JP7209769B2 - Information management device, service providing system, information processing system, information management method, and program - Google Patents

Description

The present invention relates to an information management device, a service providing system, an information processing system, an information management method, and a program.

2. Description of the Related Art Conventionally, an authentication processing system that performs processing related to authentication has been disclosed (see Patent Document 1). This authentication processing system performs the following processing. When the communication terminal accesses the web server, an authentication key and a message application activation button are displayed on the login screen of the communication terminal. When the activation button is operated, the message application is activated and the message body input screen is displayed. When the authentication key is entered on the screen and a message is sent to the authentication assistance server, this authentication assistance server sends the application ID and the authentication key included in the message to the web server. When the application ID belongs to the registered user, the web server identifies the communication terminal from the authentication key and permits login.

Japanese Patent No. 6080282

However, in some cases, the conventional technology cannot be said to be sufficiently convenient for the user. Also, from another point of view, there were cases where the service could not be provided smoothly.

The present invention has been made in consideration of such circumstances, and provides an information management device, a service providing system, an information processing system, an information management method, and a program that can improve user convenience. is one of the purposes. Another object of the present invention is to provide an information management device, a service providing system, an information processing system, an information management method, and a program that can smoothly provide services.

According to one aspect of the present invention, an acquisition unit acquires a plurality of pieces of user registration information held by providers of the plurality of services as information for a user to use each of the plurality of services; and a processing unit that aggregates the user registration information acquired by the information management device.

According to one aspect of the present invention, user convenience can be improved. In addition, services can be provided smoothly.

1 is a diagram showing an example of a configuration of an information processing system 1; FIG. 2 is a diagram showing an example of a functional configuration of a settlement server 20; FIG. 3 is a diagram showing an example of a functional configuration of an information management device 60; FIG. FIG. 10 is a diagram showing an example of an interface screen IM1; 4 is a diagram showing an example of information acquired by an information management device 60; FIG. FIG. 10 is a diagram showing an example of an interface screen IM2; 6 is a diagram showing another example of information acquired by the information management device 60. FIG. FIG. 3 is a diagram showing an example of information input to an input interface screen IM1 and an interface screen IM2; 7 is a diagram for explaining integrated information 78; FIG. 3 is a sequence diagram showing an example of the flow of processing executed by the information processing system 1; FIG. FIG. 7 is a diagram showing an example of an interface screen IM3 displayed when information acquired by another service server 40 is acquired from the information management device 60 and used. 4 is a diagram showing an example of an interface screen IM4 for confirming information that a user has provided to another service server 40 in the past. FIG. FIG. 10 is a diagram showing an example of an interface screen IM5; FIG. 10 is a diagram for explaining consideration exchanged between the information management device 60 and the service server 40; FIG. 2 is a diagram (part 1) for explaining processing executed by the settlement server 20 and the terminal device 10; FIG. 2 is a diagram (part 2) for explaining processing executed by the settlement server 20 and the terminal device 10; FIG. 4 is a diagram for explaining the degree of withdrawal between users who need to upload certificates and users who do not.

Hereinafter, embodiments of an information management device, a service providing system, an information processing system, an information management method, and a program according to the present invention will be described with reference to the drawings.

The information management apparatus of this embodiment acquires a plurality of pieces of user registration information held by each of a plurality of service providers as information for a user to use each of a plurality of services, and acquires the acquired user registration information. Aggregate information. Further, the information management device extracts item information that is not held by the provider of a predetermined service that the user is trying to use from a plurality of pieces of user registration information, and sends the extracted item information to the provider of the predetermined service. offer.

The service provider is, for example, a server device that provides the service. For example, when using the above service, the user accesses the server device and registers user registration information (information to be registered when using the service, including multiple item information such as name and address). Sometimes. The information management device collects these pieces of information and aggregates or integrates them. The information management device provides the server device of the predetermined service with information that the server device of the predetermined service does not have from the aggregated or integrated information. Aggregation or integration means organizing the acquired user registration information (or item information of user registration information) for each user and for each item information. Organizing means, for example, making it possible to easily extract information required by the service server. For example, it is a process of generating integrated information (aggregated information), which will be described later. Details will be described below.

[Information processing system]
FIG. 1 is a diagram showing an example of the configuration of an information processing system 1. As shown in FIG. The information processing system 1 includes, for example, one or more terminal devices 10, a settlement server 20 (service providing unit), a plurality of service servers 40-1 and 40-2, and an information management device 60. The information processing system 1 may have a plurality of service servers, not limited to the service servers 40-1 and 40-2. Hereinafter, the service servers 40-1 and 40-2 are referred to as the service server 40 when not distinguished from each other.

