JP2020098480A - Method for processing information, information processor, and program - Google Patents

Abstract

To increase convenience for a user in processing of transferring electronic value money.SOLUTION: A method for processing information includes the steps in which: an information processor receives a request to transfer electronic value money from a first information processor used by a first user; a content for identifying at least one electronic settlement application is identified; the content is sent to the first information processor; application information showing a predetermined electronic settlement application of the at least one electronic settlement application is received from a second information processor having received the content from the first information processor; information for displaying a settlement screen of the predetermined electronic settlement application is sent to the second information processor; and a money transfer completion notification is sent to the first information processor when transfer of the electronic value money has been completed on the settlement screen.SELECTED DRAWING: Figure 7

Description

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

In recent years, electronic payment has become more and more popular, and more and more users prefer cashless. In the past, when lending or returning money, cash was handed or bank transfer was performed, but in the future, electronic value may be used to perform payment processing between users. For example, in Patent Document 1, when an electronic money processing server receives a remittance request from a user A together with a destination and an amount of money, a request mail is sent to a user B of a second user, and an approval notification is received from the user B. It is disclosed that the electronic value subtraction process and the writing process are executed.

JP, 2004-272470, A

With the spread of electronic payment, the types of electronic payment means are increasing. However, it is premised that when the user A who uses the electronic payment means A tries to send the electronic value to the user B, the user B uses the electronic payment means B. That is, when the user B is not using the electronic payment means B, the user A cannot send the electronic value to the user B. Therefore, in order to enable the remittance of electronic value to various users, it is necessary to install and use applications provided by various electronic settlement means, which is inconvenient for the users.

An object of the present disclosure is to provide a program, an information processing method, and an information processing apparatus that can improve the convenience of the user in the electronic value transfer process.

An information processing method according to an embodiment of the present disclosure includes a step in which an information processing apparatus receives a remittance request for electronic value from a first information processing apparatus used by a first user, and a step of responding to the receipt of the remittance request. And acquiring the content for identifying one or more electronic payment applications, transmitting the content to the first information processing apparatus, and receiving the content transmitted by the first information processing apparatus. A step of receiving application information indicating a predetermined electronic payment application among the one or more electronic payment applications from the second information processing device, and a payment screen of the predetermined electronic payment application indicated by the application information. Transmitting information to be displayed to the second information processing apparatus; transmitting a remittance completion notification to the first information processing apparatus when the remittance processing of the electronic value is completed via the payment screen; To execute.

1 shows a configuration of a communication system according to an aspect of an embodiment. 1 shows an example of a hardware configuration of an information processing device according to the present disclosure. An example of the block diagram which shows the functional structure of the information processing apparatus which concerns on 1st Embodiment is shown. An example of each management DB according to the first embodiment is shown. An example of the function part of the 1st process part which concerns on 1st Embodiment is shown. An example of each functional part of the 2nd process part which concerns on 1st Embodiment is shown. An example of the sequence of a process of the communication system which concerns on 1st Embodiment is shown. An example of the remittance request screen according to the first embodiment is shown. An example of the payment means selection screen which concerns on 1st Embodiment is shown. An example of the remittance confirmation screen according to the first embodiment is shown. An example of the remittance completion notification screen according to the first embodiment is shown. An example of the sequence of a process of the communication system which concerns on 1st Example is shown. An example of the sequence of a process of the communication system which concerns on 2nd Example is shown.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications necessary for a person skilled in the art to comply with the laws of each country.

Modes for carrying out a program and an information processing method according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and an external system 140 are connected via a network 130. The external system 140 is, for example and without limitation, constructed by a server operated by another business operator (financial institution, credit card company, etc.) or another business department.

In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

In the present disclosure, if it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messenger, a content providing service such as music/video/book, and the like. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

In the present disclosure, the settlement service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” ), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform the payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and the payment is performed. The terminal 120 of the user who performs the process displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, invoicer) on the store side or the like who requests the payment to make a payment. This is referred to as “store-reading type code settlement” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X will be referred to as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X will be referred to as a user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example, without limitation, 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, the user's hobby. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass devices, Clock-type devices, etc.), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input/output interface (input/output I/F) 204, and a communication interface (communication I/F) 205. The components of the hardware of the information processing device 200 are connected to each other via the bus B, as an example and not a limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To do.

The processor 201 executes the function and method realized by the code or instruction included in the program stored in the storage 203. The processor 201 includes, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics Processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor), ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and includes a logic circuit (hardware) or dedicated logic circuit (IC) that is formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) Each process disclosed in each embodiment may be realized by a 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 be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. The communication may be executed by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I/F 205 has a function of performing communication with another information processing device via the network 130. The communication I/F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I/F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on the information processing device 200, and an output device that outputs a processing result processed by the information processing device 200. In the input/output I/F 204, an input device and an output device may be integrated, or an input device and an output device may be separated.

The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, by way of example and not limitation, a hardware key such as a touch panel, a touch display, a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. In the case of outputting the processing result as a video or a moving image, the output device is realized by one or a combination of all types of devices capable of displaying the display data according to the display data written in the frame buffer. It The output device is, for example, without limitation, a touch panel, a touch display, a monitor (as an example without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying images and text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), hard 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 It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

It should be noted that the program of the present disclosure is implemented, for example and without limitation, by using a script language such as JavaScript (registered trademark) or Python, C language, Go language, Swift Kotlin, Java (registered trademark), or the like.

At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In this disclosure, unless stated otherwise or indicated by context, "at least one of A and B" means "A, B, or both." Further, unless stated otherwise, or indicated by context, "a", "an", or "the" shall mean "one or more." Thus, herein, "an A" or "the A" means "one or more A," unless otherwise specified or indicated by context.

