JP2024141273A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] To provide an electronic payment service that can be used with simpler procedures. [Solution] The information processing device according to the present application comprises an acceptance unit that accepts a credit card application from a user via a payment service, an acquisition unit that acquires from the payment service identity verification information regarding whether the user has been identified by the payment service, and a proposal unit that, based on the identity verification information, proposes to users who have been identified that they register a user wallet or a bank account of the payment service as a credit card settlement account, and proposes to users who have not been identified that they register a bank account as a settlement account. [Selected Figure] Figure 1

Description

The present invention relates to an information processing device, a payment server, an information processing method, a payment method, an information processing program, and a payment program.

Conventionally, electronic payment services that use electronic money to pay for items are known. For example, one type of electronic payment service is a method in which a payment is made by displaying or reading a two-dimensional code or the like using a terminal device carried by a user.

For example, in electronic payment services, a technology has been proposed for post-payment settlement in which a user links a credit card to a wallet and pays the amount used for electronic money settlement in a lump sum at a later date (see, for example, Patent Document 1).

JP 2022-158810 A

However, conventional technology leaves room for improvement in providing electronic payment services that can be used with simpler procedures. For example, when a user applies for a credit card to be registered for deferred payment, the user needs to register a debit account for the credit card.

The present invention has been made in consideration of the above, and aims to provide an information processing device, a payment server, an information processing method, a payment method, an information processing program, and a payment program that can provide an electronic payment service that can be used with simpler procedures.

In order to solve the above-mentioned problems and achieve the object, the information processing device according to the present invention includes a reception unit that receives a credit card application from a user via a payment service, an acquisition unit that acquires from the payment service identity verification information regarding whether the user has been identified by the payment service, and a proposal unit that, based on the identity verification information, proposes to the identified user that the user has registered a user wallet or a bank account of the payment service as a settlement account for the credit card, and proposes to the identified user that the user has not been identified as registering a bank account as the settlement account.

The present invention makes it possible to provide electronic payment services that can be used with simpler procedures.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of a payment scheme according to an embodiment. FIG. 3 is a block diagram illustrating an example of the configuration of the payment server according to the embodiment. FIG. 4 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. FIG. 5 is a block diagram illustrating an example of the configuration of an information processing device according to the embodiment. FIG. 6 is a diagram illustrating an example of a terms of use screen according to the embodiment. FIG. 7 is a flowchart illustrating an example of a proposal process according to the embodiment. FIG. 8 is a flowchart illustrating an example of a payment process according to the embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments.

[Embodiment]
[1. Information Processing]
First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment. In the following, a case will be described in which the linked service is a service related to credit card credit transactions, and the payment service is a service related to electronic money payment using a user terminal 100.

As shown in FIG. 1, the information processing device 1 according to the embodiment is, for example, an information processing device operated by a credit card company, and is realized, for example, by a server device or a cloud system.

For example, the credit card company shown in FIG. 1 cooperates with electronic payment businesses and the like to provide various services to users. In this embodiment, the information processing device 1 accepts a credit card application from a user.

The payment server 200 owned by the electronic payment business operator is a server device that provides electronic money payments to each user. For example, the payment server 200 is an information processing device that provides electronic payment services related to electronic payments using the user terminal 100 and performs various payments. For example, the payment server 200 manages the accounts of providers (businesses) of transaction objects and users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts in accordance with payment requests from users.

The user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), etc. The user terminal 100 also displays information distributed by the information processing device 1 and the payment server 200 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smartphone.

Here, prior to the provision process executed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. Note that in the following description, an example will be described in which a user makes a payment using the user terminal 100 using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information that identifies store A, but the embodiment is not limited to this. The example of payment described below can also be applied when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. Furthermore, the store identification information may be not only a QR code, but also a barcode, a specified mark, a number, etc.

