 170. However, the present invention is not limited to such a configuration, and the correction information may be stored in the storage unit 170 at S28 when the user agrees to the personal identification information. Thereby, when personal information is linked among a plurality of organizations and services, the accuracy of the personal information can be further highly guaranteed.

[0053] Furthermore, in the present embodiment, the service server 200 provides services via the mini app. However, the present invention is not limited to such a configuration, and the service server 200 may provide services via a Web app (website) or a native app. In that case, for example, when the user selects a Web app or a native app related to another service on the payment app 20, the payment app 20 displays the personal identification information before the screen transition, and in response to obtaining the consent by the user, the personal identification information may be linked to the Web app or the native app. Even in this way, when personal information is linked among a plurality of organizations and services, the accuracy of the personal information can be guaranteed.

[0054] Furthermore, in the present embodiment, the mini app is installed in the payment app 20 as a super app. However, the present invention is not limited to such a configuration, and the super app that installs the mini app may be an app that implements any function other than the payment app 20 (for example, a messaging function, an SNS function, an image posting function, a video posting function, a search engine function, etc.). For example, a plurality of types of mini apps may be developed and installed on an SNS app that implements an SNS service, and when the user launches the mini app from the SNS app, the user may confirm and correct the personal identification information on the SNS app.

[0055] Furthermore, in the present embodiment, regardless of the content and type of service provided by the service server 200, the settlement server 100 links the personal identification information to the service server 200. However, the present invention is not limited to such a configuration, and the above information linkage may be permitted only for specific services or types of business. For example, for industries that require more strictness in the operation and management of personal information (such as financial services), the above information linkage may be invalidated.

[0056] Furthermore, in the present embodiment, the functions of the settlement application 20 and the functions of the settlement server 100 (information management unit 140) are distributed as described above, but the distribution of these functions may be changed as appropriate. For example, the display control by the display control unit 144 and the authentication process by the authentication unit 148 may be implemented in the settlement application 20.

[0057] [Modification Example] In the above embodiment, for example, as shown in FIG. 8, the items of personal identification information to be linked to the service server 200 are fixed. However, since the personal identification information required depends on the service, it is preferable to set the items of personal identification information according to the service. In this modification example, the storage unit 170 stores the personal identification information linkage table 178, and when a user uses a service, the personal identification information corresponding to each service is confirmed and linked.

[0058] FIG. 13 is a diagram showing an example of the content of the personal identification information linkage table 178 according to the modification example. The personal identification information linkage table 178 stores, for example, a mini-app and the personal identification information to be linked to each other. In this case, when the acquisition unit 142 acquires notification information indicating the use of the mini-app, the display control unit 144 refers to the personal identification information linkage table 178 to identify the information items of the personal identification information corresponding to the mini-app, and transmits the identified information items of the personal identification information to the user terminal device 10 for display. After that, when the user agrees to the personal identification information, the linkage unit 152 links the information items to the service server 200.

[0059] [Processing Flow] FIG. 14 is a sequence diagram showing an example of the processing flow executed by the cooperation of the user terminal device 10, the payment server 100, and the service server 200 according to the modified example. The sequence diagram shown in FIG. 14 is obtained by adding the processing of S13 to the sequence diagram shown in FIG. 12. More specifically, in S13, the display control unit 144 refers to the personal authentication information link table 178 to identify the personal authentication information corresponding to the mini-app for which the use has been notified. Since the other processing is the same as the processing of the sequence diagram shown in FIG. 12, the description thereof is omitted.

[0060] According to the embodiment described above, information indicating the use of a service different from the electronic payment service is acquired from the user terminal device of the user of the electronic payment service, and in response to the acquisition of the information indicating the use, personal authentication information indicating at least part of the content of the identification information is transmitted to the user terminal device for display, and it is determined whether the notification information received from the user terminal device indicates the consent of the user to the confirmation information. When it is determined that the notification information indicates the consent of the user to the confirmation information, at least part of the identification information is linked to the service. Thereby, when personal information is linked between a plurality of organizations and services, the accuracy of the personal information can be guaranteed.