This disclosure includes all changes, substitutions, variations, alterations, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Also, the appended claims encompass all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do. In addition, a device or system or a component of a device or system adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. References in the appended claims to that device, system, or component are so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system, or component is activated, turned on, or unlocked, the device, system, or component is encompassed as long as the device, system, or component is activated, turned on, or unlocked.

Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be acquired may be comprehensive or may be acquired each time.

<First Embodiment>
In the first embodiment, in the electronic payment processing of electronic value, when settlement companies cooperate with each other, or an electronic settlement application SDK (Software Development Kit) or API (Application Programming Interface) of another settlement company is disclosed. This is an embodiment that enables remittance processing even to users who use different settlement companies in the case of being made. For example, the server 110A that manages the electronic payment means A that has received a request for remittance of an electronic value enables contents (eg, URL (Uniform Resource Locator)) that enables selection of one electronic payment means from one or a plurality of electronic payment means. Information) is transmitted to the terminal 120A used by the user A who requested the remittance. The terminal 120A of the requesting user A transmits the URL information to the terminal 120B of the user B of the remittance request destination, and the terminal 120B of the user B of the request destination transmits the electronic payment means B selected by the user B of the request destination. To the server 110A. The server 110A operates the selected electronic payment means B on the terminal 120B of the request destination user B, and enables the remittance process at the terminal 120B of the request destination user B. Note that the settlement business operator here also includes a business operator that provides a money transfer service. The server 110A is an example of an information processing device, and the server 110B is an example of a third information processing device. The terminal 120A is an example of a first information processing device, and the terminal 120B is an example of a second information processing device. The user A is an example of the first user, and the user B is an example of the second user.

According to the first embodiment, it becomes possible to use various electronic payment means by tie-up between payment providers and disclosure of SDKs and APIs of electronic payment applications of other payment providers. It is possible to increase the number and increase the convenience of the user. When the SDK or API of another payment operator is used, it is possible to log in or receive an electronic payment service of another payment operator in the electronic payment application managed and operated by the payment operator. Become.

Moreover, according to the first embodiment, it is possible to request a user having different electronic payment means to send money, so that it is not necessary to install an application of the different electronic payment means in the terminal, and the memory in the terminal is increased. You don't have to.

<Functional configuration of the first embodiment>
The functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201 included in the information processing device 200, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205.

(1) Functional Configuration of Server The server 110 includes an input/output I/F 311, a communication I/F 312, a control unit 313, a storage unit 314, a display control unit 315, a communication unit 316, and a request processing unit 317. , A remittance processing unit 318. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The input/output I/F 311 can be realized by using the input/output I/F 204, for example. The communication I/F 312 can be realized by using the communication I/F 205, for example. The control unit 313 can be realized by the processor 201 reading and executing a program stored in the storage unit 314. The storage unit 314 can be realized using the memory 202 and/or the storage 203.

The storage unit 314 includes a program executed by the server 110 according to the present embodiment, a user management DB (DataBase) that manages account information of a user who uses a two-dimensional code payment provided by a payment operator, and an electronic value. A remittance management DB for managing remittance requests and a payment means management DB for managing electronic payment means for electronic value are stored. FIG. 4 is a diagram showing an example of each management DB according to the first embodiment.

FIG. 4A shows an example of the user management DB. The user management DB includes information about each user's account created by the payment operator. Here, the settlement company is a company capable of executing an electronic settlement service and a money transfer service. The “user ID” includes user identification information (ID: IDentifier) for the server 110 to uniquely identify the user. The "password" includes a password for user authentication. The “balance” includes the electronic value (or electronic money) balance of the account held by the user.

FIG. 4B shows an example of the remittance management DB. The remittance management DB includes information on remittance of electronic value requested by users and the like. The “remittance ID” includes remittance identification information for uniquely identifying the remittance request. The “user ID” includes the user ID of the user who made the remittance request. The “electronic value” includes the amount of money to be remitted determined by the user. The “deadline” includes the deadline of the remittance request. Although not shown in FIG. 4B, the remittance management DB may manage the user ID of the user who receives the remittance request, application information for identifying the selected electronic payment application, and the like. ..

FIG. 4C shows an example of the payment means management DB. The payment method management DB includes information about payment methods used by each payment operator. The “payment method” includes application information for uniquely identifying the electronic payment application. The “payment URL” includes URL information for displaying the payment screen of each electronic payment application. The payment screen includes not only the payment screen but also a screen transition from the login screen to the payment screen. In addition, when the settlement companies are affiliated with each other, the “account information” includes the account information of the settlement company created by the settlement company. Further, the account information may include information on each user's account such as a user ID, password, balance, etc. on each user's account, but it is not always necessary data.

Returning to FIG. 3, the communication I/F 312 receives a remittance request request, application information, or the like from the terminal 120, or sends to the terminal 120 content generated by the server 110, a web page, a remittance completion notification, or the like. Send.

The input/output I/F 311 receives input of predetermined data from the administrator of the payment operator, and outputs screen information such as a management screen.

The display control unit 315 in the control unit 313 has a function of generating a display screen displayed in a service related to electronic payment. For example, when the display control unit 315 receives an electronic value remittance request from the remittance request source terminal 120, the display control unit 315 generates a remittance request screen and transmits screen information of the remittance request screen to the request source terminal 120. You may do so.

The communication unit 316 has a function of controlling transmission/reception of data using the communication I/F 312. For example, the communication unit 316 has a function as a transmission unit that transmits data to another information processing device and a function as a reception unit that receives data from another information processing device.

For example, the receiving unit of the communication unit 316 receives the electronic value remittance request from the terminal 120A used by the user A who is the request source requesting remittance to another person. In addition, the transmission unit of the communication unit 316 transmits the content (for example, URL information) for causing the terminal 120A to select a plurality of electronic payment means. In the following, URL information indicating a Web page for selecting an electronic payment method is used as an example of content, but the content is not limited to this example.

