Information processing device, information processing system, financial institution server, information processing method, and program

Abstract

To improve convenience for users (target users) or financial institutions in opening accounts. [Solution] An information processing device comprising: an extraction unit that references a memory unit in which identification information of an affiliated store for identifying an affiliated store of an electronic payment service is stored, and extracts the identification information of the affiliated store; and a processing unit that provides the extracted identification information of the affiliated store to a financial institution server of a bank that manages the bank account in order to assist the affiliated store or the affiliated store's business owner in opening a business bank account.

Description

[Technical Field]

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

[0002] Conventionally, a new account opening method has been disclosed in which application information such as the user's name, address, and subscriber number sent from the user's terminal when the user applies for an account is obtained, contract information such as the user's name, address, and subscriber number sent from the operator's operator system is obtained, the application information and contract information are compared, and if the two pieces of information match, it is determined that the user's identity has been successfully verified, and a new account is automatically opened for the user (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2003-122922 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the account opening method described in Patent Document 1 can impose a heavy burden on users when opening an account, resulting in low convenience for users. Also, the processing load on financial institutions can be high. As such, convenience is low.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an information processing device, an information processing system, a financial institution server, an information processing method, and a program that can improve convenience for users (target users) or financial institutions when opening an account. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an extraction unit that references a memory unit in which identification information of a member store for identifying a member store of an electronic payment service is stored and extracts the identification information of the member store, and a processing unit that provides the extracted identification information of the member store to a financial institution server of a bank that manages the bank account to assist the member store or the member store's business owner in opening a business bank account. [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 system, a financial institution server, an information processing method, and a program that can improve convenience for users (target users) or financial institutions. [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 182. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 186. [Figure 7] FIG. 10 is a diagram showing an example of affiliated store management information 188. [Figure 8] FIG. 3 is a diagram illustrating the configuration of a financial institution server 300. [Figure 9] 1 is a sequence diagram showing an example of the flow of processing executed by the payment server 100, the financial institution server 300, and the user's terminal device (for example, the user terminal device 10). [Figure 10] FIG. 2 is a diagram showing an example of an interface screen IF provided to a user's terminal device. [Figure 11]10A and 10B are diagrams for explaining information required in a comparative example and the present embodiment. [Figure 12] FIG. 10 is a sequence diagram showing another example of the flow of processing executed by the payment server 100, the financial institution server 300, and the user's terminal device (for example, the user terminal device 10). [Figure 13] FIG. 10 is a sequence diagram showing another example of the flow of processing executed by the payment server 100, the financial institution server 300, and the bank terminal device (terminal device of the bank staff member). [Figure 14] 1 is a sequence diagram showing an example of the flow of processing executed by the payment server 100 and the financial institution server 300. FIG. [Figure 15] FIG. 10 is a diagram showing an example of an interface screen displayed on a user's terminal device. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing system, a financial institution server, an information processing method, and a program according to the present invention will be described. Various devices, such as a "server," a "management device," and an "information providing device," that provide services to users and perform internal analysis, may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the hardware owner (the cloud server provider) and the business that actually operates the device may also be different. 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) existing in real space, but may also include a virtual store for e-commerce transactions. Virtual stores may also include those operated by an entity other than the operator of the electronic payment service. In such cases, a transition to an interface screen for the electronic payment service may be performed when making a payment for a purchase at the virtual store. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and a financial institution server 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" and "user ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used to identify the user. 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 the one-time code.

[0019] [Payment server] FIG. 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, a processing unit 150, and a storage unit 180. The components other than the communication unit 110 and the storage unit 180 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (hard disk drive) 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. The information management unit 140 is an example of an "extraction unit."

[0020] The storage unit 180 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 180 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 180 stores information such as user information 182, content information 184, affiliated store / shop information 186, and affiliated store management information 188. Each piece of information will be described later.

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

[0022] The content provider 120 has, for example, a web server function, and provides information (content) for displaying various screens for electronic payment services to the user terminal device 10, the affiliated store interface 72, etc. The content provider 120 reads out necessary content from the content information 184 as appropriate and provides it to the target device, etc. The user terminal device 10 accepts various inputs from the user while content is being played by the payment app 20 or mini app 30, and transmits the above-mentioned payment information, etc. to the payment server 100.

[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 182.

