Information processing device, information processing method, and program

Abstract

To improve user convenience. [Solution] An information processing device comprising: an acquisition unit that acquires card identification information for identifying a user's card; and a processing unit that refers to setting information stored in a memory unit in which the card identification information is associated with information indicating the use of a first service or information indicating the use of a second service, and executes processing to provide a service according to the setting information.

Description

[Technical Field]

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

[0002] Conventionally, when using a credit card, a credit card management device has been disclosed that determines one of a plurality of payment accounts linked to the credit card and debits the payment amount from that selected payment account (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2025-9261 Summary of the Invention [Problem to be solved by the invention]

[0004] In the past, services using cards were not fully considered, which resulted in poor user convenience. For example, services using credit cards, cash cards, and other cards were not fully considered.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can improve user convenience. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires card identification information for identifying a user's card, and a processing unit that references setting information that associates the card identification information stored in a memory unit with information indicating the use of a first service or information indicating the use of a second service, and executes processing to provide a service according to the setting information. [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, and a program that can improve user convenience. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [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. 2 is a diagram showing the configuration of a credit card company's server 200. [Figure 8] FIG. 2 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. [Figure 9] FIG. 10 is a diagram showing an example of the contents of setting information 290. [Figure 10] FIG. 10 is a diagram showing an interface screen IF4. [Figure 11] FIG. 10 shows an interface screen IF5 displayed by the mini appli 30. [Figure 12]1 is a sequence diagram showing an example of the flow of processing executed by the ATM 400, the credit card company's server 200, and the bank's server 300. FIG. [Figure 13] 10 is a flowchart showing an example of the flow of a change process that enables a mode to be changed. [Figure 14] FIG. 10 is a diagram showing an interface screen IF6 that the ATM 400 causes to be displayed on the display unit. [Figure 15] 10A and 10B are diagrams showing an interface screen IF3-1 for setting a mode for a cash withdrawal process and an interface screen IF3-2 for setting a mode for a cash deposit process. [Figure 16] 1 is a sequence diagram showing an example of the flow of a cash deposit process executed by an ATM 400, a credit card company's server 200, and a bank server 300. FIG. [Figure 17] FIG. 2 is a diagram illustrating an example of a functional configuration of a bank server 300. [Figure 18] FIG. 2 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. [Figure 19] FIG. 10 is a diagram showing an example of the contents of setting information 390. [Figure 20] FIG. 2 is a diagram showing an interface screen IF10. [Figure 21] 10 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the bank server 300. FIG. [Figure 22] 10 is a sequence diagram showing an example of the flow of a cash deposit process executed by the ATM 400 and the bank server 300. FIG. [Figure 23] 10 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the payment server 100. FIG. [Figure 24] 10 is a sequence diagram showing an example of the flow of a cash deposit process executed by the ATM 400 and the settlement server 100. FIG. [Figure 25] FIG. 10 is a diagram illustrating an example of the contents of setting information. [Figure 26] 10 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the payment server 100. FIG. [Figure 27] 1 is a flowchart showing one routine of a process executed by the ATM 400, the allocation server, and other server devices (for example, the credit card server 200, the bank server 300, and the settlement server 100). DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, 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 owner of the device hardware (the cloud server provider) and the business that actually operates the device may also be different. An application program and a 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-world store) that exists 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 different from 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] First Embodiment [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, a credit card server 200 (information processing device), a bank server 300, an ATM (Automated Teller Machine) 400, and a credit card C. These devices communicate, for example, 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. Part or all of the network NW may be a network used for credit card payments.

[0011] Some or all of the functional components included in the electronic payment system may be distributed in any form across multiple devices or integrated into any device. For example, some or all of the functional components of the payment server 100 or the credit card company's server 200 may be included in another device. For example, some or all of the functional components of the credit card company's server 200 may be included in a gateway that mediates communication between the ATM 400 and the credit card company's server 200.

[0012] [Credit card] Credit card C is, for example, a credit card without a cash card function. Credit card C may also be, for example, a credit card with a cash card function. Credit card C may also be a credit card for credit card payments of an electronic payment service described below, or may also be another credit card.

[0013] [User terminal device] 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 app 20, which operates in cooperation with a 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. Furthermore, mini apps 30 that run on the payment app 20 are installed on the user terminal device 10. The mini apps 30 include, for example, mini apps for credit card services and mini apps for banking services.

[0014] [First store terminal device] 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 (code information) 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 (or the display of a terminal device such as a smartphone).

[0015] [Second store terminal device] The second store terminal device 70 is used by the operator of the 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.

[0016] [Payment server] 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.

[0017] 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.

[0018] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 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). The user terminal device 10 then generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits 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 or on the display unit of the first store terminal device 50, 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 transmitted to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0019] 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).

[0020] 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.

[0021] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are 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), a GPU (Graphics Processing Unit), or an SOC (System On Chip), 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 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.

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

[0023] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0024] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the 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. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0025] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0026] [User information] FIG. 5 is a diagram showing an example of the 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.

[0027] 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.).

[0028] [Partner / Store Information] 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.

[0029] [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 used as electronic money itself, for example. Instead, the amount corresponding to the item value of the sales proceeds is transferred to a bank account in accordance with a cycle agreed upon between the affiliated store and the electronic payment service. The affiliated store may receive the sales proceeds as electronic money. In this case, the payment server 100 manages the account (wallet) corresponding to the affiliated store ID, the account's electronic money balance, and the sales proceeds history for each payment method in association with each other.

[0030] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit payment" as follows. Credit 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, and allows electronic payments within the credit payment limit and independent of the charge balance. To receive the credit payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit payment amount in the user information 172 and subtracts the payment amount from the available credit payment amount. If the payment amount exceeds the available credit payment amount, an error notification is returned to the payment app. The amount used for credit payment is settled, for example, for one month in a lump sum on the payment date of the following month, for example, by debit from a bank account. This processing is performed by the operator of the credit card company.

[0031] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172 and 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 affiliated store / store information 176.

[0032] [Credit Server] FIG. 7 is a configuration diagram of the credit card company's server 200. The credit card company's server 200 includes, for example, a communication unit 210, an acquisition unit 220, a processing unit 230, a display control unit 240, a caching unit 250, and a storage unit 270. The components other than the communication unit 210 and the storage 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, GPU, or SOC, 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.

[0033] The storage unit 270 is a hard disk drive (HDD), flash memory, RAM, etc. The storage unit 270 may also be a NAS device that can be accessed by the credit card company's server 200 via a network. The storage unit 270 stores information such as management information 280 and setting information 290 (details of which will be described later).

[0034] The management information 280 is information in which information related to the user or the credit card, such as the credit card identification information (credit card number), security code, name of the credit card user, expiration date, issuer, etc., is associated with each other. The management information 280 also associates the user's cash advance service limit, etc.

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

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

[0037] The processing unit 230 executes processing based on setting information 290, which will be described later.

[0038] The display control unit 240 cooperates with the mini appli 30 to display information related to the credit card service on the display unit of the user terminal device 10 .

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

[0040] [Bank Server] The bank server 300 cooperates with the credit card server 200 to provide cash to the user via the ATM 400 from the deposits in the user's bank account.

[0041] [ATM] The ATM 400 cooperates with the credit card server 200 to provide cash to users.

[0042] [overview] In the case of credit cards that do not have cash card functionality, providing a cash card function to a user requires the credit card to be replaced. In addition, credit cards that do have cash card functionality can be expensive or not user-friendly.

[0043] In this embodiment, by performing the following process, even a credit card that does not have a cash card function can be added with the cash card function service without making any physical changes to the credit card. Since there is no need to physically add the cash card function to a medium, costs can be reduced. Furthermore, the user can set the mode to be used (bank mode or credit mode, which will be described later) by operating the user terminal device 10, thereby improving user convenience. In this way, convenience is improved by this embodiment. This process is explained below.

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

[0045] The credit card server 200 acquires credit card identification information from the ATM 400 with an automated teller function from which the user has read the credit card information. If information indicating that a credit card service will be used is associated in the setting information 290, the credit card server 200 causes the ATM 400 to withdraw cash using the cash advance service of the credit card in the credit card identification information.

[0046] The process for providing the above-mentioned service means, in the case of a credit card service, having the cash advance unit 250 provide cash to the user via the ATM 400 based on the user's cash advance service credit limit and the user's desired amount.

[0047] The credit card server 200 acquires credit card identification information from the ATM 400 with an automated teller function that the user has read the credit card information from. If the setting information 290 is associated with information indicating that bank services will be used, the credit card server 200 causes the ATM 400 to withdraw the money from the bank account corresponding to the credit card identification information.

[0048] The credit card server 200 acquires credit card identification information for identifying the credit card from the ATM 400 with an automated teller function that the user has used to read the credit card information. The credit card server 200 then causes the ATM 400 with an automated teller function to withdraw the money from the bank account associated with the credit card identification information stored in the storage unit 270.

[0049] In the case of a bank service, the process for providing the above service involves having the bank server 300 provide cash to the user via the ATM 400 based on the balance of the user's bank account and the amount the user desires. For example, if the bank server 300 determines that the desired amount can be withdrawn from the deposit, it subtracts the desired amount from the balance and further provides the above determination result and the amount to be withdrawn to the credit card server 200. The credit card server 200 then causes the ATM 400 to dispense cash based on the information obtained from the bank server 300.

