JP6802896B1 - Terminal, information processing method, program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to easily withdraw cash by using an electronic money service. SOLUTION: The first aspect is a first receiving means for accepting registration of accounts of a plurality of financial institutions as candidates for charging electronic money, and an account of the plurality of financial institutions registered by accepting a target amount. A second reception means that accepts the selection of the account of the target financial institution for charging the target amount of the electronic money from the inside and withdrawing the target amount of the electronic money from the cash machine, and the withdrawal instruction. , The target amount is charged to the electronic money from the account of the target financial institution in response to the selection of the target amount, the account of the target financial institution, and the withdrawal instruction. It is a terminal provided with a display means for displaying information for withdrawing an amount of money from the automated teller machine. [Selection diagram] Fig. 1

Description

The present disclosure relates to terminals, information processing methods, and programs.

In recent years, services that realize electronic money management of terminals or terminal users and payments using electronic money are becoming widespread by applications that can be executed on terminals such as smartphones. For example, Patent Document 1 discloses a technique for settling the purchase price of a product.

Japanese Unexamined Patent Publication No. 2002-176671

With the conventional technology, there is a problem that withdrawal from an account of a financial institution by an automated teller machine (ATM) or the like cannot be smoothly realized as an electronic money service.

The present invention has been made in view of such a problem, and an object of the present invention is to enable a user to easily withdraw cash by using an electronic money service.

The first aspect of the present invention is the first receiving means for accepting the registration of accounts of a plurality of financial institutions as candidates for charging electronic money, and the accounts of the plurality of financial institutions registered by accepting the target amount. The second reception means for receiving the selection of the account of the target financial institution for charging the electronic money with the target amount and withdrawing the target amount of the electronic money from the cash machine and the withdrawal instruction. In response to the selection of the target amount, the account of the target financial institution, and the withdrawal instruction, the target amount is charged to the electronic money from the account of the target financial institution, and the charged target amount is charged. It is a terminal provided with a display means for displaying information for withdrawing from the cash machine.

The figure which shows an example of the structure of the communication system in one aspect of Embodiment. The figure which shows an example of the function which is realized by the control part of the server which concerns on Example. The figure which shows an example of the information which is stored in the storage part of the server which concerns on Example. The figure which shows an example of payment application user registration data which concerns on embodiment. The figure which shows an example of the affiliated bank data which concerns on an Example. The figure which shows an example of the data structure of the user management database which concerns on Example. The figure which shows an example of the function which is realized by the control part of the terminal which concerns on Example. The figure which shows an example of the information which is stored in the storage part of the terminal which concerns on Example. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on a modification. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on a modification. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on a modification. The flowchart which shows an example of the flow of processing executed by each apparatus which concerns on embodiment. The flowchart which shows an example of the flow of processing executed by each apparatus which concerns on embodiment. The flowchart which shows an example of the flow of processing executed by each apparatus which concerns on embodiment. The flowchart which shows an example of the flow of processing executed by each apparatus which concerns on embodiment.

<Compliance with legal matters>
It should be noted that the disclosures described herein are premised on compliance with the legal matters of the implementing country necessary for the implementation of this disclosure, such as secrecy of communications.

An embodiment for realizing the method according to the present disclosure will be described with reference to the drawings.

[System configuration]
FIG. 1 is a diagram showing an example of the configuration of the communication system 1 according to the embodiment of the present disclosure.
As disclosed in FIG. 1, in the communication system 1, the server 10, the terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) And the bank server 40 (bank server 40A, bank) are provided via the network 30. The server 40B, the bank server 40C, ...) And the ATM50 (ATM50A, ATM50B, ATM50C, ...) Are connected.

The server 10 provides a predetermined service to the terminal 20 owned by the user via the network 30. Specifically, as an example but not a limitation, the server 10 provides services related to the deposit balance inquiry, withdrawal of the deposit balance, deposit, and the like of the terminal 20 or the user of the terminal 20.
The number of terminals 20 connected to the network 30 is not limited.

The network 30 plays a role of connecting one or more terminals 20, one or more servers 10, one or more bank servers 40, and one or more ATMs 50. That is, the network 30 means a communication network that provides a connection route so that data can be transmitted and received after the above-mentioned various devices are connected.

One or more parts of the network 30 may or may not be a wired or wireless network. The network 30 is not limited, but by example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (wireless LAN: WLAN), wide area network (WAN), wireless WAN (wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public exchange telephone network (Public) Switched Telephone Network: Part of PSTN, mobile network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (Bluetooth (registered trademark)), satellite It can include communications, etc., or a combination of two or more of these. The network 30 may include one or more networks 30.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (Not limited, but an example of a terminal and an information processing device) is any information processing terminal capable of realizing the functions described in each embodiment. It may be a terminal. The terminal 20 is not limited, but by example, a smartphone, a mobile phone (feature phone), a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set). Topboxes, digital video recorders), handheld computer devices (not limited, but personal digital assistants, email clients, etc.), wearable devices (glasses devices, watch devices, etc.), or other types of computers , Or includes a communication platform. Further, the terminal 20 may be expressed as an information processing terminal.

Since the configurations of the terminal 20A, the terminal 20B, and the terminal 20C are basically the same, the terminal 20 will be described in the following description. The user information is user information associated with an account used by the user in a predetermined service. User information is not limited, but as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's taste. It includes information associated with the user, such as preference, user identifier, and may or may not be any one or combination of these.

The server 10 (not limited to an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20. The server 10 may be any device as long as it is an information processing device that can realize the functions described in each embodiment. The server 10 is not limited, but by example, a server device, a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set top box, a digital video recorder). ), Handheld computer devices (for example, but not limited to PDAs, email clients, etc.), or other types of computers, or communication platforms. Further, the server 10 may be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be expressed as information processing devices, respectively.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW configuration of the terminal FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I / F 22 (interface), an input / output unit 23, a display unit 24, a microphone 25, a speaker 26, and a camera 27. Be prepared. Each component of the HW of the terminal 20 is connected to each other via bus B as an example, but not a limitation. It is not essential that the HW configuration of the terminal 20 includes all the components. As an example, but not limited to, the terminal 20 may or may not be configured to remove individual components, such as the microphone 25, camera 27, or a plurality of components.

The communication I / F 22 transmits / receives various data via the network 30. Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 22 has a function of executing communication with various devices such as the server 10 via the network 30. The communication I / F 22 transmits various data to various devices such as the server 10 according to an instruction from the control unit 21. Further, the communication I / F 22 receives various data transmitted from various devices such as the server 10 and transmits the various data to the control unit 21. Further, the communication I / F 22 may be simply expressed as a communication unit. Further, when the communication I / F 22 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input / output unit 23 includes a device for inputting various operations to the terminal 20 and a device for outputting the processing result processed by the terminal 20. The input / output unit 23 may or may not be integrated with the input unit and the output unit, or may be separated into the input unit and the output unit.

The input unit is realized by any or a combination of all kinds of devices capable of receiving input from the user and transmitting information related to the input to the control unit 21. The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via a moving image), and a microphone (operation input by voice).

The output unit is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 21. The output unit includes, for example, a touch panel, a touch display, a speaker (audio output), a lens (three dimensions output, a hologram output, for example, not limited), a printer, and the like.

The display unit 24 is realized by any or a combination of all kinds of devices capable of displaying according to the display data written in the frame buffer. The display unit 24 includes a touch panel, a touch display, a monitor (not a limitation but an example, a liquid crystal display or an OELD (organic electroluminescence display)), a head mounted display (HDM), a projection mapping, and a hologram. , Includes a device capable of displaying images, text information, etc. in the air (which may or may not be vacuum). It should be noted that these display units 24 may or may not be able to display display data in 3D.

When the input / output unit 23 is a touch panel, the input / output unit 23 and the display unit 24 may be arranged so as to face each other with substantially the same size and shape.

The control unit 21 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by. Therefore, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 is not limited, but as an example, a central processing unit (CPU), a microprocessor (microprocessor), a processor core (processor core), a multiprocessor (multiprocessor), an ASIC (application-specific integrated circuit), and an FPGA (field programmable). gate array) is included.

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), and ROM (read only memory) as examples without limitation. Further, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28, and by executing the program P, the control unit 21 executes the processing as each unit included in the control unit 21. That is, the program P stored in the storage unit 28 causes the terminal 20 to realize each function executed by the control unit 21. Further, this program P may or may not be expressed as a program module.

The microphone 25 is used for inputting voice data. The speaker 26 is used for outputting audio data. The camera 27 is used for acquiring moving image data.

(2) HW configuration of the server FIG. 1 shows an example of the HW configuration of the server 10.
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I / F 14 (interface), an input / output unit 12, and a display 13. Each component of the HW of the server 10 is connected to each other via the bus B as an example, but not a limitation. The HW of the server 10 does not necessarily include all the components as the configuration of the HW of the server 10. As an example, but not limited to, the HW of the server 10 may or may not be configured to remove the display 13.

The control unit 11 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by.

The control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA. In the present disclosure, the control unit 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data required for the server 10 to operate. The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. Further, the storage unit 15 may or may not be expressed as a memory.

The communication I / F 14 transmits / receives various data via the network 30. Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 14 has a function of executing communication with various devices such as a terminal 20 via the network 30. The communication I / F 14 transmits various data to various devices such as a terminal 20 according to an instruction from the control unit 11. Further, the communication I / F 14 receives various data transmitted from various devices such as the terminal 20 and transmits the various data to the control unit 11. Further, the communication I / F 14 may be simply expressed as a communication unit. Further, when the communication I / F 14 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input / output unit 12 is realized by a device that inputs various operations to the server 10. The input / output unit 12 is realized by any or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 11. The input / output unit 12 is typically realized by a hardware key typified by a keyboard or the like, or a pointing device such as a mouse. The input / output unit 12 is not limited to the input / output unit 12, and may or may not include a touch panel, a camera (operation input via a moving image), and a microphone (operation input by voice) as an example. However, in the present disclosure, the input / output unit 12 is not limited to these.

The display 13 is typically realized by a monitor (not limited to, for example, a liquid crystal display or an OELD (organic electroluminescence display)). The display 13 may or may not be a head-mounted display (HDMI) or the like. It should be noted that these displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, the display 13 is not limited to these.

