JP2020109691A - Generation device, generation method and generation program - Google Patents

Abstract

To provide a generation device which improves convenience of a user regarding a credit card.SOLUTION: In a generation device 100, a user U01 requests issuance of a credit card. A card company server 50 examines the user U01, and issues a credit card C01 if the user U01 passes an examination. The user U01 registers card information regarding the credit card C01 in the generation device 100, and applies generation of a virtual card to the generation device 100 by designating a use by using the credit card C01 as a main card. The generation device 100 accepts application, generates the virtual card corresponding to the credit card C01, registers the virtual card by associating it with the main card on the basis of information submitted for the application from the user U01, and transmits information regarding the generated virtual card to the user U01.SELECTED DRAWING: Figure 1

Description

The present invention relates to a generation device, a generation method, and a generation program.

In recent years, the spread of communication networks has advanced, and services via the communication networks have been actively provided. For example, shopping services and auction services that can be used online are provided. Credit cards are widely used as payment methods for such online services.

As a technology related to the use of credit cards, there is a technology that can reduce the management burden of credit card information on the seller side by using dummy data corresponding to the credit card without changing the usability of the credit card. Proposed.

JP, 2013-15881, A

However, it is difficult to improve the convenience of the user regarding the credit card with the above-mentioned conventional technique. For example, the conventional technology enables a secure payment without changing the usability of the credit card, but does not change the manner in which the user uses the credit card, which improves the convenience for the user. Hard to say.

The present application has been made in view of the above, and an object thereof is to provide a generation device, a generation method, and a generation program capable of improving the convenience of a user regarding a credit card.

The generation device according to the present application is acquired by an acquisition unit that acquires information about a credit card used by a user, a reception unit that receives from the user the purpose of designating a virtual card associated with the credit card, and the acquisition unit. And a generation unit that generates a virtual card associated with the credit card based on the information regarding the credit card and the use accepted by the acceptance unit.

According to one aspect of the embodiment, it is possible to improve the convenience of the user regarding the credit card.

FIG. 1 is a diagram (1) illustrating an example of the generation process according to the embodiment. FIG. 2 is a diagram (2) illustrating an example of the generation process according to the embodiment. FIG. 3 is a diagram (3) illustrating an example of the generation process according to the embodiment. FIG. 4 is a diagram illustrating a configuration example of the generation system according to the embodiment. FIG. 5 is a diagram illustrating a configuration example of the generation device according to the embodiment. FIG. 6 is a diagram illustrating an example of the virtual card storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of the member store information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of the usage history storage unit according to the embodiment. FIG. 9 is a flowchart (1) showing a processing procedure according to the embodiment. FIG. 10 is a flowchart (2) showing the processing procedure according to the embodiment. FIG. 11 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the generation device.

Hereinafter, modes (hereinafter, referred to as “embodiments”) for carrying out the generation device, the generation method, and the generation program according to the present application will be described in detail with reference to the drawings. Note that the generation device, the generation method, and the generation program according to the present application are not limited by this embodiment. Further, the respective embodiments can be appropriately combined within a range in which the processing content is not inconsistent. Also, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicated description will be omitted.

[1. Example of generation processing]
First, an example of the generation process according to the embodiment will be described with reference to FIGS. 1 to 3. FIG. 1 is a diagram (1) illustrating an example of the generation process according to the embodiment. FIG. 1 shows an example in which the generation device 100 according to the present application performs a process of generating a virtual card that is associated with a credit card and whose use is designated by a user who requests generation.

The generation device 100 illustrated in FIG. 1 is a server device that performs a virtual card generation process. In the embodiment, the virtual card is card information issued in association with the credit card, and is virtual card information to which a card number, a security code, and the like are added, similar to the credit card. In the following description, the original credit card associated with the virtual card may be referred to as the “main card”. The generation device 100 is managed by, for example, a credit card member store management company (so-called acquirer).

The card company server 50 shown in FIG. 1 is a server device managed by a credit card issuing company (so-called issuer). The card company server 50 accepts a credit card subscription application from a user and issues a credit card to the user.

The user terminal 10 shown in FIG. 1 is an information processing terminal such as a smartphone owned by the user. The user U01 illustrated in FIG. 1 is an example of a user who requests generation of a virtual card according to the present application. In the example shown in FIG. 1, the user terminal 10 is assumed to be used by the user U01. In the following, the user may be read as the user terminal 10. For example, the description “the user U01 accesses the generation device 100” may actually indicate the situation that “the user terminal 10 used by the user U01 accesses the generation device 100”.

