Payment server, user management method, and program

Abstract

To provide a settlement server, a user management method, and a program capable of preventing inconveniences that occur after contract cancellation. [Solution] A payment server that provides electronic payment services in cooperation with a payment app running on a user terminal device, comprising: an information management unit that uses a memory unit to manage user information related to the electronic payment service; and a cancellation processing unit that performs cancellation processing when information is received from the payment app via communication that the user has applied to cancel the electronic payment service.When performing the cancellation processing, the cancellation processing unit refers to the user information about the user to determine whether the user is in a specified state, and if it determines that the user is in the specified state, it interrupts the cancellation processing.

Description

[Technical Field]

[0001] The present invention relates to a payment server, a user management method, and a program. [Background technology]

[0002] Conventionally, electronic payment services provided through communication between a payment app running on a terminal device used by a user and a payment server have become widespread. Electronic payment services can be canceled by submitting a cancellation request to the payment app (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7536989 Summary of the Invention [Problem to be solved by the invention]

[0004] Cancellation of an electronic payment service may result in inconveniences to the user, such as debts or receivables, but conventional technology does not provide processing to prepare for such inconveniences after cancellation. As a result, inconveniences may occur after cancellation. For example, there may be cases where payments are due to the user after cancellation. In such cases, since the user has not acknowledged a waiver of the right to receive payment, it is undesirable for the electronic payment service provider to obtain the amount. In such cases, it may be necessary to call the user and manually process the refund. There are other possible cases where inconveniences may occur after cancellation.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a payment server, a user management method, and a program that can prevent inconveniences that arise after cancellation. [Means for solving the problem]

[0006] One aspect of the present invention is a payment server that provides electronic payment services in cooperation with a payment app running on a user terminal device, and includes an information management unit that uses a memory unit to manage user information related to the electronic payment service, and a cancellation processing unit that performs cancellation processing when information is received from the payment app via communication that a user has applied to cancel the electronic payment service, and when performing the cancellation processing, the cancellation processing unit refers to the user information about the user to determine whether the user is in a predetermined state, and if it determines that the user is in the predetermined state, it interrupts the cancellation processing. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to prevent inconveniences that may occur after cancellation. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates basic aspects of brick-and-mortar electronic payment. [Figure 2] FIG. 1 is a diagram illustrating an example of a configuration for performing electronic payment (terminal payment) using a payment application. [Figure 3] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 4] FIG. 10 is a diagram showing an example of the contents of affiliated store / shop information 174. [Figure 5] FIG. 10 is a diagram showing an outline of a processing flow when a user scan is performed. [Figure 6] FIG. 10 is a diagram showing an outline of the processing flow when a store scan is performed. [Figure 7] FIG. 1 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. [Figure 8] FIG. 10 is a diagram showing an example of normal screen transitions during cancellation processing. [Figure 9] 10 is a flowchart showing an example of a processing flow regarding the interruption of cancellation processing. [Figure 10]FIG. 10 is a diagram showing an example of a screen transition when cancellation processing is interrupted in relation to salary payment. [Figure 11] FIG. 10 is a diagram showing an example of a screen that appears when cancellation processing is interrupted in relation to a VPC balance. [Figure 12] FIG. 10 is a diagram showing an example of a screen that is displayed when positive determination results are obtained in a plurality of determination processes. DETAILED DESCRIPTION OF THE INVENTION

