Information processing device, information processing method, and program

Abstract

To improve user convenience. [Solution] An information processing device comprising: an acquisition unit that acquires credit card identification information for identifying a user's credit card; and a processing unit that refers to setting information stored in a memory unit that corresponds to the credit card identification information and information indicating the use of bank services or information indicating the use of credit card services, and executes processing to have a device of a service provider that provides a service according to the setting information.

Description

Technical Field

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

Background Art

[0002] Conventionally, in the use of credit cards, a credit card management apparatus has been disclosed that determines one of a plurality of payment accounts associated with a credit card and deducts a payment amount from the one payment account (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, services using credit cards may not have been sufficiently considered. As a result, the convenience for users may have been low.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide an information processing apparatus, an information processing method, and a program that can improve the convenience for users.

Means for Solving the Problems

[0006] One aspect of the present invention includes an acquisition unit that acquires credit card identification information for identifying a user's credit card, the credit card identification information stored in a storage unit, and setting information in which information indicating use of a banking service or information indicating use of a credit card service is associated, and a processing unit that executes a process for causing a device of a service provider corresponding to the setting information to provide a service according to the setting 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, and a program that can improve the convenience of users.

Brief Description of the Drawings

[0008]

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Mode for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the information processing apparatus, information processing method, and program of the present invention will be described. Various apparatuses such as "servers" that appear below for providing services to users or performing 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 payment 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 is 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. Instead of this, 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 the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized centering around a payment server 100. An electronic payment system for realizing the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, a credit server 200 (information processing device), a bank server 300, an ATM (Automated Teller Machine) 400, and a credit card C. These devices communicate with each other via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. Part or all of the network NW may be a network used for credit card payments.

[0011] Part or all of the functional configurations included in the electronic payment system may be distributed among a plurality of devices in any form or integrated into any device. For example, part or all of the functional configurations of the payment server 100 or the credit server 200 may be included in other devices. For example, part or all of the functional configurations of the credit server 200 may be possessed by a gateway that mediates communication between the ATM 400 and the credit server 200.

[0012] [Credit Card] The credit card C is, for example, a credit card that does not have a cash card function. The credit card C may be, for example, a credit card that has a cash card function. The credit card C may be a credit card for credit payment of the electronic payment service described later, or may be another credit card.

[0013] [User Terminal Device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input 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 payment 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 payment 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. Further, a mini application 30 that operates in the payment application 20 is installed in the user terminal device 10. The mini application 30 includes, for example, a mini application for credit card services and a mini application for bank services.

[0014] [First store terminal device] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image (code information) 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).

[0015] [Second store terminal device] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores 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 that 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 an application for franchise stores.

[0016] [Payment Server] 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, the 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 the payment information is transmitted from the first store terminal device 50.

[0017] 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.

[0018] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 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 that can identify the store to the domain of the electronic payment service, and is associated with the franchise store ID, 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 store ID corresponding to the store URL, obtains information on the franchise store name and 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 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). Note that when the store code image 60 is displayed by a display placed in the store, a display unit of the first store terminal device 50, etc., 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 store name may be included and displayed on the payment completion screen.

[0019] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment application 20 (S13). The payment 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 payment information including the one-time code, the payment amount, the franchise store ID, the store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] Note that the electronic payment 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 payment 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 payment server 100 identifies the user corresponding to the account ID.

[0021] [Functional Configuration of Payment Server] FIG. 4 is a configuration diagram of the settlement server 100. The settlement server 100 includes, for example, a communication unit 110, a 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), GPU (Graphics Processing Unit), or SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-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.

[0022] 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, content information 174, and affiliated store / store information 176 is stored in the storage unit 170. Some of this information may be stored in the storage unit of the user terminal device 10.

[0023] 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.

[0024] The 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 content providing unit 120 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-described payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides information necessary for generating the content to the payment application 20.

[0025] 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.

[0026] [User Information] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. 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, registration date, remaining charge amount, 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, registration of a phone number and a password is required. 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, and the name, address, and date of birth are also information that the user can optionally set (it is not necessary to set it). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). 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.

[0027] 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 an ATM (Automatic Teller Machine) of a designated operator (bank), remittance from a 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, in reality, 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 payment service. The charge history information is the history of the user increasing the remaining balance of the charge by remitting money to the electronic payment 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.

