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

Abstract

To reduce the processing load on a user of an electronic settlement service when withdrawing electronic value as cash. [Solution] An information processing device comprising: a receiving unit that receives a withdrawal instruction from the payment app to withdraw the user's electronic value, which is stored in a payment server that realizes electronic payment services in conjunction with a payment app installed on the user's terminal device, as cash via an automated teller machine at a financial institution; an authentication unit that, when the withdrawal instruction is received, works in cooperation with the payment app and the financial institution's server to perform authentication processing for the user regarding the withdrawal; and an instruction unit that, when the authentication processing is successful, instructs the financial institution's server to execute the withdrawal via the automated teller machine.

Description

[Technical Field]

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

[0002] Conventionally, there are known technologies for improving the efficiency of withdrawal processing from automated teller machines (ATMs) of financial institutions. For example, Patent Document 1 describes a technology that enables a user to reserve a withdrawal by connecting a smartphone to an online banking server and performing a predetermined operation, and then execute the withdrawal by touching the smartphone to the ATM. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-135904 Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional technologies have been designed to improve the efficiency of withdrawal processing of deposits made at financial institutions such as online banks, but have not been designed to improve the efficiency of withdrawal processing of users' electronic value held by non-financial institutions such as electronic payment services. As a result, users of electronic payment services may face a heavy processing load when withdrawing electronic value as cash.

[0005] The present invention has been made in consideration of these circumstances, and one of its objects is to provide an information processing device, information processing method, program, and application program that can reduce the processing load for users of electronic payment services when withdrawing electronic value as cash. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device comprising: a receiving unit that receives from the payment app a withdrawal instruction to withdraw the user's electronic value, which is stored in a payment server that realizes electronic payment services in conjunction with a payment app installed on the user's terminal device, as cash via an automated teller machine of a financial institution; an authentication unit that, when the withdrawal instruction is received, works in cooperation with the payment app and the financial institution's server to perform authentication processing for the user; and an instruction unit that, when the authentication processing is successful, instructs the financial institution's server to execute the withdrawal via the automated teller machine. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, a program, and an application program that can reduce the processing load for users of electronic payment services when withdrawing electronic value as cash. [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 of the payment application 20. [Figure 8] FIG. 1 is a diagram for explaining the flow of a first method of using ATM services by a user. [Figure 9]FIG. 9 is a diagram for explaining the continuation of the flow of the first method of using ATM services shown in FIG. 8. [Figure 10] FIG. 10 is a diagram for explaining the flow of a second method of using ATM services by a user. [Figure 11] FIG. 10 is a diagram for explaining the flow of a third method of using ATM services by a user. [Figure 12] 10 is a sequence diagram showing an example of the flow of a process for withdrawing a charge balance executed by a payment application 20, a payment server 100, a financial institution server 200, and an ATM 210. FIG. [Figure 13] FIG. 13 is a sequence diagram showing the continuation of the flow of the charge balance withdrawal process shown in FIG. [Figure 14] 1 is a sequence diagram showing an example of the flow of a bank account balance deposit / withdrawal process executed by a payment application 20, a payment server 100, a financial institution server 200, an ATM 210, and a bank server 300. FIG. [Figure 15] FIG. 15 is a sequence diagram showing the continuation of the flow of the bank account balance deposit / withdrawal process shown in FIG. [Figure 16] FIG. 10 is a diagram showing an example of a transition of an ATM service usage screen according to a modified example. [Figure 17] FIG. 10 is a diagram showing an example of an ATM service completion screen according to a modified example. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, a program, and an application program of the present invention will be described. Various devices, such as a "server," a "management device," and an "information providing device," that provide services to users or perform internal analysis, may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the hardware owner (the cloud server provider) and the business that actually operates the device may also be different. The application program and the payment server work together to provide an electronic payment service. In the following description, the application program is 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 transactions. A virtual store may also include a store operated by an entity other than the operator of the electronic payment service. In such a case, a transition to an interface screen for the electronic payment service may be performed when making a payment for a purchase at the virtual store. 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 the store is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized 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, the payment server 100, a financial institution server 200, and a bank server 300 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. Furthermore, the financial institution server 200 communicates with the ATM 210 via an intranet within the financial institution that operates the ATM 210.