The terminal device 10, the settlement server 20, the service server 40, and the information management device 60 communicate via the network NW. The network NW includes a WAN (Wide Area Network), a LAN (Local Area Network), the Internet, a cellular network, and the like.

The terminal device 10 is a computer device having a communication function and a display function, such as a smart phone, a personal computer, or a tablet terminal. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser and an application program operate in cooperation to display content on the display unit of the terminal device 10. , various processes are executed.

The settlement server 20, for example, provides the terminal device 10 with content in response to a request transmitted by the terminal device 10, activates an application installed in the terminal device 10, and communicates with the activated application program. It sends and receives various types of information and provides content. Various types of processing are, for example, settlement processing using electronic money. Details of the settlement server 20 will be described later.

[Service server]
The service server 40 is, for example, a server device that provides the terminal device 10 with content in response to a request transmitted by the terminal device 10, or an application installed in the terminal device 10 is activated and communicates with the activated application program. It is a server device that performs transmission and reception of various types of information and provides content. The service server 40 provides, for example, news services, shopping services, auction services, matching services, stock trading services, banking services, social network networking services, navigation services, etc. via the network. . Note that the settlement server 20 is an example of the service server 40 .

The service server 40 acquires, from the information management device 60, part or all of user information (for example, item information of user registration information) for determining whether or not to provide the service provided by the service server to the user. and determining whether to provide the service to the user based on the obtained information.

FIG. 2 is a diagram showing an example of the functional configuration of the settlement server 20. As shown in FIG. The payment server 20 provides electronic payment services. The payment server 20 includes an acquisition unit 22, a payment management unit 24, a payment processing unit 26, and a storage unit 30, for example. The acquisition unit 22, the payment management unit 24, and the payment processing unit 26 execute a program stored in a storage device by a processor such as a CPU, and perform processing related to payment, which will be described later. The storage unit 30 stores payment service information 32 . The payment service information 32 includes, for example, user identification information, the amount of money the user can use (charge amount), and information related to past payments made by the user.

The acquisition unit 22 acquires information transmitted by the payment application program installed in the terminal device 10 . The payment management unit 24 manages information acquired by the acquisition unit 22 . For example, the payment management unit 24 manages the acquired information as payment service information 32 . The payment processing unit 26 performs electronic payment processing in cooperation with a payment application program, a shop terminal (not shown) that can use the payment service provided by the payment server, and the like. The settlement server 20, for example, manages accounts of service providers that provide services to users and stores to be traded, and remittance of electronic money between accounts in accordance with settlement requests from users and stores. Realize various settlements.

For example, a user presents a screen displaying code information (e.g., bar code, QR code (registered trademark), etc.) generated by a payment application program to a store clerk, and the store terminal reads the code information with a scanner or the like. Then, the amount set in the store terminal, the store identification information, and the user identification information are transmitted to the settlement server 20 . For example, user identification information is encoded in the code information, and the store terminal decodes the code information to acquire the user identification information, and furthermore, stores the store identification information held in advance and settles the amount to be settled. Send to server 20 . The settlement server 20 deducts the amount transmitted from the store terminal from the user's charged balance, and performs settlement by associating a predetermined amount of the deducted amount with the identification information of the store.

For example, when the user reads the code information specified by the store with the terminal device 10, operates the terminal device 10 to input the amount to be paid, and performs an operation for making a payment, the payment server 20 performs the above operation. The corresponding information, the identification information of the store, and the identification information of the user are acquired from the terminal device 10 . Then, the settlement server 20 deducts the transmitted amount from the user's charged balance, and performs settlement by associating a predetermined amount of the deducted amount with the identification information of the store.

The user inputs predetermined information (user registration information) into the terminal device 10, provides the input information to the settlement server 20, and registers the provided information on the settlement server 20, whereby the user can use the settlement service. becomes.

[Information management device]
FIG. 3 is a diagram showing an example of the functional configuration of the information management device 60. As shown in FIG. The information management device 60 includes, for example, an acquisition unit 62, an information management unit (processing unit) 64, a provision unit 66, a consideration management unit 68, and a storage unit . The acquisition unit 62, the information management unit 64, the provision unit 66, and the price management unit 68 are implemented by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device. All the above components need not be implemented by a single processor, and distributed processing by a plurality of processors may be performed as appropriate. Also, part or all of the functional configuration of the information management device 60 may be included in the settlement server 20 .

The acquisition unit 62 acquires information provided by the payment server 20 and the service server 40 . The information management unit 64 causes the storage unit 70 to store the information acquired by the acquisition unit 62 . The storage unit 70 stores, for example, payment service user information 72, first service user information 74, second service user information 76, integrated information 78, and the like.