[0028] [Merchant / Store Information] Figure 6 is a diagram showing an example of the content of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which a merchant ID and a store ID are associated with the store URL, a second table 176B in which a merchant name and a sales amount (described above) are associated with the merchant ID, and a third table 176C in which a store name is associated with the store ID. In addition to these information, the merchant / store information 176 may include information such as the category of the merchant or store, the location of the store, and the settlement pattern.

[0029] [Electronic Payment] When the settlement processing unit 130 acquires settlement information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to acquire the "settlement method setting" of the user. When the "settlement method setting" is set to "charge balance" for a user, the settlement processing unit 130 performs electronic payment as follows. For example, the settlement processing unit 130 performs electronic payment by reducing the charge balance managed in association with the user ID and increasing the item value of the sales amount of the franchise store. The item value of the sales amount of the franchise store 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 store and the electronic payment service.

[0030] When the "setting information" is set to "credit payment" for a user, the settlement processing unit 130 performs electronic payment 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 a creditor and allows electronic payment that does not depend on the charge balance within the credit payment limit. 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 one lump sum on the payment date of the following month, for example, by debit from the 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, the processing for debiting the settlement amount of the current month to the payment date of the following month as described above is performed, or the operator of the credit card company is requested to perform the processing. 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] The information management unit 140 acquires information provided by other server devices and terminal devices. Based on the information acquired from the user terminal device 10 and the second store terminal device 70, the information management unit 140 manages user information 172 and franchise / store information 176. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and the franchise / store information 176.

[0032] [Credit Server] Figure 7 is a configuration diagram of the credit server 200. The credit server 200 includes, for example, a communication unit 210, an acquisition unit 220, a processing unit 230, a display control unit 240, a caching unit 250, and a storage unit 270. Components other than the communication unit 210 and the storage unit 270 are realized, for example, when a hardware processor such as a CPU executes a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as an LSI, an ASIC, an FPGA, a GPU, or an SOC, 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 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.

[0033] The storage unit 270 is an HDD, a flash memory, a RAM, etc. The storage unit 270 may be a NAS device accessible by the credit server 200 via a network. Information such as management information 280 and setting information 290 (details will be described later) is stored in the storage unit 270.

[0034] The management information 280 is information in which information related to the user or the credit card, such as identification information (credit card number) of the credit card, security code, name of the user of the credit card, expiration date, and issuer, is associated with each other. In the management information 280, further, the usage limit of the cashing service by the user and the like are associated.

[0035] The communication unit 210 is a communication interface for connecting to the network NW. The communication unit 210 is, for example, a network interface card.

[0036] The acquisition unit 220 acquires various information from other devices such as the ATM 400 and the user terminal device 10.

[0037] The processing unit 230 executes processing based on the setting information 290 described later.

[0038] The display control unit 240 causes the display unit of the user terminal device 10 to display information related to the credit card service in cooperation with the mini app 30.

[0039] The cashing unit 250 provides cash to the user via the ATM 400 based on the usage limit of the cashing service in the management information 280 and the desired amount input by the user at the ATM 400.

[0040] [Bank Server] The bank server 300 provides cash to the user via the ATM 400 from the deposit in the user's bank account in cooperation with the credit server 200.

[0041] [ATM] The ATM 400 provides cash to the user in cooperation with the credit server 200.

[0042] [Overview] In the case of a credit card without a cash card function, when providing a user with a cash card function, it is necessary to replace the credit card. Also, a credit card with a cash card function may be costly or may not provide sufficient usability for the user.

[0043] In the present embodiment, by performing the following processes, it is possible to additionally provide the service of the cash card function to a credit card without a cash card function without physically modifying the credit card. Since it is not necessary to physically add the cash card function to the medium, costs can be suppressed. Also, since the user can set the mode (bank mode or credit mode, which will be described later) to be used by operating the user terminal device 10, the convenience for the user is improved. Thus, the convenience is improved according to the present embodiment. Hereinafter, this process will be described.

[0044] The credit server 200 acquires credit card identification information (for example, a credit card number) for identifying the user's credit card. The credit server 200 refers to the setting information 290 in which the credit card identification information stored in the storage unit 270 is associated with the information indicating the use of the bank service or the information indicating the use of the credit card service, and executes a process for causing the device (cashing unit 250 or bank server 300) of the service provider corresponding to the setting information 290 to execute a service (the "cash withdrawal process" or the "cash deposit process", which will be described later).

[0045] The credit server 200 acquires credit card identification information from an ATM 400 having a cash deposit and withdrawal function in which the user's credit card information is read. When the information indicating the use of the credit card service is associated in the setting information 290, the credit server 200 causes the ATM 400 to withdraw cash using the cashing service of the credit card of the credit card identification information.