[0024] 5 is a diagram showing an example of the contents of user information 182. User information 182 is an example of user registration information. User information 182 is information that is associated with, for example, a user URL, account ID, phone number, password, as well as email address, user ID, name, address, date of birth, registration date, charge balance, credit payment settings, credit payment limit, credit payment amount used, credit payment available amount, payment method settings, bank account, credit card number, charge history information, and payment history information.

[0025] The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can set at their discretion (but does not have to set). Similarly, the email address, name, address, and date of birth (age) are also information that the user can set at their discretion (but do not have to set). If identity verification has been performed, for example, the address and age are the address and age confirmed by identity verification. The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] 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 a bank account or credit card number (account number, card number), respectively, that can be used to deposit funds into the electronic payment service. In addition to the bank account, user information 182 may also include information such as the bank account holder's information, bank name, branch name, bank identification information, and branch identification information (store number). Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. 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.).

[0027] 6 is a diagram showing an example of the contents of affiliated store / store information 186. The affiliated store / store information 186 includes, for example, a first table 206A in which affiliated store IDs and store IDs are associated with store URLs, a second table 206B in which affiliated store IDs are associated with affiliated store names and sales amounts (described above), and a third table 206C in which store IDs are associated with store names and store addresses. In addition to this information, the affiliated store / store information 186 may also include information such as affiliated store or store categories and payment patterns.

[0028] The information management unit 140 acquires various types of information from the user terminal device 10 or the second store terminal device 70 and manages the acquired information. The information management unit 140 manages user information 182 and affiliated store / store information 186 based on the information acquired from the user terminal device 10 or the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc. the user information 182 and affiliated store / store information 186.

[0029] The processing performed by the processing unit 150 will be described in detail later.

[0030] [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 refers to the user information 182 to acquire the "payment method setting" of the user. The payment processing unit 130 performs electronic payment for users whose "payment method setting" is set to "charge balance" as follows. The payment processing unit 130 performs electronic payment, for example, 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, 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. Note that 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.

[0031] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows: Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and allows electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit card payment amount in the user information 182 and subtracts the payment amount from the available credit card payment amount. If the payment amount exceeds the available credit card payment amount, an error notification is returned to the payment app 20. The amount used for credit card payment is settled, for example, by debiting a bank account in one lump sum for one month on the payment date of the following month. This process is performed by the operator of the credit card company. If the user has a gift certificate that can be used at affiliated stores, the payment server 100 uses the gift certificate to perform electronic payment. Any remaining amount due from the gift certificate in the electronic payment is settled using another payment method.

[0032] [Member store management information] Here, we will explain the affiliated store management information 188. Figure 7 is a diagram showing an example of the affiliated store management information 188. The affiliated store management information 188 includes affiliated store identification information for identifying an affiliated store of an electronic payment service. The affiliated store identification information is, for example, information that indicates the actual state of the affiliated store conducting business in the electronic payment service, and is information that is associated with the affiliated store ID (affiliated store management information) of the electronic payment service and managed by the electronic payment service.

[0033] The member store's identification information is either (1) or (2), or both.

[0034] (1) is one or more of the following information: corporate number, corporate name, and registered address.

[0035] (2) is one or more of the following information: the business owner’s name and contact information.

[0036] Specifically, as shown in Figure 7, affiliated store management information 188 includes one or both of the following: information in which a corporate number, corporate name, registered address, etc. are associated with an affiliated store ID; and information in which a sole proprietor's name, date of birth, email address, and other contact information are associated with an affiliated store ID. The identification information for an affiliated store is not limited to the above information, and may also be information capable of identifying other affiliated stores. An affiliated store in affiliated store management information 188 is, for example, an affiliated store that is currently registered as an affiliated store, and does not include information about affiliated stores that were previously affiliated stores.

[0037] The affiliated store management information 188 may include information indicating that the affiliated store satisfies predetermined conditions, or may include identification information of affiliated stores that satisfy the predetermined conditions and exclude identification information of affiliated stores that do not satisfy the predetermined conditions. The predetermined conditions are conditions that infer the actual state of a business, such as the affiliated store's business hours being at least a predetermined number of hours or the affiliated store's sales being at least a predetermined amount.

