Electronic payment app, electronic payment system, and service provision method

Abstract

To improve user convenience.SOLUTION: An electronic payment application causes a computer with a display unit to execute: processing for, when a user performs an operation for performing charge of electronic money to an electronic wallet of the user of an electronic payment service, displaying information on an asset of the user managed by other services on an interface screen which receives the charge; and processing for, when the user performs the operation for performing the charge using the asset, executing the charge using a part or the whole of the asset.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an electronic payment application, an electronic payment system, a service providing method, an electronic payment server, and a program. [Background technology]

[0002] Conventionally, a terminal device has been disclosed in which, when a processor deposits electronic money from a pre-registered bank account into an electronic wallet, the processor obtains information regarding the amount of future withdrawals from the bank account from a server that manages the bank account, and if the balance after deducting the amount of future withdrawals from the current balance of the bank account is less than the amount of future deposits indicating the amount of electronic money to be deposited from the bank account, alert information is displayed on the display (see, for example, Reference 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2021-144636 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technologies have not always provided sufficient convenience for users.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an electronic payment app, an electronic payment system, a service provision method, an electronic payment server, and a program that can improve user convenience. [Means for solving the problem]

[0006] One aspect of the present invention is an electronic payment app that causes a computer having a display unit to perform the following processes: when a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, the process displays information about the user's assets managed by another service on an interface screen that accepts the charge; and when the user performs an operation to charge using the assets, the process performs the charge using some or all of the assets. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an electronic payment application, an electronic payment system, a service providing method, an electronic payment server, and a program that can improve user convenience. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100 according to the first embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 10 is a diagram showing an example of a top screen IF1 of the payment application 20. [Figure 8] FIG. 10 is a diagram showing an example of an interface screen IF2 for charging. [Figure 9] FIG. 10 is a diagram showing an example of an interface screen IF2#. [Figure 10] FIG. 2 is a diagram showing an example of an interface screen IF10. [Figure 11] FIG. 10 is a sequence diagram showing an example of a process in which payment application 20, payment server 100, and securities server 200 cooperate to provide information (interface screens IF2, IF2#) to a user. [Figure 12] FIG. 10 is a sequence diagram showing an example of processing performed by the payment application 20, the payment server 100, and the securities server 200 in cooperation with each other to charge. [Figure 13] FIG. 10 is a diagram showing an example of an interface screen IF2(1) of Modification 1. [Figure 14] FIG. 10 is a diagram showing an example of an interface screen IF2(1) of Modification 1. [Figure 15] FIG. 10 is a diagram illustrating a third modified example. DETAILED DESCRIPTION OF THE INVENTION

[0009] An embodiment of an electronic payment app of the present invention will be described below with reference to the drawings. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program will be referred to as the payment app. The electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity other than the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [overview] The payment app of this embodiment causes a computer having a display unit to perform the following processes: when a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, the process displays information about the user's assets managed by other services on an interface screen that accepts the charge (e.g., Figures 8 and 9, etc.); and when a user performs an operation to charge using the above-mentioned assets, the process executes a charge using part or all of the assets.

[0011] An "electronic wallet" is information that associates a user's identification information, which is managed in an electronic payment service (payment server), with the charge balance that the user can use in the electronic payment service (see user information 172 in Figure 5, which will be described later). A "charge operation" is any operation, such as operating a button for charging on an interface screen (provided by the payment app) provided by the payment app and the payment server in cooperation. The above operation is, for example, an operation to increase the charge balance associated with the user's identification information in the electronic wallet.

[0012] "Other services" are any services other than electronic payment services (including services provided by electronic payment services) that manage users' property (including assets), and include, for example, services that manage and buy and sell securities, services that manage points (e.g., points from other services), banking services, flea market services (services that manage flea market sales), and auction services (services that manage auction sales). "Property" includes, for example, securities (financial products), points, deposits, sales proceeds, etc. Property is managed, for example, electronically.