[0050] The service provider of ATM 400, the service provider of credit server 200, and the bank of bank server 300 may be different businesses, or some or all of them may be the same. The amount withdrawn from ATM 400 to the user (the amount deducted from the deposit balance) may be provided to the service provider of ATM 400 in the following pattern (1) or (2).

[0051] (1) At regular intervals (or at preset timings for payments to the ATM 400 operator), the bank (bank server 300) deposits the amount withdrawn by the ATM 400 into the credit card operator (credit card server 200), and the credit card operator pays the amount withdrawn to the ATM operator (ATM 400). In this case, a transfer from the user's bank account to the credit card operator's bank account may be performed.

[0052] (2) Payment may be made directly from the bank (bank server 300) to the operator of ATM 400. In this case, the credit card company may calculate the amount to be paid by the bank and notify the amount to the bank, and the notified amount may be paid by the bank to the operator of ATM 400.

[0053] When a cash advance service is used, the credit card company pays the amount withdrawn by ATM 400 for the cash advance service to the operator of ATM 400 at regular intervals (or at a preset interval). This allows for smooth management of the amount withdrawn.

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

[0055] [Settings information] The credit card company's server 200 displays, on the display unit of the user terminal device 10, a button for setting to use a credit card service or a button for setting to use a bank service using the ATM 400. When the user has had their credit card information read by the ATM 400, the credit card company's server 200 manages information on the button operations performed by the user to execute processing to have the service provider's device (the cash advance unit 250, the ATM 400) provide the service.

[0056] For example, the credit card server 200 associates information indicating the use of bank services or information indicating the use of credit card services in the setting information 290 with the credit card identification information in accordance with the information sent by the user operating the user terminal device 10.

[0057] The credit card server 200, for example, displays on the display unit of the user terminal device 10 a button for setting to use the ATM 400 for credit card services or a button for setting to use bank services.

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

[0059] Interface screen IF2 includes, for example, information about various services provided by the credit card service, buttons for receiving various services, etc. When the user performs an operation for setting setting information 290 (an operation for setting a mode), for example, mini app 30 displays interface screen IF3 on the display unit.

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

[0061] The credit mode is a mode in which cash is provided to a user using a credit card cash advance service when the user has had his / her credit card information read by the ATM 400. The bank mode is a mode in which cash is provided to a user using a bank deposit balance when the user has had his / her credit card information read by the ATM 400.

[0062] 9 is a diagram showing an example of the contents of the setting information 290. The setting information 290 is information that associates, for example, a credit card number, the mode set on the interface screen IF3, and bank information provided by the user in other processes. The bank information is, for example, bank identification information, bank account number, and bank account holder information.

[0063] The other process may be a process in which the user registers bank information, or a process in which the credit card server 200 and the bank server 300 cooperate with each other. For example, if the user has not provided bank information, the credit card server 200 displays an interface screen on the display unit requesting permission to cooperate with the bank server 300 and obtain bank information from the bank server 300. If the user gives permission, the credit card server 200 and the bank server 300 share the bank information by performing ID cooperation using the user's identification information.

[0064] If the user has not applied for a credit card cash advance service, the credit card server 200 may display an interface screen for application on the display unit. If the user has not opened a bank account, the credit card server 200 or the bank server 300 may display an interface screen for application to open a bank account on the display unit. By providing the necessary information on each of the above interface screens, the user can use the cash advance service or obtain bank information, thereby enabling cash withdrawal processing.

[0065] The bank account may be a bank account used for debiting the credit card, or a bank account set up by the user that is not used for debiting. For example, if a user holds multiple credit cards, the same bank account may be set up for all of the multiple credit cards, or a different bank account may be set up for each credit card. Furthermore, the bank account may be a bank account at a bank that belongs to the same group as the electronic payment service or credit card, or a bank account outside the group.

[0066] [ATM interface screen] The ATM 400 reads the credit card information presented by the user. When the user operates a button displayed on the display unit of the ATM 400 to use a service that uses the credit card, the credit card company's server 200 executes a process to have the service provider's device provide the service according to the setting information 290.

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

[0068] 10 is a diagram showing interface screen IF4. Interface screen IF4 includes, for example, a first button for withdrawing money and a second button for checking the withdrawable amount. When the second button is pressed, the withdrawable amount is displayed, and when the first button is pressed, the withdrawal is made. The provision of the withdrawable amount and the withdrawal process at this time are performed according to the mode of setting information 290.

[0069] In the credit mode, the available cash advance amount is provided and withdrawals are made using the cash advance service, while in the bank mode, the amount that can be withdrawn from the bank's deposit balance is provided and withdrawals are made using the deposit balance.

[0070] When the first button is operated, the ATM 400 accepts the input of the amount the user wishes to withdraw, the input of the personal identification number, etc., and cooperates with the credit card company server 200 to perform the withdrawal.

[0071] [Mini app interface screen] When the above-mentioned withdrawal is made, the mini app 30 displays the details of the executed process on the display unit of the user terminal device 10. Figure 11 is a diagram showing interface screen IF5 displayed by the mini app 30. Interface screen IF5 is an interface screen that is displayed when, for example, the user makes a withdrawal using a cash advance service. For example, the amount used for the cash advance service (withdrawal amount), information indicating that the cash advance service has been used, information on the remaining credit limit, etc. are displayed.

[0072] If a withdrawal is made using the bank's deposit balance, the amount used (withdrawal amount) from the deposit balance, information indicating that the bank's deposit balance has been used, and information on the deposit balance after the withdrawal will be displayed.

[0073] The change button on interface screen IF5 is a process for canceling the used mode and changing to another mode (see FIG. 13 for details, which will be described later). For example, this change button is used to change from using the deposit balance to using the cash advance service, or from using the cash advance service to using the deposit balance.

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

[0075] After the process of S102, the credit card server 200 may determine whether or not the credit card is a credit card that can execute cash withdrawal processing. For example, if the credit card is a credit card that cannot use cash advance services (a credit card for which no application has been made or that has no credit limit) or if the credit card is a credit card whose bank information is not managed in the setting information 290, the credit card server 200 notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on its display unit that withdrawal is not possible.

[0076] The credit card server 200 may check the validity of the credit card based on the instruction information. For example, it may derive a score indicating the possibility of fraud based on the credit card number, expiration date, issuer, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, it may notify the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 may display on its display unit that withdrawal is not possible.

[0077] When the credit card company's server 200 receives the instruction information of S102, it checks the cash withdrawal processing mode by referring to the setting information 290 (S104). If it is the credit mode, the credit card company's server 200 provides the user with cash via the ATM 400 by utilizing the credit limit of the cash advance service (S106, S108).

[0078] In the bank mode, the credit card server 200 requests the bank server 300 to withdraw money from the deposit (S110). For example, the credit card server 200 provides the bank server 300 with the amount of money the user wishes to withdraw that the user has entered into the ATM 400 and bank information associated with the credit card.

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

[0080] The credit card company's server 200 receives the processing result of the bank server 300 and requests the ATM 400 to make a withdrawal (S114). If the bank server 300 provides information indicating that withdrawal is not possible, or if the user is unable to use the cash advance service, the credit card company's server 200 notifies the ATM 400 that withdrawal is not possible. This notification may be provided to the user terminal device 10.

[0081] When the processing is completed, the credit card company's server 200 provides a completion notice to the user terminal device 10 (S116). For example, the interface screen IF5 of Fig. 11 described above is displayed on the display unit, allowing the user to check the service used. After causing the service provider's device to execute processing to provide the service according to the setting information 290, information indicating that the processing has been completed is notified to the user terminal device 10.

[0082] During the process, information related to the process may be notified to the user terminal device 10. In the above process, after the credit card is inserted into the ATM 400, the credit card company's server 200 may notify the user terminal device 10 of information on the set mode, information indicating that the credit card has been inserted into the ATM 400, information indicating that a withdrawal operation (first button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0083] [Change Processing] The credit card server 200 causes the service provider's device to execute processing for providing the service according to the setting information 290, and then, when it acquires instruction information from the user terminal device 10 instructing to change to a different service from the executed service, cancels the executed service and changes to the different service.

[0084] For example, the interface screen that the ATM 400 displays after inserting a credit card is predetermined. When a user presses the first button for withdrawal, the withdrawal is performed in the mode specified in the setting information 290. However, if the user forgets that they have switched the mode specified in the setting information 290 or mistakenly sets the mode, the withdrawal may be performed in an unintended mode. For this reason, the mode used can be changed by operating the change button on the interface screen IF5 in FIG. 11, which notifies the user that the process is complete. The period during which the change process is possible may be limited.

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

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

[0087] The credit card company's server 200 obtains the result of the determination from the bank server 300 and completes the change process (S204, S206). For example, if the change is possible, the credit card company's server 200 cancels the use of the cash advance service and changes it to a withdrawal from the deposit balance, and notifies the user terminal device 10 of this. If the deposit balance is insufficient, the bank server 300 provides information indicating that the change is not possible, and the credit card company's server 200 notifies the user terminal device 10 that the change is not possible.

[0088] When changing from using the deposit balance to using the cash advance service, if the cash advance service limit is insufficient, the change cannot be made. If the cash advance service limit meets the conditions, the withdrawn amount is returned to the deposit balance (for example, the credit card server 200 or bank server 300 rewrites the electronic ledger). This completes the processing of one routine of this flowchart.