[0011] 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.

[0012] 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).

[0013] 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.

[0014] 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.

[0015] 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.

[0016] 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.

[0017] 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).

[0018] 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.

[0019] [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, an information processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped 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 information processing unit 150 further includes, as its functional units, a display control unit 152, a withdrawal instruction receiving unit 154, a withdrawal authentication unit 156, and a withdrawal instruction unit 158, the details of which will be described later.

[0020] 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.

[0021] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0022] 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.

[0023] 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.

[0024] 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, credit card payment settings, credit card limit, credit card payment amount, available credit card payment 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. Registration of a telephone number and password is required when registering for an electronic payment service. 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). Similarly, the email address, name, address, and date of birth 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.

[0025] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) 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 the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). The charge balance is an example of "electronic value" within the scope of the patent claims.

[0026] 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 name. 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.

[0027] 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.

[0028] [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.

[0029] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method 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, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The monthly amount used for credit card payment is settled on the following month's payment date, 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 credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the settlement amount exceeds the available credit card balance at the time of provisional settlement, an error notification is returned to the payment app 20.

[0030] [Top screen] FIG. 7 is a diagram showing an example of the top screen of the payment application 20. A code image CI is displayed on the top screen. The code image CI includes, for example, a barcode and a QR code. A selector switch SW is displayed next to the code image CI, allowing the user to select whether to make an electronic payment using the remaining balance or a credit card payment. The "switch" and "button" refer to a graphical user interface (GUI) implemented in cooperation with a touch panel. In FIG. 7, "credit" is displayed, indicating that the electronic payment is set to be made using a credit card. For example, a user can swipe the selector switch SW to select whether to make an electronic payment using the remaining balance or a credit card payment. The top screen also includes an operation area OA, a transition button TB1, and a transition button TB2. The operation area OA includes buttons for instructing key operations in electronic payment, such as a button for instructing scanning (starting a user scan), a button for transferring the remaining balance to another user, a button for displaying the points earned by the user, and a button for displaying the history of electronic payments made by the user. When transition button TB1 is pressed, the screen transitions to a payment screen that displays the code image used for electronic payment and the available balance. When transition button TB2 is pressed, the screen transitions to a screen that displays the available balance for balance payment or credit payment. In Figure 7, electronic payment using the charge balance is set, so when transition button TB2 is pressed, the available balance for balance payment is displayed.

[0031] Below the operation area OA, a group of buttons (switches) M1, M2, ... for launching mini apps are further displayed. A mini app is an app that operates using the payment app 20 as a platform and provides some kind of service. A service provider develops a mini app by referring to a Software Development Kit (SDK), which is an app development program and technical documentation provided by the administrator of the payment app 20. A mini app is an app that operates while the payment app 20 is running. For example, a part or all of the mini app may be installed when the payment app 20 is installed, or a part or all of the mini app may be installed from a service server corresponding to the mini app. For example, when a mini app is launched, it accesses a service server (not shown) that provides a service corresponding to the mini app, and the mini app and the service server work together to provide the service to the user. In this case, the service server may be the payment server 100 itself or an external server different from the payment server 100. 7 shows, as an example, a button M1 for a mini-app that provides a function for viewing information about coupons offered by affiliated stores, and a button M2 for a mini-app that provides a function for using the ATM service described below. However, buttons for launching various types of mini-apps, such as an investment app for managing a charge balance or a payment app for paying public transportation fares, may also be displayed. Furthermore, when the wallet button WA located at the bottom of the operation area OA is operated, the screen transitions to a wallet screen that shows the user's asset status in electronic payment services. The wallet screen displays, for example, the user's charge balance and available deferred payment amount, as well as a list of electronic payment history information in chronological order.

[0032] [ATM service] As explained above, a user can deposit money from their registered bank account into an electronic payment service to top up their charge balance and make an electronic payment. However, depending on the user's situation, there may be cases where they need to withdraw electronic value, such as a charge balance, that they have deposited into an electronic payment service as cash (for example, when the user uses a physical store that only accepts cash payments). Therefore, it is preferable for the electronic payment service to have a system linkage with a financial institution that installs an ATM, allowing users to withdraw cash via the ATM. Conversely, it is preferable for users to be able to top up their charge balance using an ATM when depositing money into an electronic payment service. The ATM service in this embodiment satisfies these various user needs.