Further, the receiving unit of the communication unit 316 receives, from the terminal 120B that has received the URL information transmitted by the terminal 120A, application information indicating a predetermined electronic payment application among one or a plurality of electronic payment applications. Here, the terminal 120B is, for example, an information processing device used by the requesting user B who is requested to transfer electronic value.

Further, the transmitting unit of the communication unit 316 transmits the payment URL of the predetermined electronic payment application indicated by the application information to the terminal 120B. The payment URL is information for displaying a payment screen of a predetermined electronic payment application. The payment URL may be URL information for directly displaying the payment screen of this application, or may be URL information for indirectly displaying the payment screen via the login screen of this application. In addition, the transmitting unit of the communication unit 316 transmits a remittance completion notification to the terminal 120A when the electronic value remittance process is completed.

When receiving the remittance request from the terminal 120, the request processing unit 317 acquires URL information for specifying one or a plurality of electronic payment applications. For example, this URL information is URL information generated in advance, and may be URL information indicating a URL of a web page or the like for selecting a plurality of electronic payment applications.

At this time, the request processing unit 317 gives the remittance ID and stores the remittance information (user ID, electronic value value, etc.) transmitted together with the remittance request in the remittance management DB shown in FIG. 4B. May be.

When the remittance processing unit 318 acquires the application information from the terminal 120B used by the requesting user B, the predetermined electronic payment application indicated by the application information is selected from the one or more electronic payment applications based on the application information. Select. Further, the remittance processing unit 318 may control the terminal 120B to transmit the settlement URL to the terminal 120B in order to activate a predetermined electronic settlement application and enable the remittance processing.

The remittance processing unit 318 receives a remittance instruction of the electronic value remitted through the settlement screen of the predetermined electronic settlement application from the server 110B that manages the predetermined electronic settlement application. Next, the remittance processing unit 318 adds the electronic value to the balance of the account of the requesting user A. Further, the remittance processing unit 318 confirms from the settlement operator who manages a predetermined electronic settlement application, a bank transfer of an amount corresponding to the remitted electronic value. For example, when the remittance of electronic value and the transfer of the amount of money corresponding to the electronic value are completed, the remittance processing unit 318 receives a notice of completion of remittance processing from the server 110B that manages a predetermined electronic payment application. You may

This makes it possible to use various electronic payment means, increase the variation of electronic value remittance processing, and improve user convenience.

Further, the remittance processing unit 318 of the server 110A responds to the receipt of remittance instruction information from the terminal 120B when the first electronic settlement application available to the terminal 120A and the predetermined electronic settlement application are the same electronic settlement application. Then, the remittance process of subtracting the value of electronic value from the balance of the account of user B who uses terminal 120B and adding the value of electronic value to the balance of the account of user A may be executed. Hereinafter, for convenience of explanation, it is assumed that the settlement operator A manages the server 110A and operates the electronic settlement means A. Further, it is assumed that the user A installs the electronic payment application A on the terminal 120A and uses the electronic payment means A.

As a result, when the user A and the user B are using the same electronic payment application A, the server 110A subtracts the electronic value instructed by the user B from the remittance from the balance of the account of the user B, and The remittance process can be executed directly by adding to the account balance. That is, in the first embodiment, it is possible to execute the remittance processing as usual.

The receiving unit of the communication unit 316 of the server 110A performs a predetermined electronic payment when the first electronic payment application (electronic payment application A) available to the terminal 120A and the predetermined electronic payment application are different electronic payment applications. An electronic value remittance completion notification may be received from the server 110B that manages the application. At this time, the remittance processing unit 318 of the server 110A may execute the remittance process of adding the value of electronic value to the balance of the account of the user A in response to the reception of the notice of the completion of remittance. For example, when the user B, who is the requester of the remittance, remits the electronic value via another payment operator (for example, payment operator B), the receiving unit of the communication unit 316 of the server 110A causes the other payment operator to receive the electronic value. The remittance completion notification is received from the server 110B managed by. At this time, the server 110B subtracts the value of electronic value from the balance of the account of the user B, adds the value of electronic value to the account for the payment operator A, and from the bank account held by the payment operator B, Request that the amount corresponding to the value of the electronic value be transferred to the bank account of the settlement operator A, which is the request source.

As a result, when the user A and the user B use different electronic payment applications, the server 110A uses the electronic payment application for payment of different electronic payment applications due to the cooperation between the payment providers and the use of the published SDK and API. It becomes possible to display the screen and execute the remittance process. In addition, the user A and the user B do not need to install applications related to various electronic payment means on their own terminals, and do not have to increase the amount of memory used by the users' terminals.

(2) Functional Configuration of Terminal The terminal 120 includes an input/output I/F 321, a communication I/F 322, a control unit 323, a storage unit 324, a display control unit 325, a communication unit 326, and a first processing unit 327. And a second processing unit 328. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range. Further, each functional unit of the terminal 120 disclosed in FIG. 3 is realized by cooperation of the processor 201 included in the information processing device 200, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. To be done.

The input/output I/F 321 can be realized by using the input/output I/F 204, for example. The communication I/F 322 can be realized using the communication I/F 205, for example. The control unit 323 can be realized by the processor 201 reading and executing a program stored in the storage unit 324. The storage unit 324 can be realized using the memory 202 and/or the storage 203.

The input/output I/F 321 displays a predetermined screen, receives a user operation using a button displayed on the screen of the terminal 120, a touch panel of the terminal 120, or the like, and displays the position and operation time of the user operation. It is output to the control unit 323.

The communication I/F 322 transmits/receives predetermined data such as a user ID to/from the server 110 or another terminal 120.