For example, when a user makes a payment for the use or purchase of a payment object (transaction object) such as various products or services at store A, the user launches a payment app pre-installed on the user terminal 100. The user then photographs the store identification information installed at store A via the payment app. In such a case, the user terminal 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from the user or a store clerk at store A. The user terminal 100 then transmits to the payment server 200 the user identification information that identifies the user, the store identification information (or information indicated by the store identification information, i.e., information indicating store A (or the operator of store A) (e.g., a store ID), and payment information indicating the payment amount.

In such a case, the payment server 200 transfers electronic money in the amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A indicated by the store identification information. The payment server 200 then sends a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies the user that the payment has been made with electronic money by outputting a screen or a specified sound indicating that the payment has been completed.

A more detailed example will be described. For example, the store identification information installed in store A is a URL set for each store, and is linked to group identification information indicating the group to which store A belongs and group store identification information identifying store A in the group, and is managed so that the payment server 200 can refer to it. The URL that is the store identification information is a URL for accessing the payment server 200. When the user terminal 100 photographs the store identification information, it accesses the URL indicated by the photographed store identification information and transmits the user identification information. In such a case, the payment server 200 identifies the group identification information corresponding to the accessed URL, and identifies the electronic money account (sometimes displayed as "wallet") linked to the identified group identification information. Next, the payment server 200 displays an amount input screen on the user terminal 100 and has the user input an amount. Then, the payment server 200 identifies the group identification information from the wallet linked to the user identification information received from the user terminal 100, and transfers the input amount of electronic money to the wallet linked to the identified group identification information. The payment server 200 may also transfer the electronic money to a wallet linked to the group identification information and the group store identification information.

Note that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100 and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., user ID), the payment amount, and information identifying store A) to the payment server 200. In such a case, the payment server 200 transfers electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A, and may notify the store terminal of store A or the user terminal 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

More specifically, the user terminal 100 sends a payment request to the payment server 200 together with the user identification information. In such a case, the payment server 200 generates a one-time code, links the generated one-time code to the user identification information, and sends the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information that identifies the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the payment server 200. The payment server 200 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

Furthermore, payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to store A's account, but may also be a payment using, for example, a credit card that the user has previously registered. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to store A's account and bill the operating company (card company) of the user's credit card for the payment amount.

Incidentally, in recent years, electronic money payments using the above-mentioned QR codes are becoming more and more widespread. In electronic money payments, a service is provided in which a user's wallet is linked to the user's credit card, and electronic money payments made by the user are charged at a later date as a lump sum withdrawal from the credit card. In the following, such services will be referred to as deferred payment services.

When user U applies for a credit card to be used for deferred payment services, he or she is required to register a debit account for the credit card. Currently, there are cases where user U abandons the application for a credit card, such as discontinuing the application, at the stage of registering the debit account for the credit card.

In other words, it is desirable to simplify the process for the user U to register a credit card withdrawal account. Therefore, the information processing device 1 according to the embodiment provides a service that allows the user to select a user wallet of a payment service as a credit card withdrawal account.

Specifically, when the information processing device 1 receives a credit card application from a user U who already has a bank account registered in the user wallet, it provides a new service of debiting the credit card from the user wallet.

As shown in FIG. 1, first, user U applies for a credit card to the payment server 200 through an electronic payment service app (step S1). The payment server 200 provides an information provision consent screen to the user terminal 100 of user U (step S2). Here, the information provision consent screen is a screen on which user U consents to the provision of personal information of user U held by the payment server 200 to the credit card company.

When user U agrees to the provision of information on the information provision consent screen (step S3), the payment server 200 notifies the information processing device 1 of user U's application for a credit card (step S4).

Upon receiving notification from the payment server 200, the information processing device 1 provides a credit card application screen to the user terminal 100 of the user U (step S5) and acquires application information from the user terminal 100 (step S6).