[0033] [First method of using ATM services] FIG. 8 is a diagram illustrating the flow of a first method of using ATM services by a user. FIG. 8 mainly illustrates the actions performed by a user to use the ATM service and the flow of the payment application 20 display screen. First, in step 1, the user visits the ATM 210, performs an operation to display a code image, and presses the "Scan" button on the top screen of FIG. 7. This causes the ATM 210 to display a code image for starting the ATM service, and the payment application 20 enters scan mode. Next, in step 2, the user uses the payment application 20 to scan the code image displayed by the ATM 210. After scanning the code image, the payment application 20 transmits information about the scanned code image (hereinafter, "code image information") to the payment server 100.

[0034] When the payment server 100 receives the code image information from the payment application 20, it identifies the financial institution that operates the ATM linked to the received code image information and the user. The payment server 100 transmits information (e.g., charge balance, bank account balance, etc.) necessary for displaying an ATM service usage screen for using the ATM service to the payment application 20 of the identified user. As a result, in step 3, the payment application 20 displays the ATM service usage screen based on the information received from the payment server 100.

[0035] The ATM service usage screen includes, for example, an area A1 for providing services related to the charge balance of the electronic payment service, an area A2 for providing deposit / withdrawal services for a bank account registered with the electronic payment service, and an area A3 for providing cash advance services using a credit card registered with the electronic payment service. Area A1 includes, for example, a button B1 for adding (depositing) money to the charge balance via the ATM 210 and a button B2 for withdrawing money from the charge balance via the ATM 210. Area A2 includes, for example, a button B3 for adding money to the bank account via the ATM 210 and a button B4 for withdrawing money from the bank account via the ATM 210. Area A3 includes, for example, a button B5 for repaying money borrowed from the cash advance service via the ATM 210 and a button B6 for borrowing money from the cash advance service via the ATM 210. The cash advance service may be either a cash borrowing service provided with a credit card with a shopping function or a cash borrowing service using a card without a shopping function (a so-called card loan). Furthermore, a user does not necessarily need to possess a physical credit card or card in order to use the cash advance service; they only need to be registered with the electronic payment service as a cash advance service user so that the display control unit 152 can make a determination. The financial institution providing the bank account or cash advance service may be the same institution (or an affiliated institution) as the operating company of the electronic payment service, or may be an unrelated third-party institution. When a user presses any of these buttons B1 to B6, the payment application 20 transitions to the service corresponding to the pressed button. In the following explanation, it is assumed that the user presses button B2.

[0036] Note that the ATM service usage screen in FIG. 8 includes usage screens for all three of the above services, but the ATM service usage screen may include only some of them depending on whether the user has registered a bank account and a credit card. More specifically, upon receiving code image information from payment app 20, display control unit 152 references user information 172 to determine whether the user has registered a bank account and a credit card. If display control unit 152 determines that the user has a bank account, it causes payment app 20 to display area A2 for providing the bank account deposit and withdrawal service. If display control unit 152 determines that the user has registered a credit card, it causes payment app 20 to display area A3 for providing the cash advance service. Therefore, for example, if the user has not registered either a bank account or a credit card, display control unit 152 causes payment app 20 to display only area A1 for providing a service related to the charge balance of the electronic payment service on the ATM service usage screen. Furthermore, as another aspect, if the electronic payment service provides a securities service, the ATM service usage screen in FIG. 8 may include a usage screen for a securities account deposit / withdrawal service. Here, securities service refers to a service that allows the buying and selling of various financial products (stocks, bonds, investment trusts, etc.) using cash deposited in a securities account. If the electronic payment service provides a securities service, the charge balance may be used as a securities account. The processing related to the securities account deposit / withdrawal service is the same as the processing related to the bank account deposit / withdrawal service.

[0037] When the user presses button B2, the payment application 20 transmits instruction information to the payment server 100 instructing the use of an ATM withdrawal service to withdraw money from the charge balance via the ATM 210. When the withdrawal instruction receiving unit 154 receives the instruction information, the withdrawal authentication unit 156 cooperates with the payment application 20 and the financial institution server 200 to execute authentication processing of the user regarding the withdrawal. If the authentication processing is successful, the withdrawal instruction unit 158 ​​instructs the financial institution server 200 to execute withdrawal of the charge balance via the ATM 210. Upon receiving the withdrawal instruction, the financial institution server 200 causes the ATM 210 to execute the withdrawal. Details of the authentication processing are explained below.