The payment service user information 72 is information about the user (user registration information such as name and address) provided to the payment server 20 by the user. The first service user information 74 is user-related information (for example, user registration information) provided by the user to the service server 40-1, and the second service user information 76 is user-related information provided by the user to the service server 40-2. information (for example, user registration information). The integrated information 78 is information that integrates the settlement service user information 72 , the first service user information 74 and the second service user information 76 .

In response to a request from the service server 40 or another service server 40 (not shown), the providing unit 66 provides predetermined information of the integrated information to the service server 40 that is the source of the request. When the provision unit 66 provides the service server 40 with item information that the service server 40 does not have, the price management unit 68 performs processing for obtaining a price from the service server 40 . The process for obtaining consideration is the process of electronically giving and receiving consideration.

[Processing (1) for the user to receive payment service]
When a user uses a settlement service, user information is provided to the settlement server 20 in advance. For example, the user inputs various information to an application program that cooperates with the payment server 20 or an interface screen IM1 provided by the payment server 20 and displayed on the display unit of the terminal device 10 .

FIG. 4 is a diagram showing an example of the interface screen IM1. The interface screen IM1 includes entry fields for entering, for example, a telephone number, email address, name, nationality, date of birth, gender, address, and the like. The information entered in the input fields is transmitted from the terminal device 10 (application program) to the information management device 60, as shown in FIG. The information management device 60 stores the transmitted information in the storage unit 70 as payment service user information 72 . In this way, the user can use the settlement service by registering the user information determined for the service.

[Process (2) for user to receive payment service]
When a user uses a predetermined service in the settlement service, the predetermined service can be used by registering user information that is more detailed than the user information described above. The predetermined service is, for example, a deferred payment service. A deferred payment settlement service is a service that enables settlement by the administrator bearing the usage amount of the user even when the charge balance is insufficient. The user is required to return the amount borne by the administrator during a specified period such as the next month.

FIG. 6 is a diagram showing an example of the interface screen IM2. The interface screen IM2 includes, for example, input fields for inputting other information in addition to the information input on the interface screen IM1. Other information includes, for example, the presence or absence of a spouse, number of children, annual income, information on whether the residence is owned or rented, place of work, telephone number of the place of work, and the like. The information entered in the input fields is transmitted from the terminal device 10 (application program) to the information management device 60, as shown in FIG. The information management device 60 causes the storage unit 70 to store the transmitted information. In this way, when a user registers user information determined for a predetermined service, the user can use the predetermined service.

In the interface screen IM2 in FIG. 6, the information input in the interface screen IM1 in FIG. 4 may be preset and may be already input, or the input may be omitted. In this case, the terminal device 10 may omit transmitting preset information to the information management device 60 .

As described above, the information management device 60 can acquire information input to the input interface screen IM1 and the interface screen IM2. FIG. 8 is a diagram showing an example of information input to the input interface screen IM1 and the interface screen IM2.

The information management device 60 acquires information that other service servers 40 request from the user and integrates the acquired information to generate integrated information in the same manner as the user information is acquired from the settlement server 20 . The integrated information 78 is information comprehensively summarizing information about each user based on information acquired from the settlement server 20 and the service server 40 . The information management device 60 organizes the user information acquired from service providers (for example, the first service provider and the second service provider) included in the plurality of acquired services by item information of the user information. Aggregated integrated information 78 is generated.

FIG. 9 is a diagram for explaining the integrated information 78. As shown in FIG. As shown in FIG. 9, item information "Yamada XX", which is specific information of information 1 (for example, name) of the user with user ID "001", and item information "Shinjuku, Tokyo" for information 2 (for example, address). Ward XX 1-chome 1”) is provided by the service server 40-1 that provides service 1, and item information “090-XXXX-XXXX”) of user information 3 (for example, telephone number), information 4 (for example, mail address) is provided by the service server 40-2 that provides the service 2, and the item information of the user information 5 (for example, date of birth) is month XX") is provided by the service server 40-3 that provides the service 3, and the item information ``XX Co., Ltd.'' in the user information 6 (for example, place of work) is provided by the service server 40- N, and these pieces of information are stored as integrated information 78 . The information management device 60 associates the user information acquired from each service server 40 with the user, organizes the information for each item information, and generates integrated information 78 .

For example, when the information management device 60 acquires user information from a provider of a predetermined service included in a plurality of services, the information management device 60 stores item information of the same type as the item information provided by the provider of the predetermined service in the integrated information 78. is not associated, the integrated information 78 is generated by associating the item information of the user's registration information provided by the provider of the predetermined service with the integrated information 78 .