In the example of FIG. 1, the user U01 requests the generation device 100 to generate a virtual card. The user U01 can purchase using a virtual card, for example, as an alternative to the credit card, which is this card. When the virtual card is used, the usage history is transmitted to the generation device 100 from the store (that is, the business operator that is a credit card member store) in which the virtual card is used, and the virtual card used by the generation device 100 is used. This card is specified based on the information in. Then, the generation device 100 performs the same payment processing as a normal credit card based on the specified information of the card. With this mechanism, the user U01 can avoid the risk of transmitting the information of this card on the network. Further, even if the information of the virtual card is leaked, the user U01 only needs to request the deletion of the leaked virtual card, and the trouble of reissuing this card can be omitted.

The user U01 can also specify the purpose of use for the virtual card generated by the generation device 100. The designation of the purpose is, for example, the purpose of using the generated virtual card. For example, the use is specified by specifying a service or store (member store) that can use the virtual card. Thus, the user U01 can prevent the generated virtual cards from being used differently for each service and prevent the virtual card from being abused by a third party when the information of the virtual card is leaked. Hereinafter, the flow of the generation process according to the embodiment by the generation device 100 will be described with reference to FIG. 1.

First, the user U01 requests the card issuing company to issue a credit card via the user terminal 10. The card company server 50 examines the user U01, and if the examination is successful, issues the credit card C01 to the user U01 (step S01). In the example of FIG. 1, it is assumed that the credit card C01 is associated with “1000-0000-XXXX” as the card number.

Subsequently, the user U01 who desires to generate a virtual card registers the card information regarding the credit card C01 in the generation device 100 (step S02). For example, the user U01 registers the card number of the credit card C01, the expiration date, the name information of the user U01 who registered the card, and the like.

Then, the user U01 uses the credit card C01 as the main card and applies to the generation device 100 for generation of a virtual card (step S03). Also, the user U01 specifies the purpose of the virtual card when applying for the generation of the virtual card.

Here, the application for the virtual card performed by the user U01 will be described with reference to FIG. FIG. 2 is a diagram (2) illustrating an example of the generation process according to the embodiment. FIG. 2 schematically shows how the user U01 makes an application for a virtual card via the application screen 60 displayed on the screen of the user terminal 10. For example, the application is made via a website provided by the generation device 100, an application installed in the user terminal 10, or the like.

The application screen 60 shown in FIG. 2 has an input space 61 for inputting the information of this card, an application selection space 63 for specifying the application, an expiration date specifying space 65 for specifying the expiration date of the virtual card, and the specified information. An application button 67 for making an application for issuance is included. The user U01 arbitrarily sets the use and expiration date of the issued virtual card via the application screen 60. Although details will be described later, the information that can be specified by the user U01 is not limited to the content shown in FIG. For example, the user U01 must specify the usage limit for each virtual card, the number of times the virtual card can be used, the user who can use the virtual card (for example, a user account registered for each service or website), and the like. Is also possible.

The generation device 100 acquires information such as the expiration date of the card and the usage limit amount of the card from the information of the card acquired via the application screen 60. In this case, the generation device 100 may make an inquiry to the card company server 50 based on the card number of the card and acquire various information regarding the card from the card company server 50.

Returning to FIG. 1, the description will be continued. The generation device 100 receives an application from the user U01 and generates a virtual card corresponding to the credit card C01 (step S04). The generation device 100 registers a virtual card in association with this card (credit card C01) based on the information applied by the user U01 (step S05).

A table 40 illustrated in FIG. 1 shows information regarding virtual cards registered by the generation device 100. As shown in Table 40, the user U01 can apply for generation of a plurality of virtual cards based on this card. Then, the generation device 100 issues a new virtual card each time an application is received from the user U01. For example, in Table 40, an example in which a virtual card whose usable service (use) is designated as “shopping” and whose expiration date is designated as “December 2017” is registered as “virtual card A” is shown. There is.

Note that the generation device 100 gives a unique card number to each virtual card when issuing the virtual card. For example, the generation device 100 assigns the card number “2000-0000-1111” to the virtual card A and the card number “2000-0000-2222” to the virtual card B.