(3) ATM configuration The ATM (automatic teller machine) 50 (not limited, but an example of an automated teller machine) includes a control unit (CPU), storage unit, card reader, deposit / withdrawal machine, input / output unit, display, and speaker. , A communication I / F (interface) is provided. Each component of the HW of the ATM 50 is connected to each other via bus B as an example, but not a limitation.

The input / output unit is realized by a device that inputs various operations to the ATM 50. The input / output unit is realized by any or a combination of all kinds of devices capable of receiving input from the depositor and transmitting information related to the input to the control unit. The input / output unit is typically realized by a touch panel or a button.

The display is typically realized by a monitor (not limited to, for example, a liquid crystal display or OELD). The display shows a list of services that can be provided to depositors (for example, deposits, withdrawals (refunds), transfers, passbooks, etc.) according to instructions from the control unit, and the operation details required to provide the services. Is displayed. When the input / output unit is a touch panel, the input / output unit and the display may be arranged so as to face each other with substantially the same size and shape. The speaker is used to output a voice for notifying the progress of the operation and a reaction sound emitted in response to the operation for the input / output unit.

The card reader reads the content recorded on the magnetic stripe from the cash card having the magnetic stripe inserted by the depositor, and transmits the read content to the control unit. The deposit / withdrawal machine discharges the cash accumulated in the ATM main body to the cash outlet of the ATM main body according to the instruction from the control unit. In addition, the deposit / withdrawal machine accumulates the cash inserted into the cash slot inside the ATM body in accordance with the instruction from the control unit. The cash outlet and the cash slot may be realized by the same device.

The control unit, storage unit, and communication I / F of the ATM 50 are not limited, and can be the same as the control unit, storage unit, and communication I / F of the server 10, respectively, and thus the description thereof will be omitted. In addition, the ATM main unit (not shown) equipped with a card reader, deposit / withdrawal machine, input / output unit, display, and speaker, and the ATM operation server (not shown) equipped with a control unit, storage unit, and communication I / F are separate. It may or may not be installed as a body.

(4) Others The HW configuration of the bank server 40 and the parts and circuits constituting each functional unit are not limited, but can be configured in the same manner as the server 10 and the ATM 50, and thus the description thereof will be omitted.

The server 10 stores the program P in the storage unit 15, and by executing the program P, the control unit 11 executes the processing as each unit included in the control unit 11. That is, the program P stored in the storage unit 15 causes the server 10 to realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each embodiment of the present disclosure, it will be described as being realized by executing the program P by the CPU of the terminal 20 and / or the server 10.
The same applies to other devices.

The control unit 21 of the terminal 20 and / or the control unit 11 of the server 10 is formed not only in a CPU having a control circuit but also in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like. Each process may or may not be realized by a logic circuit (hardware) or a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same applies to other devices.

Further, the program P (for example, a software program, a computer program, or a program module) of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. It does not have to be done. The storage medium can store the program P in a "non-temporary tangible medium". Further, the program P may or may not be for realizing a part of the functions of each embodiment of the present disclosure. Further, it may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with the program P already recorded on the storage medium.

The storage medium is one or more semiconductor-based or other integrated circuits (ICs) (such as, but not limited to, field programmable gate arrays (FPGAs) or application-specific ICs (ASICs)), hardware. Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid It can include a drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or any suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. The storage medium is not limited to these examples, and any device or medium may be used as long as the program P can be stored. Further, the storage medium may or may not be expressed as a memory.

The server 10 and / or the terminal 20 can read the program P stored in the storage medium and execute the read program P to realize the functions of the plurality of functional units shown in each embodiment.
The same applies to other devices.

Further, the program P of the present disclosure may or may not be provided to the server 10 and / or the terminal 20 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. .. The server 10 and / or the terminal 20 realizes the functions of the plurality of functional units shown in each embodiment by executing the program P downloaded via the Internet or the like, as an example without limitation.
The same applies to other devices.

In addition, each embodiment of the present disclosure can also be realized in the form of a data signal in which the program P is embodied by electronic transmission.
At least part of the processing in the server 10 and / or the terminal 20 may or may not be realized by cloud computing composed of one or more computers.
At least a part of the processing in the terminal 20 may or may not be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the server 10.
At least a part of the processing in the server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 may or may not be performed by the terminal 20.
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. It may or may not be.

The program of this disclosure is not limited to, but examples include scripting languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Implemented using.

<Example>
In recent years, as applications related to network services (application software), applications such as electronic payment applications using electronic money (payment applications), electronic money transfer applications (money transfer applications), and some functions of these applications. Alternatively, applications such as payment applications that integrate all functions are becoming widespread, and users of the terminal 20 can receive various services related to electronic money by using these applications.

The embodiments described below are not limited to, but as an example, the user of the terminal 20 has an account in a bank (hereinafter, referred to as a “bank account”), and the user has a desired amount of money from his / her bank account. A service for withdrawing cash from the ATM 50 (a service for the user to withdraw cash from the ATM 50) (hereinafter, also referred to as a "withdrawal service") is provided by performing an operation of withdrawing cash to the ATM 50 on the terminal 20 and the ATM 50. It is an embodiment provided. In the following, a business operator that provides a withdrawal service is also referred to as a “withdrawal service business operator”. In addition, the user may or may not be expressed as a depositor. In addition, having the ATM 50 withdraw cash through the withdrawal service is also referred to as "ATM withdrawal".

The business operator of the withdrawal service may or may not be expressed as the business operator of the payment application or the business operator of the server 10. Further, the depositor's account may be an account associated with the depositor or an account associated with the depositor's terminal 20. Hereinafter, these are also collectively referred to as "depositor's account".

Further, in the present embodiment, it is assumed that various services including the withdrawal service are provided in the payment application, and the server 10 is operated and managed by the remittance service provider. In the following, as an example, the name of the payment application will be referred to as "Payment App" to be illustrated and described.

Further, in this embodiment, as an example, not limited to, the banks affiliated with the withdrawal service provider are shown as "affiliated bank B1", "affiliated bank B2", ... In FIG. ..

In this embodiment, the "electronic money" is electronic money that is distinguished from physical money, and is electronic money owned by the terminal 20 or the user of the terminal 20 managed in the payment application. Electronic money may or may not be expressed as "electronic money".

Further, the "API" in this embodiment is not limited, but as an example, when data is transmitted to a program component published by a bank server 40 or the like in order to make a function related to a withdrawal service available on the server 10. The data structure of the above and the instruction method when processing with the program component are described. This includes, but is not limited to, an example, a data structure, an instruction method, and the like for receiving information about a depositor's account from the bank server 40 and transmitting an instruction for remittance of electronic money to the bank server 40.

<Functional configuration>
(1) Functional Configuration of Server FIG. 2-1 is a diagram showing an example of a function realized by the control unit 11 of the server 10 in this embodiment.
The control unit 11 includes a payment application management processing unit 111 as a main functional unit, but not as a limitation.

The payment application management processing unit 111 has a function of executing a payment application management process for managing data and the like related to the payment application executed on the terminal 20 according to the payment application management processing program 151 stored in the storage unit 15. There is.

The payment application management processing unit 111 is not limited to, but as an example, executes a balance inquiry service management processing unit 1111 that executes a process for providing and managing a balance inquiry service, and a process for providing and managing a withdrawal service. The withdrawal service management processing unit 1112 is included as a functional unit.

The balance inquiry service is a service for inquiring the balance of a depositor's bank account (hereinafter referred to as "bank account balance") using a payment application.
The withdrawal service is a service for withdrawing (withdrawing) the depositor's bank account balance from the ATM 50 in cash using a payment application.

The balance inquiry service management processing unit 1111 manages the transmission and reception of information by the balance inquiry service as an example but not a limitation. Specifically, the balance inquiry service management processing unit 1111 is not limited, but as an example, in the balance inquiry service, the bank account balance and the bank account balance selected by the instruction of the terminal 20 or the user's account of the terminal 20 specified by the identifier. Information such as transaction history is acquired from the bank server 40 via the API provided by the affiliated bank, and the information is transmitted to the terminal 20.

The withdrawal service management processing unit 1112 manages withdrawal of cash by the withdrawal service as an example but not a limitation. Specifically, the withdrawal service management processing unit 1112 is not limited, but as an example, transfers the electronic money to the electronic money account via the API according to the instruction of the terminal 20 or the user's account of the terminal 20 specified by the identifier. (Account transfer) is requested to the bank server 40, and the server 10 sends information on the withdrawal (withdrawal) amount to the ATM 50 to withdraw cash from the ATM 50.

FIG. 2-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in this embodiment.
In addition to the server main processing program executed as the main processing of the server 10, the storage unit 15 stores, as an example, not limited to, the payment application management processing program 151 executed as the payment application management processing.
The payment application management processing program 151 includes a partner bank service management processing program 1511 executed as a balance inquiry service management processing and a withdrawal service management processing as a subroutine program.

Further, the storage unit 15 stores payment application user registration data 153, affiliated bank data 154, and user management database 155.

The payment application user registration data 153 is registration data of the terminal 20 or the user of the terminal 20 who uses the service by the payment application, and an example of the data structure is shown in FIG. 2-3.
In the payment application user registration data 153, as an example, the user name, the terminal telephone number, the terminal email address, the payment application ID, the authentication password, and other registration information are stored in association with each other.

The user name is the name of the user of the terminal 20 who uses the service by the payment application, and is not limited, but as an example, the name registered when the user of the terminal 20 first uses the payment application is stored.

The terminal telephone number is the telephone number of the terminal 20 of the user with this user name, and the telephone number of the terminal 20 first registered when the user of the terminal 20 uses the payment application is stored as an example without limitation. ..
The terminal e-mail address is the e-mail address of the terminal 20 of the user with this user name, and is not limited, but as an example, the e-mail address of the terminal 20 that the user of the terminal 20 first registers when using the payment application is stored. ..
The terminal telephone number and the terminal e-mail address are examples of identification information for identifying the terminal 20 (hereinafter, also referred to as "terminal identification information").

The payment application ID is an ID that functions as identification information for identifying the terminal 20 or the user of the terminal 20, and is uniquely set by the server 10 for each terminal 20 or the user of the terminal 20 that uses the payment application. It is an ID.

The authentication password is an authentication password that requires input from the terminal 20 in the authentication process executed when using various functions provided as functions of the payment application on the terminal 20 of the user with this user name. As an example, not a limitation, the password set by the user is stored.