The information processing device 1 then acquires identity verification information of the user U from the payment server 200 (step S6), and acquires identity verification information of the user U from the payment server 200. The identity verification information is information regarding whether or not the corresponding user U has been identified in the payment service.

For example, in a payment service, identity verification is required in advance for user U who registers a bank account in a user wallet and sets up auto-charge for the user wallet. Therefore, identity verification information obtained from the payment server 200 can be said to be information indicating whether or not user U can use the auto-charge setting.

Then, the information processing device 1 selects a settlement account (credit card withdrawal account) to be proposed to the user U based on the identity verification information obtained from the payment server 200 (step S8).

Specifically, if user U has been identified by the payment server 200, the information processing device 1 selects the user wallet or a newly registered bank account as the settlement account, and if user U has not been identified by the payment server 200, the information processing device 1 selects the newly registered bank account as the settlement account.

Then, the information processing device 1 proposes the selected settlement account to the user U (step S9). In other words, for a user who has linked a bank account to their user wallet on the payment service side, they can apply for a credit card without registering a bank account.

As a result, the information processing device 1 according to the embodiment can provide an electronic payment service that can be used with simpler procedures.

Next, the flow of fund transfer when a credit card settlement account is used as a user wallet will be described with reference to FIG. 2. FIG. 2 is a diagram showing an example of a payment scheme according to an embodiment.

The credit card company shown in FIG. 2 may be replaced with the information processing device 1, the electronic payment company with the payment server 200, and the bank with the bank server (not shown). As shown in FIG. 2, when a user U uses a credit card service (step S11), the credit card company sends a credit card billing statement to the user U (step S12).

The billing statement is sent, for example, as electronic data, and a monthly statement is sent after the closing date of each month. Next, the credit card company makes a payment request to the electronic payment company for the amount of credit used by user U (step S13).

The payment request includes information such as the user ID and the amount due. Upon receiving the payment request, the electronic payment business operator debits the balance of user U's user wallet (step S14).

At this time, if the balance in the user wallet is insufficient, the electronic payment service provider sets the user wallet as an auto-charge account and makes a charge request to the bank (step S15).

The bank receives the charge request and transfers funds from user U's bank account to the user wallet to charge the balance (step S16). More specifically, the electronic payment business specifies the account number of user U's bank account and the charge amount to the bank registered in the user wallet, and makes a request for withdrawal. The bank then transfers money from user U's bank account to the electronic payment business's account, and the electronic payment business uses the charge amount transferred to the electronic payment business to charge the balance to the user wallet.

Then, the electronic payment business operator debits the funds from the user wallet (step S17), and then, on the specified due date, the electronic payment business operator transfers the collected amount to the credit card business operator (step S18).

With this scheme, if the balance in a user wallet is insufficient, the shortfall can be charged from a bank account linked to the user wallet, allowing credit card payments to be properly debited from the user wallet.

[2-1. Example of payment server configuration]
Next, a configuration example of the payment server 200 will be described with reference to Fig. 3. Fig. 3 is a block diagram showing a configuration example of the payment server 200 according to the embodiment. As shown in Fig. 3, the payment server 200 includes a communication unit 5, a storage unit 6, and a control unit 7.

The communication unit 5 is realized, for example, by a NIC (Network Interface Card) or the like. The communication unit 5 is connected to the network N by wire or wirelessly, and transmits and receives information between the communication unit 5 and the user terminal 100, etc.

The storage unit 6 is realized, for example, by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

As shown in FIG. 3, the storage unit 6 has a user information storage unit 61. The user information storage unit 61 stores user information. The user information includes various information related to the user U. FIG. 4 is a diagram showing an example of information stored in the user information storage unit 61 according to the embodiment.

As shown in FIG. 4, the user information storage unit 61 according to the embodiment stores information on items such as "user ID," "registration information," "wallet information," "identity verification," and "auto-charge" in association with each other.

