Credit settlement management device, service collaboration method, and program

Abstract

To improve convenience for family members from the time of applying for a family card. [Solution] A credit payment management device that includes an acquisition unit that acquires account information to recognize the account of a family member in an linked service that links with a service using a credit card including the family card when accepting input from a parent member to apply for the issuance of a family card to be used by the family member, and a request unit that sends a notification to the management device of the linked service to request the family member whose account is recognized by the account information to begin providing the linked service linked with the family card.

Description

[Technical Field]

[0001] The present invention relates to a credit transaction management device, a service linkage method, and a program. [Background technology]

[0002] Previously, an invention for a device has been disclosed that, when accepting a credit card application, obtains the account information of the same user for an electronic payment service and provides an interface screen for linking the electronic payment service with a credit card (Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7570451 Summary of the Invention [Problem to be solved by the invention]

[0004] The conventional technology applies when the credit card applicant and the electronic payment service user are the same person, but does not apply when applying for a family card. As a result, the conventional technology does not improve convenience for family members from the time of applying for a family card.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a credit payment management device, a service linkage method, and a program that can improve convenience for family members from the time they apply for a family card. [Means for solving the problem]

[0006] One aspect of the present invention is a credit payment management device that includes an acquisition unit that acquires account information for recognizing the account of a family member in an linked service that is linked to a service using a credit card including the family card when accepting input from a parent member to apply for the issuance of a family card to be used by the family member, and a request unit that sends a notification to a management device of the linked service to request the family member whose account is recognized by the account information to begin providing the linked service linked to the family card. [Effects of the Invention]

[0007] According to one aspect of the present invention, convenience for family members can be improved from the time of applying for a family card. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates basic aspects of brick-and-mortar electronic payment. [Figure 2] FIG. 1 is a diagram illustrating an example of a configuration for performing electronic payment (terminal payment) using a payment application. [Figure 3] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 4] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 174. [Figure 5] FIG. 10 is a diagram showing an outline of a processing flow when a user scan is performed. [Figure 6] FIG. 10 is a diagram showing an outline of the processing flow when a store scan is performed. [Figure 7] FIG. 1 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. [Figure 8] 10 is a flowchart showing an example of a processing flow when applying for a family card. DETAILED DESCRIPTION OF THE INVENTION

[0009] [overview] Hereinafter, with reference to the drawings, embodiments of a credit card payment management device, a service collaboration method, and a program according to the present invention will be described. First, an electronic payment service will be described as a background. A payment app, a payment server, and a credit card server cooperate to provide an electronic payment service. The credit card server is an example of a credit card payment management device, and the payment server is an example of a payment management device. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity other than the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to an 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 electronic payments when purchasing at a store are primarily made between the user and the affiliated store. Alternatively, electronic payments may be made between the user and the store.

[0010] [Electronic payment methods at brick-and-mortar stores] FIG. 1 illustrates the basic aspects of brick-and-mortar electronic payments. Electronic payments are generally carried out by three parties: a medium M held by a user U, store equipment E, and a payment system S. The medium M may be a portable computer device such as a smartphone or a credit card. The store equipment E resides in a physical brick-and-mortar store (hereinafter simply referred to as the store) in real space and may include a POS device, a wireless communication device, a credit card reader, a printed code image such as a QR Code (registered trademark), or a display device displaying the code image. In brick-and-mortar electronic payments, information that can identify the user and information about the payment amount are first shared unidirectionally or bidirectionally between the medium M and the store equipment E. At this time, either the medium M or the store equipment E optically reads various information from a code image displayed by the other, provides information via near-field communication (NFC), or reads the PAN (primary account number) using a credit card reader. Then, either the medium M or the store equipment E (the party that obtains information from the other) transmits the payment information required for the payment to the payment system S via a network NW. Both the medium M and the store equipment E may send some information to the payment system S. The payment system S manages various information about the user U and performs electronic payments between the store and the user U in various ways. Electronic payments are performed using either or both of a prepaid system and a postpaid system, or by other methods. In addition, electronic payments may also include so-called online shopping, which is performed between the user's terminal device and the payment system. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. The various devices that communicate via the network NW, which will be described below, are assumed to have communication devices such as network cards and wireless communication modules.