The other registration information is other registration information of the user with this user name, and is not limited to the information such as the user icon image which is the image data of the icon used by the user in the payment application.

The various user information described above may be stored and managed by the server 10 as user information common to other applications that can be provided by the server 10 and the payment application, or may be stored and managed by the server 10 as another user information. It may be stored and managed by.

The affiliated bank data 154 is the management data of the affiliated bank, and an example of the data structure is shown in FIG. 2-4.
In the affiliated bank data 154, as an example, the affiliated bank ID, the affiliated bank name, the affiliated bank server URI, and other affiliated bank information are stored in association with each other.

The affiliated bank ID is an ID that functions as identification information for identifying the affiliated bank, and stores an ID that is uniquely set for each affiliated bank by the server 10.

The name of the affiliated bank described above (for example, the trade name, nickname or common name of the affiliated bank, etc.) is stored in the affiliated bank name.

In the affiliated bank server URI, an URI (Uniform Resource Identifier) including an access method and an access destination to the bank server 40 managed by the affiliated bank is stored.

The other affiliated bank information is other registration information of the affiliated bank having this affiliated bank ID, and is not limited but, as an example, the affiliated bank icon which is the image data of the icon symbolizing the affiliated bank used in the payment application. This includes information such as images and card design images, which are image data that imitate the appearance of cash cards of affiliated banks.

In the following, it will be described that there are two types of card design images, a large size image and a small size image. For convenience, a large size image is referred to as a "large size cash card image" and a small size image is referred to as a "small size cash card image".

In this embodiment, the server 10 manages the electronic money of the terminal 20 or the user of the terminal 20 by an electronic money account (hereinafter, referred to as an "electronic money account"). The balance of electronic money in an electronic money account is referred to as the "balance of the electronic money account".

In this embodiment, it will be described that there are three deposits and withdrawals of electronic money (more specifically, the balance of the electronic money account) of the electronic money account: "charge", "withdrawal", and "transfer". ..

"Charge" is an affiliated bank, and transfers cash from a bank account managed by the bank server 40 of a bank registered in the server 10 as a bank used by the user of the terminal 20 to the server 10 and transfers the cash account. As a result, it means that the electronic money (specifically, the balance of the electronic money account) of the electronic money account is replenished (increased).

The user's electronic money account managed by the server 10 can be associated with one or more bank accounts of that user, and the user of the terminal 20 uses the bank account balance as an example, but not a limitation, electronically. You can charge (deposit) electronic money to your money account. As an example, not a limitation, when the user performs an operation of selecting "10,000 yen" as the charge amount of electronic money using the terminal 20, the server 10 adds "10" to the balance of the electronic money account of the user. Add "1,000 yen".

The "withdrawal" is an affiliated bank, and the affiliated bank or its affiliated bank using the bank account balance of the bank account managed by the bank server 40 of the bank registered in the server 10 as the bank used by the user of the terminal 20. This is a function to withdraw cash from ATM50 managed by a bank different from the affiliated bank. The withdrawal in this embodiment can also be expressed as "ATM withdrawal" or "ATM withdrawal".

An overview of the flow for realizing withdrawals via electronic money will be explained. As an example, not a limitation, when the user performs an operation of withdrawing "10,000 yen" from the bank account used by the user using the terminal 20, the server 10 communicates with the bank server 40. "10,000 yen" is subtracted from the user's bank account balance, and "10,000 yen" is temporarily added to the user's electronic money account balance. Then, the server 10 communicates with the ATM 50, causes the ATM 50 to pay out 10,000 yen in cash, and subtracts "10,000 yen" from the balance of the user's electronic money account.

The "transfer" is a bank account managed by the bank server 40 of a bank that is a partner bank and is registered in the server 10 as a bank used by the user of the terminal 20, and is a bank account different from the bank account. This is a function for transferring funds to the bank account of a partner bank registered in the server 10 via electronic money.

The outline of the flow that realizes the transfer via electronic money will be explained. As an example, not limited to, when the user performs an operation of transferring "10,000 yen" from the bank account used by the user to the target account by using the terminal 20, the server 10 becomes the bank server 40. By communicating, "10,000 yen" is subtracted from the user's bank account balance, and "10,000 yen" is temporarily added to the user's electronic money account balance. Then, the server 10 communicates with the bank server 40 managed by the affiliated bank having the target account, adds "10,000 yen" to the target account balance, and from the user's electronic money account balance. Subtract "10,000 yen".

The money managed in a bank account is not limited, but can be expressed as digital money (digital currency) in the sense of money managed by digital information.

The user management database 155 is a database that stores management data related to users registered in the payment application user registration data 153, and an example of the data structure is shown in FIG. 2-5.
In the user management database 155, user management data is stored as management data for each payment application ID stored in the payment application user registration data 153.

Each user management data stores, as an example, not limited to, a payment application ID, an electronic money account balance, and affiliated bank authentication data.

The electronic money account balance is the amount of the balance of the electronic money account of the user of this payment application ID.

In the affiliated bank authentication data, the bank ID, the bank name, and the access token are stored in association with each other, for example, without limitation.

In the bank ID, the affiliated bank ID of the affiliated bank in which the user of the payment application ID has an account, which is registered by the registration operation of the user, is stored. The details of this registration operation will be described later.

In the bank name, the name of the affiliated bank having the above-mentioned bank ID (for example, the trade name, nickname or common name of the affiliated bank, etc.) is stored.

The access token is authentication data issued by the bank server 40 managed by the affiliated bank having the above bank ID. In this embodiment, the server 10 uses the access token given by the bank server 40 to acquire information on the account balance of the user of the payment application ID, and transfers electronic money from the affiliated bank account to the electronic money account. The process of transferring money can be performed with the bank server 40.

The configuration is not limited to a configuration in which one access token is associated with one bank ID, and a configuration in which two or more access tokens are associated with one bank ID may or may not be used. May be good. When two or more access tokens are associated with one bank ID, the access token for inquiring the account balance and the access token for transferring electronic money are associated with one bank ID, but not as a limitation. An access token can be set for each purpose so as to associate with. As a result, access to the bank server 40 of the server 10 can be permitted for each purpose. Further, the user can be allowed to select the permission or disapproval of the inquiry of the account balance by the server 10, and the user can be selected to permit or disallow the transfer of electronic money by the server 10.

(2) Functional Configuration of Terminals FIG. 2-6 is a diagram showing an example of functions realized by the control unit 21 of the terminal 20 in this embodiment.
The control unit 21 includes a payment application processing unit 211 as a main functional unit, but not as a limitation.

The payment application processing unit 211 has a function of performing processing based on various functions of the payment application according to the payment application program 282 stored in the storage unit 28.

FIG. 2-7 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
The storage unit 28 stores, as an example, not limited to, the terminal main processing program 281 executed as the terminal main processing, the payment application program 282 executed as the payment application processing, and the payment application data 283.
The payment application in the text means this payment application program 282. The payment application may be provided as a single application having no messaging service (MS) function, or may be provided as a complex application having an MS function.

The payment application data 283 is data for realizing various functions of the payment application, and includes, but is not limited to, the payment application ID data 2831 which is the data of the payment application ID.

<Display screen example>
The card registration service, balance inquiry service, withdrawal service, and the like in this embodiment will be described with reference to display screen examples. Further, in this embodiment, a case where the terminal 20 is a smartphone having a vertically long display that functions as a display unit 24 will be described.

As an example, not limited to a smartphone, a touch panel that functions as an input unit is arranged so as to face the display. When an element such as an icon, button, item, or input field is displayed on the display, if the user touches a part of the touch panel area that faces the area where the element is displayed, the area is touched. The program associated with the element or the subroutine of that program is executed. Hereinafter, the area of the touch panel facing the area where the element is displayed on the display is also referred to as a facing area. That is, the facing region functions as a receiving means.

(1) Terminal Display Screen FIG. 3-1 is a diagram showing an example of an application screen displayed on the display unit 24 in the payment application executed on the terminal 20. This application screen is an example of a screen displayed when the operation to start the payment application is performed by the user and the payment application is started.

In this embodiment, on this application screen, "Payment App", which is the application name of the payment application, is displayed in the title bar at the top. At the bottom of the title bar, the current position in the hierarchical menu of "Payment App" is displayed. Specifically, the "wallet main menu", which is the highest-level menu currently being executed, is displayed. On the "Wallet Main Menu" screen, "¥ 25,000" is displayed as the electronic money account balance managed by "Payment App", and below that, it is a submenu that can be selected from the "Wallet Main Menu". Six icons corresponding to "Deposit", "Code payment", "Code reader", "Coupon", "My card" and "Remittance" are displayed.

FIG. 3-2 is a diagram showing an example of a My Card screen displayed when the “My Card” icon is touched on the application screen shown in FIG. 3-1.
At the bottom of the title bar, "My Card", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". In addition, a sort icon (hereinafter referred to as "sort icon") is displayed on the right side of "My Card". Here, as an initial state, no My Card for the cash card is registered in the account of the user of the terminal 20.

In the following, my card as a cash card will also be referred to as a "virtual cash card". For this reason, a description of "Add a card by tapping the + mark" is displayed below the "My Card" as an operation guide for the user, and a virtual cash card icon is displayed below the description. Instead, an icon with a "+" mark for registering a new virtual cash card is displayed. In the following, the icon having the "+" mark will be referred to as "my card addition icon".
When two or more virtual cash cards are registered, when the sort icon is touched, the order of the icons of the virtual cash cards can be rearranged.

FIG. 3-3 is a diagram showing an example of a card addition screen displayed when the My Card addition icon is touched on the My Card screen shown in FIG. 3-2.
At the bottom of the title bar, "Add Card", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". In addition, a camera icon and a sort icon are displayed on the right side of "Add card". Below "Add Card", a description of "Please select a card to add" is displayed as an operation guide for the user, and below that description, a partnership that issues an addable cash card. A list of banks is displayed. This list contains multiple column items that are arranged vertically for selection by the user, and the column items include an icon containing the affiliated bank icon image of the affiliated bank and the location to the right of that icon. The character string of the name of the affiliated bank is displayed. In this embodiment, in the list, the column items of "PP bank", the column items of "QQ bank", the column items of "RR bank", the column items of "SS bank", etc. are not limited but are affiliated as an example. They are arranged from the top in alphabetical order of bank names.