[0089] [Cash deposit processing] In the above example, a process of dispensing cash from the ATM 400 has been described, but in addition to (or instead of) this, a process of depositing cash into the ATM 400 may also be performed.

[0090] The credit card server 200 acquires credit card identification information from the ATM 400 where the user has read the credit card information. If information indicating that bank services will be used is associated in the setting information 290, the credit card server 200 transfers the cash inserted into the ATM 400 to the bank account corresponding to the credit card identification information.

[0091] The credit card server 200 acquires the credit card identification information from the ATM 400 where the user has read the credit card information. If the setting information 290 is associated with information indicating that a credit card service will be used, the credit card server 200 causes the cash inserted into the ATM 400 to be remitted to the company of the credit card in the credit card identification information.

[0092] 14 is a diagram showing an interface screen IF6 that the ATM 400 displays on the display unit. The interface screen IF6 includes, for example, a first button for withdrawing money, a second button for checking the withdrawable amount, and a third button for depositing money. When the third button is operated, money can be deposited. The destination of the deposit at this time is determined by the mode of the setting information 290.

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

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

[0095] The mode setting may be the same for cash withdrawal processing and cash deposit processing, or may be different. Fig. 15 shows an interface screen IF3-1 for setting the mode for cash withdrawal processing and an interface screen IF3-2 for setting the mode for cash deposit processing.

[0096] The user can change the cash withdrawal processing mode on the interface screen IF3-1 that is displayed when the user performs a predetermined operation. The credit card company's server 200 changes the cash withdrawal processing mode in the setting information 290 in response to the operation.

[0097] The user can change the cash deposit processing mode on the interface screen IF3-2 that is displayed when the user performs a predetermined operation. The credit card company's server 200 changes the cash deposit processing mode in the setting information 290 in response to the operation.

[0098] A mode is set for each cash withdrawal process and a mode is set for each cash deposit process in the setting information 290. The credit card server 200 refers to the setting information 290 and provides cash to the user in a mode corresponding to the cash withdrawal process, and remits the deposited cash in a mode corresponding to the cash deposit process to a remittance destination corresponding to the mode.

[0099] In addition, the following may be implemented in the cash deposit process. When the deposit button is pressed in a credit mode cash advance service, in a normal cash advance service, the user's cash advance amount (amount that can be repaid) may be displayed, and cash deposits may be made up to that amount. In bank mode, deposits may be made regardless of the cash advance amount. For example, when a credit card is inserted into ATM 400 and the deposit button is operated, in credit mode, credit card server 200 may transmit the actual repayable amount to ATM 400, and that amount may be displayed on the screen of ATM 400. In bank mode, deposits are accepted regardless of the amount that the user can repay, so the bank server 300 may transmit the maximum depositable amount to ATM 400, and the maximum amount may be displayed on the screen of ATM 400. This improves user convenience.

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

[0101] After the process of S302, the credit card company's server 200 may determine whether or not the credit card is a credit card that can execute cash deposit processing. For example, if the credit card is a credit card that cannot use cash deposit processing (a credit card for which a cash advance service has not been applied or which does not use a cash advance service) or if the credit card is a credit card whose bank information is not managed in the setting information 290, the credit card company's server 200 notifies the ATM 400 of information indicating that depositing money is not possible. In this case, the ATM 400 displays on its display unit that depositing money is not possible.

[0102] The credit card server 200 may check the validity of the credit card based on the instruction information. For example, it may derive a score indicating the possibility of fraud based on the credit card number, expiration date, issuer, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, it may notify the ATM 400 of information indicating that the deposit cannot be made. In this case, the ATM 400 may display on its display unit that the deposit cannot be made.

[0103] When the credit card company's server 200 receives the instruction information of S302, it checks the cash deposit processing mode by referring to the setting information 290 (S304). If the mode is the credit mode, the credit card company's server 200 executes the ATM repayment (or transfers the money to an account specified by the credit card company) using the cash deposited by the user, and provides information indicating that the ATM repayment has been executed via the ATM 400 (S306, S308).

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

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

[0106] The credit card company's server 200 receives the notification of completion from the bank's server 300 and notifies the ATM 400 of this (S314). In response, the ATM 400 displays an interface screen on the display unit indicating that the deposit has been completed.

[0107] When the process is completed, the credit card company's server 200 notifies the user terminal device 10 of the completion (S316).

[0108] In the above process, after the credit card is inserted into the ATM 400, the credit card company's server 200 may notify the user terminal device 10 of information on the set mode, information indicating that the credit card has been inserted into the ATM 400, information indicating that a deposit operation (third button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0109] Change processing may also be performed in cash deposit processing. For example, after a repayment for a cash advance service has been made, the credit card company's server 200 may cancel the repayment in response to a user's operation and deposit the money into a savings account. For example, after a deposit has been made into a savings account, the credit card company's server 200 may cancel the deposit in response to a user's operation and change it to a repayment for a cash advance. In this way, even if a user performs an unintended process, the process can be corrected to the intended process by making a change.

[0110] In the above example, the credit card company's server 200 is described as determining whether or not the credit mode is selected by referring to the setting information 290. However, instead, another server may execute these processes. In this case, the other server may request the credit card company's server 200 to execute the process for the cash advance service if the credit mode is selected, and may request the bank server 300 to execute the process for the bank mode service if the mode is selected.

[0111] According to the first embodiment described above, the payment server 100 refers to the setting information 290 in which the credit card identification information stored in the memory unit 270 is associated with information indicating the use of a bank service or information indicating the use of a credit card service, and executes processing to cause the device of the service provider according to the setting information 290 to provide the service, thereby improving convenience for the user.

[0112] Second Embodiment The second embodiment will be described below. In the first embodiment, processing using a credit card was described. In the second embodiment, processing using a card other than a credit card will be described. Differences from the first embodiment will be mainly described.

[0113] [overview] An information processing device (for example, a bank server or other server described below) acquires card identification information for identifying a user's card. The information processing device (processing unit 330) references setting information stored in a storage unit, in which the card identification information is associated with information indicating the use of a first service or information indicating the use of a second service, and executes processing to have a service provided according to the setting information. The processing to have a service provided is to have the device itself provide the service (for example, a "cash withdrawal process" or a "cash deposit process"), or to have another device provide the service.

[0114] The information processing device associates information indicating that the first service or the second service will be used in the setting information with the card identification information, depending on the information sent by the user by operating the user's user terminal device.

[0115] The card may be a cash card, a prepaid card, a credit card, or a card issued by an electronic payment service provider. The card may be any card other than the cards exemplified above.

[0116] The first service and the second service are any services. One of the first service and the second service may be a financial service, or both may be financial services. Examples of financial services include a service for withdrawing cash from ATM 400 ("cash withdrawal processing") and a service for transferring cash deposited into ATM 400 ("cash deposit processing"). Specific examples are given below, but the present invention is not limited to these.

[0117] The information processing device acquires the card identification information from ATM 400 where the user has read the card information. If the setting information is associated with information indicating the use of a first service, the information processing device causes the terminal device to dispense cash for the first financial service corresponding to the card identification information. If the setting information is associated with information indicating the use of a second service, the information processing device causes ATM 400 to dispense cash for the second financial service corresponding to the card identification information.

[0118] [Cash card services] Services using cash cards are described below. FIG. 17 illustrates an example of the functional configuration of the bank server 300. The bank server 300 includes, for example, a communication unit 310, an acquisition unit 320, a processing unit 330, a display control unit 340, a caching unit 350, and a storage unit 370. The components other than the communication unit 310 and the storage unit 370 are implemented by 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, GPU, or SOC, or 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 an 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.

[0119] The storage unit 370 is a hard disk drive (HDD), flash memory, RAM, etc. The storage unit 370 may also be a NAS device that the bank server 300 can access via a network. The storage unit 370 stores information such as management information 380 and setting information 390 (details of which will be described later).

[0120] The management information 380 is information in which information related to the user or the cash card, such as the identification information of the cash card (cash card number), the name of the cash card user, the expiration date, etc., is associated with each other. The management information 380 also associates the usage limit of the cash advance service of the user, etc.

[0121] The communication unit 310 has the same functional configuration as the communication unit 210. The acquisition unit 320 has the same functional configuration as the acquisition unit 220. The processing unit 330 executes processing based on setting information 390, which will be described later.

[0122] The display control unit 240 cooperates with the bank service mini-app 30 to display information about the bank service on the display unit of the user terminal device 10. The cash advance unit 350 provides cash to the user via the ATM 400 based on the cash advance service usage limit in the management information 380 and the desired amount entered by the user at the ATM 400.

[0123] [Settings information] The bank server 300 displays on the display unit of the user terminal device 10 a button for setting the use of the first service using the ATM 400 or a button for setting the use of the second service. The first service is, for example, a service for withdrawing money from the user's account. The second service is a service for withdrawing money through a cash advance service. The bank server 300 manages information on button operations performed by the user to execute processing to have the service provider's device (cashing unit 350, ATM 400) provide the service when the user has had the ATM 400 read information from the user's cash card.

[0124] The bank server 300 associates information indicating the use of the first service or information indicating the use of the second service in the setting information 390 with the cash card identification information, for example, depending on the information sent by the user by operating the user terminal device 10.