[0038] The payment server 100 may, for example, analyze the following information (A) to (C) about the affiliated store to determine whether or not the predetermined conditions are met. (A) The payment server 100 may analyze either or both of the continuity and stability of sales in the affiliated store's electronic payment service. For example, the payment server 100 may determine that a predetermined condition is met if "monthly sales have been generated continuously over the past six months and the total amount exceeds a predetermined threshold." (B) The payment server 100 may analyze the soundness of transactions in the affiliated store's electronic payment service. For example, the payment server 100 may determine that a predetermined condition is met if the incidence of complaints or chargebacks from users of the electronic payment service is equal to or less than a predetermined threshold. (C) The payment server 100 may analyze the frequency of use of the affiliated store's electronic payment service. For example, the payment server 100 may determine that a predetermined condition is met if the frequency of logins to the affiliated store interface 72 or the number of coupons issued meets a predetermined standard.

[0039] For an affiliated store that meets one or more of these predetermined conditions, the payment server 100 generates information indicating a high probability that the business is being run soundly (e.g., a "sales confirmed flag" or a "good affiliated store score"), which is associated with the affiliated store's identification information. By providing this information to the financial institution server 300, the payment server 100 enables the financial institution to simplify part of the account opening screening process and improve the accuracy of the screening. In this way, this embodiment can contribute to reducing the screening burden on financial institutions by using objective activity performance data obtained through electronic payment services.

[0040] In the above, it was explained that information such as a "sales confirmed flag" and a "good merchant score" is provided to the financial institution server 300 in association with the identification information of the merchant, but the payment server 100 may also provide only the identification information of merchants that meet specified conditions to the financial institution server 300 by including it in the merchant management information 188.

[0041] Specifically, the payment server 100 evaluates the activity data (sales, transaction details, frequency of service use, etc.) of all affiliated stores under its management at a predetermined batch processing timing, for example, daily or weekly, and determines which affiliated stores satisfy the above-mentioned conditions (A) to (C). Then, as a result of the determination, it generates affiliated store management information 188 that includes only the identification information (affiliated store ID, corporate number, etc.) of affiliated stores that satisfy the conditions. The payment server 100 provides this affiliated store management information 188 to the financial institution server 300. The financial institution server 300 stores the provided list in the memory unit 350 as affiliated store management information 370 to be referenced during account opening screening.

[0042] According to this configuration, when an application for opening an account is made, the financial institution server 300 simply verifies whether the identification information presented by the applicant exists in the affiliated store management information 188 provided by the payment server 100. If the information exists in the list, the affiliated store is deemed to have had its business status verified by the payment service provider, and the process of requesting the submission of documents verifying its business status is omitted.

[0043] In this way, by limiting the linked information to eligible information, it is possible to reduce the amount of data exchanged with financial institutions and greatly simplify the examination logic on the financial institution server 300 side to "checking whether the information exists in the list." This makes it possible to realize more efficient and secure linkage between systems and further speed up the account opening process.

[0044] [Financial institution server] FIG. 8 is a configuration diagram of financial institution server 300. Financial institution server 300 includes, for example, communication unit 310, acquisition unit 320, information processing unit 330, and storage unit 350. The components other than communication unit 310 and storage unit 350 are implemented, for example, 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, 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.

[0045] The storage unit 350 is a hard disk drive (HDD), flash memory, RAM (Random Access Memory), etc. The storage unit 350 may be a NAS device that can be accessed by the financial institution server 300 via a network. The storage unit 350 stores examination criteria information 360 and affiliated store management information 370.

[0046] The communication unit 310 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0047] The acquisition unit 320 acquires information provided from other devices. For example, the acquisition unit 320 acquires information provided from the payment server 100, a terminal device used by a user, or the like.

[0048] The information processing unit 330 executes various processes, such as opening a bank account, managing the bank account, and transferring funds between the bank account. The information processing unit 330 provides an interface screen for inputting the member store's identification information and other interface screens for inputting the items required to open a bank account to the terminal device of the user (hereinafter, the user who opens a bank account will be referred to as the "target user"). The information processing unit compares the identification information entered on the interface screen with the member store's identification information and determines whether to execute a process to request the target user to provide information indicating the business status. If the member store's identification information matches the entered identification information, the information processing unit 330 executes a process to open a bank account without requesting the target user to provide information indicating the business status. The information indicating the business status is, for example, preset information required to open a bank account. For example, this information is preset information such as store sales, business hours, and store images.

[0049] The screening criteria information 360 indicates various criteria (various items) that are checked when opening a bank account. The information processing unit 330 determines whether the information provided by the target user satisfies the various criteria, and if the criteria are met, opens a bank account for the target user.

[0050] The affiliated store management information 370 is the affiliated store management information 188 provided by the payment server 100.