The generation device 100 transmits the information regarding the generated virtual card to the user U01 via, for example, the above-described application or the like (step S06). Thereby, the user U01 can know the card number and the like of the generated virtual card. After that, the user U01 can use the card number of the virtual card, instead of the card number of this card, to make a purchase or the like. This point will be described with reference to FIG.

FIG. 3 is a diagram (3) illustrating an example of the generation process according to the embodiment. FIG. 3 shows a flow of processing when the virtual card is actually used by the user U01. In the example shown in FIG. 3, it is assumed that the user U01 uses various e-commerce services provided via the Internet or the like.

The service servers 30 ₁ , 30 _2, and 30 ₃ shown in FIG. 3 are server devices that provide users with predetermined services. For example, the service servers 30 ₁ , 30 _2, and 30 ₃ are web servers that provide web services such as e-commerce sites. In the example of FIG. 3, the service servers 30 ₁ , 30 ₂ and 30 ₃ provide users with different e-commerce sites. In the example illustrated in FIG. 3, the business operator that operates the e-commerce site provided by the service servers 30 ₁ , 30 _2, and 30 ₃ is assumed to be a member store of the credit card C01. Further, hereinafter, when it is not necessary to distinguish between the service servers 30 ₁ , 30 ₂ and 30 ₃ , the service servers 30 ₁ , 30 ₂ and 30 ₃ will be referred to as “service server 30 ”. The number of service servers 30 is not limited to the number shown in FIG.

In the example of FIG. 3, the service server 30 ₁ provides a shopping service (e.g., a shopping site such as a shopping mall on the network). The service server 30 ₂ provides auction services (e.g., an auction site on a network). The service server 30 ₃ provides a moving image distribution service (e.g., video distribution site on the network and image sharing site, etc.).

When using various services provided by the service server 30, the user U01 does not use the credit card C01, which is the main card, but uses a virtual card corresponding to each service. For example, the user U01, the service server 30 ₁ relative to the shopping service provided, utilizing a virtual card A (step S11). The user U01, the service server 30 ₂ is against auction service provided, utilizing a virtual card B (step S12). The user U01, the service server 30 ₃ relative to video distribution service provided, utilizing a virtual card C (step S13).

At this time, each service server 30 transmits the used card information to the generation device 100. That is, the generation device 100 acquires the usage history of the card (each virtual card in the example of FIG. 3) from each service (step S14).

Then, when the usage history acquired from the service server 30 indicates the usage of the virtual card, the generation device 100 verifies whether the usage or the like satisfies the conditions specified in the virtual card (step). S15). For example, the generation device 100 verifies whether the usage of the virtual card A used in the shopping service is “shopping”. The generation device 100 transmits an error message to the user U01 when the use of the virtual card does not satisfy the conditions specified for the virtual card A. For example, the generation device 100 transmits to the user U01 a message indicating that the payment cannot be completed because the use of the virtual card A does not meet the specified conditions.

On the other hand, when the use of the virtual card satisfies the designated condition, the generation device 100 specifies the credit card corresponding to the used virtual card (step S16). In the example of FIG. 3, the generation device 100 specifies the credit card C01, which is the registered main card, based on the card number of the virtual card A or the like.

Then, the generation device 100 transmits the information of the specified credit card C01 to the card company server 50 (step S17). By such processing, the card company server 50 can perform credit inquiry (authorization) and settlement processing as in the case where a normal credit card that is not a virtual card is used.

As described with reference to FIGS. 1 to 3, the generation device 100 acquires information regarding the credit card C01 used by the user U01. In addition, the generation device 100 receives, from the user U01, the purpose of designating the virtual card associated with the credit card C01. Then, the generation device 100 generates a virtual card associated with the credit card C01 based on the acquired information about the credit card C01 and the received application.

In this way, the generation device 100 can generate card information, which is a virtual card corresponding to the credit card C01, which is a substitute for this card. That is, since the generation device 100 enables payment with a virtual card without leaking the information of this card onto the network, it is possible to provide a highly secure payment process to the user U01. Further, the generation device 100 can minimize the damage even if the information of the virtual card is leaked to a third party by making the virtual card specify the use. In addition, the generation device 100 can prevent the damage caused by the leakage from expanding if the information of the virtual card is deleted, and thus the user U01 does not have to bother with reissuance of this card. be able to. As described above, the generation device 100 can improve the convenience of the user U01 regarding the payment processing such as the use of a credit card.