When the sort icon located to the right of "Add Card" is touched, it is possible to rearrange the order of column items in the list. As an example, not a limitation, when the sort icon is touched, the order of the column items in the list is arranged in reverse alphabetical order from the top.
In addition to the alphabet, the sort index may or may not be changed to other indexes such as the Japanese syllabary and the registration date and time.

When the camera icon located on the right side of "Add card" is touched, the camera 27 of the terminal 20 can be used. Then, when the user takes an image of his / her own cash card with the camera 27, the terminal 20 recognizes the affiliated bank that issued the cash card based on the bank name or symbol stamped on the cash card based on the imaged result. Then, the terminal 20 displays only the column items of the affiliated bank in the list, not as a limitation but as an example. As a result, the user can easily display the column items of the affiliated banks that issued the cash card captured by the camera 27 in the list. In particular, when the list contains a large number of affiliated banks, it is not necessary to manually select the desired affiliated banks from the list, so that it is possible to save the user time for searching for the desired column item.

In addition, as the camera 27, instead of using the OS standard camera application provided as a function of the terminal 20, a camera (application camera) provided as a function of the payment application may be used, and so on. It does not have to be. The same applies hereinafter.

FIG. 3-4 is a diagram showing an example of a card information input screen displayed when a column item of “QQ bank” is touched on the card addition screen shown in FIG. 3-3.
At the bottom of the title bar, "Enter card information", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". Also, a camera icon is displayed on the right side of "Add Card". Below "Enter card information", the explanation "Please enter the necessary information" is displayed as an operation guide for the user, and below the explanation, the "Add card" screen is displayed. The name of the affiliated bank selected by the user (QQ bank as an example, not limited) and the icon are displayed.

Below the name and icon of the affiliated bank is a list of items that must be entered in order to receive balance inquiry services, withdrawal services, etc. from the affiliated bank. Hereinafter, this list is also referred to as an "input list".
The input list contains, as an example, not a limitation, seven column items arranged vertically by item, which contains the item and a help icon located to the right of the item. , Includes an input field located to the right of the icon. In this embodiment, seven column items including "store number", "account type", "account number", "surname", "first name", "PIN" and "date of birth" are listed above. It is displayed in order from. FIG. 3-4 shows a state in which a value is input by the user in each of the input fields of the seven column items. At the bottom of the input list, an authentication button containing the "authentication" string is displayed. As an example, not a limitation, when the user touches the authentication button, the bank server 40 executes the authentication based on the information input in the input list.

When the camera icon located on the right side of "Enter card information" is touched, the camera 27 of the terminal 20 can be used, and when the user captures his / her cash card with the camera 27, the terminal 20 displays the imaging result. Based on this, the store number, account type, account number, surname and first name are recognized from the numbers and characters stamped on the cash card. Then, the terminal 20 writes the recognized store number, account type, account number, surname, and first name in the corresponding input fields in the input list, not as a limitation but as an example. As a result, information about the cash card account can be displayed in the input list, so that the burden of input operations by the user can be reduced.
Instead of entering such personal information, a screen for entering the online banking ID and password of the affiliated bank may be displayed. In this case, when the column item of "QQ Bank" is touched on the card addition screen shown in Fig. 3-3, a screen for entering the online banking ID and password registered in advance by the website or application of the affiliated bank is displayed. It is displayed in unit 24. When the user enters the ID and password and presses the login button, the authentication process is performed.

When a cash card is imaged while the submenu of "Add card" shown in FIG. 3-3 is being executed, the terminal 20 uses the numbers and characters stamped on the cash card based on the imaged result. It recognizes the store number, account type, account number, surname and first name, and automatically writes the recognized information in each corresponding input field while executing the "Enter card information" submenu. It may or may not be.

FIG. 3-5 is a diagram showing an example of a My Card screen displayed when the authentication button is touched on the card information input screen shown in FIG. 3-4.
At the bottom of the title bar, "My Card", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". FIG. 3-5 is an application screen in which the submenu of "My Card" is being executed, similar to the My Card screen shown in FIG. 3-2. Here, it is assumed that the virtual cash card of "RR Bank" is registered in addition to the virtual cash card of "QQ Bank". Therefore, unlike the My Card screen shown in Fig. 3-2, "QQ" includes a small-sized cash card image of QQ Bank and the name of a partner bank under the explanation of "Add a card by tapping the + mark". The virtual cash card icon of "Bank", the virtual cash card icon of "RR Bank" including the small size cash card image of RR Bank and the name of the affiliated bank, and the icon for adding My Card are displayed. In this embodiment, these virtual cash cards are arranged in alphabetical order in a Z-shaped pattern.

When the sort icon located on the right side of "My Card" is touched, it is possible to rearrange the order of registered virtual cash cards. As an example, not a limitation, when the sort icon is touched, the virtual cash card icon of "QQ Bank" and the virtual cash card icon of "RR Bank" are arranged in a Z-shaped pattern in the reverse order of the alphabet.
In addition to the alphabet, the sort index may or may not be changed to other indexes such as the Japanese syllabary and the registration date and time.

In this way, since the plurality of registered bank accounts are displayed on the My Card screen, it is possible for the user to easily grasp the accounts of the plurality of registered financial institutions.

FIG. 3-6 is a diagram showing an example of an account detail screen displayed when the icon of the virtual cash card of “QQ Bank” is touched on the My Card screen shown in FIG. 3-5.
At the bottom of the title bar, "QQ Bank", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". Below the "QQ Bank", an image of a virtual cash card about the QQ Bank is displayed. This image contains a character string indicating a store number, an account number, a bank name, an account type, a surname and first name, and an amount of an account balance in a large-sized cash card image imitating a cash card.
In addition, a circular icon for reloading account information is included in the upper right part of the large-sized cash card image.

When the image of the virtual cash card is touched by the user in FIG. 3-6, information such as the store number, account number, and account balance is copied to the clipboard (storage area that can be shared between applications) of the terminal 20. It may or may not be.

Below the image of the virtual cash card, the transaction history display box, the provided service display box, and the notification display box are displayed in order from the top. In the transaction history display box, for example, as the latest three transaction contents (transaction history), "transfer", "deposit" and "withdrawal" are displayed in chronological order from the upper side to the lower side as an example, not limited. In addition, a graph of time-series transition of the account balance is displayed below the three transaction contents.

It should be noted that instead of displaying all of "transfer", "deposit" and "withdrawal", at least one of these may or may not be displayed.
Further, the configuration is not limited to displaying the latest three transaction contents in the transaction history display box, and may be a configuration in which the latest two or less or the latest four or more transaction contents are displayed. You may.

In this way, at least one of the history of deposits to the account of the target financial institution and the history of withdrawals from the account of the target financial institution is displayed in, so that the transaction history of the account of the target financial institution can be displayed. It can be made visible to the user.

In the provided service display box, there is a "charge button" for executing a charge service to transfer (charge) electronic money from the user's bank account at the affiliated bank to the user's electronic money account with this payment application ID, and a withdrawal service. "ATM withdrawal button" to execute and transfer service to transfer electronic money from the user's bank account at the affiliated bank to the bank account of another bank via the user's electronic money account of this payment application ID The "transfer button" for execution is displayed in order from the top.

In this embodiment, in the withdrawal service performed when the ATM withdrawal button is touched, the cash that can be withdrawn from the ATM 50 has the account balance displayed in the image of the virtual cash card as the upper limit of withdrawal. That is, the account balance of the bank selected by the user is displayed on the display unit 24, and the input / output unit 23 accepts the withdrawal instruction with this account balance as the upper limit of withdrawal.
As a result, the user can be made to confirm the account balance of the target financial institution, and the cash machine can be made to make a withdrawal with the account balance as the upper limit of withdrawal.

A loan service may or may not be added to the withdrawal service so that cash exceeding the account balance can be withdrawn from the ATM 50.

Further, on the left side of each of the above buttons, a symbol for explaining a service corresponding to the button is displayed as an example, not a limitation. Specifically, on the left side of the charge button, a symbol showing how electronic money is transferred from the user's bank account at the affiliated bank to the user's electronic money account of this payment application ID is displayed.

In this way, the display unit 24 displays a screen for charging electronic money and withdrawing the charged amount from the ATM 50 simply by operating the ATM withdrawal button without the need to operate the charge button. Therefore, the user can easily withdraw the charged target amount from the cash machine simply by giving a withdrawal instruction without giving a separate charge instruction.

Here, on the left side of the ATM withdrawal button, a symbol showing how cash is withdrawn directly from the user's bank account at the affiliated bank is displayed. However, in reality, as described above, the withdrawal amount equivalent to the withdrawal amount is charged from the user's bank account to the user's electronic money account, the electronic money equivalent to the withdrawal amount is transferred from the electronic money account to the ATM50, and cash is transferred from the ATM50. Although it is withdrawn, it is concealed that the electronic money from the user's bank account is transferred to the user's electronic money account.
As a result, the user can withdraw the deposit in his / her bank account from the ATM 50 in cash without being aware of it, even though the user actually goes through the electronic money account.

Further, since the charge operation is received by the input / output unit 23 and a button different from the charge button is displayed on the display unit 24 as a button for accepting the ATM withdrawal, the withdrawal and the charge can be performed by different instructions. It can be recognized by the user.

In addition, the My Card screen for selecting a bank account (not limited, but an example of the first screen) is displayed on the display unit 24, and the account information of the bank account selected on the My Card screen and at least the ATM output. Since the account details screen (not limited, but an example of the second screen) including the gold button is displayed on the display unit 24, a series of selection of the target financial institution's account, confirmation of account information, and withdrawal instruction are performed. It can be realized by operation.

In the notification display box, notification items from affiliated banks (not limited to QQ banks, for example) and withdrawal service providers are displayed.

FIG. 3-7 is a diagram showing an example of a withdrawal amount input screen displayed when the ATM withdrawal button is touched on the account details screen shown in FIG. 3-6.
At the bottom of the title bar, "Payment App", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". Below the "Enter withdrawal amount", the explanation "Please enter the withdrawal amount" is displayed as an operation guide for the user, and below the explanation, it is not possible to withdraw less than 1000 yen. Notes, account type and account balance, and input fields for withdrawal amount (not limited, but an example of the target amount) are displayed in order from the top. At the bottom of the input field, a clear button and a confirmation button are displayed side by side in the horizontal direction. When the clear button is touched, the amount entered in the withdrawal amount input field is deleted. When the confirmation button is touched, the withdrawal service proceeds according to the amount entered in the withdrawal amount input field.