The "User ID" item stores an identifier for identifying each user U in the payment server 200. The "Registered Information" item stores information registered in the payment server 200 by a user U identified by the corresponding user ID. The registered information includes various information such as name, address, age, family composition, place of employment, and annual income.

The "Wallet Information" item stores wallet information opened with an electronic payment service for user U identified by the corresponding user ID. Wallet information includes an identifier for identifying the wallet (e.g., wallet ID), information regarding the balance, and information regarding the wallet's charge account (bank account).

The "identity verification" item stores information (flag) regarding whether or not the user U identified by the corresponding user ID has undergone identity verification. For example, the "identity verification" item stores "1" for a user U who has undergone identity verification, and "0" for a user U who has not undergone identity verification.

The "Auto-charge" item stores information (flag) regarding whether or not the user U identified by the corresponding user ID has auto-charge set up. For example, if the user U identified by the corresponding user ID has auto-charge set up, "1" is stored, and if auto-charge is not set up, "0" is stored.

Returning to the explanation of FIG. 3, the control unit 7 will now be described. The control unit 7 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using the RAM as a working area. The control unit 40 is realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).

As shown in FIG. 3, the control unit 7 has an acquisition unit 71, a payment processing unit 72, and a setting unit 73. The acquisition unit 71 acquires a notification regarding the billing amount for the user's credit card. For example, the acquisition unit 71 acquires a notification regarding the billing amount for the user's credit card from the information processing device 1.

The acquisition unit 71 may acquire the credit card billing amount all at once after the credit card closing date, or may acquire the credit card billing amount at a predetermined interval.

The payment processing unit 72 executes various payment processes related to payments (electronic payments) using the user terminal 100. For example, the payment processing unit 72 executes a payment process to settle the credit card billing amount from the user wallet.

When the payment processing unit 72 receives a notification regarding the credit card bill from the acquisition unit 71, it determines whether the credit card bill can be settled with the balance in the corresponding user U's user wallet.

Then, if the balance in the user wallet is sufficient to settle the credit card bill (balance ≧ bill), the payment processing unit 72 subtracts the credit card bill from the balance in the user wallet.

In addition, if the balance in the user wallet is not enough to settle the credit card bill (balance < bill), the payment processing unit 72 requests an auto-charge from the bank registered as the auto-charge account for the user wallet.

Then, the payment processing unit 72 subtracts the credit card billing amount from the balance of the user wallet after the balance is charged. If there are multiple bank accounts linked to the user wallet, the payment processing unit 72 may charge the balance from a bank account selected by the user U or in accordance with the priority order set by the user U.

The payment processing unit 72 may also settle the credit card billing amount, for example, through a prepayment service. Specifically, the payment processing unit 72 may subtract the credit card billing amount from the balance of the user wallet at the time requested by the user U.

In addition, the payment processing unit 72 arranges for a transfer slip to be sent to the user when the credit card billing amount exceeds a specified threshold. Here, arranging a transfer slip means instructing the operator of the electronic payment business or the operator of the credit card company to send a transfer slip to user U. More specifically, the payment processing unit 72 associates a flag indicating that the settlement is to be made by a transfer slip with user U's billing data and stores it. The operator will refer to this data and send a transfer slip to user U.

The specified threshold is 1 million yen because the upper limit of the amount that electronic payment businesses can settle is set by law. In other words, if the credit card bill exceeds 1 million yen, a transfer slip is sent to user U, and settlement is made using the transfer slip.

The setting unit 73 sets auto-charge from a bank account linked to a user wallet to on for a user U who has selected the user wallet as a credit card settlement account. For example, the setting unit 73 identifies a user U who has selected the user wallet as a credit card settlement account based on a notification from the information processing device 1, and sets auto-charge for the user U to on.

Then, once the setting unit 73 has set the auto-charge for the user U to on, it will not allow the user U to change the auto-charge settings until the user U cancels the postpaid service or until a new bank account is registered as a withdrawal account for the postpaid service.