[0051] [Sequence diagram] The payment server 100 references a storage unit that stores identification information of affiliated stores for identifying affiliated stores of electronic payment services, and extracts the identification information of the affiliated stores. The payment server 100 provides the extracted identification information of the affiliated stores to the financial institution server 300 of the bank that manages bank accounts to support the affiliated stores or the owners of the affiliated stores in opening business bank accounts. The payment server 100 extracts the identification information of the affiliated stores, for example, at predetermined intervals.

[0052] 9 is a sequence diagram showing an example of the flow of processing executed by the payment server 100, the financial institution server 300, and the target user's terminal device (e.g., the user terminal device 10). First, the payment server 100 transmits the affiliated store management information 188 to the financial institution server 300 (S100). The affiliated store management information 188 is transmitted, for example, at predetermined intervals.

[0053] Next, financial institution server 300 stores the acquired affiliated store management information 188 in storage unit 350 as affiliated store management information 370 (S102). Next, when financial institution server 300 receives a request to open a bank account from the target user's terminal device (S104), it provides an interface screen for receiving input of information necessary to open a bank account to the target user's terminal device (S106).

[0054] The target user operates the target user's terminal device to input information into the interface screen, and the target user's terminal device provides the input information to the financial institution server 300 (S108). FIG. 10 is a diagram showing an example of an interface screen IF provided to the target user's terminal device. The interface screen IF10 includes, for example, an input field for inputting the affiliated store's identification information. In the example of FIG. 10, the affiliated store is a corporation, and the target user has input the corporation number, corporation name, and registered address. If the target user is a sole proprietor, an interface screen is provided for inputting the sole proprietor's name, date of birth, and email address. For example, the financial institution server 300 inquires the target user as to whether the bank account to be opened is a corporation's bank account or a sole proprietor's bank account, and determines the interface screen to be provided based on the target user's selection. When the target user operates, for example, the confirm button on the interface screen IF, the input affiliated store's identification information is verified.

[0055] The financial institution server 300 compares the entered member store identification information with the member store management information 370 (S110). Next, the financial institution server 300 provides an interface screen corresponding to the comparison result to the target user's terminal device (S112). For example, if the member store identification information matches the member store management information 370, the financial institution server 300 skips the process of requesting the target user to provide information indicating the actual business status and proceeds with the process of opening a bank account. In this case, an interface screen for inputting other necessary information, an interface screen indicating that the application for opening a bank account has been completed, an interface screen indicating that the review for opening the bank account will proceed, and the like are provided. For example, if the member store identification information does not match the member store management information 370, the financial institution server 300 provides an interface screen requesting the target user to provide information indicating the actual business status.

[0056] [Comparison with comparative examples] FIG. 11 is a diagram for explaining information required in a comparative example and this embodiment. In the comparative example, when an affiliated store opens a bank account (a bank account for business use), it is necessary to display a first predetermined number of screens (interface screens) on the display unit of the target user's terminal device and input information into a second predetermined number of input fields. Furthermore, the target user is required to submit documents verifying the actual business status of the target user, showing that the target user is running a business. Also, eKYC (electronic Know Your Customer), an online identity verification, is required.

[0057] In this embodiment, identification information of a merchant operating as a merchant in the electronic payment service is provided to the financial institution server 300, and the financial institution server 300 can verify that the target user is a business operator operating in the electronic payment service by referencing the above information. In this manner, this embodiment eliminates the need to submit documents verifying the actual business status. Furthermore, because the actual business status can be verified as described above, fewer interface screens than the comparative example can be provided, and the number of input items to be entered can be reduced. In this manner, it is possible to provide fewer interface screens and fewer input items for providing information about the actual business status. For example, in this embodiment, a third predetermined number of interface screens, which is less than the first predetermined number, are provided, and a fourth predetermined number of input items, which is less than the second predetermined number, are presented.

[0058] As described above, in the embodiment of the present application, the load on the target user and the financial institution can be reduced, thereby improving the convenience for the target user.

[0059] In the above embodiment, for example, even when a target user applies through a web page provided by a financial institution, financial institution server 300 can omit the submission of business status verification documents by the above process. For example, when an operation to open a bank account is performed through an interface screen provided by an electronic payment service while the member store is logged in to the service for member stores provided by the service, payment server 100 may provide financial institution server 300 with identification information of the member store associated with the member store ID (member store management information) managed by the electronic payment service. In this case, financial institution server 300 may omit providing an interface screen for the target user to input the member store identification information, and may determine whether to omit the submission of business status verification documents by comparing the member store identification information obtained from payment server 100 with member store management information 370.