[0046] The process for providing the above service is, in the case of a credit card service, to cause the cashing unit 250 to provide the user with cash via the ATM 400 based on the user's cashing service usage limit and the desired amount of the user.

[0047] The credit server 200 acquires credit card identification information from an ATM 400 having a cash deposit and withdrawal function in which the user's credit card information is read. When information indicating the use of a bank service is associated in the setting information 290, the credit server 200 causes the ATM 400 to withdraw the deposit of the bank account corresponding to the credit card identification information.

[0048] The credit server 200 acquires credit card identification information for identifying a credit card from an ATM 400 having a cash deposit and withdrawal function in which the user's credit card information is read. The credit server 200 causes the ATM 400 having a cash deposit and withdrawal function to withdraw the deposit of the bank account associated with the credit card identification information stored in the storage unit 270.

[0049] The process for providing the above service is, in the case of a bank service, to cause the bank server 300 to provide the user with cash via the ATM 400 based on the deposit balance of the user's bank account and the desired amount of the user. For example, when the bank server 300 determines that the desired amount can be withdrawn from the deposit, the bank server 300 subtracts the desired amount from the deposit balance and further provides the credit server 200 with the above determination result and the amount to be withdrawn. The credit server 200 causes the ATM 400 to pay out cash based on the information acquired from the bank server 300.

[0050] The operator providing the service of the ATM 400, the operator of the credit server 200, and the bank of the bank server 300 may be different operators, or some or all of them may be the same. The amount paid out to the user from the ATM 400 (the amount subtracted from the deposit balance) may be provided to the operator of the ATM 400 in the following pattern (1) or (2).

[0051] (1) During a certain period cycle (or the timing of payment to the operator of ATM400 set in advance), the amount disbursed by ATM400 from the bank (bank server 300) to the credit card operator (credit server 200) is credited, and the credit card operator pays the amount disbursed to the operator of the ATM (ATM400). In this case, a transfer may be carried out from the user's bank account to the bank account of the credit card operator.

[0052] (2) It may be directly paid from the bank (bank server 300) to the operator of ATM400. In this case, the credit card operator calculates the amount to be paid by the bank, notifies the bank of the amount, and the notified amount may be paid from the bank to the operator of ATM400.

[0053] When the cashing service is used, the credit card operator pays the amount disbursed by ATM400 in the cashing service to the operator of ATM400 in a cycle of a certain period (or a preset Tamaya). Thereby, the smoothly disbursed amount is managed.

[0054] In this embodiment, as an example, the settlement app 20, the mini app 30, etc. are described as being provided in the electronic payment service, but it is not limited thereto, and the service of this embodiment may be provided by apps or websites provided by banks, credit card companies, and other service providers.

[0055] [Setting of setting information] The credit server 200 causes the display unit of the user terminal device 10 to display buttons for setting to use credit card services using the ATM 400 or buttons for setting to use bank services. The credit server 200 manages information on operations on the buttons performed by the user in order to execute a process for causing the service provider's devices (cashing unit 250, ATM 400) to provide services when the user has the information on the credit card read by the ATM 400.

[0056] The credit server 200, for example, associates information indicating use of bank services or information indicating use of credit card services in the setting information 290 with the credit card identification information according to the information transmitted by the user operating the user terminal device 10.

[0057] The credit server 200 causes the display unit of the user terminal device 10 to display buttons for setting to use credit card services using the ATM 400 or buttons for setting to use bank services.

[0058] FIG. 8 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. The interface screen IF1 is a home screen when the user operates the payment application 20. The interface screen IF1 includes, for example, various services of the electronic payment service and buttons for starting the mini application 30. When the user performs an operation to start a predetermined mini application 30, the interface screen IF2 is displayed on the display unit. The predetermined mini application 30 is, for example, a mini application 30 that provides credit card services in cooperation with the credit server 200.

[0059] The interface screen IF2 includes, for example, information about various services provided by the credit card service and buttons for receiving various services. When the user performs an operation (operation for mode setting) to set the setting information 290, for example, the mini app 30 causes the display unit to display the interface screen IF3.

[0060] The interface screen IF3 is a button for setting whether to use the bank mode or the credit mode in the cash withdrawal process. Based on the user's operation on the interface screen IF3, the credit server 200 generates the setting information 290.