[0125] 18 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. The interface screen IF10 has buttons for setting whether to use the first mode of the first service or the second mode of the second service. Based on the user's operation on the interface screen IF10, the bank server 300 generates setting information 390.

[0126] The first mode is a mode in which cash is provided to a user using the user's deposit balance when the user has had their cash card information read by ATM 400. The second mode is a mode in which cash is provided to a user using the cash card's cash advance service when the user has had their cash card information read by ATM 400.

[0127] As explained above with reference to FIG. 15, the mode for withdrawal and the mode for deposit may be set separately.

[0128] 19 is a diagram showing an example of the contents of the setting information 390. The setting information 390 is information that associates, for example, a cash card number, a mode set on the interface screen IF10, and bank information provided by the user. The bank information is, for example, bank identification information, a bank account number, and information on the bank account holder.

[0129] [ATM interface screen] The ATM 400 reads the information on the cash card presented by the user. When the user operates a button displayed on the display unit of the ATM 400 to use a service using the cash card, the bank server 300 executes a process to have the service provider's device provide the service according to the setting information 390.

[0130] When a user inserts a cash card into the ATM 400, the ATM 400 displays an interface screen IF11 on the display unit of the ATM 400. The ATM 400 recognizes that a cash card has been inserted based on, for example, the magnetic stripe of the cash card or information stored in the memory unit of the IC chip, and displays the interface screen IF11 for the cash card service on the display unit.

[0131] FIG. 20 is a diagram showing the interface screen IF10. The interface screen IF10 includes, for example, a first button for withdrawal, a second button for checking the withdrawable amount, and a third button for depositing. When the second button is operated, the withdrawable amount is displayed. When the first button is operated, a withdrawal is made. When the third button is operated, a deposit is made. The provision of the withdrawable amount, withdrawal, and deposit processes at this time are performed according to the mode of the setting information 390 (the service to be used set in the setting information 390).

[0132] In the first withdrawal mode (first service), the amount that can be withdrawn from the bank's deposit balance is provided, and the withdrawal is made using the deposit balance. In the second withdrawal mode (second service), the amount available for the cash advance service is provided, and the withdrawal is made using the cash advance service.

[0133] When the first button is operated, the ATM 400 accepts input of the amount the user wishes to withdraw, input of a personal identification number, etc., and cooperates with the bank server 300 to perform the withdrawal.

[0134] In the first deposit mode (first service), the cash deposited into ATM 400 is transferred to the user's bank account and deposited. In the second deposit mode (second service), when the cash is deposited into ATM 400, the deposited amount is processed as a repayment for the amount used for the cash advance service used by the user.

[0135] [Mini app interface screen] When the above withdrawal or deposit is made, mini app 30 displays the details of the executed process on the display of user terminal device 10. In the case of a withdrawal from a cash advance service, the amount used for the cash advance service (withdrawal amount), information indicating that the cash advance service has been used, information on the remaining credit limit, etc. are displayed. In the case of a withdrawal using a bank deposit balance, the amount used (withdrawal amount) from the deposit balance, information indicating that the bank deposit balance has been used, information on the deposit balance after the withdrawal, etc. are displayed. In the case of a deposit from a cash advance service, the remaining amount used for the cash advance service, information indicating that the ATM repayment for the cash advance service has been made, information on the remaining credit limit, etc. are displayed. In the case of a deposit using a bank deposit balance, the deposit balance, information indicating that the bank deposit balance has been used, etc. are displayed.

[0136] Furthermore, as shown in FIG. 11 above, a change button may be included on the interface screen displayed by mini app 30. In the case of a withdrawal, the change button is, for example, a button for changing from using the deposit balance to using a cash advance service, or from using a cash advance service to using the deposit balance. In the case of a deposit, the change button is, for example, a button for changing from depositing money to repaying a cash advance service after money has been deposited into the deposit balance, or from using money to repay a cash advance service to transferring the deposit balance.

[0137] [Sequence diagram] The bank server 300 acquires the card identification information from the ATM 400 where the user has read the cash card information. If the setting information 390 is associated with information indicating the use of the first service, the bank server 300 causes the ATM 400 to withdraw the deposit in the bank account corresponding to the cash card identification information, and if the setting information 390 is associated with information indicating the use of the second service, the bank server 300 causes the ATM 400 to withdraw the cash used in the cash advance service.

[0138] 21 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the bank server 300. When a user inserts a cash card into the ATM 400, the ATM 400 reads the information on the cash card and displays an interface screen for the cash card service on the display unit (S400). Next, when the user operates the first button for withdrawal, the ATM 400 provides instruction information to the bank server 300 instructing the withdrawal in accordance with the operation (S402). The instruction information includes, for example, the cash card number.

[0139] After processing S402, the bank server 300 may determine whether the cash card is a cash card that can execute cash withdrawal processing. For example, if the cash card is a cash card that cannot use the cash advance service (a cash card for which no application has been made or that has no credit limit) or if the cash card's bank information is not managed in the setting information 390, the bank server 300 notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on its display unit that withdrawal is not possible.

[0140] The bank server 300 may check the validity of the cash card based on the instruction information. For example, the bank server 300 may derive a score indicating the possibility of fraud based on the cash card number, expiration date, issuer, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, notify the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on a display unit that withdrawal is not possible.

[0141] When the bank server 300 receives the instruction information of S402, it checks the cash withdrawal processing mode by referring to the setting information 390 (S404). If the mode is cash advance mode, the bank server 300 provides cash to the user via the ATM 400 using the credit limit of the cash advance service (S406, S408, S412).

[0142] In the bank mode, the bank server 300 executes a process to withdraw money from the deposit in the user's bank account (S410). For example, the bank server 300 performs the withdrawal based on the desired withdrawal amount entered by the user into the ATM 400 and the bank information associated with the cash card. For example, the bank server 300 determines whether the desired amount can be withdrawn from the balance of the bank account in the bank information.

[0143] The bank server 300 sends a withdrawal request to the ATM 400 (S412). If the withdrawal cannot be performed or if the user cannot use the cash advance service, the bank server 300 notifies the ATM 400 that the withdrawal cannot be performed. This notification may be provided to the user terminal device 10.

[0144] When the processing is completed, the bank server 300 provides a completion notification to the user terminal device 10 (S414). For example, the interface screen IF5 of Fig. 11 described above is displayed on the display unit, allowing the user to check the service used. After causing the device of the service provider to execute processing to provide the service according to the setting information 390, information indicating that the processing is completed is notified to the user terminal device 10.

[0145] During the process, information related to the process may be notified to the user terminal device 10. In the above process, after the cash card is inserted into the ATM 400, the bank server 300 may notify the user terminal device 10 of information on the set mode, information indicating that the cash card has been inserted into the ATM 400, information indicating that a withdrawal operation (first button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0146] Change processing may also be performed during cash withdrawal processing. For example, after a cash advance withdrawal is performed, the bank server 300 may cancel the withdrawal in response to a user operation and change it to a withdrawal from a deposit account. For example, after a cash advance withdrawal is performed, the bank server 300 may cancel the withdrawal in response to a user operation and change it to a cash advance withdrawal. In this way, even if a user performs an unintended process, the process can be corrected to the intended process by making a change.

[0147] As described above, by having the ATM 400 read the cash card number, the user can receive services in the mode set by the user, thereby improving convenience for the user.

[0148] [Cash deposit processing] In the above example, a process of dispensing cash from the ATM 400 has been described, but in addition to (or instead of) this, a process of depositing cash into the ATM 400 may also be performed.

[0149] The bank server 300 acquires card identification information from the ATM 400 where the user has read the card information. If the setting information 390 is associated with information indicating the use of the first service, the bank server 300 causes the cash inserted into the ATM 400 to be transferred to the bank account corresponding to the card identification information. If the setting information 390 is associated with information indicating the use of the second service, the bank server 300 causes the cash inserted into the ATM 400 to be transferred to the provider of the cash advance service corresponding to the card identification information (ATM repayment). The mode setting may be the same for cash withdrawal processing and cash deposit processing, or may be different.

[0150] As described above, the user can change the mode on the interface screen that is displayed when the user performs a predetermined operation, and the bank server 300 changes the mode in the setting information 390 in response to the operation.

[0151] For example, when a cash card is inserted into the ATM 400 and the deposit button is operated, in cashing mode, the bank server 300 may transmit the amount that can actually be repaid to the ATM 400, and the amount may be displayed on the screen of the ATM 400. This improves convenience for users.

[0152] [Sequence diagram] 22 is a sequence diagram showing an example of the flow of cash deposit processing executed by the ATM 400 and the bank server 300. When a user inserts a cash card into the ATM 400, the ATM 400 reads the information on the cash card and displays an interface screen for the cash card service on the display unit (S500). Next, when the user operates the third button for depositing money, the ATM 400 provides instruction information to the bank server 300 instructing the bank server 300 to deposit money in accordance with the operation (S502). The instruction information includes, for example, the cash card number.

[0153] After processing S502, the bank server 300 may determine whether the cash card is a cash card capable of executing cash deposit processing. For example, if the cash card is a cash card that cannot use cash deposit processing (a cash card for which a cash advance service has not been applied or is not using a cash advance service) or if the cash card's bank information is not managed in the setting information 390, the bank server 300 notifies the ATM 400 of information indicating that deposits cannot be made. In this case, the ATM 400 displays on its display unit that deposits cannot be made.