[0009] [overview] Hereinafter, with reference to the drawings, embodiments of a payment server, a user management method, and a program according to the present invention will be described. An application program, a payment server, and a credit card server cooperate to provide an electronic payment service. In the following description, the application program will be referred to as a payment app. An 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 when a purchase is made at a store, processing such as payment 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] [Electronic payment methods at brick-and-mortar stores] FIG. 1 illustrates the basic aspects of brick-and-mortar electronic payments. Electronic payments are generally carried out by three parties: a medium M held by a user U, store equipment E, and a payment system S. The medium M may be a portable computer device such as a smartphone or a credit card. The store equipment E resides in a physical store (hereinafter simply referred to as the store) in real space and may include a POS device, a wireless communication device, a credit card reader, a printed code image such as a QR Code (registered trademark), or a display device displaying the code image. In brick-and-mortar electronic payments, information that can identify the user and information about the payment amount are first shared unidirectionally or bidirectionally between the medium M and the store equipment E. At this time, either the medium M or the store equipment E optically reads various information from a code image displayed by the other, provides information via near-field communication (NFC), or reads the PAN (primary account number) using a credit card reader. Then, either the medium M or the store equipment E (the party that obtains information from the other) transmits the payment information required for the payment to the payment system S via a network NW. Both the medium M and the store equipment E may send some information to the payment system S. The payment system S manages various information about the user U and performs electronic payments between the store and the user U in various ways. Electronic payments are performed using either or both of a prepaid system and a postpaid system, or by other methods. In addition, electronic payments may also include so-called online shopping, which is performed between the user's terminal device and the payment system. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. The various devices that communicate via the network NW, which will be described below, are assumed to have communication devices such as network cards and wireless communication modules.

[0011] [Configuration (Terminal Payment)] 2 is a diagram showing an example of the configuration for performing electronic payment (terminal payment) using a payment app. This electronic payment is performed mainly by a payment app 20 running on a user terminal device 10, which is one of the media M, one or more store payment terminals 30 and one or more store code images 40, which are one of the store facilities E, and a payment server 100, which constitutes part of a payment system S. The payment server 100 communicates with the user terminal device 10, the store payment terminal 30, and one or more information terminals 50 via a network NW.

[0012] The user terminal device 10 is a portable terminal device such as a smartphone or tablet. 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 central processing unit (CPU), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, which operates in cooperation with a payment server 100 to provide electronic payment services to users. The payment application 20 is installed on the user terminal device 10 from, for example, an application distribution server (not shown) and controls the camera, communication device, touch panel, etc. of the user terminal device 10. In the following description, the terms "send information to the user terminal device 10 (or receive / acquire information from the user terminal device 10)" and "send information to the payment application 20 (or receive / acquire information from the payment application 20)" may be used interchangeably, but these terms are merely different expressions and are not intended to distinguish between them.

[0013] The store payment terminal 30 is installed, for example, in a store. The store payment terminal 30 is a computer device (or a collection of these) that has at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store payment terminal 30 includes a so-called POS (Point of Sale) device, and the POS device may have a product price acquisition function and an optical reading function.

[0014] The store code image 40 is placed in a store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 40 may be displayed on a display placed in the store (or on a display of a terminal device such as a smartphone or tablet terminal).

[0015] The information terminal 50 is used by the operator of the affiliated store who oversees the stores. In electronic payment services, customers who provide goods or services are treated as affiliated stores (brands), and one or more stores exist under the affiliated store. An affiliated store may operate only one store. The information terminal 50 is a smartphone, tablet terminal, personal computer, etc. An affiliated store interface 55 runs on the information terminal 50. The affiliated store interface 55 may be an affiliated store app or a web page displayed by a general-purpose browser. The affiliated store interface 55 accepts coupon settings and the like from the affiliated store operator and transmits them to the payment server 100. By executing the affiliated store interface 55, the information terminal 50 may have the function of displaying a code image corresponding to the store code image 40 or reading a code image displayed by the user terminal device 10 (in the latter case, an optical reading function is required).

[0016] The payment server 100 communicates with the credit card server 200 via a network NW. The payment server 100 includes, for example, a content provider 110, an information management unit 120, a payment processing unit 130, a cancellation processing unit 140, and a storage unit 170. The components other than the storage unit 170 are realized by a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented using a large scale integration (LSI), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like. The program may be realized by hardware (including circuitry) such as a Gate Array (GPU) or a Graphics Processing Unit (GPU), or may be realized 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.

[0017] 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 can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172 and affiliated store / shop information 174.

[0018] The content providing unit 110 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 content providing unit 110 provides the content to the user terminal device 10 in the form of a web page, and provides the user terminal device 10 with parameters required for the payment application 20 to render an image.

[0019] The information management unit 120 edits, adds, deletes, etc., user information 172 and affiliated store / shop information 174, and manages them.