[0061] The credit mode is a mode in which when the user causes the ATM 400 to read the information of the credit card, cash is provided to the user using the cashing service of the credit card. The bank mode is a mode in which when the user causes the ATM 400 to read the information of the credit card, cash is provided to the user using the bank deposit balance.

[0062] FIG. 9 is a diagram showing an example of the content of the setting information 290. The setting information 290 is information in which, for example, the credit card number, the mode set on the interface screen IF3, and the bank information provided by the user in other processes are associated with each other. The bank information is, for example, the identification information of the bank, the bank account number, the information of the account holder of the bank, and the like.

[0063] The other process may be a process in which the user registers bank information, or a process in which the credit server 200 and the bank server 300 are coordinated. For example, when the bank information has not been provided by the user, the credit server 200 causes the display unit to display an interface screen for requesting permission to obtain the bank information from the bank server 300 in cooperation with the bank server 300. When the user permits, the credit server 200 and the bank server 300 perform ID coordination using the identification information of the user to share the bank information.

[0064] When the user has not applied for the credit card cashing service, the credit server 200 may display an interface screen for application on the display unit. When the user has not opened a bank account, the credit server 200 or the bank server 300 may display an interface screen for application for opening a bank account on the display unit. By providing the necessary information on each of the above interface screens, it becomes possible to use the cashing service or obtain bank information, and cash withdrawal processing becomes available.

[0065] The above bank account may be a bank account used for debit of the use of the credit card, or may be a bank account set by a user who has not used it for debit. For example, when the user holds a plurality of credit cards, the same bank account may be set for all of the plurality of credit cards, or different bank accounts may be set for each credit card. Also, the bank account may be a bank account of a bank belonging to the same group as the electronic payment service or the credit card, or may be a bank account outside the group.

[0066] [Interface Screen Displayed by ATM] The ATM 400 reads the information of the credit card presented by the user. When the user operates the button for using the service using the credit card displayed on the display unit of the ATM 400, the credit server 200 executes a process for causing the device of the service provider according to the setting information 290 to provide the service.

[0067] When the user inserts a credit card into the ATM 400, the ATM 400 displays the interface screen IF4 on the display unit of the ATM 400. The ATM 400 recognizes that the credit card has been inserted, for example, based on the information stored in the storage unit of the IC chip of the credit card C or the magnetically stored information, and displays the interface screen IF4 of the credit card service on the display unit.

[0068] FIG. 10 is a diagram showing an interface screen IF4. The interface screen IF4 includes, for example, a first button for withdrawal and a second button for inquiring about the available withdrawal amount. When the second button is operated, the available withdrawal amount is displayed, and when the first button is operated, a withdrawal is made. The provision of the available withdrawal amount and the processing of the withdrawal at this time are executed according to the mode of the setting information 290.

[0069] In the case of the credit mode, the available amount of the cashing service is provided, and a withdrawal using the cashing service is made. In the case of the bank mode, the amount that can be withdrawn from the bank deposit balance is provided, and a withdrawal using the deposit balance is made.

[0070] Note that when the above first button is operated, the ATM 400 accepts an input of the desired amount that the user wishes to withdraw and an input such as a password, and makes a withdrawal in cooperation with the credit server 200.

[0071] [Interface Screen Displayed by Mini App] When the above withdrawal is made, the mini app 30 displays the content of the process executed on the display unit of the user terminal device 10. FIG. 11 is a diagram showing an interface screen IF5 displayed by the mini app 30. The interface screen IF5 is, for example, an interface screen provided when the user makes a withdrawal using the cashing service. For example, the usage amount (withdrawal amount) of the cashing service, information indicating that the cashing service has been used, information on the remaining usage limit, etc. are displayed.

[0072] When a withdrawal is made using the bank deposit balance, the usage amount (withdrawal amount) withdrawn from the deposit balance, information indicating that the bank deposit balance has been used, information on the deposit balance after the withdrawal, etc. are displayed.

[0073] The change button on the interface screen IF5 cancels the used mode and changes to another mode (see Fig. 13 described later for details). For example, it is a change button for changing to the use of the cashing service after using the deposit balance, or changing to the use of the deposit balance after using the cashing service.

[0074] [Sequence Diagram] Fig. 12 is a sequence diagram showing an example of the flow of processing executed by the ATM 400, the credit server 200, and the bank server 300. When the user inserts a credit card into the ATM 400, the ATM 400 reads the information of the credit card and displays the interface screen of the credit card service on the display unit (S100). Next, when the user operates the first button for withdrawal, the ATM 400 provides instruction information for instructing withdrawal to the credit server 200 according to the operation (S102). The instruction information includes, for example, the credit card number, the expiration date, and the information of the issuer.