[0013] The "process for executing the charge using part or all of the assets" refers to a process for converting part or all of the assets into a charge balance to increase the user's charge balance. For example, it refers to a process in which a payment server, a payment app, and another service server work together to convert part or all of the assets into electronic money and increase the charge balance. In this process, the assets may actually be sold, or the assets may simply be considered to have been sold for administrative purposes (bookkeeping purposes) and the charge may be performed as described above. For example, the other service server may sell securities, which are the assets, and instruct the payment server to add the proceeds from the sale to the charge balance, thereby executing the charge. Alternatively, the other service server may instruct the payment server to add the amount of money that would be obtained if the securities were sold without actually selling them. As described above, the "process for executing the charge using part or all of the assets" refers to a process in which the payment server, a payment app, and another service server work together to apply the assets of the other service server to the charge balance in accordance with a user's instructions.

[0014] Some or all of the processing of the payment app may be executed by another device, such as a payment server. Furthermore, various processes may be executed in cooperation between the payment app and the payment server. That is, the payment server may execute the following processes: when a user of an electronic payment service executes an operation to charge electronic money to the user's electronic wallet, the payment server displays information about the user's assets managed by another service on an interface screen that accepts the charge; and when the user executes an operation to charge using the assets, the payment server executes the charge using some or all of the assets.

[0015] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, 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, and a securities server 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, etc.

[0016] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0017] The payment app 20 includes one or more mini apps such as a securities app 30. For example, when the payment app 20 is downloaded to the user terminal device 10, the mini apps included in the payment app 20 are also downloaded to the user terminal device 10. A mini app is an application developed to be able to be launched within the payment app 20. For example, the mini app is launched within the payment app 20 and displays various screens using a web view function. When the securities app 30 is launched, the securities app 30 cooperates with the securities server 200 (an API (Application Programming Interface) provided by the securities server 200) to display content (securities content) provided by the securities server 200 on the display unit of the user terminal device 10. For example, the securities app 30 accesses a uniform resource locator (URL) and displays HTML (Hyper Text Markup Language) content provided by the securities server 200 using a web view function.

[0018] In this embodiment, the electronic payment service is described as including a securities server 200 and a securities application 30 as an example, but instead of (or in addition to) this, it may also include other service servers that manage the user's assets and mini-applications for other services.

[0019] The first store terminal device 50 is installed, for example, in a store. 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. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0020] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0021] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0022] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0023] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0024] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0025] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0026] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0027] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store / shop information 176.

[0028] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0029] The payment content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0030] 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.

[0031] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, deferred payment settings, deferred payment limit, deferred payment usage amount, deferred payment available amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). The email address, name, address, and date of birth are also information that can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0032] The charge balance is information indicating the balance of electronic money that has been set by the user by transferring money to the account in advance. Methods of transfer include transfer from an ATM (Automatic Teller Machine) of a designated business (bank) or transfer from a registered bank account. Furthermore, the charge balance may be charged (transferred) using securities managed by the securities server 200 (another service server), as will be described later.

[0033] The deferred payment setting is information indicating whether the settings for enabling deferred payment electronic payments have been completed, and is set to either "completed" or "not completed." The deferred payment limit is the monthly limit on the amount of deferred payment available. The deferred payment usage amount is the amount of deferred payment already used in the current month. The available deferred payment amount is the amount of deferred payment available in the current month, calculated by subtracting the deferred payment usage amount from the deferred payment limit. While only one deferred payment limit is shown in the figure, in reality there may also be daily upper limits, and the lower of these may be set as the deferred payment limit. Further details on deferred payment will be described later. The payment method setting is setting information indicating whether the user will currently make electronic payments using their charge balance or by deferred payment. The bank account and credit card number are information (account number and card number) on bank accounts or credit card numbers that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase their charge balance. The payment history information is information that indicates the details of the payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

[0034] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store ID. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0035] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc. the user information 172 and the affiliated store / store information 176.