[0020] FIG. 3 is a diagram showing an example of the contents of user information 172. User information 172 is a set of information such as a user URL, account ID, phone number, password, registration date, charge balance, electronic money type, terminal payment method, card setting information, card payment method, various history information, identity verification flag, name, address, date of birth, email address, bank account, deferred payment setting, deferred payment condition information, bank withdrawal status, salary payment setting information, scheduled payment information, specific P2P remittance implementation information, and VPC balance information, all of which are associated with one another. Hereinafter, a user instance (electronic payment account) with which this information is associated may be referred to as an account. In the diagram, items marked with "-" indicate that they are not set.

[0021] 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. The registration date is the date the user registered for the electronic payment service (the date the account was created). The charge balance is information indicating the balance of electronic money that the user has set by transferring money to the account in advance. Remittance methods include depositing money into an ATM (Automatic Teller Machine) of a designated service provider (bank) or transferring money from a registered bank account. The type of electronic money is information indicating, for example, whether the electronic money can be withdrawn or can only be used for electronic payments. The terminal payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in terminal payment. The card setting information is information indicating whether the user has already obtained a payment card 60 (whether the user has already obtained a card payment account). The card payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in card payment. The various historical information includes charge history, which is a record of the user transferring money to the electronic payment service in advance to increase the charge balance, and payment history, which shows the details of the payments made by the user for each payment (date and time, store ID of the store where the purchase was made, affiliated store ID, payment amount, payment method, etc.).

[0022] The identity verification flag is information indicating whether or not the user has completed identity verification using an ID document. Deferred payment can be selected if identity verification has been completed, and the user with account ID "002" in the figure has not completed identity verification and can only select balance payment as the terminal payment method. The bank account is the account number of a bank account that can be used to deposit funds into the electronic payment service. Deferred payment settings is information indicating whether or not the settings have been completed to make deferred payment selectable. Deferred payment condition information is information indicating various conditions such as the deferred payment limit and the amount used for the current month.

[0023] Bank withdrawal status is information indicating whether or not there is any money being withdrawn from an electronic payment service account but not yet deposited in the bank (information indicating whether or not a withdrawal is in progress). Salary payment setting information is information indicating the setting for receiving salary payments from your employer using an electronic payment service, as well as the amount of the withdrawal. Scheduled payment information is information indicating the details of a payment (scheduled payment) in advance for future purchases of goods or services using an electronic payment service (provisional payment status). Specific P2P remittance execution information is information indicating the presence and amount of P2P remittances (remittances between users) that are conditional (for example, remittances of an unspecified amount as part of an event such as a New Year's gift, which must be received within a specified number of days). VPC (Virtual Prepaid Card) balance information is information indicating the amount temporarily borrowed from an electronic payment service when there is insufficient balance for electronic payments, and then repaid later by charging, etc.

[0024] 4 is a diagram showing an example of the contents of affiliated store / store information 174. The affiliated store / store information 174 includes, for example, a first table 174A in which an affiliated store ID and a store ID are associated with a store URL, a second table 174B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 174C in which a store ID is associated with a store ID. In addition to this information, the affiliated store / store information 174 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0025] The payment processing unit 130 performs various processes for electronic payment. There are two methods for terminal payment: a first method (user scan) and a second method (store scan), which will be explained below.

[0026] FIG. 5 shows an overview of the process flow when a user scan is performed. First, the user terminal device 10, with the payment application 20 running, reads and decodes the store code image 40 using its optical reading function (S1). The store code image 40 contains store URL information. The payment application 20 sends first payment information, including the store URL and the user's account ID, to the payment server 100 (S2). The payment server 100 searches the affiliated store / store information 174 using the affiliated store ID and store ID corresponding to the store URL, acquires information about the affiliated store name and store name (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the payment application 20 on the screen displaying the affiliated store name and store name (S5). The payment application 20 then generates second payment information including at least the payment amount and sends it to the payment server 100 (S6).

[0027] If the "Terminal Payment Method" in the user information 172 of the user is set to "Balance Payment," the payment processing unit 130 of the payment server 100 performs electronic payment based on the received second payment information (S7-1). At this time, the payment processing unit 130 performs electronic payment by, for example, 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 used as electronic money itself, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle determined by an agreement between the affiliated store and the electronic payment service. On the other hand, if the "Terminal Payment Method" is set to "Deferred Payment," the payment processing unit 130 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S7-2). The credit card server 200 performs electronic payment by adding the payment amount to the user's monthly usage amount based on the received information and deducting the monthly usage amount from the user's bank account after the closing date (S7-3).