The storage unit 324 includes a program executed by the terminal 120 according to this embodiment.

The display control unit 325 in the control unit 323 has a function of controlling display of a display screen or the like displayed in a service related to electronic payment on the display device (input/output I/F 321). For example, when the display control unit 325 receives a display request for a predetermined screen (remittance request screen, payment method selection screen, remittance completion notification screen, etc.) related to electronic payment from the server 110, the display control unit 325 displays the screen information indicating the predetermined screen. Output to the input/output I/F 321.

The communication unit 326 has a function of controlling transmission/reception of data using the communication I/F 322. For example, the communication unit 326 has a function as a transmission unit that transmits data to another information processing device and a function as a reception unit that receives data from another information processing device. Hereinafter, the case where the terminal 120 is the request source of remittance and the case where the terminal 120 is the request destination will be described separately.

(When the terminal is the requester)
The transmission unit of the communication unit 326 transmits a remittance request for electronic value from the terminal 120A used by the user A to the server 110A that manages the electronic payment service. At this time, the transmission unit of the communication unit 326 also transmits remittance information including the account information of the user A (for example, the user ID) and the value of the electronic value requesting remittance.

Further, the receiving unit of the communication unit 326 receives URL information for specifying one or a plurality of electronic payment applications that can access the payment screen (or Web screen) from the server 110A. The payment screen of each payment operator can be acquired by a partnership between the payment operators, or by an open SDK or API.

Further, the transmission unit of the communication unit 326 transmits the mail including the URL information to the terminal 120B used by the user B. Further, in the following, the transmission unit of the communication unit 326 uses mail as a means for transmitting URL information as an example, but other existing communication means such as Bluetooth (registered trademark), Air Drop (registered trademark), and SNS ( You may transmit using Social Networking Service). The receiving unit of the communication unit 326 receives a remittance completion notification from the server 110A when the electronic value remittance process is completed.

(When the terminal is the request destination)
The receiving unit of the communication unit 326 receives a mail including URL information indicating a Web page for selecting the electronic payment application from the terminal 120A that is the source of the remittance request. Next, the transmission unit of the communication unit 326 indicates a predetermined electronic payment application (for example, electronic payment application B) selected by the user B from the plurality of electronic payment applications acquired using this Web page. The application information is transmitted to the server 110A.

Further, the receiving unit of the communication unit 326 receives, from the server 110A, information for displaying a payment screen of a predetermined electronic payment application (for example, electronic payment application B) selected by the user B. The transmission unit of the communication unit 326 transmits the requested electronic value remittance instruction to the server 110B via the payment screen. The server 110B is, for example, a server managed by a payment operator (for example, payment operator B) that manages and operates the electronic payment application B.

Next, the first processing unit 327 is a processing unit for requesting remittance of electronic value. When the second processing unit 328 receives the content for specifying one or more electronic payment applications, the second processing unit 328 instructs the user to select the electronic payment application and instruct the remittance via the selected electronic payment application. Is a processing unit for. Further, in the first embodiment, the first processing unit 327 is used when the user who is the request source of the electronic value requests the remittance of the electronic value when the terminal 120 is the request source. The second processing unit 328 is used when the user who is the request destination of the electronic value sends the electronic value when the terminal 120 is the request destination. Hereinafter, the first processing unit 327 will be described in detail with reference to FIG. 5, and the second processing unit 328 will be described in detail with reference to FIG. 6.

(First processing unit)
FIG. 5 shows an example of functional units of the first processing unit 327 according to the first embodiment. The first processing unit 327 has the determination unit 402 and has a function as a remittance requesting unit for requesting remittance.

The determination unit 402 determines the value of the electronic value in response to the user's operation. The user's operation is the amount of money (electronic value of Indicates the operation for determining (value).

(Second processing unit)
Next, each function of the second processing unit 328 that instructs the remittance process when the terminal 120 as the request destination receives the URL information indicating the Web page for specifying the electronic payment application will be described. FIG. 6 shows an example of each function of the second processing unit 328 according to the first embodiment. As shown in FIG. 6, the second processing unit 328 includes an acquisition unit 502, a selection unit 504, and a remittance instruction unit 506, and has a function as a remittance processing instruction unit.

The acquisition unit 502 acquires, from the server 110A, URL information for selecting one or a plurality of electronic payment applications that can access the payment screen. For example, the acquisition unit 502 acquires the URL information included in the mail received from the requesting user A.

For example, when the user B presses the URL displayed on the display screen, the Web page corresponding to this URL is displayed on the display screen, and one electronic payment application is selected from one or a plurality of electronic payment applications. It becomes possible to select (for example, see FIG. 9 described later).

The selection unit 504 selects a predetermined electronic payment application in response to a user operation on a selection item for selecting one or a plurality of electronic payment applications displayed on the Web page. The selection unit 504 identifies application information indicating a predetermined electronic payment application selected by the user B. Then, the transmission unit of the communication unit 326 transmits the application information acquired by the selection unit 504 to the server 110A.

The remittance instruction unit 506 receives a remittance instruction from the user B via the settlement screen displayed using the settlement URL acquired from the server 110A. For example, the payment screen is displayed on the display screen in response to the selection of the electronic payment application (see, for example, FIG. 10 described later). In response to the remittance operation by the user B, the remittance instruction unit 506 sends the account information (for example, user ID) of the user B to the server 110B that manages the predetermined electronic settlement application (for example, the electronic settlement application B), A remittance instruction is sent together with the value of the electronic value. When the remittance instruction is transmitted, the account information of the settlement operator A and the bank account information may be transmitted. In addition, when the payment operator B already holds the account information and bank account information of the payment operator A, the information specifying the payment operator A when sending the remittance instruction (business ID, etc.) Should be transmitted.