[0060] Also, for example, when an operation to open a bank account is performed from an interface screen provided by an electronic payment service while the member is logged in to a service for member stores provided by the service, the payment server 100 may provide the financial institution server 300 with information indicating that the target user is a member store of the electronic payment service and has an actual business presence, instead of providing the financial institution server 300 with the member store's identification information associated with the member store ID (member store management information) managed by the electronic payment service.

[0061] As described above, in this embodiment, even if the target user applies for a bank account through various channels, the burden on the target user and financial institutions can be reduced, thereby improving the convenience of the target user.

[0062] [Provision of information upon request] In the above example, an example was described in which the payment server 100 provides the affiliated store management information 188 to the financial institution server 300 in advance, but instead (or in addition), the payment server 100 may obtain from the financial institution server 300 the identification information of the affiliated store entered by the target user when applying to open a bank account, determine whether there is any identification information of the affiliated store that matches the obtained identification information of the affiliated store, and provide the result of the determination to the financial institution server 300. For example, the payment server 100 may provide an API (Application Programming Interface) that provides information on the existence of the target user's business entity as follows:

[0063] 12 is a sequence diagram showing another example of the flow of processing executed by the payment server 100, the financial institution server 300, and the target user's terminal device (e.g., the user terminal device 10). First, when the financial institution server 300 receives a request to open a bank account from the target user's terminal device (S200), it provides the target user's terminal device with an interface screen that accepts input of information required to open a bank account (S202).

[0064] The target user operates the target user's terminal device to input information into the interface screen, and the target user's terminal device provides the input information to the financial institution server 300 (S204). For example, the identification information of the affiliated store is provided from the target user's terminal device.

[0065] Next, the financial institution server 300 transmits the member store identification information and requests the payment server 100 to match the member store identification information with the member store management information 188 (S206). Next, the payment server 100 matches the member store identification information provided by the financial institution server 300 with the member store management information 188 (S208) and provides the matching result to the financial institution server 300 (S210). The matching result may indicate, for example, whether the member store identification information matches the member store management information 188 (a business entity exists) or does not match (a business entity does not exist). The financial institution server 300 may, for example, provide an interface screen corresponding to the matching result to the target user's terminal device (S212). This allows the matching result for the current status to be used.

[0066] [Provide more information] When the payment server 100 receives a request from the financial institution server 300 to provide information regarding the business status that is different from the member store's identification information, the payment server 100 may extract information regarding the business status that is associated with the member store's identification information and provide the extracted information regarding the business status (e.g., detailed information) to the financial institution server 300.

[0067] The information relating to the actual business situation associated with the member store identification information is, for example, information associated with the member store ID and included in member store / store information 186, or information or documents provided to the electronic payment service provider when the target user applied to become a member store. For example, an image of the store associated with the member store ID in member store / store information 186, a business plan, a certified copy of the register, etc. may be provided.

[0068] 13 is a sequence diagram showing another example of the flow of processing executed by the payment server 100, financial institution server 300, and a bank terminal device (terminal device of a bank employee). First, when a bank employee operates the "Provide detailed information" button on the interface screen for the bank account opening review displayed on the display unit of the bank terminal device, a request for providing detailed information is sent to the financial institution server 300 (S300). Next, the financial institution server 300 sends a request for providing detailed information to the payment server 100 (S302). The financial institution server 300 also provides the payment server 100 with identification information of the affiliated store.

[0069] Next, the payment server 100 searches for detailed information from the member store management information 188 and the member store / store information 186 using the member store identification information as a key (S304). Next, the payment server 100 provides the retrieved detailed information to the financial institution server 300 (S306). Next, the financial institution server 300 provides the detailed information to the bank's terminal device (S308). Next, the bank's terminal device displays the detailed information on the display unit (S310). This allows the examiner to efficiently and appropriately conduct the examination by viewing the detailed information.

[0070] In each of the above examples, not only is the member store management information 188 shared, but when an application for a bank account is made, the payment server 100 may also provide the financial institution server 300 with information regarding the actual business situation. For example, when the payment server 100 acquires from the financial institution server 300 information indicating that a bank account has been applied for and the member store's identification information, the payment server 100 may provide the financial institution server 300 with information regarding the actual business situation of the member store corresponding to the member store's identification information. The information regarding the actual business situation is, for example, the detailed information described above and other member store information managed by electronic payment services. Furthermore, the detailed information and other member store information managed by electronic payment services may be provided to the financial institution server 300 when the member store management information 188 is provided.