[0154] The bank server 300 may check the validity of the cash card based on the instruction information. For example, the bank server 300 derives a score indicating the possibility of fraud based on the cash card number, expiration date, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, notifies the ATM 400 of information indicating that deposits cannot be made. In this case, the ATM 400 displays on a display unit that deposits cannot be made.

[0155] When the bank server 300 receives the instruction information of S502, it checks the cash deposit processing mode by referring to the setting information 390 (S504). If it is in the cash advance mode, the bank server 300 executes an ATM repayment (or a process of transferring money to a specified account) using the cash deposited by the user, and provides information indicating that the ATM repayment has been executed via the ATM 400 (S506, S508).

[0156] In the bank mode, the bank server 300 executes a process to deposit the deposited amount into the user's savings account (S510). For example, the bank server 300 adds the deposited amount to the balance of the bank account in the bank information.

[0157] When the bank server 300 completes the process, it notifies the ATM 400 that the process has been completed (S512). As a result, the ATM 400 displays an interface screen on the display unit indicating that the deposit has been completed. When the process is completed, the bank server 300 provides a completion notification to the user terminal device 10 (S514).

[0158] In the above process, after the cash card is inserted into the ATM 400, the bank server 300 may notify the user terminal device 10 of information such as the set mode, information indicating that the cash card has been inserted into the ATM 400, and information indicating that a deposit operation (third button) has been performed. This allows the user to easily recognize the service they are about to use.

[0159] Change processing may also be performed during cash deposit processing. For example, after a repayment for a cash advance service has been made, the bank server 300 may cancel the repayment in response to a user operation and deposit the money into a savings account. For example, after a deposit has been made into a savings account, the bank server 300 may cancel the deposit in response to a user operation and change it to a repayment for a cash advance. In this way, even if a user performs an unintended process, the process can be corrected to the intended process by making a change.

[0160] As described above, by having the ATM 400 read the cash card number, the user can receive the service in the mode set by the user, thereby improving user convenience. Note that in the above process, some or all of the processes executed by the bank server 300 may be executed by another server. For example, the cash advance service may be executed by another server. In this case, the bank server 300 and the other server cooperate to provide the service.

[0161] [Services using prepaid cards] A service using a prepaid card will be described below. For example, the payment server 100 or another server device executes processing using a prepaid card. The payment server 100 or another server device has functional configurations similar to those of the acquisition unit 320, processing unit 330, display control unit 340, and caching unit 350 described in the bank server 300, for example. The memory unit 170 of the payment server 100 (or the memory unit of another server) stores information such as management information and setting information (described in detail later). In the following description, it is assumed that the payment server 100 executes processing.

[0162] The management information is information in which information about the user or the prepaid card, such as the prepaid card identification information (prepaid card number), the name of the prepaid card user, and expiration date, is associated with each other. The management information is further associated with the user's cash advance service limit, etc. The prepaid card identification information is managed, for example, in association with identification information for identifying the user in user information 172.

[0163] A prepaid card is a card that makes payments by using a balance associated with a charge on an account (instance) of user information 172 or identification information for identifying a user that is managed by an electronic payment service.

[0164] [Settings information] The payment server 100 displays on the display unit of the user terminal device 10 a button for setting to use the first service using the ATM 400 or a button for setting to use the second service. The first service is, for example, a service for withdrawing money from the user's account (balance) of a prepaid card. The second service is a service for withdrawing money through a cash advance service. When the user has the ATM 400 read information on the prepaid card, the payment server 100 manages information on the button operation performed by the user to execute a process to have the service provider's device (cashing unit, ATM 400) provide the service.

[0165] The payment server 100 associates, for example, information indicating the use of the first service or information indicating the use of the second service in the setting information with the prepaid card identification information, depending on the information sent by the user operating the user terminal device 10.

[0166] The user can set the provision of the first service or the second service by operating an interface screen displayed on the display unit of the user terminal device 10. The interface screen displays buttons for setting whether to use the first mode of the first service or the second mode of the second service, and the payment server 100 generates setting information based on the user's operation of the buttons.

[0167] The first mode is a mode in which cash is provided to a user using the balance on the prepaid card when the user has had the information on the prepaid card read by the ATM 400. The second mode is a mode in which cash is provided to a user using the cash advance service of the prepaid card when the user has had the information on the prepaid card read by the ATM 400.

[0168] As explained above with reference to FIG. 15, the mode for withdrawal and the mode for deposit may be set separately.

[0169] The setting information is, for example, information that associates the prepaid card number, the mode set on the interface screen, and the provided information provided by the user. The provided information is, for example, the user's identification information (e.g., account ID).

[0170] [ATM interface screen] The ATM 400 reads the information on the prepaid card presented by the user. When the user operates a button displayed on the display unit of the ATM 400 to use a service that uses the prepaid card, the payment server 100 executes a process to have the device of the service provider provide the service according to the setting information.

[0171] When a user inserts a prepaid card into the ATM 400, the ATM 400 displays an interface screen on the display unit of the ATM 400. The ATM 400 recognizes that a prepaid card has been inserted based on, for example, the magnetic stripe of the prepaid card or information stored in the memory unit of the IC chip, and displays an interface screen for the prepaid card service on the display unit.

[0172] The interface screen includes, for example, a first button for withdrawal, a second button for checking the withdrawable amount, and a third button for depositing. When the second button is operated, the withdrawable amount is displayed. When the first button is operated, a withdrawal is made. When the third button is operated, a deposit is made. The provision of the withdrawable amount, withdrawal, and deposit processes at this time are performed according to the mode of the setting information.

[0173] In the first withdrawal mode, the amount that can be withdrawn from the balance of the prepaid card is provided, and the withdrawal is made using the balance. In the second withdrawal mode, the available amount for the cash advance service is provided, and the withdrawal is made using the cash advance service. The usage limit for the cash advance service is associated with the prepaid card number and managed in the storage unit 170.

[0174] When the first button is operated, the ATM 400 accepts input of the amount the user wishes to withdraw, input of a personal identification number, and the like, and cooperates with the settlement server 100 to perform the withdrawal.

[0175] In the first deposit mode, the cash deposited into ATM 400 is transferred to the user's balance on the prepaid card and deposited. In the second deposit mode, when the cash is deposited into ATM 400, the deposited amount is processed as a repayment for the amount used for the cash advance service used by the user.

[0176] [Payment app interface screen] When the above-mentioned withdrawal or deposit is made, the payment application 20 displays the details of the executed process on the display unit of the user terminal device 10. In the case of a withdrawal from a cash advance service, the amount used for the cash advance service (withdrawal amount), information indicating that the cash advance service has been used, information on the remaining credit limit, etc. are displayed. In the case of a withdrawal using the balance of a prepaid card, the amount used (withdrawal amount) from the balance, information indicating that the balance of the prepaid card has been used, information on the balance after the withdrawal, etc. are displayed. In the case of a deposit into the balance of a cash advance service, the remaining amount used for the cash advance service, information indicating that the cash advance service has been used, information on the remaining credit limit, etc. are displayed. In the case of a deposit into the balance of a prepaid card, the balance of the prepaid card, information indicating that a deposit has been made into the balance, etc. are displayed.

[0177] Furthermore, as shown in FIG. 11 described above, the interface screen displayed by the payment app 20 may include a change button. In the case of a withdrawal, the change button is, for example, a change button for changing from using the balance on the prepaid card to using a cash advance service after using the balance on the prepaid card, or a change button for changing from using the cash advance service to using the balance on the prepaid card after using the cash advance service. In the case of a deposit, the change button is, for example, a change button for changing from depositing money into the balance on the prepaid card to paying back the cash advance service, or from using money to paying back the cash advance service to transferring the balance on the prepaid card.

[0178] [Sequence diagram] The payment server 100 acquires prepaid card identification information from the ATM 400 where the user has read the information on the prepaid card. If the setting information is associated with information indicating that the first service will be used, the payment server 100 causes the ATM 400 to withdraw cash from the balance of the prepaid card corresponding to the prepaid card identification information. If the setting information is associated with information indicating that the second service will be used, the payment server 100 causes the ATM 400 to withdraw cash used for the cash advance service.

[0179] 23 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the payment server 100. When a user inserts a prepaid card into the ATM 400, the ATM 400 reads the information on the prepaid card and displays an interface screen for the prepaid card service on the display unit (S400). Next, when the user operates the first button for withdrawal, the ATM 400 provides instruction information to the payment server 100 instructing the withdrawal in accordance with the operation (S402). The instruction information includes information such as the prepaid card number, for example.

[0180] After processing S402, the payment server 100 may determine whether the prepaid card is a prepaid card that can execute cash withdrawal processing. For example, if the prepaid card is a prepaid card that cannot use the cash advance service (a prepaid card for which no application has been made or that has no credit limit) or if the prepaid card is a prepaid card for which predetermined information such as provided information is not managed in the setting information, the payment server 100 notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on the display unit that withdrawal is not possible.

[0181] The payment server 100 may check the validity of the prepaid card based on the instruction information. For example, it derives a score indicating the possibility of fraud based on the prepaid card number, expiration date, issuer, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, it notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on its display unit that withdrawal is not possible.