In other words, the setting unit 73 sets the auto-charge setting to always be on for user U who has selected the user wallet as the settlement account for the postpaid service. This makes it possible to avoid a situation in which a credit card settlement cannot be made due to an insufficient balance in the user wallet.

2-2. Example of the configuration of an information processing device
Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a block diagram showing a configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 5, the information processing device 1 has a communication unit 2, a storage unit 3, and a control unit 4.

The communication unit 2 is realized, for example, by a NIC (Network Interface Card) or the like. The communication unit 2 is connected to the network N by wire or wirelessly, and transmits and receives information between the communication unit 2 and the user terminal 100, etc.

The storage unit 3 is realized, for example, by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

The control unit 4 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using the RAM as a working area. The control unit 40 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 4 according to the embodiment has a reception unit 41, an acquisition unit 42, a proposal unit 43, a notification unit 44, and a settlement request unit 45, and realizes or executes the functions and actions of the information processing described below.

The reception unit 41 receives applications from users for linked services that are linked to a payment service. In this embodiment, the reception unit 41 receives applications for credit cards to be used as a deferred payment service for a payment app installed on the user terminal 100 of each user.

The reception unit 41 receives a credit card application made through the payment app via the payment server 200. That is, the reception unit 41 receives a credit card application from a user U who has logged in to the payment app and who has agreed to information provision from the payment server 200 to the information processing device 1.

For example, when the reception unit 41 receives an application for a credit card from the user U, it provides the user terminal 100 with a UI for inputting various information. For example, such UI includes a UI for registering the user U's place of employment, annual income, etc., a UI for selecting the design of the credit card, a UI for registering a withdrawal account, etc.

The acquisition unit 42 acquires identity verification information from the payment service regarding whether or not the user U has been verified by the payment service (e.g., the payment server 200). Specifically, the acquisition unit 42 acquires identity verification information for all users U who apply for a credit card from the payment service. At this time, the acquisition unit 42 may acquire information regarding whether or not the user U has registered a bank account in the user wallet of the payment service as identity verification information. In addition, for users U who have been verified and have registered a bank account in the user wallet, the acquisition unit 42 may also acquire information regarding the auto-charge setting of the user wallet (whether the auto-charge setting is on or off).

The suggestion unit 43 proposes to a user U whose identity has been verified, based on the identity verification information, to register a user wallet and a bank account for the payment service as a settlement account for a credit card, and proposes to a user U whose identity has not been verified, to register a bank account as a settlement account.

For example, the suggestion unit 43 suggests a settlement account to the user U on a credit card terms of use screen. FIG. 6 is a diagram showing an example of the terms of use screen according to the embodiment. As shown in FIG. 6, the terms of use screen displays a check box for accepting the user's consent to the terms of use and regulations regarding the credit card (postpaid service).

For example, when the proposal unit 43 proposes a user wallet and a bank account as settlement accounts for a credit card, the user U is presented with two options on the terms of use screen: "Agree to the above terms of use, etc. and settle with electronic money balance" and "Agree to the above terms of use, etc. and settle with bank account."

When user U selects "I agree to the above terms of use, etc. and will settle with my electronic money balance," the user wallet is set as the settlement account for the credit card, and when user U selects "I agree to the above terms of use, etc. and will settle with my bank account," a bank account registration screen is displayed on the user terminal 100.

The suggestion unit 43 may display only the bank account registration screen if the user U has already undergone identity verification but has not linked a bank account to the user wallet. In this case, the suggestion unit 43 may suggest linking a bank account to the user wallet. The "bank account registration screen" here refers to the registration screen for a bank account used as a credit card settlement account.

For users U who have not completed identity verification, the terms of use screen will only display "Agree to the above terms of use and settle with bank account." At this time, the terms of use screen may suggest that identity verification information be carried out for the payment service.