[0071] [Two-way information sharing] The payment server 100 and the financial institution server 300 may share information with each other.

[0072] The payment server 100 detects changes in information regarding the business status of the affiliated store (S400). For example, it may detect that the affiliated store has ceased to be an affiliated store, that sales have ceased, or that sales have decreased by more than a predetermined amount. The payment server 100 provides information indicating the detection results to the financial institution server 300 (S404). This allows the payment server 100 to provide the financial institution server 300 with any changes in the business status of the affiliated store between the last time the affiliated store management information 188 was sent and the next time the affiliated store management information 188 is sent. The financial institution server 300 refers to the acquired detection results to update the affiliated store management information 370 or perform a risk assessment of the affiliated store (S404). This allows the financial institution server 300 to, for example, conduct appropriate screening when a target user opens a bank account, or to monitor affiliated stores that already have bank accounts in accordance with the detection results.

[0073] The payment server 100 may acquire information about the affiliated store from the financial institution server 300. The financial institution server 300 detects risks regarding the use of the affiliated store's bank account (S500). The risk is information about the availability of the bank account, such as information indicating that the bank account can no longer be used (information about freezing or cancellation). Next, the financial institution server 300 provides information about the detection results to the payment server 100 (S502). The payment server 100 executes a predetermined process in response to the acquisition of the information (S504).

[0074] The predetermined processing is to make a proposal within the electronic payment service according to the situation. For example, when the payment server 100 receives information from the financial institution server 300 indicating that the bank account into which the affiliated store's sales in the electronic payment service is deposited is no longer available, the payment server 100 proposes changing the bank account into which the affiliated store's sales in the electronic payment service is deposited to another bank account. For example, the payment server 100 proposes changing the bank account into which the sales are deposited to another bank account in the affiliated store interface 72, and if the target user agrees to the proposal, the bank account is automatically changed to the specified other bank account. In this way, the payment server 100 can make a proposal suitable for the target user according to the bank account information obtained from the financial institution server 300.

[0075] Furthermore, in the above example, when the payment server 100 acquires information on fraudulent use of a bank account from the financial institution server 300, the payment server 100 may strengthen monitoring of the affiliated store. For example, the payment server 100 may check the progress of sales or obtain consent from the affiliated store that there is no fraud. In this way, the payment server 100 can cooperate with the financial institution server 300 to check the soundness of the affiliated store and prevent fraud before it occurs.

[0076] Furthermore, the payment server 100 may obtain information indicating that the opening of a bank account has been completed from the financial institution server 300. FIG. 15 is a diagram showing an example of an interface screen displayed on the target user's terminal device. When the target user opens a bank account, the financial institution server 300 displays interface screen IF11 on the display unit of the target user's terminal device. Interface screen IF11 is a screen for confirming whether or not the target user agrees to linking information with the electronic payment service. When the target user performs a predetermined operation and agrees to the linking of information, the information of affiliated stores managed by the financial institution server 300 is provided to the payment server 100.

[0077] When the payment server 100 receives information indicating that a bank account has been opened from the financial institution server 300, it proposes changing the bank account into which the affiliated store's sales in the electronic payment service are deposited to the opened bank account. For example, when a bank account is opened for a target user who has skipped the process of providing information about the business status using the affiliated store management information 370 (when the target user is an affiliated store of the electronic payment service), the financial institution server 300 provides the payment server 100 with identification information of the affiliated store and information indicating that the bank account has been opened.

[0078] The payment server 100 displays an interface screen IF12 on the member store interface 72, for example. The interface screen IF12 includes, for example, information suggesting changing the bank account opened via the financial institution server 300 to a bank account into which the member store's sales revenue will be deposited. For example, if the target user agrees to the bank account change, the payment server 100 automatically changes the bank account into which the sales revenue will be deposited to the opened bank account. For example, the interface screen IF12 may include information indicating the benefits of using the opened bank account. The benefits include, for example, benefits such as preferential interest rates that can be provided by setting the opened bank account as the bank account into which the sales revenue will be deposited.

[0079] As described above, the payment server 100 can provide better proposals to the target user by coordinating information with the financial institution server 300. Furthermore, the payment server 100 can encourage the target user to use affiliated financial institutions.