[0182] When the payment server 100 receives the instruction information of S402, it checks the cash withdrawal processing mode by referring to the setting information (S404). If it is the cash advance mode, the payment server 100 provides cash to the user via the ATM 400 by utilizing the credit limit of the cash advance service (S406, S408, S412).

[0183] In the prepaid mode, the payment server 100 executes a process to withdraw money from the balance of the user's prepaid card (S410#). For example, the payment server 100 performs the withdrawal based on the desired amount to be withdrawn that the user inputs into the ATM 400 and the balance associated with the prepaid card. For example, the payment server 100 determines whether the desired amount can be withdrawn from the balance of the prepaid card. If the withdrawal is possible, the payment server 100 makes a withdrawal request to the ATM 400 (S412).

[0184] If the withdrawal is not possible or if the cash advance service is not available to the user, the settlement server 100 notifies the ATM 400 that the withdrawal is not possible. This notification may be provided to the user terminal device 10.

[0185] When the processing is completed, the payment server 100 provides a completion notification to the user terminal device 10 (S414). For example, the interface screen IF5 of Fig. 11 described above is displayed on the display unit, allowing the user to check the service used. After causing the device of the service provider to execute processing to provide the service according to the setting information, information indicating that the processing has been completed is notified to the user terminal device 10.

[0186] During the process, information related to the process may be notified to the user terminal device 10. In the above process, after the prepaid card is inserted into the ATM 400, the payment server 100 may notify the user terminal device 10 of information on the set mode, information indicating that the prepaid card has been inserted into the ATM 400, information indicating that a withdrawal operation (first button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0187] Change processing may also be performed in cash withdrawal processing. For example, after a withdrawal for a cash advance service has been performed, the payment server 100 may cancel this withdrawal in response to a user operation and change it to a withdrawal from the balance of a prepaid card. For example, after a withdrawal from the balance of a prepaid card has been performed, the payment server 100 may cancel this withdrawal in response to a user operation and change it to a withdrawal for a cash advance service. In this way, even if a user performs an unintended process, the process can be corrected to the intended process by making a change.

[0188] As described above, by having the ATM 400 read the prepaid card number, the user can receive the service in the mode set by the user, thereby improving convenience for the user.

[0189] [Cash deposit processing] In the above example, a process of dispensing cash from the ATM 400 has been described, but in addition to (or instead of) this, a process of depositing cash into the ATM 400 may also be performed.

[0190] The payment server 100 acquires card identification information from the ATM 400 where the user has read card information. If the setting information is associated with information indicating the use of the first service, the payment server 100 causes the ATM 400 to remit cash inserted into the ATM 400 to an account that manages the balance of the prepaid card corresponding to the prepaid identification information. If the setting information is associated with information indicating the use of the second service, the payment server 100 causes the ATM 400 to remit cash inserted into the ATM 400 to a cash advance service provider. The mode setting may be the same for cash withdrawal processing and cash deposit processing, or may be different.

[0191] As described above, the user can change the mode on the interface screen that is displayed when the user performs a predetermined operation, and the payment server 100 changes the mode in the setting information in response to the operation.

[0192] For example, when a prepaid card is inserted into the ATM 400 and the deposit button is operated, in the case of cashing mode, the payment server 100 may transmit the amount that can actually be repaid to the ATM 400, and the amount may be displayed on the screen of the ATM 400. This improves convenience for users.

[0193] [Sequence diagram] 24 is a sequence diagram showing an example of the flow of cash deposit processing executed by the ATM 400 and the payment server 100. When a user inserts a prepaid card into the ATM 400, the ATM 400 reads the information on the prepaid card and displays an interface screen for the prepaid card service on the display unit (S500). Next, when the user operates the third button for depositing money, the ATM 400 provides instruction information to the payment server 100 instructing the user to deposit money in accordance with the operation (S502). The instruction information includes information such as the prepaid card number, for example.

[0194] After the process of S502, the payment server 100 may determine whether the prepaid card is a prepaid card capable of executing cash deposit processing. For example, if the prepaid card is a prepaid card that cannot use cash deposit processing (a prepaid card for which a cash advance service has not been applied or for which no cash advance service is used) or if the prepaid card is a prepaid card for which predetermined information (provided information) is not managed in the setting information, the payment server 100 notifies the ATM 400 of information indicating that depositing money is not possible. In this case, the ATM 400 displays on the display unit that depositing money is not possible.

[0195] The payment server 100 may check the validity of the prepaid card based on the instruction information. For example, it derives a score indicating the possibility of fraud based on the prepaid card number, expiration date, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, it notifies the ATM 400 of information indicating that deposits cannot be made. In this case, the ATM 400 displays on a display unit that deposits cannot be made.

[0196] When the payment server 100 receives the instruction information of S502, it checks the cash deposit processing mode by referring to the setting information (S504). If it is the cash advance mode, the payment server 100 executes ATM repayment (or a process of transferring money to a specified account) using the cash deposited by the user, and provides information indicating that ATM repayment has been executed via the ATM 400 (S506, S508).

[0197] In the prepaid mode, payment server 100 executes a process of crediting the deposited amount to the balance of the prepaid card (S510#). For example, payment server 100 adds (charges) the deposited amount to the balance of the prepaid card.

[0198] When the payment server 100 completes the process, it notifies the ATM 400 that the process has been completed (S512). As a result, the ATM 400 displays an interface screen on the display unit indicating that the deposit has been completed. When the process is completed, the payment server 100 provides a completion notification to the user terminal device 10 (S514).

[0199] In the above process, after the prepaid card is inserted into the ATM 400, the payment server 100 may notify the user terminal device 10 of information on the set mode, information indicating that the prepaid card has been inserted into the ATM 400, information indicating that a deposit operation (third button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0200] Change processing may also be performed in cash deposit processing. For example, after a repayment for a cash advance service has been made, the payment server 100 may cancel the repayment in response to a user operation and deposit the money into a prepaid card account. For example, after a deposit has been made into a prepaid card account, the payment server 100 may cancel the deposit in response to a user operation and change it to a repayment for a cash advance service. In this way, even if the user has performed an unintended process, the process can be corrected to the intended process by making a change.

[0201] As described above, by having the ATM 400 read the prepaid card number, the user can receive the service in the mode set by the user, thereby improving user convenience. Note that in the above processing, some or all of the processing executed by the payment server 100 may be executed by another server. For example, the processing for the cash advance service may be executed by another server. In this case, the payment server 100 and the other server cooperate to provide the service.

[0202] [Services using service cards] Services using the service card will be described below. For example, the payment server 100 or another server device executes processing using the service card. The payment server 100 or another server device has functional configurations similar to, for example, the acquisition unit 320, processing unit 330, display control unit 340, and caching unit 350 described in the bank server 300. The memory unit 170 of the payment server 100 (memory unit of another device) stores information such as management information and setting information (described in detail later).

[0203] The management information is information in which information related to the user or the service card, such as the service card identification information (service card number), the name of the service card user, and expiration date, is associated with each other. The management information further associates the user's usage limit for the first service or second service cash advance service, etc. The service card identification information is managed, for example, in association with identification information for identifying the user in the user information 172.

[0204] [Settings information] The payment server 100 displays, on the display unit of the user terminal device 10, a button for setting to use the first service using the ATM 400 or a button for setting to use the second service. The first service is, for example, a service for making a withdrawal using a cash advance service of the first service linked to a service card. The second service is, for example, a service for making a withdrawal using a cash advance service of the second service linked to a service card. When the user has the ATM 400 read the information on the service card, the payment server 100 manages information on button operations performed by the user to execute processing to have the service provider's device (cashing unit, ATM 400) provide the service. Note that the first service and the second service may be services different from those described above. For example, they may be services different from financial services.

[0205] The payment server 100 associates, for example, information indicating that the first service or the second service will be used in the setting information with the service card identification information, depending on the information sent by the user operating the user terminal device 10.

[0206] 25 is a diagram showing an example of the contents of the setting information. The setting information is information in which a service card number, a mode set by a user (first service mode or second service mode), first service information, and second service information are associated with each other. The first service information is information about a server device that provides the first service (e.g., information used to provide the service, such as an access destination). The second service information is information about a server device that provides the second service (e.g., information used to provide the service, such as an access destination).

[0207] The payment server 100, for example, displays on the display unit of the user terminal device 10 a button for setting to use the first service using the ATM 400 or a button for setting to use the second service.

[0208] The user can set the provision of the first service or the second service by operating an interface screen displayed on the display unit of the user terminal device 10. The interface screen displays buttons for setting whether to use the first mode of the first service or the second mode of the second service, and the payment server 100 generates setting information based on the user's operation of the buttons.

[0209] The first mode is a mode in which the first service is provided when the user has the ATM 400 read information from a service card. The second mode is a mode in which the first service is provided when the user has the ATM 400 read information from a service card. The first service is, for example, a mode in which a provider of the first service provides a cash advance service. The second service is, for example, a mode in which a provider of the second service provides a cash advance service.

[0210] As explained above with reference to FIG. 15, the mode for withdrawal and the mode for deposit may be set separately.

[0211] [ATM interface screen] The ATM 400 reads the information on the service card presented by the user. When the user operates a button to use a service using the service card displayed on the display unit of the ATM 400, the payment server 100 executes a process to have the device of the service provider provide the service according to the setting information.