[0061] As described above, the embodiments for implementing the present invention have been described using the embodiments, but the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0062] 10 User terminal device 20 Payment app 100 Payment server 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 142 Acquisition unit 144 Display control unit 146 Determination unit 148 Authentication unit 150 Correction Unit 152 Linkage Unit 170 Memory Unit

Claims

1. an acquisition unit that acquires information indicating use of a service other than the electronic payment service from a user terminal device of a user of the electronic payment service; a display control unit that transmits, in response to acquisition of the information indicating the use, identity verification information indicating at least a part of the content of the identification information related to the user stored in a storage unit to the user terminal device, and causes the user terminal device to display the identity verification information; a determination unit that determines whether or not the notification information received from the user terminal device indicates consent by the user to linking the personal identification information to the service; a linking unit that links at least a part of the identification information to the service when it is determined that the notification information indicates consent by the user to linking the identity verification information to the service, The display control unit further displays, on the user terminal device, an option for selecting whether or not to modify at least a portion of the displayed identification information before linking at least a portion of the identification information to the service; the acquiring unit acquires, when the selection is made on the option to edit at least a part of the displayed identification information, from the user terminal device, edit information indicating the content of the edit; an authentication unit that executes an authentication process for authenticating the modification information; and a modification unit that stores the modification information in the storage unit as new identification information when the modification information is authenticated, The linking unit links new identification information to the service when the correction information is authenticated and the notification information is determined to indicate the consent. Information processing device.

2. the display control unit determines at least a part of the identification information to be included in the personal identification information by referring to a table in which confirmation items of the identification information are linked to each of the services. The information processing device according to claim 1 .

3. The service is a service provided on a payment application that operates in conjunction with the electronic payment service on the user terminal device. The information processing device according to claim 1 .

4. The computer Acquire information indicating use of a service different from the electronic payment service from a user terminal device of the user of the electronic payment service; In response to the acquisition of the information indicating the use, transmitting personal identification information indicating at least a part of the content of the identification information regarding the user stored in a storage unit to the user terminal device and displaying the information; determining whether or not the notification information received from the user terminal device indicates consent by the user to linking the identity verification information to the service; linking at least a portion of the identification information to the service when it is determined that the notification information indicates consent by the user to linking the identity verification information to the service; further displaying, on the user terminal device, an option for selecting whether or not to modify at least a portion of the displayed identification information before linking at least a portion of the identification information to the service; when correcting at least a part of the displayed identification information is selected on the options, obtaining correction information indicating the content of the correction from the user terminal device; executing an authentication process for authenticating the modification information, and if the modification information is authenticated, storing the modification information in the storage unit as new identification information; If the modification information is authenticated and the notification information is determined to indicate the consent, linking the new identification information to the service. Information processing methods.

5. On the computer, acquiring information indicating use of a service different from the electronic payment service from a user terminal device of the user of the electronic payment service; In response to the acquisition of the information indicating the use, transmitting personal identification information indicating at least a part of the content of the identification information regarding the user stored in a storage unit to the user terminal device and displaying the information; determining whether or not the notification information received from the user terminal device indicates consent by the user to linking the identity verification information to the service; if it is determined that the notification information indicates consent by the user to linking the identity verification information to the service, linking at least a portion of the identification information to the service; further displaying, on the user terminal device, an option for selecting whether or not to modify at least a portion of the displayed identification information before linking at least a portion of the identification information to the service; when correcting at least a part of the displayed identification information is selected on the options, obtaining correction information indicating the content of the correction from the user terminal device; executing an authentication process for authenticating the modification information, and if the modification information is authenticated, storing the modification information in the storage unit as new identification information; if the modification information is authenticated and the notification information is determined to indicate the consent, linking the new identification information to the service. program.

6. An application program installed on a user terminal device of a user of an electronic payment service, Transmitting information indicating the use of a service different from the electronic payment service to a payment server of the electronic payment service; receiving from the payment server personal identification information indicating at least a part of the identification information related to the user stored in a storage unit, and displaying the information on the user terminal device; determining whether or not the user has agreed to linking the personal identification information to the service through an operation of the user terminal device by the user; When it is determined that the linking of the identity verification information to the service has been consented to, linking at least a part of the identity verification information to a service other than the electronic payment service; further displaying, on the user terminal device, an option for selecting whether or not to modify at least a portion of the displayed identification information before linking at least a portion of the identification information to the service; When correcting at least a part of the displayed identification information is selected on the options, correction information indicating the content of the correction is transmitted to the payment server; executing an authentication process for authenticating the modification information, and if the modification information is authenticated, storing the modification information in the storage unit as new identification information; If it is determined that the correction information is authenticated and that linking the personal identification information to the service is consented to, linking the new identification information to the service. Application program.

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