[0080] In the above example, it was explained that after a bank account is opened, the opened bank account is set as the bank account into which sales revenue from the electronic payment service is deposited with the target user's approval. However, when a bank account is opened through the affiliated store interface 72, the payment server 100 may set the newly opened bank account as the bank account into which sales revenue is deposited with the target user's approval in advance. The payment server 100 obtains information indicating that a bank account has been opened, along with the shared affiliated store ID and affiliated store identification information, from the financial institution server 300, and automatically sets the opened bank account as the bank account into which sales revenue is deposited. This improves convenience for the target user.

[0081] Furthermore, even if a bank account is opened without going through the affiliated store interface 72, the payment server 100 may obtain the target user's approval in advance and set the newly opened bank account as the bank account into which sales revenue will be deposited. The payment server 100 acquires from the financial institution server 300 information indicating that a bank account has been opened along with the affiliated store's identification information, identifies the affiliated store ID from the affiliated store's identification information, and sets the opened bank account as the bank account into which sales revenue linked to the identified affiliated store ID will be deposited. This improves convenience for the target user. Note that in the above example, the financial institution server 300 may acquire the affiliated store ID from the target user, and the affiliated store may be identified in the payment server 100.

[0082] [others] In addition to the affiliated store management information 188, the payment server 100 may provide the financial institution server 300 with information relating to the business status of the affiliated store and information indicating an evaluation of the business status. Information relating to the business status of the affiliated store may include, for example, the fact that the affiliated store has ceased to be an affiliated store, that sales have ceased, that sales have decreased by more than a predetermined amount, complaints from target users of the electronic payment service, or that the number of business days is less than a predetermined number. The evaluation is an evaluation derived by the payment server 100 using an algorithm that evaluates a predetermined business status, and is, for example, an evaluation indicating the possibility that there is no business status.

[0083] The financial institution server 300 performs a bank account screening based on, for example, information about the affiliated store's business status and an evaluation of the business status obtained from the payment server 100. For example, if the financial institution server 300 determines that there is a certain degree or more of a possibility that the business will cease to exist or that there is no business status, it may perform a screening different from the usual screening or may not skip the submission of documents to verify the business status. In this way, a screening for opening a bank account that is more suited to the affiliated store's business status is performed.

[0084] The above processes reduce the time required for complicated document preparation and waiting for screening, shortening the time from application to account opening. Furthermore, regardless of the application route, if the application is made at an electronic payment service affiliate, the screening process and the information input required are simplified, improving convenience for target users. Financial institutions can also reduce processing loads (labor and time costs), improve the productivity of screening work, and more efficiently attract electronic payment service affiliates as customers, which is expected to increase the number of accounts acquired. Furthermore, seamless integration between electronic payment services and financial services increases added value for affiliates and strengthens engagement and loyalty between electronic payment services and affiliates.

[0085] According to the embodiment described above, the payment server 100 refers to the memory unit 180 in which the identification information of the member store for identifying the member store of the electronic payment service is stored, extracts the identification information of the member store, and provides the extracted identification information of the member store to the financial institution server 300 of the bank that manages the bank account in order to assist the member store or the business owner of the member store in opening a business bank account, thereby improving the convenience for the target user or financial institution in opening an account.

[0086] 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]

[0087] 1. Electronic payment systems 10 User terminal device 20. Payment App 50 First store terminal device 72 Merchant Interface 100 Payment Server 140 Information Management Department 150 Processing section 300 Financial institution server

Claims

1. Refer to a storage unit that stores identification information of a member store for identifying a member store of the electronic payment service, an extraction unit that extracts the identification information of the affiliated store; a processing unit that provides the extracted identification information of the affiliated store to a financial institution server of a bank that manages the bank account, so that when the affiliated store or the owner of the affiliated store opens a business bank account, the financial institution server that manages the bank account can omit the process of requesting the affiliated store or the owner of the business to provide information showing the business status of the affiliated store; An information processing device comprising:

2. The processing unit providing the extracted identification information of the affiliated store to a financial institution server of the bank, so that the financial institution server managing the business bank account can determine whether or not it is necessary to provide information showing the actual business status by determining whether the extracted identification information matches the identification information entered by the person who opened the business bank account when applying to open the account; The information processing device according to claim 1 .

3. The extraction unit extracts the identification information of the affiliated store at predetermined intervals. The information processing device according to claim 1 .