[0038] Fig. 9 is a diagram for explaining the continuation of the flow of the first method of using the ATM service shown in Fig. 8. The process shown in Fig. 9 is executed, for example, after the user presses button B2 on the ATM service screen shown on the right side of Fig. 8.

[0039] When the user presses button B2 on the ATM service screen, in step 4, the withdrawal authentication unit 156 transmits the company number to the payment application 20 to display it. After checking the company number displayed on the payment application 20, the user enters the company number on the ATM 210 screen. After accepting the input of the company number, the ATM 210 transmits the company number to the financial institution server 200. The financial institution server 200 calls a transaction inquiry API (application programming interface) for inquiring about the withdrawal transaction to the server of the company identified by the company number (i.e., payment server 100 in this case), with parameters such as the transaction sequence number, accounting date, processing date and time, ATM number, and code image information. After accepting the API call, the withdrawal authentication unit 156 transmits an authentication code to the payment application 20.

[0040] As a result, in step 5, the payment app 20 receives the authentication code, and the user confirms the company number displayed on the payment app 20 and enters the authentication code and the withdrawal amount on the ATM 210 screen. Upon receiving the input of the authentication code and withdrawal amount, the ATM 210 transmits the authentication code and the withdrawal amount to the financial institution server 200. The financial institution server 200 calls a withdrawal API for executing a withdrawal transaction to the payment server 100, using parameters such as the transaction sequence number, processing date and time, customer number, transaction type, ATM number, authentication code, and withdrawal amount. If the input authentication code is correct, the withdrawal authentication unit 156 determines that the authentication process is successful. If the authentication process is determined to be successful, the withdrawal instruction unit 158 ​​instructs the financial institution server 200 to execute a withdrawal of the charge balance via the ATM 210. Upon receiving the withdrawal instruction, the financial institution server 200 causes the ATM 210 to execute the withdrawal. At the same time, the withdrawal instruction unit 158 ​​deducts the withdrawal amount (and a fee, if necessary) from the user's charge balance.

[0041] As a result, in step 6, the withdrawal instruction unit 158 ​​notifies the payment application 20 of withdrawal completion information indicating that the withdrawal has been completed, and the payment application 20 displays an ATM service usage completion screen. The ATM service usage completion screen includes, for example, the amount deducted from the user's charge balance (10,100 yen in FIG. 9) and its breakdown (the actual amount withdrawn from the ATM (10,000 yen in FIG. 9) and the fee deducted from the charge balance (100 yen in FIG. 9)). FIG. 9 shows an example in which the user enters 10,000 yen as the withdrawal amount into ATM 210, and accordingly, 10,110 yen, including the 100 yen fee, is deducted from the charge balance. This concludes the first method of using the ATM service.

[0042] [Second method of using ATM services] FIG. 10 is a diagram illustrating the flow of a second method of using ATM services by a user. First, in step 1, the user visits the ATM 210, performs an operation to display a code image, and presses the "ATM service" button M2 on the top screen of FIG. 7. As a result, in step 2, the ATM 210 displays a code image for starting the ATM service, and the payment application 20 displays the ATM service usage screen shown in FIG. 8. That is, in the second method of using ATM services, the user can reach the ATM service usage screen more quickly than in the first method of using ATM services. Next, in step 3, the user scans the code image displayed by the ATM 210 using the payment application 20. After scanning the code image, the payment application 20 transmits the scanned code image information to the payment server 100. The following flow is the same as steps 4 to 6 described in FIG. 9, and therefore will not be described again.

[0043] [Third method of using ATM services] Figure 11 is a diagram illustrating the flow of the third method for using ATM services by a user. First, in step 1, the user visits the ATM 210, performs an operation to display a code image, and presses the "Wallet" button WA on the top screen of Figure 7. As a result, in step 2, the ATM 210 displays a code image for starting the ATM service, and the payment application 20 displays a wallet screen showing the user's asset status for the electronic payment service.