FIG. 3-8 is a code reading screen displayed when the confirmation button is touched with "10,000 yen" entered in the withdrawal amount input field on the withdrawal amount input screen shown in FIG. 3-7. It is a figure which shows an example.
At the bottom of the title bar, "two-dimensional code reading", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". Below "Read 2D code", the explanation "Please align the 2D code with the frame on the screen" is displayed as an operation guide for the user, and below the explanation, the withdrawal amount ( As an example, not limited to 10,000 yen) is displayed. While the "two-dimensional code reading" submenu is being executed, the camera 27 of the terminal 20 can be used, and the image obtained by the camera 27 and the frame are displayed below the above withdrawal amount. To.

The user adjusts the position and orientation of the terminal 20 so that the image of the two-dimensional code displayed on the display of the ATM 50 fits within the field of view of the camera 27 of the terminal 20, and the image of the two-dimensional code is captured by the camera 27. , The position and orientation of the terminal 20 are finely adjusted so that the image which is the image pickup result fits within the above frame. The terminal authentication code issued by the server 10 is stored in this two-dimensional code. The details of the terminal authentication code will be described later.

When the image of the two-dimensional code fits within the above frame, the terminal 20 analyzes the image of the two-dimensional code and acquires the terminal authentication code stored in the image of the two-dimensional code. The terminal 20 is not limited, but as an example, when the terminal authentication code is successfully acquired, the terminal 20 emits an electronic sound, vibrates the terminal 20 main body, or makes a moving image of the imaging result displayed on the display unit 24 into a still image. By doing so, the user is notified that the authentication code has been successfully obtained. When the user recognizes the notification from the terminal 20, the user waits until the door of the cash outlet of the ATM 50 opens, and when the door of the cash outlet opens, the cash discharged inside the cash outlet (example, not limited). As a result, you will receive 10,000 yen). As an example, the ATM 50 closes the cash outlet door when the user receives cash.

FIG. 3-9 is a diagram showing an example of an account detail screen displayed after the withdrawal of cash from the ATM 50 is completed.
At the bottom of the title bar, "QQ Bank", which is a submenu currently being executed, is displayed as the current position in the hierarchical menu of "Payment App". FIG. 3-9 is an application screen in which the submenu of "QQ Bank" is being executed, similar to the account details screen shown in FIG. 3-6. Here, a part different from the account details screen shown in FIG. 3-6 will be described.

The virtual cash card image of QQ Bank displayed below "QQ Bank" shows the withdrawal amount from the original account balance amount (100,000 yen shown in Fig. 3-6 as an example, not limited). The character string of the amount obtained by subtracting (10,000 yen as an example, not a limitation) (90,000 yen as an example, not a limitation) is included as the amount of the account balance.

A confirmation item display box is displayed between the image of the virtual cash card and the transaction history display box. In the confirmation item display box, the details of the transaction made in advance are displayed. In this embodiment, the fact that cash has been withdrawn from the ATM, the withdrawal amount, and the account balance after withdrawal are displayed in the confirmation item display box. The confirmation item display box is deleted by touching the icon with a cross in the upper right corner of the box.

The contents of the transaction history display box are updated according to the transaction contents regarding the cash withdrawal made earlier, as compared with the transaction history display box shown in FIG. 3-6. Specifically, as an example, not a limitation, since only the latest three transaction histories are displayed, the "withdrawal" at the bottom of the transaction history display box shown in FIG. 3-6 is deleted and the top row is displayed. "Transfer" and "Deposit" in the middle row are displayed by moving to the middle row and the bottom row, respectively. Then, the transaction details regarding the cash withdrawal made earlier are added to the top row. In addition, the graph of the time-series transition of the account balance is updated to reflect the result of the cash withdrawal made earlier.

The contents of the provided service display box are the same as those of the provided service display box shown in FIG. 3-6, but since the confirmation item display box is displayed, only a part of the upper side of the provided service display box is displayed on the display unit 24. Service.

<Processing>
4 to 4 to 4-4 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.
In these figures, in order from the left side, the terminal main process executed by the control unit 21 of the terminal 20, the payment application management process executed by the control unit 11 of the server 10, and the bank executed by the control unit (not shown) of the bank server 40. An example of server main processing is shown.
Note that FIGS. 4-3 and 4-4 further show an example of the ATM main process executed by the control unit (not shown) of the ATM 50 on the right side of the bank server main process.
Each step of the flowchart is realized by reading a program from the storage unit and executing the program by the processor of each device as an example but not a limitation.

The flowchart described below merely exemplifies the processing procedure for realizing the method of the present disclosure. Therefore, the process for realizing the method of the present disclosure is not limited to the process executed according to the flowchart described below, and some steps can be omitted or other steps can be added. is there.

First, for example, when the application screen shown in FIG. 3-1 is displayed on the display unit 24 of the terminal 20 and the user of the terminal 20 touches the "My Card" icon, the payment application of the terminal 20 is performed. The processing unit 211 recognizes that the input / output unit 23 has received the operation. Then, the payment application processing unit 211 includes the payment application ID read from the payment application ID data 2831 stored in the storage unit 28, and requests the list of registered My Cards. It is transmitted to the server 10 (via the communication I / F22) by the communication I / F22 (A110).

When the payment application management processing unit 111 of the server 10 receives the My Card list request information from the terminal 20 by the communication I / F 14, the payment application ID included in the My Card list request information in the user management database 155 is stored. The bank ID included in the affiliated bank authentication data is acquired from the user management data.

Here, it is assumed that the bank ID or the like is not registered in the affiliated bank authentication data in the above user management data. In this case, the payment application management processing unit 111 transmits the My Card list information including the fact that there is no registered affiliated bank to the terminal 20 by the communication I / F14.
When a bank ID or the like is registered in the affiliated bank authentication data in the above user management data, the payment application management processing unit 111 uses the affiliated bank data 154 to obtain the "affiliated bank name" associated with the bank ID. And the small size cash card image included in "Other affiliated bank information", and the bank ID, affiliated bank name, and my card list information including the small size cash card image are displayed on the terminal by communication I / F14. It is transmitted to 20 (B110).

When the payment application processing unit 211 of the terminal 20 receives the My Card list information from the server 10 by the communication I / F 22, the My Card list information is displayed on the display unit 24 (A120). Specifically, as an example, not a limitation, the payment application processing unit 211 recognizes that there is no registered affiliated bank based on the My Card list information, and illustrates it in FIG. 3-2. The display unit 24 displays such a My Card screen.

Next, when the user of the terminal 20 performs an operation of touching the My Card addition icon, the payment application processing unit 211 of the terminal 20 recognizes that the input / output unit 23 has received the operation. In the following, the affiliated bank that the user of the terminal 20 intends to register and use is also referred to as an "additional target affiliated bank". Then, the payment application processing unit 211 transmits the My Card addition request information including the read payment application ID and the request for a list of registerable My Cards to the server 10 by the communication I / F 22 (A130). ..

When the payment application management processing unit 111 of the server 10 receives the My Card addition request information from the terminal 20 by the communication I / F 14, the payment application ID included in the My Card addition request information in the user management database 155 is stored. Read the user management data. Then, the payment application management processing unit 111 identifies a bank ID that is not registered in the user management data among the affiliated bank IDs included in the affiliated bank data 154. Hereinafter, the bank ID is also referred to as an “additional target bank ID”. Here, as described above, since the bank ID is not registered in the user management data, all the affiliated bank IDs included in the affiliated bank data 154 are the additional target bank IDs. The payment application management processing unit 111 acquires the affiliated bank name associated with the additional target bank ID and the affiliated bank icon image included in the other affiliated bank information associated with the additional target bank ID from the affiliated bank data 154. , The additional card list information including the additional target bank ID, the acquired affiliated bank name, and the acquired affiliated bank icon image is transmitted to the terminal 20 by the communication I / F14 (B120).

When the payment application processing unit 211 of the terminal 20 receives the additional card list information from the server 10 by the communication I / F 22, the content of the additional card list information is displayed on the display unit 24. Specifically, the payment application processing unit 211 causes the display unit 24 to display the card addition screen as illustrated in FIG. 3-3 based on the additional card list information, not by limitation but as an example.

When the user of the terminal 20 touches, for example, a column item including the icon and the name of the affiliated bank to be added, the payment application processing unit 211 of the terminal 20 receives the operation from the input / output unit 23. Recognizing this, the affiliated bank ID associated with the name of the affiliated bank selected by the user is specified (A140) based on the operation result of the user and the additional card list information.

After A140, the payment application processing unit 211 transmits the read payment application ID and additional card selection information including the specified affiliated bank ID to the server 10 by the communication I / F 22 (A150).

When the payment application management processing unit 111 of the server 10 receives the additional card selection information from the terminal 20 by the communication I / F 14, the affiliated bank server associated with the affiliated bank ID included in the additional card selection information from the affiliated bank data 154. Get URI. Then, the payment application management processing unit 111 transmits the bank server information including the affiliated bank server URI to the terminal 20 by the communication I / F 14 (B130).

When the payment application processing unit 211 of the terminal 20 receives the bank server information from the server 10 by the communication I / F 22, the information necessary for authentication (authorization) such as, for example, "account number" as illustrated in FIG. 3-4. The display unit 24 displays a card information input screen that prompts the user of the terminal 20 to input the above. When the user inputs the information required for authentication (authorization) and touches the authentication button, the payment application processing unit 211 recognizes that the input / output unit 23 has received the operation. After that, the authentication system authorization registration process is performed between the terminal 20, the server 10, and the bank server 40.

In this embodiment, the authentication system authorization registration process is performed according to the OAuth standard as an example, not a limitation. Specifically, the payment application processing unit 211 is not limited to, but as an example, the authorization request information including each value such as "account number" and "password" input by the user is transmitted by the communication I / F 22. The affiliated bank server URI included in the bank server information is transmitted to the bank server 40 as an access destination (A160).

When the control unit of the bank server 40 receives the authorization request information from the terminal 20 by the communication I / F, the control unit executes an authorization determination process for determining whether or not the user of the terminal 20 is legitimate based on the authorization request information (C110). ). Specifically, the storage unit of the bank server 40 stores, for example, an account management database accumulating management data relating to depositors who have an account at the bank that manages the bank server 40. The account management database includes account management data as management data for each depositor, in addition to authentication information such as online banking ID and password. Each account management data is not limited, but by example, by the depositor's account store number, account type, account number, account balance and transaction history, the depositor's surname, first name and date of birth, and the depositor. The set password is associated and stored.