[0075] After the process of S102, the credit server 200 may determine whether the credit card is a credit card capable of executing the cash withdrawal process. For example, if the credit card is a credit card that cannot use the cashing service (a credit card for which the application has not been made or there is no usage quota), or if the credit card is a credit card for which the bank information is not managed in the setting information 290, the credit server 200 notifies the ATM 400 of information indicating that withdrawal cannot be performed. In this case, the ATM 400 displays on the display unit that withdrawal cannot be performed.

[0076] The credit server 200 may confirm the validity of the credit card based on the above instruction information. For example, a score indicating the possibility of fraud is derived based on the credit card number, the expiration date, the issuer, the location where the ATM 400 is installed, etc. If the score is equal to or higher than the threshold value, the credit server 200 notifies the ATM 400 of information indicating that withdrawal cannot be performed. In this case, the ATM 400 displays on the display unit that withdrawal cannot be performed.

[0077] When the credit server 200 acquires the instruction information of S102, it refers to the setting information 290 to confirm the mode of the cash withdrawal process (S104). If it is in the credit mode, the credit server 200 provides cash to the user via the ATM 400 using the usage quota of the cashing service (S106, S108).

[0078] If it is in the bank mode, the credit server 200 requests the bank server 300 to withdraw money from the deposit (S110). For example, the credit server 200 provides the bank server 300 with the desired amount of withdrawal that the user entered at the ATM 400 and the bank information associated with the credit card.

[0079] The bank server 300 executes the process of payment from the deposit in response to the request (S112). For example, the bank server 300 determines whether the desired amount can be withdrawn from the balance of the bank account of the bank information, and provides the result of the determination to the credit server 200.

[0080] The credit server 200 acquires the result of the process of the bank server 300 and makes a request for payment to the ATM 400 (S114). When information indicating that withdrawal cannot be made from the bank server 300 is provided, or when the user cannot use the cashing service, the credit server 200 notifies the ATM 400 that payment cannot be made. This notification may be provided to the user terminal device 10.

[0081] When the process is completed, the credit server 200 provides a completion notification to the user terminal device 10 (S116). For example, the interface screen IF5 of FIG. 11 described above is displayed on the display unit, and the user can confirm the service used. After executing the process for causing the device of the service provider according to the setting information 290 to provide the service, information indicating that the process has been completed is notified to the user terminal device 10.

[0082] In addition, information regarding the process may be notified to the user terminal device 10 during the process. In the above process, after the credit card is inserted into the ATM 400, the credit server 200 may notify the user terminal device 10 of information on the set mode, information indicating that the credit card has been inserted into the ATM 400, information indicating that the withdrawal operation (first button) has been performed, and the like. As a result, the user can easily recognize the service being used.

[0083] [Change process] After the credit server 200 executes a process for causing the device of the service provider according to the setting information 290 to provide the service, when the credit server 200 acquires instruction information instructing to change to a service different from the service executed from the user terminal device 10, the executed service is canceled and changed to a different service.

[0084] For example, the interface screen displayed on the ATM 400 after the credit card is inserted is predetermined. When the user operates the first button for withdrawal, withdrawal is performed in the mode of the setting information 290. However, if the user forgets to switch the mode of the setting information 290 or misinterprets the set mode, withdrawal may be performed in an unintended mode. From the above, the mode used can be changed by operating the change button on the interface screen IF5 of FIG. 11, which is a completion notification when the process is completed. The period during which the change process is possible may be restricted.

[0085] FIG. 13 is a flowchart showing an example of the flow of the change process that enables mode change. First, the credit server 200 determines whether a change request has been made (S200). For example, it is determined that a change request has been made when the change button is operated.

[0086] When a change request is made, the credit server 200 makes a change request to the bank server 300 (S202). For example, the bank server 300 obtains information on the amount and bank account from the credit server 200, determines whether it is possible to withdraw the amount from the deposit balance, and transmits the result of the determination to the credit server 200.

[0087] The credit server 200 obtains the result of the determination from the bank server 300 and completes the change process (S204, S206). For example, when the change is possible, the credit server 200 cancels the use of the cashing service, changes to a withdrawal from the deposit balance, and notifies the user terminal device 10 to that effect. When the deposit balance is insufficient, information indicating that the change cannot be made is provided from the bank server 300, and the credit server 200 notifies the user terminal device 10 of the inability to change.