For example, when the information management device 60 acquires user information from a provider of a predetermined service included in a plurality of services, the information management device 60 stores other information of the same type as the item information provided by the provider of the predetermined service in the integrated information 78 . When item information of user information provided by a provider of a predetermined service is associated, the following processing may be performed. For example, the information management device 60 may associate item information provided by a predetermined service provider with the integrated information 78 in addition to item information provided by another service provider of the integrated information 78 . For example, in this case, the integrated information 78 is associated with a plurality of item information of the same type. Further, the information management device 60 may update the item information of the integrated information 78 to item information provided by another service provider. For example, when another service confirms to the user that the item information is the latest, the information management device 60 updates the item information based on the confirmation result.

For example, the following processing may be performed when the integrated information 78 is generated. The information management device 60 determines that information is user information based on part or all of the content of information acquired from a plurality of service providers, the type of information, the format of information, or a label associated with the information. When it is determined, the information is aggregated as user information. The information management device 60 recognizes the content of the information, and if it determines that the information is information such as the name, address, or e-mail address of the target user managed by the integrated information 78, the information is used as user information. It is associated with the target item of the integrated information 78 . For example, when the information management device 60 determines that the format of the information is a predetermined format, the information management device 60 associates the information with the target item of the integrated information 78 as user information. For example, if there is "@" after alphabets, numbers, or a combination thereof, and a character string presumed to be a domain such as "****.com" is included after "@", the information management device 60 This information is identified as the user's email address. The information management device 60 may estimate the domain based on dictionary information held in advance, and if it has a predetermined character string (for example, ".com"), this information is estimated to be a mail address. . In addition, the information management device 60 receives from the service provider a label indicating the type of item information (for example, a label indicating name information or a label indicating email address information) and information of that label. may be obtained, and integrated information 78 may be generated based on the obtained information.

For example, the form of information transmitted to the information management device 60 may differ for each service server 40 . In this case, the information management device 60 can determine what item information the acquired information corresponds to by referring to the content, type, format, label, etc. of the information as described above. For example, service server 40-1 may transmit "email;XXX@XXX.com" and service server 40-2 may transmit "mail address;XXX@XXX.com". Even if there is a difference in the notation of the item of the mail address, the information management device 60 analyzes the meaning of predetermined dictionary information, keywords, and characters, and identifies them as the mail address. can be determined. In this way, even when the service server 40 provides information in different formats, the information management device 60 performs so-called name identification in consideration of the similarity of the specific information format, etc. It is possible to match whether it corresponds to the item information. Also when the service server 40 receives information from the information management device 60, the type of the received information may be determined in consideration of the similarity of the information format as described above.

In this way, the information management device 60 can acquire detailed user information by integrating the information acquired from the settlement server 20 and the service server 40 and complementing the information.

[sequence]
FIG. 10 is a sequence diagram showing an example of the flow of processing executed by the information processing system 1. As shown in FIG. First, the terminal device 10 requests the service server (settlement server 20 or service server 40) to provide a service (S100). Next, the service server 40 requests the terminal device 10 to transmit user identification information (S102).

Next, the terminal device 10 receives input of identification information based on the user's operation (S104), and transmits the received identification information to the service server 40 (S106). Next, the service server 40 acquires the identification information transmitted by the terminal device 10, and requests the information management device 60 to provide the user information associated with the acquired identification information (S108). Next, the information management device 60 extracts user information from the integrated information based on the user's identification information (S110), and provides the extracted user information to the service server 40 (S112).

In the above example, the service server 40 may request the information management device 60 to provide user information that is not held by the device itself and is necessary for providing the service. For example, the service server 40 holds the user's name and address, but does not hold information such as annual income and family composition, and if this information is used for examination when providing services, this information may be requested to the information management device 60 to provide the In this case, the information management device 60 extracts item information not held by the service server 40 from the integrated information 78 in which the user information is aggregated in response to the request, and provides the extracted item information to the service server 40 . As a result, it is possible to reduce the processing load on the information management device 60 and improve convenience for the user.

In S112 above, the service server 40 acquires the user information from the information management device 60, and the information necessary for providing the service is prepared based on the acquired information, and the information satisfies the conditions for providing the service. If so, the service server 40 provides the service to the user.

The service server 40 acquires the user information from the information management device 60 in S112, and the acquired information provides the information necessary for providing the service. If not, the service server 40 provides the user with information indicating that the service cannot be provided to the user.

If the service server 40 acquires the user information from the information management device 60 in S112 described above, and even the acquired information does not provide the information necessary to provide the service, the service server 40 will provide the user with the missing information. Request for provision (S114).

Next, the terminal device 10 accepts input of missing information from the user (S116), and transmits the accepted information to the service server 40 (S118). Next, the service server 40 registers the transmitted information, determines whether or not the conditions for providing the service using the transmitted information are satisfied (S120), and transmits the transmitted information. It is provided to the information management device 60 (S122).

As described above, the service server 40 can acquire the missing information from the information management device 60 when the information management device 60 has the missing information.