The control unit of the bank server 40 is not limited, but as an example, from the account management database stored in the storage unit of the bank server 40, the account management data including the store number, the account type, and the account number included in the authorization request information. To search for. The control unit of the bank server 40 is not limited, but as an example, the account management data including the store number, the account type, and the account number exists, and the surname, first name, password, and the surname, first name, and password included in the account management data If the date of birth and the surname, first name, PIN, and date of birth included in the authorization request information match, the user of the terminal 20 is determined to be valid.

The control unit of the bank server 40 then generates an access token. In this embodiment, the control unit of the bank server 40 generates a random number having a predetermined number of digits according to an algorithm for generating a random number, and uses this as an access token. The control unit of the bank server 40 stores the access token in the storage unit in association with the account management data of the user determined to be valid, and stores the access token information including the access token in the API by communication I / F. It is transmitted to the server 10 via (C120).

When the payment application management processing unit 111 of the server 10 receives the access token information from the terminal 20 by the communication I / F 14, the access token included in the access token information is used as the payment application ID of the terminal 20 or the user of the terminal 20. And its bank ID are associated with and stored in the user management database 155 (B140). As a result, the authentication system authorization registration process performed between the terminal 20, the server 10, and the bank server 40 is completed.

In the authentication system authorization registration process, in detail, after C110, the control unit of the bank server 40 transmits authorization token information giving access permission within a certain period after the authorization determination process to the terminal 20. Then, the terminal 20 transmits the information including the received authorization token to the server 10, and the server 10 transmits the information including the received authorization token to the bank server 40. After that, C120 is executed. Since the details of this authentication system authorization registration process can be performed based on the OAuth standard, description thereof will be omitted here.

Next, the payment application management processing unit 111 of the server 10 provides the My Card addition success information including the fact that the access token for the additional target affiliated bank is registered and the cash card function of the additional target affiliated bank is given to the server 10. , Transmit to the terminal 20 by communication I / F14 (B150).

When the payment application processing unit 211 of the terminal 20 receives the My Card addition success information from the server 10 by the communication I / F 22, the payment application processing unit 211 to the server 10 of the cash card function of the affiliated bank to be added is based on the My card addition success information. A screen indicating that the grant was successful is displayed on the display unit 24 (A170).

Next, the payment application management processing unit 111 of the server 10 acquires the bank ID included in the affiliated bank authentication data from the user management data in which the payment application ID is stored in the user management database 155. Here, in the affiliated bank authentication data in the user management data, in addition to the "bank ID", "bank name" and "access token" of the "QQ bank" newly registered by the user of the terminal 20, "RR bank" It is assumed that the "bank ID", "bank name" and "access token" of the above are registered. The payment application management processing unit 111 acquires a small-sized cash card image included in the "affiliated bank name" and "other affiliated bank information" associated with the bank ID from the affiliated bank data 154, and obtains the bank ID. And, the my card list information including the acquired affiliated bank name and the acquired small-sized cash card image is transmitted to the terminal 20 by the communication I / F14 (B160).

When the payment application processing unit 211 of the terminal 20 receives the My Card list information from the server 10 by the communication I / F 22, the contents of the My Card list information are displayed on the display unit 24. Specifically, the payment application processing unit 211 causes the display unit 24 to display the My Card screen as illustrated in FIG. 3-5 based on the My Card list information, not by limitation (A180).

Next, when the user of the terminal 20 touches the icon of the virtual cash card of the affiliated bank to be used, the payment application processing unit 211 of the terminal 20 receives the operation from the input / output unit 23. Recognize. Here, it is assumed that the user of the terminal 20 touches the icon of the virtual cash card of "QQ Bank". The payment application processing unit 211 transmits the My Card selection information including the read payment application ID and the bank ID of the affiliated bank selected by the user to the server 10 by the communication I / F 22 (A190).

When the payment application management processing unit 111 of the server 10 receives the my card selection information from the terminal 20 by the communication I / F 14, the authentication system authorization process is performed between the server 10 and the bank server 40. Specifically, the payment application processing unit 211 is not limited, but as an example, from the affiliated bank authentication data in the user management data in which the payment application ID included in the My Card selection information is stored in the user management database 155. , Acquire the access token associated with the bank ID included in the My Card selection information. In addition, the payment application management processing unit 111 acquires the affiliated bank server URI associated with the bank ID included in the my card selection information from the affiliated bank data 154. Then, the payment application management processing unit 111 sends the account reference request information including the access token and the request for the information about the user's account of the terminal 20 by the communication I / F14 via the API to the affiliated bank. The server URI is transmitted to the bank server 40 as an access destination (B170).

When the control unit of the bank server 40 receives the account reference request information from the terminal 20 by the communication I / F, it is associated with the access token included in the account reference request information in the account management database stored in the storage unit. From the account management data, as an example, not limited to, the store number, account type, account number, account balance and transaction history, and surname and first name are obtained, and the account information including these is obtained by communication I / F via API. And sends it to the server 10 (C130). As a result, the authentication system authorization process performed between the server 10 and the bank server 40 is completed.

When the payment application management processing unit 111 of the server 10 receives the account information from the bank server 40 by the communication I / F 14, the store number, the account type, the account number, the account balance and the transaction history are not limited, but as an example. , As well as the surname and given name. Then, the payment application management processing unit 111 includes, for example, the name of the affiliated bank associated with the bank ID of the affiliated bank that performed the authentication system approval processing and the large amount included in the "other affiliated bank information" from the affiliated bank data 154. Obtain a size cash card image and include, but not limited to, store number, account type, account number, account balance and transaction history, surname and first name, as well as its bank ID, affiliated bank name and large size cash card image. My card information is transmitted to the terminal 20 by communication I / F14 (B180).

When the payment application processing unit 211 of the terminal 20 receives the My Card information from the server 10 by the communication I / F 22, the content of the My Card information is displayed on the display unit 24 (A200). Specifically, the payment application processing unit 211 causes the display unit 24 to display the account details screen as illustrated in FIG. 3-6 based on the My Card information, not by limitation but as an example.

Next, the payment application processing unit 211 recognizes that when the user of the terminal 20 touches the ATM withdrawal button, the input / output unit 23 receives the operation, as illustrated in FIG. 3-7. The withdrawal amount input screen is displayed on the display unit 24. When the user of the terminal 20 performs an operation of touching the confirmation button after inputting the withdrawal amount, the payment application processing unit 211 reads the payment application ID and acquires the bank ID from the My Card information received from the server 10. To do. Then, the payment application processing unit 211 transmits the ATM withdrawal request information including the payment application ID, the withdrawal amount, and the bank ID to the server 10 by the communication I / F22 (A210). ..

When the payment application management processing unit 111 of the server 10 receives the ATM withdrawal request information from the terminal 20 by the communication I / F 14, the authentication system authorization process is performed between the server 10 and the bank server 40. Specifically, the payment application management processing unit 111 is not limited to, but as an example, the affiliated bank authentication in the user management data in which the payment application ID included in the ATM withdrawal request information is stored in the user management database 155. From the data, the access token associated with the bank ID included in the ATM withdrawal request information is acquired. Further, the payment application management processing unit 111 acquires the affiliated bank server URI associated with the bank ID included in the ATM withdrawal request information from the affiliated bank data 154. Then, the payment application management processing unit 111 includes the access token and the withdrawal amount included in the ATM withdrawal request information, and requests the transfer of electronic money from the user's account of the terminal 20 to the electronic money account. The electronic money transfer request information including the electronic money transfer request information is transmitted to the bank server 40 by the communication I / F14 via the API with the affiliated bank server URI as the access destination (B190).

When the control unit of the bank server 40 receives the electronic money transfer request information from the terminal 20 by the communication I / F, it associates it with the access token included in the electronic money transfer request information in the account management database stored in the storage unit. By subtracting the withdrawal amount included in the electronic money transfer request information from the account balance stored in the stored account management data and adding the current transaction content to the transaction history stored in the account management data, the transaction is performed. The electronic money transfer process for updating the history is performed (C140).

Next, the control unit of the bank server 40 transmits the transfer completion notification information including the success of the transfer of the electronic money of the withdrawal amount to the server 10 via the API via the communication I / F (C150). As a result, the authentication system authorization process performed between the server 10 and the bank server 40 is completed.

When the payment application management processing unit 111 of the server 10 receives the transfer completion notification information from the terminal 20 via the communication I / F 14, it recognizes that the transfer of the requested withdrawal amount of electronic money has been successful based on the transfer completion notification information. Then, in the user management database 155, the amount of the "electronic money account balance" stored in the user management data in which the payment application ID included in the ATM withdrawal request information received from the terminal 20 is stored is displayed. Add the amount. Then, the payment application management processing unit 111 transmits the terminal authentication code confirmation request information including the request for confirmation of the terminal authentication code to the terminal 20 by the communication I / F 14 (B200).

When the payment application processing unit 211 of the terminal 20 receives the terminal authentication code confirmation request information from the server 10 by the communication I / F 22, the camera 27 for capturing the image of the two-dimensional code displayed on the display of the ATM 50 is activated. At the same time, the code reading screen as illustrated in FIG. 3-8 is displayed on the display unit 24.

On the other hand, the user of the terminal 20 performs an operation on the ATM 50 to withdraw cash from the ATM 50. In this embodiment, the user of the terminal 20 performs an operation of touching a button for using the withdrawal service provided by the withdrawal service operator on the input / output unit of the ATM 50, as an example without limitation. The control unit of the ATM 50 recognizes that the input / output unit has received the operation (D110).

Next, the control unit of the ATM 50 transmits the terminal authentication code request information including the request for the terminal authentication code to the server 10 by the communication I / F (D120). In this embodiment
As an example, not limited to, the relationship information including the relationship between the withdrawal service provider and the address of the server 10 managed by the withdrawal service provider is stored in the storage unit of the ATM 50, and the control unit of the ATM 50 is used. Based on the related information and the operation content received by the input / output unit, the destination of the terminal authentication code request information is acquired.

When the payment application management processing unit 111 of the server 10 receives the terminal authentication code request information from the ATM 50 by the communication I / F 14, the payment application management processing unit 111 generates a terminal authentication code based on the terminal authentication code request information (B210).