[0044] When the user presses the Withdraw / Transfer button B7 on the wallet screen to instruct the user to withdraw or transfer the charge balance, in step 3 the payment app 20 displays a selection screen instructing the user to withdraw the charge balance from an ATM or transfer it to a bank. The selection screen includes, for example, a button B8 instructing the user to withdraw the charge balance from an ATM and a button B9 instructing the user to transfer the charge balance to a bank account. When the user presses the Withdraw button B8 on the selection screen, the payment app 20 enters scan mode, and in step 4 the user uses the payment app 20 to scan the code image displayed by the ATM 210. After scanning the code image, the payment app 20 transmits the scanned code image information to the payment server 100. The following flow is the same as steps 4 to 6 described in FIG. 9, and therefore description thereof will be omitted.

[0045] As described above, according to the present embodiment, payment application 20 provides users with multiple usage methods (channels) for ATM services, thereby improving the convenience of users when using ATM services.

[0046] [ATM withdrawal process for charged balance] Fig. 12 is a sequence diagram showing an example of the flow of a charge balance withdrawal process executed by payment application 20, payment server 100, financial institution server 200, and ATM 210. The sequence diagram shown in Fig. 12 shows, as an example, the flow when a user withdraws the charge balance via ATM 210 using the first method of using the ATM service shown in Fig. 8.

[0047] First, a user visits the ATM 210 and performs an operation to display a code image (S10). The ATM 210 then displays the code image in response (S12). When the user checks the code image and scans it with the payment application 20, the payment application 20 transmits the scanned code image information to the payment server 100 (S16). Upon receiving the code image information, the payment server 100 determines the menu items to be displayed on the ATM service usage screen depending on whether the user has registered a bank account and a credit card linked to the code image information, and instructs the payment application 20 to display the ATM service usage screen (S18).

[0048] In response to receiving the display instruction, the payment application 20 displays an ATM service usage screen (S20). When the user instructs ATM withdrawal of the charge balance (for example, by pressing button B2 in FIG. 8 ) on the ATM service usage screen displayed on the payment application 20 (S22), the payment application 20 registers code image information in the payment server 100 (S24), and the payment server 100 accordingly transmits a company number to the payment application 20 (S26). The payment application 20 displays the received company number (S28), and the user enters the confirmed company number into the ATM 210 (S30). The ATM 210 transmits the input company number to the financial institution server 200 (S32), and the financial institution server 200 requests an encryption key for subsequent transactions from the server of the company linked to the input company number (i.e., the payment server 100) (S34).

[0049] Upon receiving the request for the encryption key, the payment server 100 transmits the encryption key to the financial institution server 200 (S36), and the financial institution server 200 uses the received encryption key to call the transaction inquiry API of the payment server 100 (S38). In response to the call of the transaction inquiry API, the payment server 100 transmits a response (including the management number of the withdrawal transaction) to the financial institution server 200 (S40), and in response to receiving the response, the financial institution server 200 further transmits the response to the ATM 210 (S42). In response, the ATM 210 displays an authentication code input screen (S44).

[0050] Figure 13 is a sequence diagram showing the continuation of the flow of the charge balance withdrawal process shown in Figure 12. In S40 of Figure 12, the payment server 100 sends a response to the financial institution server 200 and also sends the authentication number to the payment application 20 (S46). The payment application 20 displays the received authentication number (S48), and the user enters the confirmed authentication number into the ATM 210 (S50). Next, the ATM 210 displays a withdrawal amount input screen (S52), and the user enters the desired withdrawal amount into the ATM 210 (S54).

[0051] The ATM 210 transmits the input authentication number and withdrawal amount to the financial institution server 200 (S56), and the financial institution server 200 calls a withdrawal API including the authentication number and withdrawal amount to the payment server 100 (S58). If the authentication number is correct and the input withdrawal amount is less than or equal to the charge balance, the payment server 100 transmits a response to the financial institution server 200 instructing the withdrawal (S60), and upon receiving the response, the financial institution server 200 transmits a further response to the ATM 210 (S62). In response, the ATM 210 performs the withdrawal (S64).