In addition, in step S14 illustrated in FIG. 3, when the usage history of the card used in each service does not indicate the usage history of the virtual card, the creation apparatus 100 proposes to the user U01 to create a virtual card. You may send a message to do. Thereby, the generation device 100 can prompt the generation of a highly convenient virtual card. Hereinafter, the configuration and the like of the generation device 100 that performs such processing and the generation system 1 including the generation device 100 will be described in detail.

[2. Generation system configuration]
The configuration of the generation system 1 including the generation device 100 according to the embodiment will be described with reference to FIG. 4. FIG. 4 is a diagram illustrating a configuration example of the generation system 1 according to the embodiment. As illustrated in FIG. 4, the generation system 1 according to the embodiment includes a user terminal 10, a service server 30, a card company server 50, and a generation device 100. These various devices are connected via a network N so that they can communicate by wire or wirelessly. Note that the generation system 1 shown in FIG. 4 may include a plurality of user terminals 10, a plurality of service servers 30, and a plurality of card company servers 50.

The user terminal 10 is, for example, a smart phone, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), an information processing device such as a wearable device (Wearable Device). Is. Furthermore, the user terminal 10 may include various smart devices having an information processing function. For example, the user terminal 10 may include a smart home electric appliance such as a TV (Television) or a stationary speaker, a smart vehicle such as an automobile, a drone, a household robot, or the like.

The user terminal 10 acquires the web page of the service (for example, website) provided from the service server 30 by accessing the service server 30 according to the operation by the user. Then, the user terminal 10 displays the acquired web page on a display device (for example, a liquid crystal display). Then, the user terminal 10 transmits a product purchase request or order information to the service server 30 via the web page. In addition, the user terminal 10 registers credit card information in the service server 30 (specifically, a website provided by the service server 30), purchases products using the registered credit card, and various It is possible to perform payment processing.

The service server 30 is a server device that provides various services when accessed from the user terminal 10. The service server 30 is, for example, a portal site, news site, weather forecast site, shopping site, auction site, finance (stock price) site, route search site, map providing site, travel information site, restaurant introduction site, restaurant, etc. Various services are provided through various web pages such as reservation sites, web blogs, and SNS (Social Networking Service).

Further, the service server 30 acquires the information regarding the credit card from the user terminal 10 when receiving an order in the service. The service server 30 performs the payment process using the acquired information about the credit card. Specifically, the service server 30 transmits a credit card usage history to the generation device 100, and requests payment processing by the credit card.

The card company server 50 is a server device managed by a card issuing company (issuer). The card company server 50 issues a credit card in response to a user request. In addition, the card company server 50 receives information about the credit card from the generation device 100 and performs a predetermined payment process when the user uses the credit card. For example, the card company server 50 charges the user for the amount of money purchased by the user at the member store.

The generation device 100 is a server device that generates a virtual card corresponding to a credit card, as described above. The generating device 100 may also serve as an acquirer in credit card payment. For example, when the credit card (or virtual card) is used in the member store, the generation device 100 pays the amount on behalf of the user. After that, the generation device 100 receives the amount of money obtained by subtracting the issuer fee from the price received by the card company server 50, which is the issuer, from the user. The generating device 100 may also serve as the card company server 50. For example, the generation device 100 can also serve as the processing performed by the card company server 50 when managed by a business operator who performs a business that also serves as an issuer and an acquirer.

[3. Configuration of generator]
Next, the configuration of the generation device 100 according to the embodiment will be described with reference to FIG. FIG. 5 is a diagram illustrating a configuration example of the generation device 100 according to the embodiment. As illustrated in FIG. 5, the generation device 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The generation device 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator who uses the generation device 100, and a display unit (for example, a liquid crystal display) for displaying various information. You may have.

(About communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits/receives information to/from the user terminal 10, the service server 30, and the card company server 50 via the network N.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. The storage unit 120 includes a virtual card storage unit 121, a member store information storage unit 122, and a usage history storage unit 123.

(About virtual card storage unit 121)
The virtual card storage unit 121 stores information about virtual cards. Here, FIG. 6 illustrates an example of the virtual card storage unit 121 according to the embodiment. FIG. 6 is a diagram illustrating an example of the virtual card storage unit 121 according to the embodiment. In the example shown in FIG. 6, the virtual card storage unit 121 has items such as “user ID”, “real card number”, “virtual card name”, “virtual card number”, and “designation information”. In addition, the item of “designation information” has small items such as “service”, “store”, “expiration date”, “number of times limit”, “limit amount”, and “available user”.