<Operation processing of the first embodiment>
The processing of the communication system 1 according to the first embodiment will be described with reference to FIG. 7. FIG. 7 shows an example of a processing sequence of the communication system 1 according to the first embodiment.

In step S102, the first processing unit 327 of the terminal 120A transmits a remittance request including the value of the electronic value determined by the determination unit 402 and the user ID of the user A who uses the terminal 120A to the server 110A.

In step S104, the request processing unit 317 of the server 110A, in response to the receipt of the remittance request, creates remittance request information based on the value of the electronic value for which remittance was requested and the user ID of the user A, Store in remittance management DB. Then, the request processing unit 317 of the server 110A acquires URL information indicating a Web page for specifying one or a plurality of electronic payment applications. This Web page is generated in advance, and the URL information indicating this Web page may be acquired each time a request for money transfer processing is received.

In step S106, the transmission unit of the communication unit 316 of the server 110A transmits the URL information acquired by the request processing unit 317 to the terminal 120A.

In step S108, the receiving unit of the communication unit 326 of the terminal 120A receives the URL information from the server 110A, and the transmitting unit of the communication unit 326 transmits this URL information to the terminal 120B using, for example, mail. In addition, in the first embodiment, the URL information may be transmitted to the terminal 120B using another communication means.

In step S110, the reception unit of the communication unit 326 of the terminal 120B receives the mail including the URL information from the terminal 120A, and the acquisition unit 502 of the terminal 120B acquires the URL information from the mail. At this time, when the user B presses the URL, the electronic payment application selection screen is displayed.

In step S112, the selection unit 504 of the terminal 120B selects a predetermined electronic payment application from the one or more electronic payment applications acquired by the acquisition unit 502. For example, the selection unit 504 selects the electronic payment application B of the payment operator B in response to the user operation. Then, the transmission unit of the communication unit 326 of the terminal 120B transmits the application information indicating the selected electronic payment application B to the server 110A.

In step S114, when the receiving unit of the communication unit 316 of the server 110A receives the application information, the request processing unit 317 identifies the electronic payment application B from the application information and sets the payment URL of the electronic payment application B in the payment management DB. To get from. The transmitting unit of the communication unit 316 transmits the acquired payment URL to the terminal 120B. Here, the screen displayed by the payment URL is, for example, a payment screen or a login screen displayed by an application preinstalled in the terminal 120B.

In step S116, the receiving unit of the communication unit 326 of the terminal 120B receives the payment URL, and the display control unit 325 of the terminal 120B controls the display of the payment screen of the electronic payment application B selected by the user B. The remittance instruction unit 506 gives a remittance instruction to the server 110B using the electronic payment application B in response to a user operation on the settlement screen of the electronic payment application B.

In step S118, the transmission unit of the communication unit 316 of the server 110B transmits a remittance completion notification to the server 110A. At the same time, the remittance processing unit 318 of the server 110B subtracts the value of the electronic value instructed to be remitted from the balance of the account of the user B, and notifies the server 110A of the value of the electronic value. At this time, the server 110B uses the banking system used by the settlement operator B to transfer the amount corresponding to the value of the electronic value for which the remittance is instructed, from the bank account of the settlement operator B to the bank account of the settlement operator A. You can ask.

In step S120, when the receiving unit of the communication unit 316 of the server 110A receives the remittance completion notification, the remittance processing unit 318 of the server 110A adds the value of the electronic value instructed remittance to the balance of the account of the user A. To execute.

In step S122, the transmission unit of the communication unit 316 of the server 110A transmits a remittance completion notification to the terminal 120A. The transmitting unit of the communication unit 316 of the server 110A may transmit the remittance completion notification to the terminal 120B.

Through the above processing, various electronic payment methods can be used by tie-ups between payment operators and disclosure of SDKs and APIs of electronic payment applications of other payment operators, increasing the variety of electronic value remittance processing. Therefore, it is possible to improve user convenience. In addition, when a plurality of payment providers are affiliated, it is assumed that the account information of the user is held among the payment providers. At this time, since the server 110A holds the user account information of the payment operators A and B, step S116 shown in FIG. 7 is executed for the server 110A of the payment operator A. The server 110A subtracts the value of the predetermined electronic value from the account of the payment operator B used by the user B, and adds the value of the predetermined electronic value to the account of the payment operator A used by the user A. After that, the server 110A sets the user ID of the user B and the subtracted value of the electronic value, and the user ID of the user A and The update information including the added electronic value is notified. When the server 110B obtains the update information, the server 110B subtracts a predetermined electronic value value from the balance of the account of the settlement operator B used by the user B, and calculates the electronic value from the balance of the account of the settlement operator A used by the user A. Add the value of. As a result, it becomes possible to synchronize the account information held in each server.

<Display mode of the first embodiment>
Next, the user interface (UI) displayed on the display screen of the terminal 120 will be described with reference to FIGS. 8 and 11 are screens displayed on the terminal 120 of the user A, and FIGS. 9 and 10 are screens displayed on the terminal 120 of the user B.

FIG. 8 shows an example of the remittance request screen according to the first embodiment. The display control unit 325 of the terminal 120A controls the display of the screen shown in FIG. 8 in response to the operation of the remittance request from the user A in step S102 shown in FIG.

The example of the remittance request screen shown in FIG. 8 includes an input field for an amount of money for which another user requests remittance, and “YES” and “NO” buttons for confirming this request (request). The amount of money to be remitted may be selected by the user from a plurality of candidates.

In the example illustrated in FIG. 8, when the user A inputs the amount of money (for example, 5000 yen) in the input field and then presses the “YES” button, the process of step S102 is executed. On the other hand, when the user A presses the “NO” button, the process of step S102 is not executed and the remittance request is canceled.