[0028] Then, the payment processing unit 130 sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 via the content providing unit 110 (S8), and the payment app 20 displays the payment completion screen (S9). When the store code image 40 is displayed on a display installed in the store, the store code image 40 may include information on the payment amount in addition to the store URL. 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 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.

[0029] FIG. 6 is a diagram showing an overview of the processing flow when a store scan is performed. First, when the payment app 20 is launched, when a payment operation is performed using the payment app 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment processing unit 130 of 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 store payment terminal 30, and the store payment terminal 30 reads and decodes the code image using its optical reading function to obtain the one-time code, etc. (S15). The store payment terminal 30 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 or manually entering it.

[0030] The payment processing unit 130 of the payment server 100 identifies the user corresponding to the one-time code based on the received information, and if the "terminal payment method" in the user information 172 of the user is set to "balance payment," it performs electronic payment based on the received second payment information (S17-1). The processing content at this time is the same as the processing of S7-1 in FIG. 5. On the other hand, if the "terminal payment method" is set to "post-payment," the payment server 100 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S17-2). The credit card server 200 adds the payment amount to the user's monthly usage amount based on the received information, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date (S17-3).

[0031] Then, the payment processing unit 130 transmits a payment completion notification to the payment application 20 via the content providing unit 110 (S18), and the payment application 20 displays a payment completion screen (S19).

[0032] 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.

[0033] It should be noted that the "post-payment" settlement may be performed within the settlement server 100, rather than being managed by the credit card server 200. In this case, the components such as the settlement card 60 and the credit card server 200 may be omitted.

[0034] [Configuration (Card Payment)] 7 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. This electronic payment is performed mainly using a payment card 60, which is one of the media M, a credit card processing terminal 70, which is one of the store facilities E, a payment server 100, which constitutes part of a payment system S, and a credit card server 200. The credit card server 200 communicates with the credit card processing terminal 70 via a network NW.

[0035] The credit processing terminal 70 is installed in the store, similar to the in-store payment terminal 30. The credit processing terminal 70 includes, for example, a credit card reader and a POS device. The credit card terminal reads a personal identification number (PIN) from an inserted or held-up credit card and compares it with the PIN entered by the user. It also transmits a primary account number (PAN) read from the credit card to the credit card server 200 via the POS device. The POS device cooperates with the credit card terminal to transmit information such as the payment amount to the credit card server 200. A payment agent (acquirer) server may be interposed between the credit card processing terminal 70 and the credit card server 200; however, for simplicity, the following description omits the server. The payment card 60 is, for example, similar to a commonly used credit card, with a communication chip embedded in the card substrate. The communication chip incorporates a storage medium storing the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the payment card 60 may be a magnetic card. The information (messages) sent and received when using a credit card include an authorization message for authentication and a sales message for conveying the payment amount, but detailed explanations distinguishing between these will be omitted below.

[0036] The credit card server 200 communicates with the payment server 100 via a network NW. The credit card server 200 includes, for example, an information management unit 210, a credit interface 220, a payment allocation unit 230, a credit payment processing unit 240, and a memory unit 270. The components other than the memory unit 270 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 an LSI, ASIC, FPGA, or GPU, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), 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. The memory unit 270 stores information such as card user information 272.

[0037] The information management unit 210 edits, adds, deletes, etc., and manages the card user information 272. The card user information 272 is information in which, for example, information unique to a user (e.g., PAN), a card payment method, and the user's account ID (used by the payment server 100) are associated with one another. The card payment method is setting information that indicates whether the user will make electronic payment using the charged balance (balance payment) or deferred payment when making a card payment.

[0038] The credit interface 220 determines whether the BIN (Bank Identification Number) in the PAN included in the message received from the credit processing terminal 70 is a code for the company, and if it is a code for the company, passes the message received from the credit processing terminal 70 to the payment allocation unit 230, and if it is not a code for the company, discards the received message.