For example, the information management device 60 extracts, from user information, item information that is not held by a provider of a predetermined service that the user intends to use, and provides the extracted item information to the provider of the predetermined service. may For example, the information management device 60 may acquire item information and user identification information specified by a predetermined service, and extract item information to be provided to the predetermined service from the integrated information 78 based on the acquired information. .

In addition, the information management device 60 acquires item information held by the predetermined service server 40 and compares the acquired item information with the integrated information 78 to determine whether the predetermined service server 40 does not have item information. User information may be extracted from the integrated information 78 and the extracted information may be provided to the service server 40 . For example, the information management device 60 determines whether the item information acquired from the other service server 40 matches the item information of the same type included in the integrated information 78 for a predetermined user. The item information that does not match may be extracted and the extracted item information may be provided to the service server 40 . For example, if the item information “address” of the user does not match but the other item information matches, the item information “address” that does not match is provided to the service server 40 . Thereby, the service server 40 can confirm the correct address with the user and confirm the credibility of the information.

When item information is provided to the service server 40, the information management device 60 may obtain the user's confirmation result of the provided information and update the integrated information 78 based on the obtained confirmation result. . For example, if the user who has confirmed the provided item information is old and provides the service server 40 with an instruction to update the item information and the item information for updating, the information management device 60 receives the item information from the service server 40. , information to that effect and new item information may be acquired, and the integrated information 78 may be updated based on the acquired item information.

When acquiring information acquired by another service server 40 from the information management device 60 and using it, the service server 40 may inquire of the user or preset the information on the interface screen.

FIG. 11 is a diagram showing an example of an interface screen IM3 displayed when information acquired by another service server 40 is acquired from the information management device 60 and used. For example, on the interface screen IM3, an operation button for permitting the use of information input in another service as it is without displaying it on the interface screen IM3, or an input button in another service to save the user from having to input information. An operation button may be included for instructing to preset the obtained information in the items of the interface screen IM3. When an operation button instructing presetting is operated, the information provided by the information management device 60 is preset in the corresponding item of the interface screen IM3.

When an operation button for permitting the use of information input in another service is operated, for example, the interface screen IM4 of FIG. 12 is displayed on the display unit of the terminal device 10. FIG. FIG. 12 is a diagram showing an example of an interface screen IM4 for confirming information that the user has provided to other service servers 40 in the past. The interface screen IM4 includes, for example, information such as a telephone number provided by the user to another service server in the past, an e-mail address, and an address.

For example, the user confirms the information contained in the interface screen IM4, compares the information provided in the past with the current information, makes corrections if necessary, and presses the registration button if corrections are not required. Information can be updated by operating. The updated information is transmitted to the service server 40 and the information management device 60, and the service server 40 and the information management device 60 update the user's information. The service servers 40 to which the updated information is transmitted include the service servers 40 that acquired the information before being updated from the information management device 60 in the past. Therefore, when it is found that the information has been updated in the processing between the predetermined service server 40 and the user, the service server 40 having the information before the update has also updated the information, and the information has been updated. content is provided.

FIG. 13 is a diagram showing an example of the interface screen IM5. For example, when the service server 40 cannot acquire necessary information from the information management device 60, an interface screen IM5 for the user to input necessary information is displayed on the display unit of the terminal device 10. FIG. For example, the service server 40 requires the user's last year's annual income and length of service, but if it cannot obtain this information from the information management device 60, it requests the user to provide the information. . In this way, the user can be asked to provide only the missing information.

[About compensation]
The information management device 60 may acquire the consideration from the service server 40 . FIG. 14 is a diagram for explaining consideration exchanged between the information management device 60 and the service server 40. As shown in FIG. For example, when the user requests the service server 40 to provide the first service, and the service server 40 acquires the user information from the information management device 60, the administrator of the service server 40 provides the administrator of the information management device 60 with compensation. Pay.

When the user requests the service server 40 to provide the second service and the service server 40 acquires the user information from the information management device 60, the administrator of the service server 40 pays the administrator of the information management device 60. . The second service is a service for which it is determined whether to provide the service to the user based on more detailed user information than the first service. The price corresponding to the second service is set higher than the price corresponding to the first service. For example, the first service is registration for using a settlement service, and the second service is a service of setting up a loan or a service of borrowing money.

For example, the user may access the information management device 60 (or the service server 40) and update the user information when the user information is changed. In this case, the information management device 60 may provide updated user information to the service server 40 holding the user information. Thereby, the service server 40 can update the user information by obtaining the updated information from the information management device 60 even if the user information is not directly updated from the user.