[0036] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0037] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit card payment," which is set in 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 payments within the deferred payment limit, independent of the charge balance. Note that obtaining a credit card provided by the operator of the electronic payment service may be required to receive the deferred payment service. The amount used for deferred payment is settled in full for one month on the payment date of the following month, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional settlement by adding the settlement amount to the deferred payment amount and subtracting the same amount from the available deferred payment balance. On the closing date, the payment for the current month is debited on the payment date of the following month, as described above. Note that if the settlement amount exceeds the available deferred payment balance at the time of provisional settlement, an error notification is returned to the payment app 20.

[0038] The securities server 200 works in cooperation with the securities application 30 to display securities content on the display unit of the user terminal device 10, and also buys, sells, and manages securities in response to user operations on the securities application 30. As will be described later, the securities server 200 works in cooperation with the securities application 30 to sell part or all of the securities, and instructs the payment server 100 to charge using the money obtained from the sale.

[0039] [Top screen] FIG. 7 is a diagram showing an example of the top screen IF1 of the payment application 20. A code image CD is displayed on the top screen IF1. The code image CD includes, for example, a barcode and a QR code. The top screen IF1 also includes a button B1 for charging. The "button (switch)" is a GUI (Graphical User Interface) implemented in cooperation with a touch panel. When button B1 is operated ("when a charging operation is performed"), the screen transitions to an interface screen IF2 for charging. The top screen IF1 also includes buttons for starting various services and launching prepared mini-apps. The various services include services provided by the electronic payment service and services linked to the electronic payment service.

[0040] 8 is a diagram showing an example of an interface screen IF2 for charging. The interface screen IF2 includes, for example, areas AR1, AR2, and AR3. Area AR1 is, for example, an area for inputting the charging amount.

[0041] The area AR2 is, for example, a widget area (specific area) in which user information managed by the securities server 200 is displayed. The area AR2 is, for example, a widget area (specific area) in which the securities server 200 is set to display user information. Widgets The payment application 20 cooperates with the securities server 200 to cause the securities server 200 to display user information in the area AR2. As described above, the information displayed in the area AR2 is not an area where the payment application 20 and the payment server 100 display information, but an area where the securities server 200 displays information. For example, the area AR2 displays information about the securities held by the user (securities content). The securities content may display, for example, the total amount of the securities or the type of securities.

[0042] Area AR3 includes, for example, buttons for specifying a charging method, such as charging using an ATM, charging using a bank, charging using an affiliated point service, auto-charging, or other charging methods offered by electronic payment services (examples of "reception section"), for example.

[0043] When the user operates (for example, taps) area AR2 of interface screen IF2, interface screen IF2# is displayed with the content of area AR4 superimposed thereon while the display of interface screen IF2 is maintained.

[0044] 9 is a diagram showing an example of the interface screen IF2#. The area AR of the interface screen IF2# is set by the securities server 200 to display user information, for example. Widgets area (specific area). Payment application 20 cooperates with securities server 200 to cause securities server 200 to display securities content in area AR4. As described above, the securities content displayed in area AR4 is not an area where payment application 20 and payment server 100 display information, but an area where securities server 200 displays information. Area AR4 displays, for example, the types of securities managed by securities server 200 and the amounts corresponding to the types in association with each other.

[0045] The information on securities held by the user in Figure 9 is an example of "information on multiple types of assets of the user," "the size of assets for each type," or "information associating the types of assets with the size of assets for each type of asset." Note that the interface screen IF2# in Figure 9 may also display a button (an example of an "acceptance section") for specifying a charging method provided by the electronic payment service, such as charging using an ATM, charging using a bank, charging using an affiliated point service, or auto-charging.

[0046] For example, when a user selects a specific security in area AR4 and specifies the amount, the selected security is used to charge the account. For example, the specified security is sold for the specified amount, and the charge is performed using the money obtained from the sale. Note that charging may also be performed by simply specifying the security or the amount. In this case, for example, a security with a high priority may be selected, or a preset amount may be charged.