[0088] When changing from using the deposit balance to using the cashing service, if the available quota for the cashing service is insufficient, the change cannot be made. When the available quota for the cashing service meets the conditions, the amount withdrawn from the deposit balance is returned (for example, the electronic ledger is rewritten by the credit server 200 or the bank server 300). Thereby, the processing of one routine of this flowchart ends.

[0089] [Cash Deposit Processing] In the above example, the process of withdrawing cash from the ATM 400 has been described. In addition to (or instead of) this, a process of depositing cash into the ATM 400 may be performed.

[0090] The credit server 200 obtains credit card identification information from the ATM 400 where the user's credit card information has been read. When information indicating the use of the bank service is associated in the setting information 290, the credit server 200 causes the cash inserted into the ATM 400 to be transferred to the bank account corresponding to the credit card identification information.

[0091] The credit server 200 acquires credit card identification information from the ATM 400 where the user's credit card information has been read. When information indicating that the credit card service is to be used is associated in the setting information 290, the credit server 200 causes the company of the credit card for which the credit card identification information pertains to transfer the cash inserted into the ATM 400.

[0092] FIG. 14 is a diagram showing an interface screen IF6 that the ATM 400 causes to be displayed on the display unit. The interface screen IF6 includes, for example, a first button for cash withdrawal, a second button for inquiring about the available withdrawal amount, and in addition, a third button for cash deposit. When the third button is operated, cash deposit becomes possible. The destination of the deposit at this time is executed according to the mode of the setting information 290.

[0093] In the case of the credit mode, the cash to be deposited is processed as repayment for the cashing service for which repayment is required. This processing may be so-called ATM repayment, or may be processing in which repayment is made by depositing (transferring) to a bank account designated by the credit card company. ATM repayment means that repayment for the borrowing of the cashing service is made by depositing cash into the ATM 400.

[0094] In the case of the bank mode, the cash to be deposited is added to the deposit balance of the bank account set in the setting information 290.

[0095] The mode setting may be common to the cash withdrawal process and the cash deposit process, or may be different. FIG. 15 is a diagram showing an interface screen IF3-1 for mode setting of the cash withdrawal process and an interface screen IF3-2 for mode setting of the cash deposit process.

[0096] On the interface screen IF3-1 displayed when the user performs a predetermined operation, the user can change the mode of the cash withdrawal process. The credit server 200 changes the mode of the cash withdrawal process in the setting information 290 according to the operation.

[0097] In the interface screen IF3-2 displayed when the user performs a predetermined operation, the user can change the mode of the cash deposit process. The credit server 200 changes the mode of the cash deposit process in the setting information 290 according to the operation.

[0098] In the setting information 290, a mode is set for each cash withdrawal process and a mode is set for each cash deposit process. The credit server 200 refers to the above setting information 290, provides cash to the user in a mode corresponding to the cash withdrawal process, and transfers the deposited cash to a transfer destination according to the mode in a mode corresponding to the cash deposit process.

[0099] Also, in the cash deposit process, the following may be implemented. When a button for deposit is pressed in the cashing service in credit mode, in the normal cashing service, the cashing amount (repayable amount) of the user may be displayed, and cash deposit may be possible within that amount. In the case of bank mode, deposit may be possible regardless of the cashing amount. For example, when a credit card is inserted into the ATM 400 and the deposit button is operated, in the case of credit mode, the credit server 200 may send the actually repayable amount to the ATM 400 and display the amount on the screen of the ATM 400. In the case of bank mode, in order to accept deposits regardless of the repayable amount of the user, the maximum depositable amount may be sent from the bank server 300 to the ATM 400 and the maximum amount may be displayed on the screen of the ATM 400. This improves the convenience of the user.

[0100] [Sequence Diagram] FIG. 16 is a sequence diagram showing an example of the flow of cash deposit processing executed by the ATM 400, the credit server 200, and the bank server 300. When a user inserts a credit card into the ATM 400, the ATM 400 reads the information of the credit card and displays an interface screen for credit card services on the display unit (S300). Next, when the user operates the third button for deposit, the ATM 400 provides instruction information for instructing a deposit to the credit server 200 according to the operation (S302). The instruction information includes, for example, the credit card number, the expiration date, and the information of the issuer.

[0101] After the process of S302, the credit server 200 may determine whether the credit card is a credit card capable of executing cash deposit processing. For example, if the credit card is a credit card that cannot be used for cash deposit processing (a credit card for which a cash advance service has not been applied for or a credit card for which the cash advance service has not been used), or if the bank information is not managed in the setting information 290, the credit server 200 notifies the ATM 400 of information indicating that a deposit cannot be made. In this case, the ATM 400 displays on the display unit that a deposit cannot be made.