When the service server 40 contributes to the generation of the integrated information 78 or the update of the integrated information 78, the service server 40 may be given a discount on the payment of the above consideration, or given an incentive. For example, the service server 40 acquires user information from the user and provides the acquired user information to the information management device 60 . If the item information of this user information is not associated with the integrated information 78 and is newly associated with the integrated information 78, or if the item information is already registered but the already registered information is different from the user information acquired this time. When the processing of the service server 40 contributes to the generation or update of the integrated information 78, such as when the user information registered in the user information acquired this time is updated, the degree of contribution of the service server 40 Discounts and incentives are given accordingly.

[Specific example (Part 1)]
FIG. 15 is a diagram (part 1) for explaining the processing executed by the settlement server and the terminal device 10. As shown in FIG. The payment server 20 cooperates with the payment application program installed in the terminal device 10 of the user to display a plurality of types of icons (mini-application icons) for starting application programs related to services different from the electronic payment service. Displayed on the display unit of the device 10 .

An interface screen IM6 is displayed on the display unit of the terminal device 10 . A plurality of mini-app launch icons are displayed on the interface screen IM6. A mini-app is an application developed by a service provider that supports mini-apps so that it can be activated within a payment service. For example, a mini app starts within an electronic payment application program and displays various screens using the web view function. When the mini-appli is activated, the terminal device 10 accesses the URL (Uniform Resource Locator) of the service server 40 associated with the mini-appli, and uses the web view function to display the content provided by the service server 40 on the display unit. . Mini-apps include various mini-apps such as a taxi dispatch app, a shopping app, a flea market app, a bank app, and a loan app, for example.

When an icon is operated, the terminal device 10 is caused to access the service server 40 associated with the icon, and content provided by the service server 40 is displayed on the display section of the terminal device 10 . The service server 40 provides a service corresponding to the icon to the terminal device 10 of the user in cooperation with the payment application program according to the operation of the icon. An icon is set with a link to content provided by the service server 40 that provides the service corresponding to the icon. The settlement server 20 and the settlement application program cooperate to display the content provided by the service server 40 on the terminal device 10 . Cooperating means, for example, that the payment server 20 provides in advance the access destination (link) of the content provider to the payment application program.

For example, when the user performs a tap operation on an already installed loan application, the loan application is activated and an interface screen IM6A provided by the loan application (content provided by the service server 40 corresponding to the loan application) is displayed. displayed in the The interface screen IM6A is a screen for inputting user information for applying for a loan. For example, if the settlement server 20 or the information management device 60 does not hold user information, and the user inputs the user information, the screen transitions to the interface screen IM6B. Interface screen IM6B is a screen for uploading a certificate issued by a public institution.

On the interface screen IM6B, the user uploads a certificate, and the service server 40 that provides the loan service examines the loan based on the certificate and the input user information. The service server 40 transmits the loan examination result to the terminal device 10 . For example, the amount that the user can borrow is displayed on the display unit of the terminal device 10 as a loan examination result.

[Specific example (Part 2)]
FIG. 16 is a diagram (part 2) for explaining the processing executed by the settlement server and the terminal device 10. As shown in FIG. Differences from the description of FIG. 15 will be described. For example, if the settlement server 20 or the information management device 60 holds user information and certificate information, the user information is preset on the interface screen IM7A. When the user confirms the preset information, the transition to the interface screen IM7B (the screen corresponding to the interface screen IM6B in FIG. 15) is omitted, and the transition to the interface screen IM7C is performed.

FIG. 17 is a diagram for explaining the degree of withdrawal between users who need to upload certificates and users who do not. The vertical axis in FIG. 17 indicates the degree of detachment. For example, a user who needs to upload a certificate tends to withdraw from performing the procedure before the procedure is completed due to the complexity of the upload, and has a tendency to withdraw at a predetermined degree or more. On the other hand, if uploading is omitted by providing certificate information from the information management device 60 as described above, the complexity of the procedure is eliminated, and it is predicted that the degree of withdrawal tends to decrease. be done.

As described above, the information management apparatus 60 provides information that the service server 40 lacks, thereby saving the user the trouble of inputting information and improving the user's convenience. By improving convenience for the user, the degree of withdrawal during the procedure is suppressed. As a result, the opportunities for users to use services are improved, which is favorable for service providers as well. In this way, the service is provided smoothly.