Returning to the explanation of FIG. 5, the notification unit 44 will be described. The notification unit 44 notifies the payment service of the suspension of changes to the auto-charge settings for a user who has registered a settlement account as a user wallet.

In addition, if the auto-charge setting for user U who has selected the user wallet as the settlement account is off, the notification unit 44 notifies the payment service to set the auto-charge setting to on. In addition, such a notification by the notification unit 44 may also be sent to user U.

In other words, for a user who has selected "Agree to the above terms of use, etc., and settle with electronic money balance" in FIG. 6, the notification unit 44 will request the payment service to stop changing the auto-charge setting. As a result, the auto-charge setting will be fixed to on at all times for the user wallet of a user who settles for a deferred payment service with the user wallet.

The settlement request unit 45 requests the server device (payment server 200) of the payment service to settle the billing amount of the user's credit card, whose settlement account is the user wallet, from the user wallet.

For example, the settlement request unit 45 obtains information about the credit usage status or the deferred payment service usage status of the payment service by user U via the network, and obtains information about the billing amount for user U's credit card based on these usage statuses.

Then, the settlement request unit 45 requests the payment server 200 to settle the credit card bill with the user wallet on the specified due date (credit card withdrawal date).

As a result, in the payment server 200, for user U who has set up a user wallet as a credit card settlement account, credit card settlement will be carried out using the user wallet.

In other words, credit card payments can be made through the user wallet without registering a bank account to the credit card, simplifying the process of registering a credit card.

3. Processing flow
Next, a process procedure executed by the information processing device 1 and the payment server 200 according to the embodiment will be described with reference to Fig. 7 and Fig. 8. Fig. 7 is a flowchart showing an example of a proposal process according to the embodiment. Fig. 8 is a flowchart showing an example of a payment process according to the embodiment.

First, the process flow of the proposal process according to the embodiment will be described with reference to FIG. 7. Note that the proposal process is executed by the information processing device 1. As shown in FIG. 7, first, the information processing device 1 accepts an application for a credit card from a user U (step S101).

Next, the information processing device 1 acquires identity verification information of the user U from the payment server 200 (step S102). Next, the information processing device 1 determines, based on the identity verification information, whether or not a bank account has been registered in the user wallet opened in the payment service (step S103).

When the information processing device 1 determines that a bank account has been registered in the user wallet (step S103; Yes), it determines whether the user wallet with the registered bank account can be set up for auto-charge (step S104).

If the information processing device 1 determines that auto-charge can be set (step S104; Yes), it proposes a user wallet and a bank account as settlement accounts for the credit card (step S105) and terminates the process.

In addition, if the information processing device 1 determines in step S103 that a bank account has not been registered in the user wallet (step S103; No), or if the information processing device 1 determines in step S104 that auto-charge settings are not possible (step S104; No), it proposes a bank account as a settlement account for the credit card (step S106) and terminates the process.

Next, the process flow of the payment process according to the embodiment will be described with reference to FIG. 8. The payment process is executed by the payment server 200. As shown in FIG. 8, when the payment server 200 receives a payment request for a credit card payment from the information processing device 1 (step S201), the payment server 200 determines whether or not the user wallet needs to be topped up (step S202).

If the payment server 200 determines that the user wallet needs to be topped up (step S202; Yes), it requests the bank server to top up (step S203). Next, the payment server 200 withdraws the credit card bill from the user wallet (step S204).

Then, on the specified date, the payment server 200 transfers the amount debited from each user wallet to the credit card company (step S205) and ends the process.

If the payment server 200 determines in step S202 that charging to the user wallet is not necessary (step S202; No), it skips step S203 and proceeds to step S204.

4. Modifications
In the above embodiment, the linked service is a service that links an electronic payment service with a credit card, but the present invention is not limited to this. For example, the linked service may be a service that links a credit card with a portal site. In this case, the linked service may be a service that sets the payment on the portal site to be a credit card payment.