[0212] When a user inserts a service card into the ATM 400, the ATM 400 displays an interface screen on the display unit of the ATM 400. The ATM 400 recognizes that a service card has been inserted based on, for example, the magnetic stripe of the service card or information stored in the memory unit of the IC chip, and displays the interface screen for the service card service on the display unit.

[0213] The interface screen includes, for example, a first button for withdrawal, a second button for checking the withdrawable amount, and a third button for depositing. When the second button is operated, the withdrawable amount is displayed. When the first button is operated, a withdrawal is made. When the third button is operated, a deposit is made. The provision of the withdrawable amount, withdrawal, and deposit processes at this time are performed according to the mode of the setting information.

[0214] In the first withdrawal mode, the available amount for the cash advance service of the first service is provided, and withdrawal is made using the cash advance service. In the second withdrawal mode, the available amount for the cash advance service of the second service is provided, and withdrawal is made using the cash advance service. The usage limit for the cash advance service may be associated with the service card number and managed in the storage unit 170. The usage limit may be provided via the payment server 100 from the first financial server providing the first service or the second financial server providing the second service.

[0215] When the first button is operated, the ATM 400 accepts input of the amount the user wishes to withdraw, input of a personal identification number, and the like, and cooperates with the settlement server 100 to perform the withdrawal.

[0216] In the first deposit mode, when money is deposited into ATM 400, the deposited amount is processed as a repayment for the amount used for the first cash advance service that the user used. In the second deposit mode, when money is deposited into ATM 400, the deposited amount is processed as a repayment for the amount used for the second cash advance service that the user used.

[0217] [Payment app interface screen] When the above-mentioned withdrawal or deposit is made, the payment application 20 displays the details of the executed process on the display unit of the user terminal device 10. In the case of a withdrawal, the amount used for the cash advance service (withdrawal amount), information indicating that the cash advance service has been used, information on the remaining credit limit, etc. are displayed. In the case of a deposit, the remaining amount used for the cash advance service, information indicating that the cash advance service has been repaid at an ATM, information on the remaining credit limit, etc. are displayed.

[0218] Furthermore, as shown in FIG. 11 described above, the interface screen displayed by the payment app 20 may include a change button. In the case of a withdrawal, the change button is, for example, a button for changing from using a cash advance service of a first service to using a cash advance service of a second service, or from using a cash advance service of a second service to using a cash advance service of the first service. In the case of a deposit, the change button is, for example, a button for changing from using a cash advance service of a first service to using a cash advance service of a second service to using a cash advance service of a second service, or from using a cash advance service of a second service to using a cash advance service of a first service to using a cash advance service of a second service.

[0219] [Sequence diagram] The payment server 100 acquires the service card identification information from the ATM 400 where the user has read the information on the service card. The payment server 100 refers to the setting information in which the service card identification information stored in the storage unit 170 is associated with information indicating the use of the first service or information indicating the use of the second service, and executes a process to provide the service according to the setting information.

[0220] 26 is a sequence diagram showing an example of the flow of processing executed by the ATM 400 and the payment server 100. When a user inserts a service card into the ATM 400, the ATM 400 reads the information on the service card and displays an interface screen for the service of the service card on the display unit (S600). Next, when the user operates the first button for withdrawal, the ATM 400 provides instruction information to the payment server 100 instructing the withdrawal in accordance with the operation (S402). The instruction information includes information such as the service card number, for example.

[0221] After processing S602, the settlement server 100 may determine whether the service card is a service card capable of executing cash withdrawal processing. For example, if the service card is a service card for which cash advance service cannot be used (a service card for which no application has been made or which has no credit limit) or if the service card is a service card for which predetermined information such as provided information is not managed in the setting information, the settlement server 100 notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on the display unit that withdrawal is not possible.

[0222] The payment server 100 may check the validity of the service card based on the instruction information. For example, it derives a score indicating the possibility of fraud based on the service card number, expiration date, issuer, location of the ATM 400, etc., and if the score is equal to or greater than a threshold, it notifies the ATM 400 of information indicating that withdrawal is not possible. In this case, the ATM 400 displays on a display unit that withdrawal is not possible.

[0223] When the payment server 100 receives the instruction information of S602, it checks the cash withdrawal processing mode by referring to the setting information (S604). If it is the second service mode, the payment server 100 requests the second financial server to provide a cash advance service (S606, S608). The second financial server receives information such as the service card number and the withdrawal amount from the payment server 100, determines whether to withdraw money using the cash advance service, and sends the result of the determination to the payment server 100 (S610).

[0224] If the mode is the first service, the payment server 100 requests the first financial server to provide a cash advance service (S606, S612). The first financial server acquires information such as the service card number and the withdrawal amount from the payment server 100, determines whether to withdraw money using the cash advance service, and transmits the result of the determination to the payment server 100 (S614). In the first financial server or the second financial server, the service card number (or identification information based on the service card number) is associated with the user's cash advance service credit limit, and a determination is made based on the withdrawal amount requested by the user and the credit limit.

[0225] If withdrawal is possible, the settlement server 100 requests the ATM 400 to withdraw the money (S616). If withdrawal is not possible or if the user is unable to use the cash advance service, the settlement server 100 notifies the ATM 400 that withdrawal is not possible. This notification may be provided to the user terminal device 10.

[0226] When the processing is completed, the payment server 100 provides a completion notification to the user terminal device 10 (S618). For example, the interface screen IF5 of Fig. 11 described above is displayed on the display unit, and the user can check the service that he or she has used. After causing the device of the service provider to execute processing to provide the service according to the setting information, information indicating that the processing has been completed is notified to the user terminal device 10.

[0227] During the process, information related to the process may be notified to the user terminal device 10. In the above process, after the service card is inserted into the ATM 400, the payment server 100 may notify the user terminal device 10 of information on the set mode, information indicating that the service card has been inserted into the ATM 400, information indicating that a withdrawal operation (first button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0228] Change processing may also be performed in cash withdrawal processing. For example, after a withdrawal has been made for a cash advance service of a first service, the payment server 100 may cancel this withdrawal in response to a user operation and change it to a withdrawal for a cash advance service of a second service. For example, after a withdrawal has been made for a cash advance service of a second service, the payment server 100 may cancel this withdrawal in response to a user operation and change it to a withdrawal for a cash advance service of the first service. In this way, even if a user has performed an unintended process, the process can be corrected to the intended process by making a change.

[0229] As described above, by having the ATM 400 read the service card number, the user can receive the service in the mode set by the user, thereby improving user convenience. Note that in the above processing, part or all of the processing performed by the payment server 100 may be performed by another server. For example, part or all of the processing may be performed by the first financial server or the second financial server.

[0230] [Cash deposit processing] In the above example, the process of dispensing cash from the ATM 400 has been described, but in addition to (or instead of) this, a process of depositing cash into the ATM 400 may be performed. The deposit process is performed as described in each of the above embodiments.

[0231] For example, when a user inserts a service card into ATM 400, ATM 400 reads the information on the service card, and when the user performs a deposit operation, provides instruction information to the payment server 100 instructing the user to deposit money in accordance with the operation. Payment server 100 determines the mode and transfers the cash deposited into ATM 400 to a financial server corresponding to the mode. As a result, the first financial server or the second financial server executes the ATM repayment.

[0232] In the above process, after the service card is inserted into the ATM 400, the payment server 100 may notify the user terminal device 10 of information on the set mode, information indicating that the service card has been inserted into the ATM 400, information indicating that a deposit operation (third button) has been performed, etc. This allows the user to easily recognize the service they are about to use.

[0233] Changes may also be made to cash deposit processing. For example, as described above, the deposit may be changed to a different cash advance service from the one to which the deposit was made. In this way, even if the user performs an unintended process, the change can be made to correct the process to the intended one.

[0234] As described above, by having the ATM 400 read the service card number, the user can receive the service in the mode set by the user, thereby improving convenience for the user.

[0235] [About sorting according to cards] The sorting server (sorting unit) acquires the card identification information, references correspondence information in which the card identification information (or identification information for identifying the card identification information) is associated with information on servers providing services, and provides the card identification information to the server corresponding to the card identification information. The sorting server may sort information about the card to each server depending on the type of card inserted into the ATM 400. FIG. 27 is a flowchart showing one routine of an example of a process executed by the ATM 400, the sorting server, and other server devices (e.g., the credit card server 200, the bank server 300, and the payment server 100). In this process, when a user inserts various cards such as a credit card, a cash card, or a service card, the card identification information is sent to a server corresponding to the card, and the process is executed. The function of the sorting server may be integrated into the ATM 400, another server, or the like.

[0236] First, when a user inserts a card into the ATM 400, the ATM 400 reads the card information and displays the card service interface screen on the display unit (S700). Next, when the user operates the first button for withdrawal, the ATM 400 provides instruction information instructing withdrawal in response to the operation to the payment server 100 (S702). The instruction information includes information such as the card number and expiration date, for example.

[0237] After the process of S702, the sorting server refers to the correspondence information for determining the card type stored in the storage unit and determines the sorting destination, which is a server corresponding to the card type (S704). The correspondence information is information in which the card number is associated with the card type (or sorting destination). For example, the correspondence information may specify the relationship between the digits in a predetermined position of the card number and the card type, or may specify the relationship between the number of digits in the card number and the card type corresponding to the digits in a predetermined position.