FIG. 9 shows an example of the payment means selection screen according to the first embodiment. In step S110 shown in FIG. 7, the display control unit 325 of the terminal 120B controls the display of the screen shown in FIG. 9 and accepts a user's operation of selecting a payment means.

On the payment method selection screen shown in FIG. 9, the user B can select any one of the electronic payment applications related to the payment methods such as APP1, APP2, APP3, and APP4.

FIG. 10 shows an example of the remittance confirmation screen according to the first embodiment. The display control unit 325 of the terminal 120B controls the display of the screen shown in FIG. 10 in response to the remittance confirmation operation from the user B in step S116 shown in FIG.

The example of the remittance confirmation screen shown in FIG. 10 includes a remittance amount display field and “YES” and “NO” buttons for confirming remittance. The remittance amount displayed in the display field is the same as the remittance request amount entered by the user A in the input field.

In the example shown in FIG. 10, if the user B presses the “YES” button after confirming the amount (for example, 5000 yen) displayed in the remittance amount display field, the remittance instruction process in step S116. Is executed. On the other hand, when the “NO” button is pressed by the user A, the process of step S116 is not executed and the remittance process is canceled.

FIG. 11 shows an example of a remittance completion notification screen according to the first embodiment. The display control unit 325 of the terminal 120A controls the display of the screen shown in FIG. 11 after the remittance processing of the server 110A is completed in step S122 shown in FIG.

The example of the remittance completion notification screen shown in FIG. 11 includes a deposit completion display field in which the remittance amount is described, and an “end” button for closing the remittance confirmation screen. The amount displayed in the display field is the same amount as the amount requested by the user A for remittance and the amount remitted by the user B. When the user A presses the “end button”, the remittance completion notification screen shown in FIG. 11 disappears from the display screen.

<<First Example>>
In the first embodiment, in an electronic commerce transaction in which an electronic payment application with an escrow function can be used, the server 110A temporarily freezes the value of the electronic value sent by the user B from the balance of the account of the user A, and the user B This is an embodiment in which the frozen electronic value is thawed when the product from the user A is received.

<<Effects of First Example>>
According to the first example, similarly to the above-described first embodiment, it is possible to improve the reliability of electronic commerce while having the effects described in the first embodiment. That is, the seller of the product (user A) can use the above-described system when receiving the price of the product, and since the purchaser of the product has an escrow function, the product seller pays for the product. However, if the product is not received, the price cannot be used by the seller, so that the transaction can be carried out with peace of mind.

<<Functional configuration of the first embodiment>>
The system configuration according to the first example, the hardware configuration of each server, and the functional configuration of each server and each terminal are the same as those in the first embodiment described above. In the first embodiment, the server 110A has an escrow function (hereinafter, also referred to as "freezing function"). Further, in the first example, description of functions, processes, and the like common to the first embodiment will be omitted, and different points, that is, a freezing function will be mainly described.

The remittance processing unit 318 of the server 110A executes the remittance process of adding the value of the electronic value to the balance of the account of the user A in response to the completion of the remittance process of the electronic value from another settlement operator. In this case, the remittance processing unit 318 has a function as a freezing unit that temporarily freezes the value of electronic value from the balance of the account of the user A. For example, when the remittance processing unit 318 executes the remittance process of adding the electronic value of 5000 yen to the account balance of the user A, 5000 yen is temporarily frozen (temporarily unavailable) from the account balance of the user A, The 5000 yen will not be used.

The receiving unit of the communication unit 316 of the server 110A receives the decompression request for decompressing the value of the electronic value from the terminal 120B. In this case, the remittance processing unit 318 decompresses the frozen electronic value value after receiving the decompression request. Here, for example, in the case of electronic commerce, the decompression request is a request notified when the user B, who is a purchaser, receives the product and then the user B confirms receipt of the product. Then, the remittance processing unit 318 executes a process of decompressing the frozen electronic value from the balance of the account of the user A (a process of making it available). After that, the transmitting unit of the communication unit 316 of the server 110A transmits the availability notification of the product price to the terminal 120A. For example, when the remittance processing unit 318 receives a decompression request for decompressing the value of the electronic value from the user B, the remittance processing unit 318 decompresses 5000 yen from the temporarily frozen account balance of the user A. Next, the transmission unit of the communication unit 316 of the server 110A notifies the terminal 120A that the temporarily frozen electronic value is available.

<<Operation processing of the first embodiment>>
Processing of the communication system 1 according to the first embodiment will be described with reference to FIG. FIG. 12 shows an example of a processing sequence of the communication system 1 according to the first embodiment. Note that the processing from S202 to S218 shown in FIG. 12 is the same as the processing from S102 to S118 shown in FIG.

In step S220, the reception unit of the communication unit 316 of the server 110A receives the remittance completion notification and the transmission instruction from the server 110B managed by another settlement operator (settlement operator B), and the remittance processing unit of the server 110A. 318 adds the value of the electronic value instructed to transfer money to the balance of the account of the user A, but temporarily freezes the added value of the electronic value.

In step S222, the transmission unit of the communication unit 316 of the server 110A transmits a remittance completion notification to the terminal 120A.

In step S224, when the receiving unit of the communication unit 326 of the terminal 120A receives the remittance completion notification, the user A confirms the payment and sends the merchandise to the user B.

User B receives the product. Then, in step S226, when the user B confirms the receipt of the product, the transmission unit of the communication unit 326 of the terminal 120B transmits the decompression request to the server 110A.

In step S228, when the receiving unit of the communication unit 316 of the server 110A receives the decompression request, the remittance processing unit 318 of the server 110A decompresses the frozen electronic value value.

In step S230, the transmission unit of the communication unit 316 of the server 110A transmits the availability notification of the frozen product price to the terminal 120A.