[0052] In S60 of Fig. 13, the payment server 100 sends a response to the financial institution server 200, and also sends a withdrawal completion notice to the payment application 20 (S66). The payment application 20 displays the received withdrawal completion notice (for example, the screen of step 6 in Fig. 6). This ends the processing of this sequence diagram.

[0053] [Bank account balance ATM deposit / withdrawal process flow] Figure 14 is a sequence diagram showing an example of the flow of a bank account balance deposit / withdrawal process executed by payment application 20, payment server 100, financial institution server 200, ATM 210, and bank server 300. The sequence diagram shown in Figure 14 shows, as an example, the flow when a user presses button B4 on the ATM service usage screen shown in step 3 of Figure 8 to deposit or withdraw a bank account balance via ATM 210. Note that, in the following, processes similar to those in the sequence diagrams of Figures 12 and 13 will be described using the same reference numerals.

[0054] First, a user visits the ATM 210 and performs an operation to display a code image (S10). The ATM 210 then displays the code image in response (S12). When the user checks the code image and scans it with the payment application 20, the payment application 20 transmits the scanned code image information to the payment server 100 (S16). Upon receiving the code image information, the payment server 100 determines the menu items to be displayed on the ATM service usage screen depending on whether the user has registered a bank account and a credit card linked to the code image information, and instructs the payment application 20 to display the ATM service usage screen (S18).

[0055] In response to receiving the display instruction, the payment application 20 displays an ATM service usage screen (S20). When the user performs an instruction operation for ATM deposit / withdrawal of bank account balance (e.g., pressing button B4 in FIG. 8 ) on the ATM service usage screen displayed on the payment application 20 (S22), the payment application 20 registers the code image information with the bank server 300 via the payment server 100 (S24), and the bank server 300 accordingly transmits a company number to the payment application 20 via the payment server 100 (S26). The payment application 20 displays the received company number (S28), and the user enters the confirmed company number into the ATM 210 (S30). The ATM 210 transmits the input company number to the financial institution server 200 (S32), and the financial institution server 200 requests an encryption key for subsequent transactions from the server of the company linked to the input company number (i.e., the bank server 300) (S34).

[0056] Upon receiving the request for the encryption key, the bank server 300 transmits the encryption key to the financial institution server 200 (S36), and the financial institution server 200 uses the received encryption key to call the transaction inquiry API of the bank server 300 (S38). In response to the call of the transaction inquiry API, the bank server 300 transmits a response (including the management number of the deposit / withdrawal transaction) to the financial institution server 200 (S40), and in response to receiving the response, the financial institution server 200 further transmits the response to the ATM 210 (S42). In response, the ATM 210 displays a deposit / withdrawal amount input screen (S44).

[0057] FIG. 15 is a sequence diagram showing the continuation of the flow of the bank account balance deposit / withdrawal process shown in FIG. 14. When the ATM 210 displays the deposit / withdrawal amount input screen, the user inputs the desired deposit / withdrawal amount into the ATM 210 (S54). The ATM 210 transmits the input deposit / withdrawal amount to the financial institution server 200 (S56), and the financial institution server 200 calls a deposit / withdrawal API including the deposit / withdrawal amount to the bank server 300 (S58). In the case of a withdrawal process, if the input withdrawal amount is less than or equal to the account balance, the bank server 300 transmits a response to the financial institution server 200 instructing the withdrawal (S60), and upon receiving the response, the financial institution server 200 transmits another response to the ATM 210 (S62). In response, the ATM 210 performs the withdrawal (S64). On the other hand, in the case of a deposit process, the user deposits banknotes at the ATM 210, and the bank server 300 adds the deposited amount to the account balance.

[0058] 15, bank server 300 sends a response to financial institution server 200 and also sends a withdrawal completion notice to payment application 20 (S68). Payment application 20 displays the received withdrawal completion notice (for example, the screen in step 6 in FIG. 6). This ends the processing in this sequence diagram.

[0059] 13 to 15, a user can deposit and withdraw funds to the charge balance of an electronic payment service, and can also deposit and withdraw funds to a bank account balance (securities account balance) at a financial institution, using a single payment application 20. In particular, while deposits and withdrawals to a bank account balance at a financial institution have traditionally been made using a dedicated application or mini-application provided by the financial institution, this embodiment makes it possible to deposit and withdraw funds to a bank account balance at a financial institution using payment application 20 for electronic payment, thereby further improving convenience for users.