Also, for example, the linked service may be a service that links a credit card with a securities account or a virtual currency wallet. For example, a specific example of a linked service in this case is a service that allows automatic savings of securities or virtual currency to be paid with a credit card.

In addition, in the above embodiment, the payment service is a service related to credit cards, and the specified service is a service related to electronic money payments, but this is not limited to the above.

In other words, any payment service can be set as a means of payment for other services, and electronic money payment may be the payment service. The linked service may also be a service that links electronic money payment, which is a payment service, to a payment application unique to each affiliated store. In this case, the payment service unique to each affiliated store can be considered to be the specified service.

5. Effects
The information processing device 1 according to the embodiment described above includes a reception unit 41 that receives a credit card application from a user via a payment service, an acquisition unit 42 that acquires from the payment service identity verification information regarding whether the user has been identified by the payment service, and a proposal unit 43 that, based on the identity verification information, proposes to a user who has been identified, registering a user wallet or a bank account of the payment service as a credit card settlement account, and proposes to a user who has not been identified, registering a bank account as a settlement account.

The proposal unit 43 also proposes the user wallet as a settlement account to a user who can set up auto-charge, which transfers funds from the user's bank account to the user wallet, in the payment service.

The information processing device 1 also includes a notification unit 44 that notifies the server device of the payment service of the suspension of setting changes for a user who has set a settlement account as a user wallet based on the proposal result by the proposal unit 43.

The information processing device 1 also includes a settlement request unit 45 that requests the server device of the payment service to settle the billing amount for the user's credit card, whose settlement account is a user wallet, from the user wallet.

The payment server 200 according to the embodiment also includes an acquisition unit 71 that acquires a notification regarding the billing amount for the user's credit card, and a payment processing unit 72 that settles the billing amount from the user wallet, which is the user's electronic money account, based on the notification regarding the billing amount acquired by the acquisition unit 71.

In addition, if the billing amount exceeds the balance of the user wallet, the payment processing unit 72 requests a balance charge to be made to the bank account linked to the user wallet, and settles the billing amount with the user wallet after the balance is charged.

In addition, when multiple bank accounts are linked to a user wallet, the payment processing unit 72 selects the bank account to charge the balance to based on the priority set by the user or the user's selection.

If the billing amount exceeds a predetermined threshold, the payment processing unit 72 prepares a transfer slip to be sent to the user. Based on the user's request, the payment processing unit 72 also settles the billing amount from the user wallet before withdrawing from the credit card.

The payment server 200 also includes a setting unit 73 that turns on auto-charge from a bank account linked to a user wallet for a user who has selected the user wallet as a credit card settlement account.

By using any one or a combination of the above-mentioned processes, the information processing device and payment server according to the present application can provide an electronic payment service that can be used with simpler procedures.

6. Hardware Configuration
The information processing device 1 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 1 according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a HDD 1400, a communication interface (I/F) 1500, an input/output interface (I/F) 1600, and a media interface (I/F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400, and controls each component. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, and programs that depend on the hardware of the computer 1000, etc.

HDD 1400 stores programs executed by CPU 1100 and data used by such programs. Communication interface 1500 receives data from other devices via network (communication network) N and sends it to CPU 1100, and transmits data generated by CPU 1100 to other devices via network N.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 9, the output devices and input devices are collectively referred to as "input/output devices") via the input/output interface 1600. The CPU 1100 acquires data from the input devices via the input/output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input/output interface 1600.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

For example, when the computer 1000 functions as the information processing device 1 according to the embodiment, the CPU 1100 of the computer 1000 executes programs loaded onto the RAM 1200 to realize the functions of the control unit 40. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the disclosure section of the invention.