[0047] For example, when a user specifies securities and an amount, an interface screen IF10 is displayed on the display unit. FIG. 10 is a diagram showing an example of the interface screen IF10. The interface screen IF10 includes information on the securities selected by the user and the specified amount. When the user operates the Confirm button on the interface screen IF10, a charge using the securities is executed, and the charge is completed as shown on the interface screen IF11.

[0048] As described above, the user can use assets managed by other services to perform charging while the interface screen IF2 (IF2#) for performing charging is displayed.

[0049] For example, when trying to use assets managed by other services, switching between interface screens or opening multiple interface screens to check the assets managed by other services can complicate operations and make it difficult to recognize the necessary information.

[0050] In contrast, in this embodiment, as described above, the user can recognize assets managed by other services on the interface screen IF2 (IF2#), and can then use the assets to charge on the same screen, thereby improving convenience for the user.

[0051] [Sequence diagram (part 1)] FIG. 11 is a sequence diagram showing an example of a process in which payment application 20, payment server 100, and securities server 200 cooperate to provide information (interface screens IF2, IF2#) to a user.

[0052] First, when a user performs an operation to charge, payment application 20 transmits operation information indicating that the operation has been performed to payment server 100 and securities server 200 (S100, 102). The operation information includes, in addition to information indicating that the operation has been performed, for example, the content of the operation and information for identifying the user.

[0053] Next, the payment server 100 identifies content information according to the acquired operation information, and transmits the identified content information to the payment application 20 (S106, S108). Furthermore, the securities server 200 identifies information on securities held by the user (held securities information) according to the acquired operation information, and transmits the identified content information to the payment application 20 (S110, S112). For example, the securities server 200 manages user information. The user information is information in which the user's identification information is associated with the type and amount of securities held by the user. The securities server 200 identifies the user's held securities information by referring to the user information.

[0054] In the above example, the securities server 200 is described as acquiring the operation information from the payment application 20, but instead of (or in addition to) this, the operation information may be acquired from the payment server 100.

[0055] Next, payment application 20 displays an interface screen (interface screen IF2) including the information acquired in S108 and S112 on the display unit. For example, payment application 20 sets a specific area (area AR2) and causes securities server 200 to display held securities information in the specific area and content information in the other areas.

[0056] Next, when the user performs an operation on the specific area displaying the held securities information, payment application 20 transmits the operation information to securities server 200 (S116, S118). Next, securities server 200 identifies detailed information about the held securities information in response to the acquisition of the operation information in S118, and transmits the identified detailed information to payment application 20 (S120, S122). Securities server 200 identifies the detailed information by referring to the user information as described above.

[0057] Next, payment application 20 causes the display unit to display an interface screen (interface screen IF2#) including the detailed information acquired in S122. For example, payment application 20 sets a specific area (area AR4) and causes securities server 200 to display the detailed information in the specific area (S124).

[0058] As described above, the payment application 20, payment server 100, and securities server 200 work together to display held securities information and detailed information on the interface screen when performing a charge provided by the payment application 20. This allows the user to easily check the securities information.

[0059] In the above example, it has been described that securities server 200 displays held securities and detailed information in a specific area, but this information may be acquired by payment application 20 and displayed in a specific area on the interface screen, or payment server 100 may acquire this information from securities server 200 and provide content information including this information to payment application 20. Furthermore, payment application 20 may cooperate with payment server 100 or securities server 200 to provide securities content in a specific area.

[0060] [Sequence diagram (part 2)] FIG. 12 is a sequence diagram showing an example of a process in which payment application 20, payment server 100, and securities server 200 cooperate to execute charging.

[0061] First, when a user performs an operation to confirm the recharge, payment application 20 transmits operation information indicating that the operation has been performed to securities server 200 (S200, S202). This operation information may be transmitted to securities server 200 via payment server 100. Next, securities server 200 executes a process to sell the securities specified by the user (S204).