[0039] The payment allocating unit 230 refers to the card user information 272 of the user corresponding to the message obtained from the credit interface 220, and determines whether the "card payment method" is set to "post-payment." If the "card payment method" is set to "post-payment," the payment allocating unit 230 notifies the credit interface 220 of this and passes the message obtained from the credit interface 220 to the credit payment processing unit 240. On the other hand, if the "card payment method" is set to "balance payment," the payment allocating unit 230 adds the user's account ID to the message obtained from the credit interface 220 and sends it to the payment server 100, requesting electronic payment. When requested to make electronic payment, the payment server 100 performs the same processes as S7-1 in Figure 5 and S17-1 in Figure 6.

[0040] The credit interface 220 checks the PAN and expiration date, and verifies whether the cumulative payment amount exceeds the current month's upper limit, etc. The credit payment processing unit 240 adds the payment amount to the user's monthly usage amount based on the information contained in the message obtained from the payment allocation unit 230, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date.

[0041] [Processing upon cancellation] The following describes the cancellation process performed by cancellation processing unit 140. Cancellation processing unit 140 performs cancellation processing when it receives, via communication from payment application 20, information that the user has applied to payment application 20 to cancel the electronic payment service.

[0042] FIG. 8 is a diagram showing an example of normal screen transitions during cancellation processing. If the user who submitted the application (hereinafter, the user) has no charge balance or point balance, the cancellation processing unit 140 displays screen IM1 on the payment app 20. Screen IM1 displays simple precautions regarding account cancellation, allowing the user to choose whether to proceed with the cancellation procedure or cancel. On the other hand, if the user has a charge balance or point balance, the cancellation processing unit 140 displays screen IM2 on the payment app 20. Screen IM2 allows the user to choose to transfer the remaining charge balance or points to another user via P2P transfer, withdraw the balance to a bank account, or proceed with the cancellation procedure as is. Note that the charge balance may include a type of charge balance that cannot be withdrawn to a bank account, in which case withdrawal to a bank account cannot be selected. If proceeding with the cancellation is selected on screen IM1 or screen IM3, the cancellation processing unit 140 displays screen IM3 on the payment app 20. Screen IM3 displays detailed notes regarding account cancellation, and allows the user to select to proceed further with the cancellation procedure with a checkbox for obtaining the user's consent checked. When selecting to proceed with the cancellation procedure on screen IM3, account cancellation is completed after terminal authentication such as device authentication, telephone call authentication, eKYC authentication, and SMS authentication. The cancellation processing unit 140 completes the cancellation process by invalidating (or deleting) the user information 172 of the user.

[0043] The cancellation processing unit 140 refers to the user information 172 to determine whether the user is in a predetermined state, and if it determines that the user is in the predetermined state, it suspends the cancellation processing. Figure 9 is a flowchart showing an example of the processing flow related to suspension of the cancellation processing.

[0044] First, the cancellation processing unit 140 determines whether the user has a purchase history in a provisional payment state (S1). If the user does not have a purchase history in a provisional payment state, the cancellation processing unit 140 determines whether a withdrawal from the user's account to a bank is in progress (S2). If a withdrawal from the user's account to a bank is not in progress, the cancellation processing unit 140 determines whether the user is using the user-to-user remittance with the above-mentioned predetermined conditions as a remitter (S3). The determination processes of S1 to S3 are intended to determine whether a payment to the user may be made after cancellation.

[0045] If the user is not currently using a user-to-user remittance service with specified conditions as a remitter, the cancellation processing unit 140 determines whether the user has a card payment account (credit account), i.e., whether the user is a user of a credit card affiliated with an electronic payment service (S4). If the user does not have a credit account, the cancellation processing unit 140 determines whether the user receives salary payments through an electronic payment service (salary payment settings are present) (S5). If the user does not receive salary payments through an electronic payment service, the cancellation processing unit 140 determines whether the user has a VPC balance (S6). Note that the determinations in S1 to S6 may be performed in any order, not limited to the order shown in the figure, or may be performed simultaneously.