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

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

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

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

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

[0016] The payment server 100 communicates with the credit card server 200 via a network NW. The payment server 100 has, for example, a content provider 110, an information management unit 120, a payment processing unit 130, and a storage unit 170. The components other than 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 implemented using a large scale integration (LSI), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like. The program may be realized by hardware (including circuitry) such as a Gate Array (GPU) or a Graphics Processing Unit (GPU), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0017] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172 and affiliated store / shop information 174.

[0018] The content providing unit 110 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 110 provides the content to the user terminal device 10 in the form of a web page, and provides the user terminal device 10 with parameters required for the payment application 20 to render an image.

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

[0020] 3 is a diagram showing an example of the contents of user information 172. User information 172 is information in which, for example, user URL, account ID, phone number, password, registration date, charge balance, electronic money type, terminal payment method, credit card information, various history information, identity verification flag, name, address, date of birth, email address, bank account, deferred payment settings, deferred payment condition information, and other information are associated with each other. Hereinafter, a user instance (electronic payment account) in which this information is associated may be referred to as an account. In the figure, items marked with "-" indicate that they are not set.

[0021] The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100. The registration date is the date the user registered for the electronic payment service (the date the account was created). The charge balance is information indicating the balance of electronic money set by the user by transferring money to the account in advance. Remittance methods include depositing money into an ATM (Automatic Teller Machine) of a designated service provider (bank) or transferring money from a registered bank account. The type of electronic money is information indicating, for example, whether the electronic money can be withdrawn or can only be used for electronic payments. The terminal payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in terminal payment. Credit card information is information such as the credit card number that serves as the fund source (payment source) in the case of "deferred payment" described below. The various historical information includes charge history, which is a record of the user transferring money to the electronic payment service in advance to increase the charge balance, and payment history, which shows the details of the payments made by the user for each payment (date and time, store ID of the store where the purchase was made, affiliated store ID, payment amount, payment method, etc.).

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

[0023] 4 is a diagram showing an example of the contents of affiliated store / store information 174. The affiliated store / store information 174 includes, for example, a first table 174A in which an affiliated store ID and a store ID are associated with a store URL, a second table 174B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 174C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 174 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0024] The payment processing unit 130 performs various processes for electronic payment. There are two methods for terminal payment: a first method (user scan) and a second method (store scan), which will be explained below.

[0025] FIG. 5 shows an overview of the process flow when a user scan is performed. First, the user terminal device 10, with the payment application 20 running, reads and decodes the store code image 40 using its optical reading function (S1). The store code image 40 contains store URL information. The payment application 20 sends first payment information, including the store URL and the user's account ID, to the payment server 100 (S2). The payment server 100 searches the affiliated store / store information 174 using the affiliated store ID and store ID corresponding to the store URL, acquires information about the affiliated store name and store name (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the payment application 20 on the screen displaying the affiliated store name and store name (S5). The payment application 20 then generates second payment information including at least the payment amount and sends it to the payment server 100 (S6).

[0026] If the "Terminal Payment Method" in the user information 172 of the user is set to "Balance Payment," the payment processing unit 130 of the payment server 100 performs electronic payment based on the received second payment information (S7-1). At this time, the payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not used as electronic money itself, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle determined by an agreement between the affiliated store and the electronic payment service. On the other hand, if the "Terminal Payment Method" is set to "Deferred Payment," the payment processing unit 130 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S7-2). The credit card server 200 performs electronic payment by adding the payment amount to the user's monthly usage amount based on the received information and deducting the monthly usage amount from the user's bank account after the closing date (S7-3).