Next, the payment application management processing unit 111 transmits the terminal authentication code information to the ATM 50 by the communication I / F 14 (B220).

When the control unit of the ATM 50 receives the terminal authentication code information from the server 10 by the communication I / F, the control unit displays the terminal authentication code information on the display (D130).

Next, the payment application processing unit 211 of the terminal 20 acquires the terminal authentication code as illustrated in FIG. 3-8. Then, the payment application processing unit 211 transmits the terminal authentication verification information including the read payment application ID and the acquired terminal authentication code to the server 10 by the communication I / F 22 (A230).

When the payment application management processing unit 111 of the server 10 receives the terminal authentication verification information from the terminal 20 by the communication I / F 14, the payment application management processing unit 111 authenticates the terminal 20 based on the terminal authentication verification information and the terminal authentication code information transmitted to the ATM 50. Perform terminal authentication verification processing. In this embodiment, the payment application management processing unit 111 is not limited, but as an example, the terminal authentication code included in the terminal authentication verification information and the terminal authentication code stored in the image of the two-dimensional code included in the terminal authentication code information. Check if and does not match. When the payment application management processing unit 111 confirms that the two match, the terminal 20 determines that the terminal 20 is valid. Further, the payment application management processing unit 111 confirms the ATM 50 to which the terminal authentication code information has been transmitted as the refund destination ATM (B230).

Next, the payment application management processing unit 111 of the server 10 transmits the refund request information including the request for cash refund and the withdrawal amount to the ATM 50 by the communication I / F14 (B240).

When the control unit of the ATM 50 receives the refund request information from the server 10 via the communication I / F, the cash withdrawal amount included in the refund request information is discharged into the cash outlet of the ATM 50 based on the refund request information. , The door of the cash outlet is opened (D140).

The user of the terminal 20 receives the cash discharged inside the cash outlet. When the control unit of the ATM 50 detects that the cash has been taken out from the inside of the cash withdrawal port, it transmits a refund completion notification indicating that the cash refund has been completed to the server 10 by communication I / F (D150).

When the payment application management processing unit 111 of the server 10 receives the refund completion notification from the ATM 50 by the communication I / F 14, the authentication system authorization process is performed again between the server 10 and the bank server 40. Specifically, the payment application management processing unit 111 is not limited to, but as an example, user management data in which the payment application ID included in the terminal authentication verification information received from the terminal 20 in the user management database 155 is stored. The access token associated with the bank ID included in the ATM withdrawal request information received from the terminal 20 is acquired from the affiliated bank authentication data in. Further, the payment application management processing unit 111 acquires the affiliated bank server URI associated with the bank ID included in the ATM withdrawal request information from the affiliated bank data 154. Then, the payment application management processing unit 111 sends the account reference request information including the access token and the request for the information about the user's account of the terminal 20 by the communication I / F14 via the API to the affiliated bank. The server URI is transmitted to the bank server 40 as an access destination (B250).

When the control unit of the bank server 40 receives the account reference request information from the server 10 by the communication I / F, it is associated with the access token included in the account reference request information in the account management database stored in the storage unit. From the account management data, as an example, not limited to, the store number, account type and account number, account balance and transaction history after electronic money transfer processing, and surname and first name are acquired, and the account information including these is transmitted to the communication I / By F, it is transmitted to the server 10 via the API (C160).

When the payment application management processing unit 111 of the server 10 receives the account information from the bank server 40 by the communication I / F 14, the store number, the account type, the account number, the account balance, and the transaction history are not limited, but as an example. , And the first and last name, and from the affiliated bank data 154, as an example, not limited to, the affiliated bank name and "other affiliated bank information" associated with the bank ID of the affiliated bank that performed the authentication system approval process. Get the large size cash card image included in and the ATM output including the store number, account type, account number, account balance and transaction history, surname and first name, and its bank ID, affiliated bank name and large size cash card image The money completion notification information is transmitted to the terminal 20 by the communication I / F14 (B260).

When the payment application processing unit 211 of the terminal 20 receives the ATM withdrawal completion notification information from the server 10 by the communication I / F 22, the content of the ATM withdrawal completion notification information is displayed on the display unit 24 (A240). Specifically, the payment application processing unit 211 causes the display unit 24 to display the account details screen as illustrated in FIG. 3-9 based on the ATM withdrawal completion notification information as an example, not limited to the payment application processing unit 211.

After A240, the payment application processing unit 211 of the terminal 20 ends the terminal main processing. After B260, the payment application management processing unit 111 of the server 10 ends the payment application management process. After C160, the control unit of the bank server 40 ends the bank server main process. After D150, the control unit of the ATM 50 ends the ATM main process.

Here, the process for "withdrawing" the electronic money deposited in the user's bank account from the ATM 50 in cash is shown. In addition, the cash deposited by the user in the ATM 50 may be configured to be "deposited" into the user's bank account with electronic money.
Detailed description of the processing in this case will be omitted.

Further, although the configuration in which the processing step of A210 in the terminal 20 is performed and then the processing step of D110 to D130 in the ATM 50 is performed, the present invention is not limited to this. Since the processing for A210 and the processing for D120 in the server 10 can be executed independently, for example, the processing steps for D110 to D130 in the ATM 50 are executed first, and the processing step for A210 is executed later. May be good.

<Effect of Examples>
In this embodiment, the input / output unit 23 (not limited, but an example of the first receiving means) registers the accounts of a plurality of banks (not limited, an example of a plurality of financial institutions) as candidates for charging electronic money. Accept. In addition, the input / output unit 23 accepts the withdrawal amount (not limited, but an example of the target amount), charges the withdrawal amount to the electronic money from the accounts of a plurality of registered banks, and charges the withdrawal amount of the electronic money. Select an account of a bank (an example of a target financial institution, not a limitation) for withdrawing from ATM50 (an example of an automated teller machine, not a limitation) and a touch operation by a user in the opposite area of the ATM withdrawal button (an example of a target financial institution, not a limitation) Not limited, but accepts withdrawal instructions). Then, in response to the display unit 24 accepting the withdrawal amount, the selection of the bank account, and the touch operation by the user in the area opposite to the ATM withdrawal button, the withdrawal amount is charged to the electronic money from the account and charged. The configuration for displaying the information for withdrawing the withdrawal amount from the ATM 50 is shown.
This makes it possible for the user to easily withdraw cash using the electronic money service.

<Modification example>
Hereinafter, a modified example of the above embodiment will be described.

<Modification example (1)>
In the above embodiment, the money managed by the electronic money account on the server 10 is referred to as "electronic money (electronic money)", and the money managed by the account of the bank server 40 (bank) is referred to as "digital currency (digital currency)". I made a distinction. However, without distinguishing between the two, both may be referred to as "electronic money" or both may be referred to as "digital currency (digital currency)".

Further, legal tender or virtual currency may be used as "electronic money" or "digital currency". Further, the "electronic money" or "digital currency" may or may not include a cryptocurrency (cryptocurrency). In addition, the virtual currency may or may not include physical money such as coupons.

<Modification example (2)>
In the above embodiment, the payment application processing unit 211 of the terminal 20 has described the configuration of transmitting the information to be transmitted to the server 10 to the server 10 including the payment application ID, but the payment application processing unit 211 pays. Instead of the application ID, the user name of the terminal 20, the terminal telephone number of the terminal 20, or the terminal email address of the terminal 20 may be included in the information to be transmitted to the server 10. Even in this case, the server 10 can specify the payment application ID from the information received from the terminal 20 based on the payment application user registration data 153.

<Modification example (3)>
The display screen configuration, user interface, and the like described in the above embodiment are merely examples, and are not limited thereto.

Specifically, the selection of a bank account (account of a target financial institution) and the input of a withdrawal amount (target amount) may be performed on the same screen as an example, not limited.
Further, as an example, the withdrawal amount (target amount) may be input and the withdrawal operation (withdrawal instruction) may be performed on the same screen.
Also, as an example, not limited, it is configured so that the selection of the bank account (account of the target financial institution), the input of the withdrawal amount (target amount), and the operation for withdrawal (withdrawal instruction) are performed on the same screen. You may.

In this way, as an example, not a limitation, any combination of the target amount, the selection of the account of the target financial institution, and the withdrawal instruction can be accepted on the same screen.

<Modification example (4)>
In the above embodiment, the configuration in which the cash card issued by the financial institution is registered in the account of the user of the terminal 20 on the server 10 has been described, but the service using electronic money or points that can be converted into electronic money is provided. The card that can be used may or may not be registered in the account of the user of the terminal 20. Specifically, such a service is not limited, but is, for example, a point service for giving points to a user, a service for storing deposits from a user as electronic money, and the like. Hereinafter, the above card is also referred to as an electronic money card. The electronic money card is not limited, but is, for example, a prepaid card, a point card, or a membership card. In addition, a business operator of a non-financial institution that issues electronic money cards is also referred to as an issuing business operator.

In this modification, the affiliated bank data 154 (see FIG. 2-4) stored in the storage unit 15 of the server 10 contains the issuing company's "business ID", "issuing company name", and "issuing company server". "URI" and "other issuer information" are stored in association with "affiliated bank ID", "affiliated bank name", "affiliated bank server URI" and "other affiliated bank information".

The business operator ID is an ID that functions as identification information for identifying the issuing business operator, and stores an ID that is uniquely set for each issuing business operator by the server 10.

In the issuer name, the name of the issuer (not limited, for example, the issuer's trade name, nickname, or common name) is stored.

The issuing company server URI stores the URI including the access method and the access destination to the server managed by the issuing company.

"Other issuer information" is other registered information of the issuer having this issuer ID, and is not limited, but as an example, an image of an icon symbolizing the issuer used in the payment application. This includes information such as an icon image of the issuer, which is data, and an electronic money card design image, which is image data that imitates the appearance of the electronic money card of the issuer. The electronic money card design image includes, for example, a large size image and a small size image. Hereinafter, this large-sized image is also referred to as a "large-sized electronic money card image", and this small-sized image is also referred to as a "small-sized electronic money card image".

FIG. 3-10 is a diagram showing an example of an application screen displayed on the display unit 24 in the payment application executed by the terminal 20. This application screen is similar to the application screen shown in FIG. 3-2, and is an example of an application screen displayed when the "My Card" icon is touched on the application screen shown in FIG. 3-1. It is a figure which shows.