As described above, according to the information processing system 1, a plurality of pieces of user registration information held by each of the plurality of service providers are acquired as information for the user to use each of the plurality of services. , from a plurality of pieces of user registration information, item information (for example, information necessary for using the service) that is not held by the provider of the predetermined service that the user is trying to use is extracted, and the extracted item information is transferred to the predetermined service. The user's convenience can be improved by providing the information to the provider of the information. Further, the information processing system 1 aggregates a plurality of user registration information held by each of the plurality of service providers as information for the user to use each of the plurality of services, so that the service server can Since the information to be used can be easily provided to the service server, convenience for the administrator of the service server and the user who uses the service can be improved.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

Reference Signs List 1 information processing system 10 terminal device 20 payment server 22 acquisition unit 24 payment management unit 26 payment processing unit 30 storage unit 40 service server 60 information management device 62 Obtaining unit 64 Information management unit 66 Providing unit 70 Storage unit 72 Settlement service user information 74 First service user information 76 Second service user information 78 Integrated information

Claims (22)

an acquisition unit that acquires a plurality of pieces of user registration information held by providers of the plurality of services as information for a user to use each of the plurality of services;
a processing unit that aggregates the user registration information acquired by the acquisition unit;
A service application including a plurality of mini-apps activated in a service provided by a service application installed in a terminal device displays information about the service of the service application on the display unit of the terminal device, and information within the service application. Icons corresponding to each of the plurality of mini-apps that are activated and cooperate with service servers corresponding to the mini-apps to provide services, and icons corresponding to the plurality of mini-apps included in the plurality of mini-apps. When the first mini app icon is operated,
The processing unit transfers user certificate information and personal information including at least the name and address of the user to a first service server corresponding to the first mini-appli and to the first mini-appli. The first mini-app cooperates with the first service server to start providing the first service to the user in order to examine the user registration information included therein and provide the first service to the user. providing said user registration information, which said first service server does not have, which is necessary for examination using said certificate information and said personal information, to said first service server; In order to allow the user to confirm the information and omit the uploading of the certificate information, the personal information is preset in the input field of the second interface screen displayed on the display unit by the first mini-application. to display
Information management device. The processing unit is
The information is registered as a user based on part or all of the content of the information, the type of the information, the format of the information, or a label associated with the information, which the acquisition unit acquires from the providers of the plurality of services. If it is determined to be information, aggregate the information as user registration information,
The information management device according to claim 1. The processing unit is
Aggregated information obtained by sorting and aggregating the user registration information acquired from the first service provider and the second service provider included in the plurality of services acquired by the acquisition unit for each item information of the user registration information to generate
The information management device according to claim 1 or 2. The processing unit is
When the acquisition unit acquires the user registration information from a provider of a third service included in the plurality of services, an item of the same type as the item information provided by the provider of the third service in the consolidated information if the information is not associated, associate the item information of the registered information of the user provided by the provider of the third service with the aggregated information;
The information management device according to claim 3. The processing unit is
When the acquisition unit acquires the user registration information from a provider of a third service included in the plurality of services, in the aggregated information, the item information of the same type as the item information provided by the provider of the third service When the item information of the user registration information provided by the provider of the first service or the provider of the second service is associated, the provider of the first service of the aggregated information or the provider of the second service In addition to the item information provided by the source, the item information provided by the provider of the third service is further associated with the aggregated information, or the item information of the aggregated information is provided by the provider of the third service. update to the item information
5. The information management device according to claim 3 or 4. The processing unit is
extracting item information of the user registration information that is not held by a provider of a predetermined service that the user intends to use from the plurality of pieces of user registration information;
further comprising a providing unit that provides the extracted item information to a provider of the predetermined service;
The information management device according to any one of claims 1 to 5. The acquisition unit acquires the plurality of pieces of user registration information together with identification information of the user,
The processing unit is
generating aggregated information in which the plurality of pieces of user registration information are aggregated for each of the user identification information;
By comparing the item information of the user registration information possessed by the provider of the predetermined service which the user intends to use with the aggregated information, items not possessed by the provider of the predetermined service extracting information from the aggregated information;
further comprising a providing unit that provides the extracted item information to a provider of the predetermined service;
The information management device according to any one of claims 1 to 6. The acquisition unit acquires the plurality of pieces of user registration information together with identification information of the user,
The processing unit is
generating aggregated information in which the plurality of pieces of user registration information are aggregated for each of the user identification information;
extracting item information of the user registration information requested by a provider of a predetermined service that the user intends to use from the aggregated information;
further comprising a providing unit that provides the extracted item information to a provider of the predetermined service;
The information management device according to any one of claims 1 to 7. The processing unit is
acquiring item information of the user registration information held by the provider of the predetermined service from the provider of the predetermined service that the user intends to use;
Extracting user item information included in aggregated information in which the user registration information is aggregated, although not held by the provider of the predetermined service;
further comprising a providing unit that provides the extracted item information to a provider of the predetermined service;
The information management device according to any one of claims 1 to 8. The processing unit is
acquiring item information of the user registration information held by the provider of the predetermined service from the provider of the predetermined service that the user intends to use;