[0062] Next, the securities server 200 transmits charge information to the payment server 100 (S206). The charge information includes the amount obtained by selling the securities (charge amount) and a charge instruction. Next, the payment server 100 executes charge based on the charge information (S208), and when the charge is completed, notifies the payment application 20 of the completion of the charge (S210). Next, the payment application 20 displays an interface screen including information indicating that the charge has been completed on the display unit (S212).

[0063] As described above, when the user performs an operation to charge using securities while the interface screen that is displayed when charging is displayed, charging using securities is performed while the interface screen is displayed. This allows the user to easily charge using securities without switching interface screens.

[0064] In the above example, it has been described that interface screen IF2# is displayed after interface screen IF2 is displayed, but instead, the display of interface screen IF2 may be omitted, or an area AR4 may be set on interface screen IF2, and securities content may be displayed in area AR4. Also, instead of charging in response to an operation on interface screen IF2#, charging may be performed in response to an operation on interface screen IF2. Interface screen IF2 or interface screen IF2# is an example of an "interface screen that accepts the charge."

[0065] <Variation 1> In the above example, the securities server 200 is described as providing information to a specific area, but instead of (or in addition to) this, another service server may provide information to a specific area. The other service server may be any server that manages the user's assets, such as a server that manages points or a server that manages the user's sales at internet auctions or flea markets.

[0066] 13 is a diagram showing an example of the interface screen IF2(1) of Modification 1. In the area AR2 of the interface screen IF2(1), for example, information on the user's points managed by the point server may be displayed instead of (or in addition to) the held securities information. When the user performs a predetermined operation, a process similar to the above-described process is executed in cooperation with the point server, and the user's points are used to charge the card.

[0067] As described above, the user can charge using assets managed by another server with a simple operation, which improves user convenience.

[0068] <Variation 2> In the above example, the securities server 200 is described as providing information to a specific area, but instead (or in addition), multiple other service servers may provide information to their respective corresponding specific areas.

[0069] FIG. 14 is a diagram showing an example of the interface screen IF2(1) of the first modification. For example, area AR2-1 of the interface screen IF2(2) displays information about owned securities, area AR2-2 displays information about the user's points managed by the point server, and area AR2-3 displays the user's sales managed by the auction server. That is, "information about the user's multiple assets," "the size of assets by type," or "information associating the types of assets with the size of assets for each asset type" are displayed. When the user specifies a specific service and performs a specific operation, a process similar to the above-described process is executed in cooperation with the specified service server, and a charge is made using assets managed by the service server specified by the user.

[0070] As described above, the user can easily perform charging using assets managed by a desired server from among multiple servers, thereby improving user convenience.

[0071] <Variation 3> In variant 3, when a user performs a predetermined operation on a specific area where information is provided by another server, the user can receive information from the other server, just as if the user were operating a mini-app corresponding to the other server.

[0072] FIG. 15 is a diagram illustrating Modification Example 3. For example, when a user performs a predetermined operation on area AR4 of interface screen IF2# (for example, by tapping on a specific security in area AR4 or by operating a button not shown), securities server 200 identifies information corresponding to the operation and displays the identified information in area AR4. Interface screen IF2## is an interface screen that includes the identified information. Area AR4 of interface screen IF2## displays information that is useful for determining whether to sell the security, such as the price trends and future price forecasts of the security specified by the user.

[0073] As described above, information useful for determining whether to sell securities is displayed on the display unit in area AR4. For example, in this embodiment, information that can be provided by the service server is provided to the user while the interface screen for charging is still displayed, thereby improving user convenience. For example, the user can receive information that would be provided when the mini app is launched, without having to launch the mini app, thereby improving user convenience.

[0074] According to the embodiment described above, when a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, payment application 20 performs a process to display information about the user's assets managed by other services on an interface screen that accepts the charge, and when the user performs an operation to charge using the assets, it performs a process to execute the charge using part or all of the assets, thereby improving convenience for users.