<<Second Example>>
In the second embodiment, when the payment operator B that executes a predetermined money transfer service is used to perform electronic value transfer processing, the server 110A of the payment operator A and the server 110B of the payment operator B are temporarily operated. The communication is enabled and the remittance process by the user B is monitored. In this embodiment, when the server 110A detects the remittance process as a result of the monitoring, the remittance process for the account of the user A is executed.

According to the second example, similarly to the first embodiment, even when the user B who is the requester of the remittance selects the electronic payment means that provides the remittance service, the user A receives the remittance from the user B. It will be possible. As a result, it is possible to improve the versatility of the remittance process using the electronic value.

Further, according to the second embodiment, by monitoring the account of the server that provides the predetermined money transfer service, it is possible to reduce the number of times data is transmitted and received between the servers. As a result, it becomes possible to shorten the time for remittance processing.

<<Functional configuration of the second embodiment>>
The system configuration according to the second example, the hardware configuration of each server, and the functional configuration of each server and each terminal are the same as those in the first embodiment described above. In the second embodiment, the server 110A has a monitoring function. Further, in the second example, description of the functions, processes, and the like common to the first embodiment will be omitted, and different points, that is, functions of temporary communication connection will be mainly described.

The receiving unit of the communication unit 316 of the server 110A receives the application information, and the remittance processing unit 318 of the server 110A temporarily establishes a communication session with the server 110B that manages a predetermined electronic payment means. At this time, the temporary session is specified by using a user name or generating a token. Hereinafter, it is assumed that the token is used. For example, when the user B selects the electronic payment application B of the payment operator B, the remittance processing unit 318 of the server 110A temporarily establishes a communication session with the system that manages the application. It should be noted that the connection time may be set arbitrarily as needed.

Further, the remittance processing unit 318 of the server 110A monitors the account of the user B managed by the server 110B. For example, the remittance processing unit 318 monitors the account of the electronic payment application B of the user B in response to the received application information.

Further, the remittance processing unit 318 of the server 110A detects an electronic value remittance process executed using the token. For example, the remittance processing unit 318 of the server 110A detects that the user B has performed remittance processing to the account of the electronic payment application B.

In addition, the remittance processing unit 318 of the server 110A ends the temporary communication with the server 110B according to the detection result of the remittance processing of the electronic value. For example, the remittance processing unit 318 of the server 110A ends the temporary communication with the electronic payment application B system based on the detection result of the remittance processing for the account of the electronic payment application B.

Next, when the remittance processing unit 318 of the server 110A detects that the remittance processing using the remittance service by the user B is completed, the remittance processing unit 318 adds the value of electronic value to the balance of the account of the user A.

Thereby, even when the user B selects the electronic payment means that provides the money transfer service, it is possible to reduce the number of times of data transmission and reception between the servers by monitoring the account of the user B who uses the money transfer service. Become. As a result, the versatility of the remittance process using the electronic value can be enhanced, and the remittance process time can be shortened.

Further, since the remittance processing unit 318 of the server 110A monitors the remittance of electronic value, the value of the electronic value remitted to the account can be confirmed. In this case, the transmission unit of the communication unit 316 of the server 110A may transmit the insufficient remittance notification to the terminal 120B when the value of the remitted electronic value is smaller than the value of the electronic value requested by the user A. ..

As a result, it is possible to improve the versatility of the remittance process using the electronic value and to shorten the time of the remittance process, and to notify the user B of the insufficient remittance. The reliability can be improved.

In addition, the transmission unit of the communication unit 316 of the server 110A executes a process of refunding the surplus amount to the account of the user B when the value of the electronic value transferred is larger than the value of the electronic value requested by the user A. To do.

As a result, it is possible to improve the versatility of the remittance process using the electronic value and to shorten the time of the remittance process, and also to refund the surplus to the account of the user B. The reliability of can be improved.

<<Operation processing of the second embodiment>>
Processing of the communication system 1 according to the second embodiment will be described with reference to FIG. 13. FIG. 13 shows an example of a processing sequence of the communication system 1 according to the second embodiment. Note that the processing from S302 to S312 shown in FIG. 13 is the same as the processing from S102 to S112 shown in FIG.

In step S314, the receiving unit of the communication unit 316 of the server 110A receives the application information, and the remittance processing unit 318 of the server 110A uses the token to the server 110B that manages the predetermined electronic payment application indicated by the application information. To temporarily establish a session.

In step S316, the transmission unit of the communication unit 316 of the server 110A transmits the payment URL of the selected electronic payment application to the terminal 120B.

In step S318, the remittance processing unit 318 of the server 110A monitors the account of the user B managed by the server 110B.

In step S320, the display control unit 325 of the terminal 120B controls the display of the remittance amount confirmation screen via the settlement URL, and the remittance instruction unit 506 manages the predetermined electronic settlement application in response to a user operation or the like. The electronic value remittance process is executed by using the token to the server 110B. As a result, the value of electronic value is subtracted from the account of user B.

In step S322, the remittance processing unit 318 of the server 110A detects the remittance processing of the electronic value and confirms the value of the electronic value subtracted from the account of the user B.

In step S324, the transmission unit of the communication unit 316 of the server 110A transmits the remittance shortage notification to the terminal 120B when the subtracted electronic value value is smaller than the electronic value value requested by the user A.

In step S326, the transmission unit of the communication unit 316 of the server 110A returns the surplus amount to the account of the user B when the subtracted value of the electronic value is larger than the value of the electronic value requested by the user A. To execute.

In step S328, the remittance processing unit 318 of the server 110A confirms the remittance amount of electronic value, and then ends the temporary communication with the server 110B.