[0102] The credit server 200 may confirm the validity of the credit card based on the above instruction information. For example, a score indicating the possibility of fraud is derived based on the credit card number, the expiration date, the issuer, the location where the ATM 400 is installed, etc. If the score is equal to or higher than the threshold value, the credit server 200 notifies the ATM 400 of information indicating that a deposit cannot be made. In this case, the ATM 400 displays on the display unit that a deposit cannot be made.

[0103] When the credit server 200 acquires the instruction information in S302, it refers to the setting information 290 to confirm the mode of the cash deposit process (S304). If it is the credit mode, the credit server 200 uses the cash deposited by the user to execute an ATM repayment (or a process of transferring the money to the account designated by the credit card company), and provides information indicating that the ATM repayment has been executed via the ATM 400 (S306, S308).

[0104] If it is the bank mode, the credit server 200 requests the bank server 300 to deposit the cash deposited by the user (S310). For example, the credit server 200 provides the bank server 300 with information indicating the information of the bank account associated with the credit card and the amount of the deposit.

[0105] The bank server 300 executes a process of depositing the amount deposited in response to the request into the deposit account (S312). For example, the bank server 300 adds the amount deposited to the balance of the bank account of the bank information, and provides the credit server 200 with information indicating that the addition has been completed.

[0106] The credit server 200 acquires the completion notice obtained from the bank server 300 and notifies the ATM 400 of this (S314). Thereby, the ATM 400 causes the display unit to display an interface screen indicating that the deposit has been completed.

[0107] When the process is completed, the credit server 200 provides the completion notice to the user terminal device 10 (S316).

[0108] In addition, in the above process, after the credit card is inserted into the ATM 400, the credit server 200 may notify the user terminal device 10 of information on the set mode, information indicating that the credit card has been inserted into the ATM 400, information indicating that the operation of the deposit operation (the third button) has been performed, etc. Thereby, the user can easily recognize the service that he or she is trying to use.

[0109] Even in the cash deposit process, change processing may be performed. For example, after the repayment of the cashing service is made, the credit server 200 may cancel this repayment according to the user's operation and deposit it into the deposit account. For example, after the deposit into the deposit account is made, the credit server 200 may cancel this deposit according to the user's operation and change it to the repayment of the cashing service. Even when a process unintended by the user is performed in this way, it can be corrected to the intended process by making a change.

[0110] According to the embodiment described above, the settlement server 100 refers to the setting information 290 in which the credit card identification information stored in the storage unit 270 is associated with the information indicating the use of the bank service or the information indicating the use of the credit card service, and by executing the process for causing the device of the service provider corresponding to the setting information 290 to provide the service, the convenience of the user can be improved.

[0111] As described above, the embodiments for carrying out the present invention have been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0112] 10 User terminal device 20 Settlement application 30 Mini-application 50 First store terminal device 100 Settlement server 120 Content providing unit 130 Settlement processing unit 140 Information management unit 200 Credit server 220 Acquisition unit 230 Processing unit 240 Display control unit 250 Cashing unit 300 Bank server 400 ATM

Claims

1. An acquisition unit that acquires credit card identification information for identifying a user's credit card; A processing unit that executes a process for causing a device of a service provider corresponding to the setting information to provide a service by referring to the credit card identification information stored in the storage unit and setting information in which information indicating use of a banking service or information indicating use of a credit card service is associated with the credit card identification information; The banking service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having an automated teller machine function; The processing unit: Associates information indicating use of a banking service or information indicating use of a credit card service in the setting information with the credit card identification information according to information transmitted by the user operating the user terminal device; An information processing device.

2. The information processing device according to claim 1, further comprising a display control unit that displays, on a display unit of the user terminal device, a button for setting use of the credit card service using the terminal device having the automated teller machine function or a button for setting use of the banking service. The information processing device according to claim 1.

3. An acquisition unit that acquires credit card identification information for identifying a user's credit card; A processing unit that executes a process for causing a device of a service provider corresponding to the setting information to provide a service by referring to the credit card identification information stored in the storage unit and setting information in which information indicating use of a banking service or information indicating use of a credit card service is associated with the credit card identification information; The banking service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having an automated teller machine function; The processing unit: After executing a process for causing a device of a service provider corresponding to the setting information to provide a service, when acquiring instruction information instructing a change to a service different from the service executed from the user terminal device of the user, cancels the executed service and changes to the different service; An information processing device.