In this modified example, below the description of "Add a card by tapping the + mark", there is an icon of my card about an electronic money card issued by a coffee shop with the trade name of "AAA COFFEE" and "BBB books". The icon of My Card for the electronic money card issued by the bookstore with the trade name of "" and the icon for adding My Card are displayed. In the following, my card for electronic money cards will also be referred to as virtual electronic money cards. The icon of the virtual electronic money card of a coffee shop having the trade name of "AAA COFFEE" includes a small-sized electronic money card image associated with the issuer ID of the coffee shop. The icon of the virtual electronic money card of a bookstore having the trade name of "BBB Books" includes a small-sized electronic money card image associated with the issuer ID of the bookstore. In this modification, these virtual electronic money cards are arranged in alphabetical order in a Z-shaped pattern.

When the sort icon located on the right side of "My Card" is touched, the order of registered virtual electronic money cards can be rearranged. As an example, not a limitation, when the sort icon is touched, the virtual electronic money card icon of "AAA COFFEE" and the virtual electronic money card icon of "BBB Books" are arranged in a Z-shaped pattern in the reverse order of the alphabet. .. In addition to the alphabet, the sort index can be changed to the type of business of the card issuer, the Japanese syllabary, the registration date and time, and so on. As an example, not limited, when the type of business of the card issuer is used as the sorting index, virtual cash cards issued by affiliated banks and virtual electronic money cards issued by non-financial institution issuers are classified. Will be done.

FIG. 3-11 is a screen similar to the application screen shown in FIG. 3-3, and is an example of an application screen displayed when the My Card addition icon is touched on the application screen shown in FIG. 3-10. It is a figure which shows. Below the "Please select a card to add" description, you will see a list of affiliated banks that issue additional cash cards and issuers that issue additional electronic money cards. This list contains multiple column items that are arranged vertically for selection by the user, and the column items include the partner bank icon image of the partner bank or the issuer icon image of the issuer. The icon to be included and the character string of the name of the affiliated bank or issuer located on the right side of the icon are displayed. In this embodiment, in the list, as an example, not a limitation, a column item of "YY electric appliance" and a column item of "ZZ miscellaneous goods", and a column item of "PP bank" which is an affiliated bank. , "QQ Bank" column items, "RR Bank" column items, "SS Bank" column items, etc. are arranged.

When the sort icon located to the right of "Add Card" is touched, it is possible to rearrange the order of column items in the list. As an example, not a limitation, when the sort icon is touched, the order of the column items in the list is sorted by business type of the business operator and in alphabetical order of the affiliated bank name or the issuing business operator name. FIG. 3-11 shows the list after sorting by sorting. In addition to the business type and alphabet, the sort index may be configured so that it can be changed to other indexes such as the Japanese syllabary and the registration date and time, or a combination of these indexes. It does not have to be.

When the camera icon located on the right side of "Add card" is touched, the camera 27 of the terminal 20 can be used, and when the user images his / her own electronic money card with the camera 27, the terminal 20 displays the image capture result. Based on this, the issuer who issued the electronic money card is recognized based on the name or design of the issuer stamped on the electronic money card. Then, the terminal 20 displays only the column items of the issuer in the list, not as a limitation but as an example. As a result, the user can easily display the column items of the issuer who issued the electronic money card imaged by the camera 27 in the list. In particular, when the list contains a large number of column items, the user's search time for the desired column items can be effectively reduced.

FIG. 3-12 is displayed when the virtual cash card icon of "QQ Bank" and the virtual cash card icon of "RR Bank" are added as compared with the application screen shown in FIG. 3-10. It is a figure which shows an example of an application screen.
When the sort icon located on the right side of "My Card" is touched, it is possible to rearrange the order of the registered virtual cash card and virtual electronic money card. As an example, not a limitation, when the sort icons are touched, these icons are arranged in a Z-shaped pattern according to the business type of the business operator and in alphabetical order of the affiliated bank name or the issuing business operator name. In addition to the business type and alphabet, the sort index may be configured so that it can be changed to other indexes such as the Japanese syllabary and the registration date and time, or a combination of these indexes. It does not have to be.

In this modification, the input / output unit 23 (not limited, but an example of the fourth receiving means) accepts registration of a plurality of services related to electronic money. Then, the display unit 24 displays a list of the accounts of the plurality of registered financial institutions and the plurality of registered services on the same screen.
This makes it possible for the user to check the accounts of a plurality of registered financial institutions and the plurality of registered services on the same screen.

Further, in this modified example, the accounts of a plurality of registered financial institutions and a plurality of registered services can be classified by operating the sort icon, so that the convenience of the user can be improved. ..

<Modification example (5)>
In the above embodiment, the payment application processing unit 211 of the terminal 20 has described the configuration of accepting the registration of the cash card based on the user's operation. However, the payment application processing unit 211 is registered in an application different from the payment application. It may or may not be configured to accept cash card registration based on the information of the financial institution's account or the financial institution's account managed by the application.

Specifically, as an example, not limited to, the storage unit 28 of the terminal 20 stores a household account book application that manages the income and expenditure of the user of the terminal 20 and cooperates with the account of the financial institution. Further, the storage unit 28 stores, as an example, not limited to, account information indicating an account for the household account book application to cooperate with an account of a financial institution.

Account information includes, but is not limited to, the store number, account type, account number and PIN of the financial institution's account, as well as the user's surname, first name and date of birth. The household account book application accesses the bank server 40 managed by the financial institution based on the account information, and acquires information including usage details from the bank server 40 by communication I / F14. The household account book application manages the income and expenditure of the user of the terminal 20 based on the information including the acquired usage details and the like.

The payment application is not limited, but as an example, on the application screen shown in FIG. 3-3, an icon for making the account information of the financial institution registered in the household account book application available is displayed. When the icon is touched by the user of the terminal 20, the payment application displays the application screen shown in FIG. 3-3, acquires the account information stored in the storage unit 28, and stores the store number included in the account information. , Account type, account number, surname, first name, PIN and date of birth, enter "Store number", "Account type", "Account number", "Last name", "First name", "PIN" in the input list. Display in each input field of "Number" and "Date of birth". When the user of the terminal 20 touches the authentication button, the bank server 40 executes the authentication based on the information input in the input list.

In this modification, the payment application processing unit 211 (not limited, but an example of acquisition means) acquires the account information of the household account book application in which the account of the financial institution is registered from the storage unit 28. The input / output unit 23 accepts the registration of the account of the financial institution based on the registered account specified from the acquired account information.
As a result, the account of the financial institution can be easily registered as a candidate for charging the electronic money based on the account information of the registered application.

1 Communication system 10 Server 20 Terminal 30 Network 40 Bank server 50 ATM

Claims (13)

The first reception means that accepts the registration of accounts of multiple financial institutions as candidates for charging electronic money,
Target financial institution for accepting the target amount, charging the target amount to the electronic money from the registered accounts of the plurality of financial institutions, and withdrawing the target amount of the electronic money from the cash machine. Second reception means for accepting account selection and withdrawal instructions,
In response to the selection of the target amount, the account of the target financial institution, and the withdrawal instruction, the target amount is charged to the electronic money from the account of the target financial institution, and the charged target amount is charged. With a display means for displaying information for withdrawing from the cash machine.
A terminal equipped with. The terminal according to claim 1.
The display means does not require a charge instruction to the electronic money, which is different from the withdrawal instruction, and the target amount is charged to the electronic money from the account of the target financial institution, and the cash of the target amount charged. Display a screen to realize withdrawal from an automated teller machine,
Terminal. The terminal according to claim 1 or 2.
The display means displays, as reception information for receiving the withdrawal instruction, information concealed that the target amount is charged to the electronic money from the account of the target financial institution.
Terminal. The terminal according to any one of claims 1 to 3.
Further provided with a third reception means for receiving a charge instruction to the electronic money different from the withdrawal instruction,
The display means displays information different from the reception information for receiving the charge instruction as the reception information for receiving the withdrawal instruction.
Terminal. The terminal according to any one of claims 1 to 4.
The display means
The first screen for accepting the selection of the account of the target financial institution and
A second screen including the account information of the target financial institution based on the selection of the account on the first screen and the reception information for accepting the withdrawal instruction.
To display,
Terminal. The terminal according to any one of claims 1 to 5.
The display means displays the account balance of the target financial institution and displays it.
The second receiving means receives the withdrawal instruction with the account balance as the upper limit of withdrawal.
Terminal. The terminal according to any one of claims 1 to 6.
The display means displays at least one of a history of deposits to the account of the target financial institution and a history of withdrawals from the account of the target financial institution.
Terminal. The terminal according to any one of claims 1 to 7.
The display means displays a list of registered accounts of the plurality of financial institutions.
Terminal. The terminal according to claim 8.
Further equipped with a fourth reception means that accepts registration of multiple services related to electronic money,
The display means displays a list of the registered accounts of the plurality of financial institutions and the registered services of the plurality of financial institutions on the same screen.
Terminal. The terminal according to claim 9.
The display means displays information for accepting an operation of classifying the registered accounts of the plurality of financial institutions and the registered plurality of services.
Terminal. The terminal according to any one of claims 1 to 10.
It also has an acquisition method to acquire the account information of the application that has registered the account of the financial institution.
The first reception means accepts the registration of the account of the financial institution based on the registered account specified from the acquired account information.
Terminal. Accepting registration of accounts of multiple financial institutions as candidates for charging electronic money,
Target financial institution for accepting the target amount, charging the target amount to the electronic money from the registered accounts of the plurality of financial institutions, and withdrawing the target amount of the electronic money from the cash machine. To select an account and accept withdrawal instructions,
In response to the selection of the target amount, the account of the target financial institution, and the withdrawal instruction, the target amount is charged to the electronic money from the account of the target financial institution, and the charged target amount is charged. To display information for withdrawing from the cash machine
Information processing methods including. On the computer
Accepting registration of accounts of multiple financial institutions as candidates for charging electronic money,
Target financial institution for accepting the target amount, charging the target amount to the electronic money from the registered accounts of the plurality of financial institutions, and withdrawing the target amount of the electronic money from the cash machine. To select an account and accept withdrawal instructions,
In response to the selection of the target amount, the account of the target financial institution, and the withdrawal instruction, the target amount is charged to the electronic money from the account of the target financial institution, and the charged target amount is charged. To display information for withdrawing from the cash machine
A program to execute.

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