Determining whether or not the acquired item information matches item information of the same type included in aggregated information obtained by aggregating the registered information of the user;
Further comprising a provision unit that provides the item information included in the aggregated information to a provider of the predetermined service if the information does not match,
The information management device according to any one of claims 1 to 9. The obtaining unit confirms the item information included in the provided aggregated information by the user after the providing unit provides the item information included in the aggregated information to the provider of the predetermined service. get the result,
The processing unit updates the item information included in the consolidated information based on the confirmation result,
The information management device according to claim 10. The providing unit further comprises a compensation processing unit that performs processing for obtaining compensation from the service provider when item information not possessed by the service provider is provided to the service provider. ,
The information management device according to any one of claims 6 to 11. further comprising a service providing unit that provides an electronic payment service;
The service providing unit
A plurality of types of mini-apps for activating each of the plurality of mini-apps related to the plurality of services different from the electronic payment service in cooperation with the service app, which is a payment application program installed in the terminal device of the user. causing an icon to be displayed on the terminal device;
The information management device according to any one of claims 1 to 12. The user registration information includes public certificate information of the user,
The information management device according to any one of claims 1 to 13. an information management device according to claim 13;
a service server that is associated with the icon and provides a service corresponding to the icon to the terminal device in cooperation with the service application according to the operation of the icon;
A service delivery system with The service server is
obtaining from the information management device part or all of the item information included in the user registration information for determining whether or not to provide the service provided by the service server to the user;
determining whether to provide the service to the user based on the acquired item information;
The service providing system according to claim 15. The service server requests the information management device to provide item information not held by the service server, among item information of the user registration information for providing services to the user,
The information management device extracts, in response to the request, item information not held by the service server from consolidated information in which the user registration information is aggregated, and provides the extracted item information to the service server.
The service providing system according to claim 15. an information management device according to any one of claims 1 to 14;
The service application, which is a payment application program that displays code information encoded with user identification information on the display unit, or reads code information provided in a store, and executes an electronic payment service in cooperation with a payment server. ,
An information processing system comprising The payment application program causes the terminal device to display a plurality of types of icons for activating the plurality of mini-apps related to services different from the electronic payment service.
The information processing system according to claim 18. an information management device according to any one of claims 1 to 14;
The service application, which is a payment application program that displays code information encoded with user identification information on the display unit, or reads code information provided in a store, and executes an electronic payment service in cooperation with a payment server. ,
a service server associated with a plurality of types of icons for activating the mini-apps related to services different from the electronic payment service displayed on the interface screen provided by the payment application program;
An information processing system comprising an acquisition unit that acquires a plurality of pieces of user registration information held by providers of the plurality of services as information for a user to use each of the plurality of services;
an information management device comprising: a processing unit that aggregates the user registration information acquired by the acquisition unit;
a service application including a plurality of mini-apps activated in services provided by the service app installed on the terminal device,
The service application causes the display unit of the terminal device to display a first interface screen including icons corresponding to each of the plurality of mini-apps together with information related to the service of the service application;
the mini app starts within the service app and provides a service in cooperation with a service server corresponding to the mini app;
When the icon of a first mini-app included in the plurality of mini-apps is operated, the processing unit connects the first service server corresponding to the first mini-app and the first mini-app to the user. and personal information including at least the name and address of the user, and provide the first service to the user by examining the user registration information to provide the user with the first mini-app. Necessary for examination using the information of the certificate and the personal information to start providing the first service to the user in cooperation with the first service server corresponding to the first mini-app. In order to provide the user registration information that a certain first service server does not have to the first service server and allow the user to confirm the personal information and omit uploading the certificate information, causing the first mini app to preset and display the personal information in an input field of a second interface screen displayed on the display unit;
In response to the first service server obtaining the user registration information from the processing unit, the first mini-app uses the user registration information obtained from the processing unit to perform the first service. cooperating with a server to provide a first service to the user;
Information processing system. to the computer,
acquiring a plurality of pieces of user registration information held by each provider of the plurality of services as information for the user to use each of the plurality of services;
Aggregate the acquired user registration information,
A service application including a plurality of mini-apps activated in a service provided by a service application installed in a terminal device displays information about the service of the service application on the display unit of the terminal device, and information within the service application. Icons corresponding to each of the plurality of mini-apps that are activated and cooperate with service servers corresponding to the mini-apps to provide services, and icons corresponding to the plurality of mini-apps included in the plurality of mini-apps. When the first mini app icon is operated,
User registration information including information on a user's certificate and personal information including at least the name and address of the user is provided to a first service server corresponding to the first mini-app and to the first mini-app. the first mini-appli to cooperate with the first service server to start providing the first service to the user, in order to provide the first service to the user using causing the first service server to provide the user registration information that the first service server does not have, which is necessary for examination using the document information and the personal information, and confirming the personal information with the user. causing the first mini-app to preset and display the personal information in the input field of the second interface screen displayed on the display unit, in order to skip uploading the certificate information.
program.

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