[0060] [Variations] In the above embodiment, it is assumed that the electronic payment service only targets charge balances as electronic value that can be withdrawn from an ATM. However, in practice, electronic payment services may manage not only a single type of electronic value but also multiple types of electronic value separately for each user, and allow these multiple types of electronic value to be used for payments. In such cases, it is preferable for users of the electronic payment service to individually specify withdrawal amounts from multiple types of electronic value and withdraw them from an ATM. In this modified example, as an example, it is assumed that the electronic payment service manages, as electronic value, charge balances that users charge via bank accounts and charge balances (salary) that organizations such as the companies for which the users work charge to their bank accounts as salary transfer destinations. In other words, the user information 172 in FIG. 2 includes "charge balance (salary)" in addition to "charge balance."

[0061] FIG. 16 is a diagram showing an example of the transition of an ATM service usage screen according to a modified example. In FIG. 16, the screen on the left is the same as the ATM service usage screen in step 3 shown in FIG. 8. When the user presses button B2 on the screen on the left, the display control unit 152 causes the payment application 20 to display an input screen for inputting the type and amount of the charge balance to be withdrawn. On the input screen, the user inputs the withdrawal amount for each of the charge balance and charge balance (salary) within the withdrawal upper limit. When the user inputs the withdrawal amount and presses the Withdraw button B10, the payment application 20 transmits instruction information to the payment server 100 instructing the use of the ATM withdrawal service.

[0062] When the withdrawal instruction receiving unit 154 receives the instruction information, the withdrawal authentication unit 156 cooperates with the payment application 20 and the financial institution server 200 to execute a user authentication process for the withdrawal, as in the above embodiment. If the authentication process is successful, the withdrawal instruction unit 158 ​​instructs the financial institution server 200 to execute a withdrawal of the charge balance via the ATM 210. Upon receiving the withdrawal instruction, the financial institution server 200 causes the ATM 210 to execute the withdrawal. Note that while FIG. 16 shows, as an example, a case in which money is withdrawn from both the charge balance and the charge balance (salary), the user can also set the withdrawal of the charge balance to zero on the right side of FIG. 16 and withdraw only the charge balance (salary).

[0063] FIG. 17 is a diagram showing an example of an ATM service completion screen according to a modified example. As in the present embodiment, the ATM service usage completion screen includes, for example, the amount deducted from the user's charge balance (10,100 yen in FIG. 9) and its breakdown (the actual amount withdrawn from the ATM (10,000 yen in FIG. 9) and the fee deducted from the charge balance (100 yen in FIG. 9)). Furthermore, in this modified example, the ATM service usage completion screen includes a breakdown of the actual amount withdrawn from the ATM, broken down by type of charge balance. FIG. 17 shows, as an example, a case in which 5,000 yen has been deducted from the charge balance and 5,000 yen has been deducted from the charge balance (salary) out of the actual amount withdrawn.

[0064] According to the embodiment described above, a payment server that implements electronic payment services in conjunction with a payment app installed on a user's terminal device receives an instruction from the payment app to withdraw the user's stored electronic value as cash via an automated teller machine at a financial institution. Upon receiving the instruction, the payment server cooperates with the payment app and the financial institution's server to perform user authentication processing related to the withdrawal, and if the authentication processing is successful, instructs the financial institution's server to execute the withdrawal via the automated teller machine. This reduces the processing load on users of electronic payment services when withdrawing electronic value as cash.

[0065] 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]

[0066] 10 User terminal device 20. Payment App 100 Payment Server 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 150 Information Processing Department 152 Display control unit 154 Withdrawal Instruction Receiving Unit 156 Withdrawal Authentication Department 158 Withdrawal Instruction Department 170 Storage section

Claims

1. a receiving unit that receives, from the payment app, a withdrawal instruction to withdraw, as cash via an automated teller machine of a financial institution, electronic value of the user that is stored in a payment server that implements an electronic payment service in conjunction with a payment app installed on a terminal device of the user, and that is different from the account balance of the financial institution and that can be used for electronic payments at affiliated stores of the electronic payment service; an authentication unit that, when receiving the withdrawal instruction, executes authentication processing of the user regarding the withdrawal in cooperation with the payment application and the server of the financial institution; an instruction unit that instructs a server of the financial institution to execute the withdrawal via the automated teller machine if the authentication process is successful, The authentication unit transmits to the payment application an authentication code to be input into the automated teller machine, receives the authentication code input into the automated teller machine via a server of the financial institution, determines whether the transmitted authentication code matches the received authentication code, and determines that the authentication process has been successful if the transmitted authentication code matches the received authentication code. Information processing device.