[0027] Then, the payment processing unit 130 sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 via the content providing unit 110 (S8), and the payment app 20 displays the payment completion screen (S9). When the store code image 40 is displayed on a display installed in the store, the store code image 40 may include information on the payment amount in addition to the store URL. In this case, the procedure for the user to input the payment amount is omitted, and the information on the payment amount is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0028] FIG. 6 is a diagram showing an overview of the processing flow when a store scan is performed. First, when the payment app 20 is launched, when a payment operation is performed using the payment app 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment processing unit 130 of the payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the store payment terminal 30, and the store payment terminal 30 reads and decodes the code image using its optical reading function to obtain the one-time code, etc. (S15). The store payment terminal 30 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it.

[0029] The payment processing unit 130 of the payment server 100 identifies the user corresponding to the one-time code based on the received information, and if the "terminal payment method" in the user information 172 of the user is set to "balance payment," it performs electronic payment based on the received second payment information (S17-1). The processing content at this time is the same as the processing of S7-1 in FIG. 5. On the other hand, if the "terminal payment method" is set to "post-payment," the payment server 100 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S17-2). The credit card server 200 adds the payment amount to the user's monthly usage amount based on the received information, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date (S17-3).

[0030] Then, the payment processing unit 130 transmits a payment completion notification to the payment application 20 via the content providing unit 110 (S18), and the payment application 20 displays a payment completion screen (S19).

[0031] 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.

[0032] It should be noted that the "post-payment" settlement may be performed within the settlement server 100, rather than being managed by the credit card server 200. In this case, the components such as the settlement card 60 and the credit card server 200 may be omitted.

[0033] [Configuration (Card Payment)] Figure 7 shows an example of a configuration for making an electronic payment (card payment) using a payment card. This electronic payment is carried out mainly using a payment card 60, which is one of the media M, a credit card processing terminal 70, which is one of the store facilities E, a payment server 100, and a credit card server 200, which constitute part of a payment system S. The credit card server 200 communicates with the credit card processing terminal 70 via a network NW. The payment card 60 is a physical card that functions as a credit card.

[0034] The credit processing terminal 70 is installed in the store, similar to the in-store payment terminal 30. The credit processing terminal 70 includes, for example, a credit card reader and a POS device. The credit card terminal reads a personal identification number (PIN) from an inserted or held-up credit card and compares it with the PIN entered by the user. It also transmits a primary account number (PAN) read from the credit card to the credit card server 200 via the POS device. The POS device cooperates with the credit card terminal to transmit information such as the payment amount to the credit card server 200. A payment agent (acquirer) server may be interposed between the credit card processing terminal 70 and the credit card server 200; however, for simplicity, the following description omits the server. The payment card 60 is, for example, similar to a commonly used credit card, with a communication chip embedded in the card substrate. The communication chip incorporates a storage medium storing the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the payment card 60 may be a magnetic card. The information (messages) sent and received when using a credit card include an authorization message for authentication and a sales message for conveying the payment amount, but detailed explanations distinguishing between these will be omitted below.

[0035] The credit card server 200 communicates with the payment server 100 via a network NW. The credit card server 200 includes, for example, an information management unit 210, a credit interface 220, a payment allocation unit 230, a credit payment processing unit 240, an acquisition unit 250, an authentication unit 252, a request unit 254, and a memory unit 270. The components other than the memory unit 270 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The memory unit 270 stores information such as card user information 272.

[0036] The information management unit 210 edits, adds, deletes, etc., and manages the card user information 272. The card user information 272 is information in which, for example, information unique to a user (e.g., PAN), a card payment method, and the user's account ID (used by the payment server 100) are associated with one another. The card payment method is setting information that indicates whether the user will make electronic payment using the charged balance (balance payment) or deferred payment when making a card payment.

[0037] The credit interface 220 determines whether the BIN (Bank Identification Number) in the PAN included in the message received from the credit processing terminal 70 is a code for the company, and if it is a code for the company, passes the message received from the credit processing terminal 70 to the payment allocation unit 230, and if it is not a code for the company, discards the received message.