[0046] If negative determination results are obtained in all of S1 to S6, the cancellation processing unit 140 proceeds with normal cancellation processing (S7). In this case, the cancellation processing proceeds via the screen shown in FIG.

[0047] If a positive determination result is obtained in any of S1 to S6, the cancellation processing unit 140 suspends the cancellation process (S8). An example of a screen in this case will be described below.

[0048] If the cancellation process is interrupted because a positive determination result is obtained in S1 to S3, the cancellation processing unit 140 causes the payment application 20 to display a screen indicating that the cancellation process cannot proceed at that time (for example, without displaying screens IM1 and IM2 in FIG. 8).

[0049] If the cancellation process is interrupted because a positive determination result is obtained in S4, the cancellation processing unit 140 displays the following screen on the payment app 20. FIG. 10 is a diagram showing an example of screen transitions when the cancellation process is interrupted in relation to a payroll payment. If a payroll payment setting exists, the cancellation processing unit 140 first displays screen IM4 on the payment app 20. Screen IM4 displays a message that the payroll payment setting must be canceled before canceling the account, and allows the user to choose whether to proceed with or cancel the payroll payment setting. If an operation to proceed with the payroll payment setting cancellation is performed, the cancellation processing unit 140 displays screen IM5 on the payment app 20 if there is a balance in the payroll account (the account in which the value of payroll payments is pooled), or displays screen IM6 if there is no balance in the payroll account. Screen IM5 displays the balance of the payroll account, and allows the user to choose whether to transfer the money to the bank account or cancel. If an operation to transfer the money to the bank account is performed, the payment app 20 displays screen IM6. Screen IM6 allows the user to select whether or not they have requested their employer to change their payroll. When the user clicks "Confirmed" to notify their employer that they have requested a change in their payroll, the cancellation processor 140 causes the payment application 20 to display screen IM1 or screen IM2 depending on whether the user has a charge balance or points balance.

[0050] If the cancellation process is interrupted because a positive determination result is obtained in S5, the cancellation processing unit 140 causes the payment app 20 to display a screen such as the one shown below. FIG. 11 is a diagram showing an example of a screen that appears when the cancellation process is interrupted in relation to the VPC balance. If a VPC balance exists, the cancellation processing unit 140 causes the payment app 20 to display screen IM7. Screen IM7 displays a message that an overuse has occurred and that the account can be canceled after the overuse is resolved. If the user selects to cancel the account by charging, the payment app 20 displays a charge screen (not shown). Charging can be performed from a bank account, via a convenience store terminal, or by other methods. Once the required amount has been charged, the cancellation processing unit 140 causes the payment app 20 to display screen IM1 or screen IM2, depending on whether the user has a charge balance or points remaining after deducting the VPC balance.

[0051] Note that, among the determination processes S1 to S6, a positive determination result in one of the determination processes does not necessarily mean that the subsequent determination processes are discontinued. Instead, all of the determination processes may be performed regardless of the results of each determination process. If positive determination results are obtained in multiple of the determination processes, payment application 20 may display a screen that lists the reasons why the cancellation process was interrupted. FIG. 12 is a diagram showing an example of a screen that is displayed when positive determination results are obtained in multiple determination processes. If positive determination results are obtained in multiple determination processes, cancellation processing unit 140 causes payment application 20 to display screen IM8. Screen IM8 lists the number of procedures that must be completed before cancellation and their details. An operator (in the figure, ">") for transitioning to a procedure screen is provided in the area showing the details of the procedures, and the procedure screen is displayed when the user operates the operator. When all of the listed procedures are completed, the interrupted state of the cancellation process is released, and the cancellation process proceeds.

[0052] According to the embodiment described above, it is possible to prevent inconveniences that may occur after cancellation.