4. The member store identification information is information indicating the actual state of the member store's business in the electronic payment service, and is associated with management information of the member store of the electronic payment service and managed by the electronic payment service. The information processing device according to claim 3 .

5. The identification information of the franchisee is one or both of (1) and (2), where (1) is one or more of the following information: the corporate number, the corporate name, and the registered address, and (2) is one or more of the following information: the name of the business owner and contact information. The information processing device according to claim 4 .

6. When an operation to open a bank account is performed from an interface screen provided by an electronic payment service while the merchant is logged in to the service for merchants provided by the service, the processing unit provides the financial institution server with identification information of the affiliated store associated with management information of the affiliated store managed by the electronic payment service; The information processing device according to claim 1 .

7. The extraction unit acquires from the financial institution server the identification information entered by the target user when applying to open a bank account, and determines whether or not there is identification information of the affiliated store that matches the acquired identification information; The processing unit provides the result of the determination to the financial institution server. The information processing device according to claim 1 .

8. the extraction unit, when receiving a request for provision of information on a business status different from the member store's identification information from the financial institution server, extracts the information on the business status associated with the member store's identification information; The processing unit provides the extracted information about the business status to the financial institution server. The information processing device according to claim 1 .

9. The processing unit acquires from the financial institution server a status indicating whether the bank account of the affiliated store can be used, and makes a proposal according to the status within the electronic payment service. The information processing device according to claim 1 .

10. The processing unit When information indicating that a bank account has been opened is acquired from the financial institution server, the bank account into which the affiliated store's sales in the electronic payment service is deposited is proposed to be changed to the opened bank account. The information processing device according to claim 9 .

11. The processing unit when receiving information from the financial institution server indicating that the bank account into which the affiliated store's sales revenue for the electronic payment service is deposited has become unavailable, the financial institution server proposes changing the bank account into which the affiliated store's sales revenue for the electronic payment service is deposited to another bank account; The information processing device according to claim 9 .

12. When the status of the affiliated store's business in the electronic payment service satisfies a predetermined condition, the processing unit provides the financial institution server with information indicating that the predetermined condition is satisfied. The information processing device according to claim 1 .

13. Refer to a storage unit that stores identification information of a member store for identifying a member store of the electronic payment service, an extraction unit that extracts the identification information of the affiliated store; an information processing device including a processing unit that provides the extracted identification information of the affiliated store to a financial institution server of a bank that manages the bank account in order to support the affiliated store or the owner of the affiliated store in opening a business bank account; Acquire the identification information of the affiliated store; The acquired identification information of the affiliated store is compared with the identification information entered by the target user when applying to open a bank account, a financial institution server that, if the identification information of the affiliated store matches the input identification information, executes a process to open the bank account without requesting the target user to provide information indicating the actual business situation; An information processing system comprising:

14. The financial institution server providing an interface screen for inputting the identification information to the terminal device of the target user; comparing the identification information entered on the interface screen with the identification information of the affiliated store, and determining whether to execute a process of requesting the target user to provide information indicating the business status; The information processing system according to claim 13.

15. an acquisition unit that acquires, from an information processing device that provides the electronic payment service, identification information of a member store for identifying the member store of the electronic payment service; The acquired identification information of the affiliated store is compared with the identification information entered by the target user when applying to open a bank account, an information processing unit that, if the identification information of the affiliated store matches the input identification information, executes a process to open the bank account without requesting the target user to provide information indicating the actual business situation; A financial institution server comprising:

16. The computer Refer to a storage unit that stores identification information of a member store for identifying a member store of the electronic payment service, extracting the identification information of the affiliated store; providing the extracted identification information of the affiliated store to a financial institution server of a bank that manages the bank account, in order to enable the financial institution server that manages the bank account to omit the process of requesting the affiliated store or the business owner of the affiliated store to provide information indicating the business status of the affiliated store when the affiliated store or the business owner of the affiliated store opens a business bank account; Information processing methods.

17. On the computer, Refer to a storage unit that stores identification information for identifying a member store of the electronic payment service; extracting the identification information of the affiliated store; The extracted identification information of the affiliated store is provided to a financial institution server of a bank that manages the bank account, so that when the affiliated store or the owner of the affiliated store opens a business bank account, the financial institution server that manages the bank account can omit the process of requesting the affiliated store or the owner of the business to provide information showing the business status of the affiliated store. program.

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