[0038] The payment allocating unit 230 refers to the card user information 272 of the user corresponding to the message obtained from the credit interface 220, and determines whether the "card payment method" is set to "post-payment." If the "card payment method" is set to "post-payment," the payment allocating unit 230 notifies the credit interface 220 of this and passes the message obtained from the credit interface 220 to the credit payment processing unit 240. On the other hand, if the "card payment method" is set to "balance payment," the payment allocating unit 230 adds the user's account ID to the message obtained from the credit interface 220 and sends it to the payment server 100, requesting electronic payment. When requested to make electronic payment, the payment server 100 performs the same processes as S7-1 in Figure 5 and S17-1 in Figure 6.

[0039] The credit interface 220 checks the PAN and expiration date, and verifies whether the cumulative payment amount exceeds the current month's upper limit, etc. The credit payment processing unit 240 adds the payment amount to the user's monthly usage amount based on the information contained in the message obtained from the payment allocation unit 230, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date.

[0040] [Processing when applying for a family card] The following explains the process for applying for a family card. A family card is issued to a family member with the consent of the parent card holder, and is a system in which payments made by the family member using the family card are billed to the parent card holder.

[0041] If a family member who holds a family card has an account for an electronic payment service, they can select the "deferred payment" option for the "terminal payment" mentioned above. When a family member uses the payment app 20 to make an electronic payment with the "deferred payment" option for the "terminal payment" using the family card as the fund source, the billing process is carried out to the parent member in the same way as if the family card had been used as a physical card, which is very convenient.

[0042] However, in the past, after the family card was delivered to the family member by mail, it was necessary to manually link the family card to the electronic payment service account. As a result, in many cases the family card was used only as a physical card without linking, which limited convenience for users (family members) and sometimes hindered the expansion of business opportunities for operators of electronic payment services and credit card services, as well as affiliated stores and shops.

[0043] Specifically, after the family card arrives, the family member must first activate the family card, then operate the payment app 20 using their own user terminal device 10 and manually enter information such as the family card's card number, expiration date, security code, and inquiry number to register it as a payment method. This process is not only cumbersome, but also reduces convenience in terms of time, as electronic payments cannot be made with "post-payment" during the period from when the family card is applied for to when it arrives. Furthermore, the increased manual entry increases the risk of information leaks due to snooping.

[0044] In contrast, in this invention, by starting the link between the two parties from the time an application for issuance of a family card is received, it becomes possible to start a service (an example of a "linked service linked with a family card") in which the parent member is billed for "post-payment" in "terminal settlement" using the family card as the fund source, thereby improving user convenience. Other examples of linked services linked with a family card include registering a family card as a payment method for online shopping services or auction / flea market services that require user authentication, and then processing the payment.

[0045] When receiving input from the parent member to apply for issuance of a family card, the acquisition unit 250 acquires account information for recognizing the family member's account in a linked service (electronic payment service) that is linked to a service using a credit card including the family card. For example, the acquisition unit 250 acquires the phone number of the family member managed by the payment server 100 as the account information.

[0046] The authentication unit 252 performs authentication processing to infer the family relationship between the primary member and the family members. For example, the authentication unit 252 performs authentication processing using both a first terminal device, which is the user terminal device 10 used by the primary member, and a second terminal device, which is the user terminal device 10 used by the family members. A specific example will be described later.

[0047] When the authentication unit 252 infers a family relationship between a parent member and a family member, the request unit 254 sends a notification to the linked service management device (payment server 100) to request the family member whose account is recognized by the account information to start providing the linked service linked to the family card.

[0048] 8 is a flowchart showing an example of the processing flow when applying for a family card. First, the primary member operates the first terminal device to launch payment app 20, and then operates payment app 20 to launch the credit card mini app (S100). The credit card mini app is an interface that enables a website provided by credit card server 200 to be displayed via payment app 20. Alternatively, the primary member may access a website provided independently by credit card server 200.