[7. Other]
Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

The above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

Reference Signs List 1 Information processing device 2 Communication unit 3 Storage unit 4 Control unit 5 Communication unit 6 Storage unit 7 Control unit 40 Control unit 41 Acceptance unit 42 Acquisition unit 43 Proposal unit 44 Notification unit 45 Settlement request unit 61 User information storage unit 71 Acquisition unit 72 Payment processing unit 73 Setting unit 100 User terminal 200 Payment server U User

The present invention relates to an information processing device , an information processing method , and an information processing program .

Claims (15)

a reception unit that receives credit card applications from users via a payment service;
an acquisition unit that acquires identity verification information regarding whether the user has been verified by the payment service from the payment service;
and a suggestion unit that suggests, based on the identity verification information, to the user whose identity has been verified, to register a user wallet or a bank account of the payment service as a settlement account for the credit card, and suggests, based on the identity verification information, to the user whose identity has not been verified, to register a bank account as the settlement account. The suggestion unit,
The information processing device according to claim 1 , wherein the user wallet is proposed as the settlement account to a user for whom the payment service allows for auto-charge settings in which a balance is charged to the user wallet from a bank account linked to the user wallet. 3. The information processing device according to claim 2, further comprising a notification unit that notifies the server device of the settlement service to turn on the auto-charge setting for the user who has set the settlement account in the user wallet. The notification unit is
4. The information processing device according to claim 3, wherein the server device is notified not to change the auto-charge function from on to off during a period in which the user has set the settlement account as the user wallet. 2. The information processing device according to claim 1, further comprising a settlement request unit that requests the server device of the settlement service to settle the billing amount of the credit card of the user, whose settlement account is the user wallet, from the user wallet. an acquisition unit for acquiring a notification regarding a user's credit card bill;
a payment processing unit that settles the billing amount with a user wallet, which is the user's electronic money account, based on the notification regarding the billing amount acquired by the acquisition unit. The settlement server according to claim 6, further comprising a setting unit that sets on auto-charge from a bank account linked to the user wallet for a user who has registered the user wallet as a settlement account for the credit card. The payment processing unit,
The settlement server according to claim 6, characterized in that, when the billing amount exceeds the balance of the user wallet, a request is made to top up the balance of a bank account linked to the user wallet, and the billing amount is settled with the user wallet after the balance is topped up. The payment processing unit,
The payment server according to claim 8, wherein when a plurality of bank accounts are linked to the user wallet, the payment server selects the bank account to which the balance is to be charged based on a priority set by a user or a selection made by the user. The payment processing unit,
The settlement server according to claim 6, further comprising: a payment server that, when the billed amount exceeds a predetermined threshold, arranges for a transfer slip to be sent to the user. The payment processing unit,
The settlement server according to claim 6, wherein the billing amount is settled from the user wallet before the credit card is debited based on a request from the user. 1. A computer-implemented information processing method, comprising:
an acceptance process for accepting a credit card application from a user via a payment service;
an acquisition step of acquiring identity verification information from the payment service regarding whether the user has been verified by the payment service;
and a proposal process for proposing, based on the identity verification information, to the user whose identity has been verified, to register a user wallet or a bank account of the payment service as a settlement account for the credit card, and for proposing, based on the identity verification information, to the user whose identity has not been verified, to register a bank account as the settlement account. A procedure for accepting a credit card application from a user via a payment service;
an acquisition step of acquiring identity verification information from the payment service regarding whether the user has been verified by the payment service;
and a proposal step of proposing to the user whose identity has been verified that the user should register a user wallet or a bank account of the payment service as a settlement account for the credit card based on the identity verification information, and proposing to the user whose identity has not been verified that the user should register a bank account as the settlement account. 1. A computer implemented payment method comprising:
obtaining notification of a charge to a user's credit card;
a payment processing step of settling the billed amount with a user wallet, which is an electronic money account of the user, based on the notification regarding the billed amount by the obtaining step. a retrieval step for retrieving a notification of a charge on a user's credit card;
and a payment processing step of settling the bill amount with a user wallet, which is an electronic money account of the user, based on the notification regarding the bill amount by the acquisition step.

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