[0238] Next, the sorting server transmits the card number and information regarding the operation of the ATM 400 to the server device to which the transaction is to be sorted determined above (S706). For example, when a credit card is inserted into the ATM 400, the sorting server transmits the credit card number, etc. to the credit card server 200. As a result, as described above, the credit card server 200 provides a service according to the mode set by the user. For example, when a cash card is inserted into the ATM 400, the sorting server transmits the cash card number, etc. to the bank server 300. As a result, as described above, the bank server 300 provides a service according to the mode set by the user. When a service card is inserted, the service card number is provided to the payment server 100 and processing is performed as described above. Detailed explanations of the processing of each server will be omitted.

[0239] As described above, a user can receive services that are specific to the card and that the user has set by inserting the card into ATM 400. This improves user convenience.

[0240] According to the second embodiment described above, the server refers to setting information in which the card identification information stored in the memory unit is associated with information indicating the use of the first service or information indicating the use of the second service, and executes processing to provide a service according to the setting information, thereby improving convenience for users.

[0241] 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]

[0242] 10 User terminal device 20. Payment App 30 Mini Apps 50 First store terminal device 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 200 Credit Server 220 Acquisition Department 230 Processing section 240 Display control unit 250 Cashing Department 300 Bank Server 400 ATM

Claims

1. An acquisition unit that, when a user performs an operation to withdraw money from a terminal device having an automated teller function, acquires information indicating an instruction to withdraw money and card identification information for identifying the user's cash card from the terminal device having an automated teller function that the user has used to read information from the cash card; Identifying a service associated with the acquired card identification information by referring to setting information stored in a storage unit, which associates the card identification information, bank account identification information, and information indicating that a first service for withdrawing money from the user's bank account or a second service for withdrawing money through a cash advance service is to be used; If the setting information is associated with information indicating that a first service will be used, an instruction is given to the terminal device to withdraw cash from the bank account of the bank account identification information associated with the card identification information in the setting information, to the terminal device; a processing unit that, when information indicating that a second service will be used is associated in the setting information, issues an instruction to the terminal device to withdraw cash using a credit limit of the cash advance service corresponding to the card identification information; and An information processing device comprising:

2. When a user performs an operation to deposit money into a terminal device having an automated teller function, an acquisition unit acquires information indicating an instruction to deposit money and card identification information for identifying the user's cash card from the terminal device having an automated teller function from which the user has read information on the cash card, The processing unit Identifying a service associated with the acquired card identification information by referring to setting information stored in a storage unit, which associates the card identification information, the bank account identification information, and information indicating that a first service for depositing money into the user's bank account or a second service for depositing money to repay a cash advance service is to be used; When information indicating that a first service will be used is associated in the setting information, remit cash inserted into the terminal device having an automated teller function to a bank account identified by the bank account identification information associated with the card identification information in the setting information; If the setting information is associated with information indicating the use of a second service, cash inserted into the terminal device having an automated teller function is transferred to a predetermined bank account as repayment for the use of the cash advance service corresponding to the card identification information. The information processing device according to claim 1 .

3. An acquisition unit that, when a user performs an operation to withdraw money from a terminal device having an automated teller function, acquires information indicating the withdrawal instruction and card identification information for identifying the prepaid card of the user from the terminal device having an automated teller function that has read the information of the prepaid card of the user; Identifying a service associated with the acquired card identification information by referring to setting information in which the card identification information stored in a storage unit is associated with information indicating the use of a first service for withdrawing money from an account of the prepaid card or information indicating the use of a second service for withdrawing money by a cash advance service; when information indicating that a first service is to be used is associated in the setting information, an instruction is given to the terminal device to withdraw cash from an account of the prepaid card associated with the card identification information to the terminal device; a processing unit that, when information indicating that a second service will be used is associated in the setting information, issues an instruction to the terminal device to withdraw cash using a credit limit of a cash advance service associated with the card identification information; and An information processing device comprising:

4. When a user performs an operation to deposit money into a terminal device having an automated teller function, the acquisition unit acquires information indicating the deposit instruction and card identification information for identifying the user's prepaid card from the terminal device having an automated teller function that the user has used to read information on the prepaid card, The processing unit Identifying a service associated with the acquired card identification information by referring to setting information in which the card identification information stored in a storage unit is associated with information indicating the use of a first service for depositing money into an account of the prepaid card or information indicating the use of a second service for depositing money as repayment for a cash advance service; When information indicating that a first service will be used is associated in the setting information, cash inserted into the terminal device having an automated teller function is transferred to an account of the prepaid card associated with the card identification information; If the setting information is associated with information indicating the use of a second service, the cash inserted into the terminal device having an automated teller function is transferred to a predetermined bank account as repayment for the use of the cash advance service associated with the card identification information. The information processing device according to claim 3 .

5. the processing unit associates information indicating that a first service or a second service is to be used in the setting information with the card identification information in accordance with information transmitted by the user operating the user terminal device; The information processing device according to claim 1 .

6. a display control unit that displays, on a display unit of the user terminal device of the user, a button for setting use of the first service using a terminal device having an automated teller function or a button for setting use of the second service; The information processing device according to claim 1 .

7. The processing unit After causing a service provider device to execute a process to provide the service according to the setting information, notify the user terminal device of the user of information indicating that the process has been completed, or notify the user terminal device of the user of information regarding the process during the process. The information processing device according to claim 1 .

8. The processing unit after executing a process for causing a service provider device to provide the service according to the setting information, if instruction information instructing a change to a service different from the executed service is acquired from the user terminal device of the user, the executed service is canceled and changed to the different service; The information processing device according to claim 1 .

9. a distribution unit that acquires the card identification information, refers to correspondence information in which the card identification information is associated with information on a server that provides a service, and provides the card identification information to a server that corresponds to the card identification information; The information processing device according to claim 1 .

10. The computer When a user performs an operation to withdraw money on a terminal device having an automated teller function, information indicating the withdrawal instruction and card identification information for identifying the cash card of the user are obtained from the terminal device having an automated teller function from which the user has read information on the cash card, Identifying a service associated with the acquired card identification information by referring to setting information stored in a storage unit, which associates the card identification information, bank account identification information, and information indicating that a first service for withdrawing money from the user's bank account or a second service for withdrawing money through a cash advance service is to be used; If the setting information is associated with information indicating that a first service will be used, an instruction is given to the terminal device to withdraw cash from the bank account of the bank account identification information associated with the card identification information in the setting information, to the terminal device; If the setting information is associated with information indicating that a second service will be used, an instruction is given to the terminal device to withdraw cash using the credit limit of the cash advance service corresponding to the card identification information. Information processing methods.

11. On the computer, When a user performs an operation to withdraw money on a terminal device having an automated teller function, information indicating the withdrawal instruction and card identification information for identifying the cash card of the user are obtained from the terminal device having an automated teller function from which the user has read information on the cash card, a setting information storing the card identification information, the bank account identification information, and information indicating that a first service for withdrawing money from the user's bank account or a second service for withdrawing money by a cash advance service is to be used is referenced, and the setting information is associated with the card identification information stored in the storage unit, and the service associated with the acquired card identification information is identified; when information indicating that a first service will be used is associated in the setting information, instructing the terminal device to withdraw cash from the bank account of the bank account identification information associated with the card identification information in the setting information; When the setting information is associated with information indicating the use of a second service, an instruction is given to the terminal device to withdraw cash using the credit limit of the cash advance service corresponding to the card identification information. program.

12. The computer When a user performs an operation to withdraw money on a terminal device having an automated teller function, information indicating the withdrawal instruction and card identification information for identifying the prepaid card of the user are obtained from the terminal device having an automated teller function from which the user has read information on the prepaid card, Identifying a service associated with the acquired card identification information by referring to setting information in which the card identification information stored in a storage unit is associated with information indicating the use of a first service for withdrawing money from an account of the prepaid card or information indicating the use of a second service for withdrawing money by a cash advance service; when information indicating that a first service is to be used is associated in the setting information, an instruction is given to the terminal device to withdraw cash from the account of the prepaid card associated with the card identification information to the terminal device; If the setting information is associated with information indicating that a second service will be used, an instruction is given to the terminal device to withdraw cash using the credit limit of the cash advance service associated with the card identification information. Information processing methods.

13. On the computer, When a user performs an operation to withdraw money on a terminal device having an automated teller function, information indicating the withdrawal instruction and card identification information for identifying the prepaid card of the user are obtained from the terminal device having an automated teller function from which the user has read information on the prepaid card, a setting information storing the card identification information and correlating the card identification information with information indicating that a first service for withdrawing money from an account of the prepaid card or information indicating that a second service for withdrawing money by a cash advance service is to be used; and a service associated with the acquired card identification information is identified by referring to the setting information storing the card identification information and correlating the card identification information with information indicating that a first service for withdrawing money from an account of the prepaid card or information indicating that a second service for withdrawing money by a cash advance service is to be used. when information indicating that a first service is to be used is associated in the setting information, causing the terminal device to issue an instruction to withdraw cash from the account of the prepaid card associated with the card identification information to the terminal device; When the setting information is associated with information indicating the use of a second service, an instruction is given to the terminal device to withdraw cash using the credit limit of the cash advance service associated with the card identification information. program.

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