[0049] The primary member operates the first terminal device, selects the "Apply for Family Card" function, and applies for issuance of a family member (S102). If the family member has an account for an electronic payment service within the mini app, the acquisition unit 250 of the credit card server 200 requests input of the family member's phone number (S104). For example, the acquisition unit 250 displays in the mini app a family card application information input screen that includes an input field for the "family member's mobile phone number" in addition to the family member's name, relationship, etc. At this time, a message such as "Does the family member have an account for XX electronic payment? If so, please enter the family member's phone number" may be displayed. Furthermore, the credit card server 200 may make an account inquiry to the payment server 100 to determine whether the family member has an account for the electronic payment service.

[0050] In response, the primary member inputs the family member's telephone number (i.e., the telephone number of the second terminal device) into the first terminal device (S106). For example, the primary member follows the instructions on the application information input screen to input the family member's information and mobile phone number, and taps the "Apply" button. This causes the family member's telephone number to be sent to the credit card server 200.

[0051] The authentication unit 252 of the credit card server 200 performs authentication processing as exemplified below. First, the authentication unit 252 transmits a randomly generated authentication code to the first terminal device (S108). The authentication code is generated as, for example, a four-digit number. The first terminal device displays the received authentication code (S110). The authentication code may be displayed within the mini app, may be displayed as a push notification corresponding to the mini app, or may be sent in a short message addressed to the primary member's phone number obtained in cooperation with the payment server 100. At this time, the primary member may also be requested to input the authentication code.

[0052] Meanwhile, the authentication unit 252 sends a short message with a link (e.g., a URL) to the input site (an interface associated with the short message) to the telephone number acquired in S106 (i.e., to the second terminal device) (S112). The family member taps the link to access the input site. The input site displays a message such as "The primary member (real name) has applied for a family card. If you approve the registration, please enter the authentication code provided by the primary member" along with an input field. The primary member verbally orally communicates the authentication code displayed in S110 to the family member, who then enters it into the input site on the second terminal device (S114). The authentication code entered into the input site is sent to the credit card server 200.

[0053] The authentication unit 252 of the credit card server 200 determines whether a condition is met (whether authentication is successful or not), such as whether the authentication code sent in S108 matches the authentication code entered in S114 (S116). Conditions other than whether the authentication codes match may include whether various settings on the second terminal device meet certain conditions, or a match between the authentication codes may be the only condition for successful authentication. If authentication is successful (if the authentication unit 252 infers a family relationship between the primary member and the family member), the information management unit 210 generates identification information (card number, expiration date, etc.) for the family card to be issued (shipped) (S118). The family card as a physical card is delivered to the family member separately by mail, etc. Then, the request unit 254 sends a notification to the payment server 100, for example, via an API, to request the start of provision of an integrated service linked to the family card to the family member whose account is identified by the phone number (S120). In response to this, the information management unit 120 of the payment server 100 registers the identification information of the family card in the "credit card information" in the user information 172 of the family member identified by the phone number, and enables the family member to select "post-payment" for "terminal payment" (S122). The content providing unit 110 of the payment server 100 sends a registration completion notification to the second terminal device, for example, as a push notification corresponding to the payment app 20 (S124). The second terminal device displays the registration completion notification (S126). The registration completion notification may include a message such as "The family card has been registered as a payment method. It can be used immediately."

[0054] Unless there is a power outage or system trouble, the processing of S118 to S126 is performed before the physical family card arrives in the hands of the family member. This allows the family member to use the "deferred payment" of "terminal payment" using the family card as the fund source without waiting for the physical family card to arrive. It also reduces the cumbersome process of registering various information after the family card arrives, which was previously required. This improves convenience for family members from the time they apply for a family card.