2. a display control unit that causes the payment app to display a menu item for sending the withdrawal instruction in response to the user performing a predetermined operation using the payment app; The information processing device according to claim 1 .

3. the display control unit causes the payment app to display a menu item for using a bank account deposit / withdrawal service using the automated teller machine and a menu item for sending the withdrawal instruction together; The information processing device according to claim 2 .

4. When the menu item for sending the withdrawal instruction is selected, the display control unit causes the payment app to display an input screen for inputting a withdrawal amount for each of a plurality of types of electronic value, including electronic value charged to the user account of the electronic payment service by the user and electronic value charged to the user account of the electronic payment service by a person other than the user; The information processing device according to claim 2 .

5. when the instruction unit instructs the server of the financial institution to execute the withdrawal via the automated teller machine, it deducts the withdrawal amount designated by the user from the electronic value; The information processing device according to claim 1 .

6. when the instruction unit instructs the server of the financial institution to execute the withdrawal via the automated teller machine, it deducts the withdrawal amount designated by the user from each of the plurality of types of electronic value; The information processing device according to claim 4 .

7. The computer receiving, from the payment app, a withdrawal instruction to withdraw, as cash via an automated teller machine of a financial institution, electronic value of the user stored in a payment server that implements an electronic payment service in conjunction with a payment app installed on the user's terminal device, the electronic value being different from the account balance of the financial institution and usable for electronic payments at affiliated stores of the electronic payment service; When the withdrawal instruction is received, the payment application and the financial institution's server cooperate to perform authentication processing of the user regarding the withdrawal; If the authentication process is successful, instruct a server of the financial institution to execute the withdrawal via the automated teller machine; an authentication code to be input into the automated teller machine is transmitted to the payment application; the authentication code input into the automated teller machine is received via a server of the financial institution; it is determined whether the transmitted authentication code matches the received authentication code; and if the transmitted authentication code matches the received authentication code, it is determined that the authentication process has been successful. Information processing methods.

8. On the computer, receiving, from the payment app, a withdrawal instruction to withdraw, as cash via an automated teller machine of a financial institution, electronic value of the user stored in a payment server that realizes an electronic payment service in conjunction with a payment app installed on the user's terminal device, the electronic value being different from the account balance of the financial institution and usable for electronic payments at affiliated stores of the electronic payment service; When the withdrawal instruction is received, the payment application and the financial institution's server cooperate to execute authentication processing of the user regarding the withdrawal; If the authentication process is successful, instruct a server of the financial institution to execute the withdrawal via the automated teller machine; causing the payment application to transmit an authentication code to be input into the automated teller machine, receive the authentication code input into the automated teller machine via a server of the financial institution, determine whether the transmitted authentication code matches the received authentication code, and determine that the authentication process has been successful if the transmitted authentication code matches the received authentication code; program.

9. An application program that is installed in a user's terminal device and that implements an electronic payment service in conjunction with a payment server, the application program including: transmitting to the payment server a withdrawal instruction to withdraw, as cash via an automated teller machine of the financial institution, the electronic value of the user stored in the payment server, which is usable for electronic payments at affiliated stores of the electronic payment service and is different from the account balance of the financial institution; When the withdrawal instruction is transmitted, the payment server and the financial institution's server cooperate to execute authentication processing of the user regarding the withdrawal; If the authentication process is successful, displaying notification information indicating that the withdrawal has been executed via the automated teller machine; a menu item for sending the withdrawal instruction is displayed in response to the user performing a predetermined operation; When a menu item for sending the withdrawal instruction is selected, an input screen is displayed for inputting a withdrawal amount for each of a plurality of types of electronic value, including electronic value charged by the user to the user account of the electronic payment service and electronic value charged by an organization other than the user to which the user belongs to the user account as a salary transfer destination. Application program.

Images