[0053] 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]

[0054] E. Store Facilities M medium S payment system 10 User terminal device 20. Payment App 30 Store payment terminal device 40 Store code image 60 Payment Cards 70 Credit card processing terminal 100 Payment Server 120 Information Management Department 130 Payment processing unit 140 Cancellation Processing Unit 200 Credit Card Server 300 E-commerce Server 310 IF screen provision department 320 Payment Cooperation Department

Claims

1. A payment server that provides an electronic payment service in cooperation with a payment application that runs on a user terminal device, an information management unit that manages user information related to the electronic payment service using a storage unit; a cancellation processing unit that performs a cancellation process when information indicating that a user has applied to cancel the electronic payment service has been received from the payment application via communication; When performing the cancellation process, the cancellation processing unit refers to the user information related to the user to determine whether the user is in a predetermined state, and when it determines that the user is in the predetermined state, suspends the cancellation process; The predetermined state is defined for a plurality of items, When the cancellation processing unit determines that one or more of the plurality of items are in a predetermined state, the cancellation processing unit suspends the cancellation processing and causes the payment application to display information regarding procedures that should be performed before cancellation. Payment server.

2. The predetermined state includes a state in which payment to the user may occur after cancellation. The payment server according to claim 1.

3. The predetermined state includes a state where a purchase history in a provisional payment state exists. The payment server according to claim 2.

4. The predetermined state includes a state in which funds are being withdrawn from the user's account to a bank. The payment server according to claim 2.

5. A payment server that provides an electronic payment service in cooperation with a payment application that runs on a user terminal device, an information management unit that manages user information related to the electronic payment service using a storage unit; a cancellation processing unit that performs a cancellation process when information indicating that a user has applied to cancel the electronic payment service has been received from the payment application via communication; When performing the cancellation process, the cancellation processing unit refers to the user information related to the user to determine whether the user is in a predetermined state, and when it determines that the user is in the predetermined state, suspends the cancellation process; The predetermined state is defined for a plurality of items, and includes a state in which a payment to the user may occur after cancellation because the user is using a user-to-user remittance with predetermined conditions as a remitter; When the cancellation processing unit determines that one or more of the plurality of items are in a predetermined state, the cancellation processing unit suspends the cancellation processing and causes the payment application to display information regarding procedures that should be performed before cancellation. Payment server.

6. The predetermined status includes a status in which the user is a user of a credit card affiliated with the electronic payment service. The payment server according to claim 1 or 5.

7. A payment server that provides an electronic payment service in cooperation with a payment application that runs on a user terminal device, an information management unit that manages user information related to the electronic payment service using a storage unit; a cancellation processing unit that performs a cancellation process when information indicating that a user has applied to cancel the electronic payment service has been received from the payment application via communication; When performing the cancellation process, the cancellation processing unit refers to the user information related to the user to determine whether the user is in a predetermined state, and when it determines that the user is in the predetermined state, suspends the cancellation process; The predetermined status is defined for a plurality of items, and includes a status in which the user receives salary payment through the electronic payment service; When the cancellation processing unit determines that one or more of the plurality of items are in a predetermined state, the cancellation processing unit suspends the cancellation processing and causes the payment application to display information regarding procedures that should be performed before cancellation. Payment server.

8. The predetermined state includes a state in which the user is temporarily borrowing money from the electronic payment service due to an insufficient balance. The payment server according to claim 1.

9. A payment server that provides electronic payment services in cooperation with a payment application that runs on a user terminal device, a process of managing user information related to the electronic payment service using a storage unit; a cancellation process that is carried out when information that a user has applied to cancel the electronic payment service is received from the payment application via communication; The payment server In the cancellation process, by referring to the user information relating to the user, it is determined whether the user is in a predetermined state, and when it is determined that the user is in the predetermined state, the cancellation process is interrupted; The predetermined state is defined for a plurality of items, When the payment server determines that one or more of the plurality of items are in a predetermined state, the payment server suspends the cancellation process and causes the payment app to display information regarding procedures that should be performed before cancellation. User management method.

10. A payment server that provides electronic payment services in cooperation with a payment application that runs on a user terminal device, a process of managing user information related to the electronic payment service using a storage unit; a cancellation process that is carried out when information that a user has applied to cancel the electronic payment service is received from the payment app via communication, The payment server, In the cancellation process, the user information relating to the user is referenced to determine whether the user is in a predetermined state, and the cancellation process is interrupted when it is determined that the user is in the predetermined state; The predetermined state is defined for a plurality of items, When it is determined that one or more of the plurality of items are in a predetermined state, the payment server suspends the cancellation process and causes the payment app to display information regarding procedures to be performed before cancellation. program.

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