[0055] In the processes of S102 to S104 in FIG. 8, when a family member does not hold an account for the electronic payment service, the payment server 100 returns a notice to that effect to the credit card server 200 (no such account). In this case, the credit server 200 notifies the parent member that there is no account for the corresponding family member's electronic payment service. At this time, the credit card server 200 may send a short message to the family member's phone number to provide guidance on new registration (joining) for the electronic payment service. Further in that case, a notice to the effect that "if an account for the electronic payment service is opened within a certain period from the guidance, the family card can be selected as a fund source without separate procedures" is included in the guidance to the family member, and based on the information obtained at the time of issuing the family card, after the account for the electronic payment service is opened, information linkage may be performed so that the family card is automatically used as a fund source for the electronic payment service.

[0056] The authentication process can be arbitrarily modified as long as it is an electronic authentication process that infers the family relationship between the primary member and the family members. For example, the authentication unit 252 may cause the payment app 20 on the primary member's first terminal device to read a QR code displayed on the payment app 20 on the secondary terminal device of the family member, and determine that authentication is successful if the read result sent from the payment app 20 on the secondary terminal device is correct. Alternatively, the authentication unit 252 may perform the authentication process by sending a URL displaying an input form to the primary terminal device (or displaying an authentication code input screen on a mini app), sending the authentication code to the secondary terminal device, and having the primary member input the authentication code, which the family member verbally orally taught to him or her, into the primary terminal device. Alternatively, the authentication unit 252 may request the payment server 100 to perform a substantial part of the authentication process. For example, the authentication unit 252 may send the parent member's identification information (telephone number, credit number, or electronic payment service account ID or user ID) and the family member's telephone number or user ID (obtained from the parent member) to the payment server 100, and the payment server 100 may push an authentication code to the parent member's payment app 20, send a link to an input screen to the family member's payment app 20, and send the results of the authentication performed by the payment server 100 to the credit card server 200.

[0057] Furthermore, the authentication process may be performed by referring to registration information in other services (SNS, shopping, etc.) that are linked to the electronic payment service or credit card service, or may be performed based on user-to-user communications, chats, remittance history, etc. in the electronic payment service. In this case, the authentication process may be performed by calculating scores set for multiple confirmation items.

[0058] By registering a family card, the credit card server 200 or the payment server 100 may be able to set the destination of family card usage notifications, for example, via push notifications associated with the payment app 20, to the family member and the parent member. This allows the parent member to understand the usage status of family members in real time. It may also be possible to issue family cards for multiple family members with a single application procedure. This further improves convenience.

[0059] According to the embodiment described above, it is possible to improve convenience for family members from the time of applying for a family card, as mentioned above. Furthermore, by performing authentication processing by both the parent member and the family member, it is possible to prevent fraudulent registration such as impersonation and reduce the risk of information leakage associated with manual input, thereby realizing a more secure registration process than before.

[0060] 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]

[0061] U User E. Store Facilities M medium S Payment System Confirmation 10 User terminal device 20. Payment App 30 Store payment terminals 40 Store code image 60 Payment Cards 70 Credit card processing terminal 100 Payment Server 130 Payment processing unit 200 Credit Card Server 250 Acquisition Department 252 Authentication Department 254 Request Department

Claims

1. An acquisition unit that, when receiving input information from a parent member to apply for the issuance of a family card to be used by a family member from a user's terminal device via a network, is an integrated service that integrates with a service using a credit card including the family card, wherein the integrated service is provided by an entity different from the credit card service, transmits information to the terminal device requesting account information for recognizing the family member's account in the integrated service, and acquires the account information from the terminal device; a request unit that sends a notification to the management device of the linked service together with the account information to request the family member whose account is recognized by the account information to start providing the linked service linked with the family card; A credit card payment management device comprising:

2. The linked service is an electronic payment service in which a payment app running on the terminal device and a payment management device, which is a management device for the linked service, work together to perform billing processing for electronic payments made using the payment app to the primary member, who is the billing recipient of the family card.