In step S330, the remittance processing unit 318 of the server 110A executes the process of adding the value of the remitted electronic value to the balance of the account of the user A.

In step S330, the transmission unit of the communication unit 316 of the server 110A transmits a remittance completion notification to the terminal 120A. In addition, the remittance processing unit 318 of the server 110A confirms a bank transfer of an amount corresponding to the remitted electronic value from a settlement operator who manages a predetermined electronic settlement application. For example, when the remittance of the electronic value to the payment operator B and the bank transfer of the amount of money corresponding to the electronic value from the payment operator B are completed, the transmitter of the communication unit 316 of the server 110A causes the terminal of the user A's terminal. A notification of the completion of the remittance process may be transmitted to 120A.

By the above processing, even when the user B selects the electronic payment means that provides the money transfer service, the number of times of data transmission and reception between the servers is reduced by monitoring the balance of the account of the user B who uses the money transfer service. It will be possible. As a result, the versatility of the remittance process using the electronic value can be enhanced, and the remittance process time can be shortened.

1 communication system, 100 communication system, 110 server, 110A server, 110B server, 120 terminal, 120A terminal, 120B terminal, 120C terminal, 120X terminal, 130 terminal, 200 information processing apparatus, 201 processor, 202 memory, 203 storage, 204 Input/output interface (input/output I/F), 205 communication interface (communication I/F), 311 input/output I/F, 312 communication I/F, 313 control unit, 314 storage unit, 315 display control unit, 316 communication unit 317 request processing unit, 318 money transfer processing unit, 321 input/output I/F, 322 communication I/F, 323 control unit, 324 storage unit, 325 display control unit, 326 communication unit, 327 first processing unit, 328 second Processing unit, 402 determination unit, 502 acquisition unit, 504 selection unit, 506 remittance instruction unit.

Claims (9)

An information processing method executed by an information processing device, comprising:
Receiving a request for remittance of electronic value from the first information processing device used by the first user,
Acquiring content for identifying one or more electronic payment applications in response to receiving the remittance request;
Transmitting the content to the first information processing device,
Receiving app information indicating a predetermined electronic payment application of the one or more electronic payment applications from a second information processing device that has received the content transmitted by the first information processing device;
Transmitting information for displaying a payment screen of the predetermined electronic payment application indicated by the application information to the second information processing device;
And a step of transmitting a remittance completion notification to the first information processing device when the remittance processing of the electronic value is completed via the settlement screen. The information processing method is
When the first electronic payment application that can be used by the first information processing apparatus and the predetermined electronic payment application are the first electronic payment application, responding to the receipt of the remittance instruction information from the second information processing apparatus. Then, a remittance process is executed to subtract the value of the electronic value from the balance of the account of the second user who uses the second information processing device and add the value of the electronic value to the balance of the account of the first user. The information processing method according to claim 1, further comprising a step. The information processing method is
When the first electronic payment application that can be used by the first information processing apparatus and the predetermined electronic payment application are different electronic payment applications, the third information processing apparatus that manages the predetermined electronic payment means changes Receiving a value transfer completion notification,
The information processing method according to claim 1, further comprising: a step of performing a remittance process of adding the value of the electronic value to the balance of the account of the first user after the receipt of the remittance completion notification. The information processing method is
Freezing the value of the electronic value from the balance of the account of the first user after executing the remittance process,
Receiving a decompression request for decompressing the value of the electronic value from the second information processing device;
Decompressing the frozen value of the electronic value after receiving the decompression request,
The information processing method according to claim 2, further comprising transmitting a notification that the value of the electronic value is available to the first information processing device. The information processing method is
Connecting a temporary communication with a third information processing device that manages the predetermined electronic payment application indicated by the application information;
Monitoring the account of a second user who uses the second information processing apparatus, which is managed by the third information processing apparatus,
Further comprising transmitting a remittance completion notification to the first information processing device when the monitoring step detects that the remittance processing of the electronic value is completed.
The information processing method according to any one of claims 1 to 3. The information processing method is
When it is detected that the remittance processing of the electronic value is completed,
And a step of transmitting a remittance shortage notification to the second information processing device when the value of the electronic value transferred to the account is smaller than the value of the electronic value requested to be transferred by the first user, The information processing method according to claim 5, comprising: The information processing method is
When it is detected that the remittance processing of the electronic value is completed,
The method further comprising the step of refunding the surplus amount to the account when the value of the electronic value transferred to the account is larger than the value of the electronic value requested to be transferred by the first user. Alternatively, the information processing method described in item 6. A receiving unit for receiving a request for remittance of electronic value from the first information processing apparatus used by the first user;
A request processing unit that acquires content for specifying one or more electronic payment applications in response to the receipt of the remittance request;
A transmission unit that transmits the content to the first information processing device;
A receiving unit that receives, from the second information processing apparatus that has received the content transmitted by the first information processing apparatus, application information indicating a predetermined electronic payment application of the one or more electronic payment applications;
A transmission unit that transmits information for displaying a payment screen of the predetermined electronic payment application indicated by the application information to the second information processing device;
An information processing apparatus, comprising: a transmission unit that transmits a remittance completion notification to the first information processing apparatus when the electronic value remittance processing is completed via the payment screen. In the information processing device,
Receiving a request for remittance of electronic value from the first information processing device used by the first user,
Acquiring content for identifying one or more electronic payment applications in response to receiving the remittance request;
Transmitting the content to the first information processing device,
Receiving app information indicating a predetermined electronic payment application of the one or more electronic payment applications from a second information processing device that has received the content transmitted by the first information processing device;
Transmitting information for displaying a payment screen of the predetermined electronic payment application indicated by the application information to the second information processing device;
And a step of transmitting a remittance completion notification to the first information processing apparatus when the remittance processing of the electronic value is completed via the settlement screen.