4. The acquisition unit acquires the credit card identification information from the terminal device having the cash deposit and withdrawal function, from which the user's credit card information has been read. When information indicating the use of a bank service is associated in the setting information, the processing unit causes the terminal device to withdraw the deposit of the bank account corresponding to the credit card identification information. The information processing apparatus according to any one of claims 1 to 3.

5. The acquisition unit acquires the credit card identification information from the terminal device having the cash deposit and withdrawal function, from which the user's credit card information has been read. When information indicating the use of a credit card service is associated in the setting information, the processing unit causes the terminal device to withdraw the cash using the credit card cashing service of the credit card corresponding to the credit card identification information. The information processing apparatus according to any one of claims 1 to 3.

6. The processing unit After executing processing for causing the device of the service provider according to the setting information to provide a service, notifies the user terminal device of the user of information indicating that the processing has been completed, or notifies the user terminal device of the user of information regarding the processing during the process of the processing. The information processing apparatus according to any one of claims 1 to 3.

7. The acquisition unit acquires the credit card identification information from the terminal device having the cash deposit and withdrawal function, from which the user's credit card information has been read. When the user reads the credit card information on the terminal device having the cash deposit and withdrawal function and the user operates a button for using the service using the credit card displayed on the display unit of the terminal device having the cash deposit and withdrawal function, The processing unit executes processing for causing the device of the service provider according to the setting information to provide a service. The information processing apparatus according to any one of claims 1 to 3.

8. The acquisition unit acquires the credit card identification information from the terminal device having the cash deposit and withdrawal function, from which the user's credit card information has been read. When information indicating the use of a bank service is associated with the setting information, the processing unit causes the cash inserted into the terminal device having the cash deposit and withdrawal function to be transferred to the bank account corresponding to the credit card identification information. The information processing apparatus according to any one of claims 1 to 3.

9. The acquisition unit acquires the credit card identification information from the terminal device having the cash deposit and withdrawal function in which the user's credit card information has been read. When information indicating the use of a credit card service is associated with the setting information, the processing unit causes the cash inserted into the terminal device having the cash deposit and withdrawal function to be transferred to the credit card company corresponding to the credit card identification information. The information processing apparatus according to any one of claims 1 to 3.

10. A computer acquires credit card identification information for identifying a user's credit card, refers to the setting information in which the credit card identification information stored in the storage unit is associated with information indicating the use of a bank service or information indicating the use of a credit card service, and executes a process for providing a service to the device of the service provider according to the setting information, The bank service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having a cash deposit and withdrawal function, associates information indicating the use of a bank service or information indicating the use of a credit card service with the credit card identification information according to the information transmitted by the user operating the user terminal device in the setting information. Information processing method.

11. To a computer cause it to acquire credit card identification information for identifying a user's credit card, refer to the setting information in which the credit card identification information stored in the storage unit is associated with information indicating the use of a bank service or information indicating the use of a credit card service, and execute a process for providing a service to the device of the service provider according to the setting information, The bank service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having a cash deposit and withdrawal function. Information indicating use of a bank service or information indicating use of a credit card service in the setting information according to information transmitted by the user operating the user's terminal device is associated with the credit card identification information. Program. **Claim 12** A computer: Obtains credit card identification information for identifying a user's credit card, Refers to the setting information in which the credit card identification information stored in the storage unit is associated with information indicating use of a bank service or information indicating use of a credit card service, and executes a process for causing a device of a service provider corresponding to the setting information to provide a service, The bank service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having an automated teller machine function, After executing a process for causing a device of a service provider corresponding to the setting information to provide a service, when obtaining instruction information instructing a change to a service different from the service executed from the user's terminal device, cancels the executed service and changes to the different service. Information processing method. **Claim 13** Causes a computer to: Obtain credit card identification information for identifying a user's credit card, Refers to the setting information in which the credit card identification information stored in the storage unit is associated with information indicating use of a bank service or information indicating use of a credit card service, and executes a process for causing a device of a service provider corresponding to the setting information to provide a service, The bank service and the credit card service are services related to a cash withdrawal process or a cash deposit process using a terminal device having an automated teller machine function, After executing a process for causing a device of a service provider corresponding to the setting information to provide a service, when obtaining instruction information instructing a change to a service different from the service executed from the user's terminal device, cancels the executed service and causes a change to the different service. Program.

Images