2. The credit card transaction management device according to claim 1.

3. An authentication unit that performs authentication processing to infer a family relationship between the parent member and the family member, the request unit transmits a notification to the management device of the linked service to request the start of provision of the linked service when the authentication unit infers a family relationship between the primary member and the family member; 2. The credit card transaction management device according to claim 1.

4. the authentication unit performs authentication processing using both a first terminal device used by the primary member and a second terminal device used by the family member.

4. The credit card transaction management device according to claim 3.

5. An acquisition unit that, when accepting input from a parent member to apply for the issuance of a family card to be used by a family member, acquires account information for recognizing the account of the family member in a linked service that links with a service using a credit card including the family card; a request unit that transmits a notification to the management device for the linked service to request the family member whose account is recognized by the account information to start providing the linked service linked with the family card; an authentication unit that performs authentication processing to infer a family relationship between the primary member and the family member; the request unit transmits a notification to the management device of the linked service to request the start of provision of the linked service when the authentication unit infers a family relationship between the primary member and the family member; The account information is the telephone number of the family member, the authentication unit performs the authentication process by requesting the second terminal device used by the family member to input the authentication code issued to the first terminal device used by the parent member into an interface associated with a short message sent to the second terminal device using the phone number as a destination. Payment management device.

6. The processor: When input information of a parent member for applying for the issuance of a family card to be used by a family member is received from a terminal device of a user via a network, a process of transmitting information to the terminal device requesting account information for recognizing the account of the family member in an linked service that links with a service using a credit card including the family card and is provided by an entity different from the service using the credit card, and acquiring the account information from the terminal device; a process of sending a notification to the management device of the linked service together with the account information to the family member whose account is recognized by the account information, requesting the start of provision of the linked service linked with the family card; A service integration method that executes the above.

7. The processor When input information of a parent member for applying for the issuance of a family card to be used by a family member is received from a terminal device of a user via a network, a process of transmitting information to the terminal device requesting account information for recognizing the account of the family member in an linked service that links with a service using a credit card including the family card and is provided by an entity different from the service using the credit card, and acquiring the account information from the terminal device; a process of sending a notification to the management device of the linked service together with the account information to the family member whose account is recognized by the account information, requesting the start of provision of the linked service linked with the family card; A program to execute.

8. The processor: When accepting input from a parent member to apply for the issuance of a family card to be used by a family member, a process of acquiring account information for recognizing the account of the family member in a linked service linked to a service using a credit card including the family card; a process of sending a notification to the management device of the linked service to the family member whose account is recognized by the account information, requesting the management device to start providing the linked service linked with the family card; and performing an authentication process to infer a family relationship between the parent member and the family member. In the process of transmitting the notification to the management device of the linked service, when a family relationship between the primary member and the family member is inferred by the authentication process, the processor transmits a notification to the management device of the linked service requesting the start of provision of the linked service; The account information is the telephone number of the family member, The processor performs the authentication process by requesting the second terminal device used by the family member to input the authentication code issued to the first terminal device used by the parent member into an interface associated with a short message sent to the second terminal device with the phone number as the destination. Payment management methods.

9. The processor: When accepting input from a parent member to apply for the issuance of a family card to be used by a family member, a process of acquiring account information for recognizing the account of the family member in a linked service linked to a service using a credit card including the family card; a process of sending a notification to the management device of the linked service to the family member whose account is recognized by the account information, requesting the management device to start providing the linked service linked with the family card; and performing an authentication process to infer a family relationship between the parent member and the family member. In the process of transmitting to the management device of the linked service, when a family relationship between the primary member and the family member is inferred by the authentication process, the processor is caused to transmit to the management device of the linked service a notification for requesting the start of provision of the linked service; The account information is the telephone number of the family member, The authentication process is performed by causing the processor to request the second terminal device used by the family member to input an authentication code issued to the first terminal device used by the parent member into an interface associated with a short message sent to the second terminal device used by the family member with the telephone number as the destination. program.

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