[0075] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0076] 10 User terminal device 20. Payment App 100 Payment Server 120 Payment Contents Department 122 Display control unit 130 Payment processing unit 140 Information Management Department 200 Securities server (service server)

Claims

1. An electronic payment application and a payment server that cooperates with the electronic payment application to provide an electronic payment service to a user, The electronic payment app is A computer having a display unit, When a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, a process of displaying information about the user's assets managed by another service in a widget area of ​​an interface screen that accepts the charge in cooperation with a server device of the other service; When the user performs an operation on a widget area to sell the property and charge the property while the display of the interface screen is maintained, information indicating that the operation has been performed is transmitted to the server device that manages the property directly or via a payment server; The settlement server acquires information on the amount obtained by selling the property from the server device, associates the amount with the user's electronic wallet managed by the electronic settlement service, performs the charging, and transmits information indicating that the charging has been performed to the user's computer. the electronic payment application causes a display unit of the computer to display information indicating that the charge has been completed; Electronic payment system.

2. An electronic payment application and a payment server that cooperates with the electronic payment application to provide an electronic payment service to a user, The electronic payment app is A computer having a display unit, When a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, a process of displaying information about the user's assets managed by another service in a first widget area of ​​a first interface screen that accepts the charge in cooperation with a server device of the other service; When the user performs an operation on the first widget area, which is an operation to sell the property and perform the charge, the server device manages the property and transmits information indicating that the operation has been performed directly or via a payment server to the server device, a process of displaying, on the display unit, a second interface screen for accepting the charge, which is displayed in a second widget area in cooperation with the server device, and which displays the type of the property and the amount corresponding to the type of property managed by the server device; When an operation is performed on the second widget area including the type of property and the amount corresponding to the type, which is managed by the server device, a process is executed to perform the charging using part or all of the property according to the operation; The settlement server acquires information on the amount obtained by selling the property from the server device, associates the amount with the user's electronic wallet managed by the electronic settlement service, performs the charging, and transmits information indicating that the charging has been performed to the user's computer. the electronic payment application causes a display unit of the computer to display information indicating that the charge has been completed; Electronic payment system.

3. A computer having a display unit, When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of transmitting information indicating that the operation has been performed to a payment server that provides the user with an electronic payment service in cooperation with an electronic payment application, and to a server device that manages the user's assets directly or via the payment server; a process of displaying an interface screen for accepting the charge, including a widget area, on the display unit in cooperation with the payment server in response to information indicating that an operation for charging the electronic money has been performed, and causing the server device to directly display, in the widget area, information on the user's assets managed by the server device; When the user performs an operation on the widget area to sell the property and perform the charge while the display of the interface screen is maintained, a process for executing the charge using a part or all of the property; An electronic payment app that allows you to:

4. A computer having a display unit, When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of transmitting information indicating that the operation has been performed to a payment server that provides the user with an electronic payment service in cooperation with an electronic payment application, and to a server device that manages the user's assets directly or via the payment server; a process of displaying a first interface screen for accepting the charge, including a first widget area, on the display unit in cooperation with the payment server in response to information indicating that an operation for charging the electronic money has been performed, and causing the server device to directly display information about the user's assets managed by the server device in the first widget area; When an operation is performed on the first widget area, a second interface screen for accepting the charge is displayed on the display unit, the second interface screen displaying the type of the property managed by the server device and the amount corresponding to the type of property in a second widget area by the server device; When an operation is performed on the second widget area including the type of the property and the amount corresponding to the type, which is managed by the server device, a process for performing the charging using a part or all of the property according to the operation; An electronic payment app that allows you to:

5. A computer having a display unit, When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of displaying, on an interface screen for accepting the charge, a widget area including information about the user's assets managed by another service, the widget area displaying the information about the assets by a server device corresponding to the other service, and a first accepting unit for accepting the charge using a bank; When the user performs an operation on the widget area to sell the property and perform the charge, a process for executing the charge using part or all of the property in accordance with the operation in cooperation with the server device providing the other service; When the first reception unit is operated, a process for executing the charging using part or all of the user's assets managed by another server device in cooperation with another server device different from the server device in response to the operation; An electronic payment app that allows you to:

6. A computer having a display unit, When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of displaying, on a first interface screen for accepting the charge, a first widget area including information about the user's assets managed by another service, the first widget area being displayed by a server device corresponding to the other service, and a first reception unit for accepting the charge using a bank; When the user performs an operation on the first widget area, which is an operation to sell the property and perform the charging, the server device displays the type of the property managed by the server device and the amount corresponding to the type in the second widget area, and displays a second interface screen on the display unit to accept the charging; When an operation is performed on the second widget area including the type of the property and the amount corresponding to the type, which is managed by the server device, a process for performing the charging using a part or all of the property according to the operation; When the first reception unit is operated, a process for executing the charging using part or all of the user's assets managed by another server device in cooperation with another server device different from the server device in response to the operation; Execute Electronic payment app.

7. The information about the property is information about securities; The electronic payment application according to any one of claims 3 to 6.

8. A terminal device and a payment server that cooperates with the terminal device to provide an electronic payment service to a user, The terminal device When a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, a process of displaying information about the user's assets managed by another service in a widget area of ​​an interface screen that accepts the charge in cooperation with a server device of the other service; When the user performs an operation on the widget area to sell the property and charge the property while the display of the interface screen is maintained, the server device manages the property, and transmits information indicating that the operation has been performed directly or via a payment server. The settlement server acquires information on the amount obtained by selling the property from the server device, associates the amount with the user's electronic wallet managed by the electronic settlement service, performs the charging, and transmits information indicating that the charging has been performed to the terminal device; the terminal device displays information indicating that the charging has been completed on a display unit. Electronic payment system.

9. A service providing method executed by a terminal device and a payment server that cooperates with the terminal device to provide an electronic payment service to a user, The terminal device, When a user of an electronic payment service performs an operation to charge electronic money to the user's electronic wallet, a process of displaying information about the user's assets managed by another service in a widget area of ​​an interface screen that accepts the charge in cooperation with a server device of the other service; When the user performs an operation on the widget area to sell the property and charge the property while the display of the interface screen is maintained, the server device manages the property, and transmits information indicating that the operation has been performed directly or via a payment server. The settlement server acquires information on the amount obtained by selling the property from the server device, associates the amount with the user's electronic wallet managed by the electronic settlement service, performs the charging, and transmits information indicating that the charging has been performed to the terminal device; the terminal device displays information indicating that the charging has been completed on a display unit; Service delivery methods.

10. The computer When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of transmitting information indicating that the operation has been performed to a payment server that provides the user with an electronic payment service in cooperation with an electronic payment application, and to a server device that manages the user's assets directly or via the payment server; a process of displaying an interface screen for accepting the charge, including a widget area, on a display unit in cooperation with the payment server in response to information indicating that an operation for charging the electronic money has been performed, and causing the server device to directly display, in the widget area, information on the user's assets managed by the server device; When the user performs an operation on the widget area to sell the property and perform the charge while the display of the interface screen is maintained, a process for executing the charge using a part or all of the property; A service delivery method that performs the above.

11. The computer When an operation to charge electronic money to an electronic wallet of a user of an electronic payment service is performed by the user, a process of displaying, on an interface screen for accepting the charge, a widget area including information about the user's assets managed by another service, the widget area displaying the information about the assets by a server device corresponding to the other service, and a first accepting unit for accepting the charge using a bank; When the user performs an operation on the widget area to sell the property and perform the charge, a process for executing the charge using part or all of the property in accordance with the operation in cooperation with the server device providing the other service; When the first reception unit is operated, a process for executing the charging using part or all of the user's assets managed by another server device in cooperation with another server device different from the server device in response to the operation; A service delivery method that performs the above.

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