The “user ID” is identification information for identifying the user or the user terminal 10 used by the user. In this specification, the identification information as shown in FIG. 6 may be used as a reference code. For example, the user identified by the user ID “U01” may be referred to as “user U01”.

“This card number” indicates the card number of this card. “Virtual card name” indicates the name of the virtual card. “Virtual card number” indicates the card number of the virtual card.

The “designation information” is information designated by the user with respect to the virtual card, and indicates, for example, conditions regarding the use of the virtual card. “Service” indicates a service that is permitted to be used as the purpose of the virtual card. The “store” indicates a specific name of a member store (or identification information for identifying the member store) that is permitted to be used as the use of the virtual card. Note that the store may be designated by the name of the business operator itself, or may be designated by a website operated by the business operator or the like. For example, when a specific website name is designated, the virtual card can be used only on the website.

The “expiration date” indicates the expiration date set in the virtual card. The expiration date can be arbitrarily set by the user within a range not exceeding the expiration date of the card. “Limit on number of times” indicates a limit on the number of times the virtual card can be used. As for the number of times limit, for example, the total number of times of use may be designated, or the number of times usable within a predetermined period (eg, one month) may be designated.

The “limit amount” indicates the limit amount set for the virtual card. The limit can be arbitrarily set by the user, for example, within a range not exceeding the limit of this card. “Available user” indicates a user name who can use the virtual card. Since users who can use the card can be set arbitrarily, the user can use the virtual card for a so-called family card, for example, by making the virtual card used by a specific family or by managing pocket money of a child. Cards can be used.

That is, in the example of the data shown in FIG. 6, the user U01 identified by the user ID “U01” has registered the credit card with the card number “1000-0000-XXXX” as this card, and the virtual card Indicates that "virtual card A", "virtual card B", "virtual card C", "virtual card D" and "virtual card E" are respectively registered. Further, in FIG. 6, the card number of the virtual card A is “2000-0000-1111”, the designated information is that the service is “shopping”, the store is “site W01”, the “store W02”, and the like. Indicates that the expiration date is "December 2017", the "number of times limit" is "none", the "limit amount" is "100000 yen", and the "available user" is "U01". ing.

Although not shown in FIG. 6, the virtual card storage unit 121 stores information such as the expiration date and limit amount of this card, user information of each user (attributes such as age, sex, and annual income of the user). Information) and the like may be stored. Further, the virtual card storage unit 121 may store the security code issued to each virtual card together with the card number of the virtual card. The security code is a code for preventing unauthorized use, and is created by, for example, a 3-digit or 4-digit number. Note that these pieces of information may be shared with the card company server 50.

(Regarding member store information storage unit 122)
The member store information storage unit 122 stores information about a member store of a credit card. Here, FIG. 7 illustrates an example of the member store information storage unit 122 according to the embodiment. FIG. 7 is a diagram illustrating an example of the member store information storage unit 122 according to the embodiment. In the example shown in FIG. 7, the member store information storage unit 122 has items such as “store ID”, “service”, and “site ID”.

The “store ID” indicates identification information for identifying a business operator who is a member store of a credit card. “Service” indicates the type of service provided by the member store. “Site ID” indicates identification information that identifies a website operated by a member store. Note that the business may operate a plurality of websites. Further, as described above, the user may specify the name of the business operator (store) or the name of the website as the use of the virtual card. Further, when the identification information of the store, not the website, is used as the information stored in the “store” item shown in FIG. 6, the identification information stored in the “store” item shown in FIG. And the identification information stored as the “store ID” shown in FIG.

That is, in the example of the data shown in FIG. 7, the store G01 identified by the store ID “G01” provides a service related to “shopping” as a service, and the operating website is the site ID “ The site W01 is identified by "W01".

(About the usage history storage unit 123)
The usage history storage unit 123 shows a usage history of a credit card or a virtual card. Here, FIG. 8 illustrates an example of the usage history storage unit 123 according to the embodiment. FIG. 8 is a diagram illustrating an example of the usage history storage unit 123 according to the embodiment. In the example shown in FIG. 8, the usage history storage unit 123 has items such as “usage history ID”, “usage date/time”, “store ID”, “usage card”, “verification result”, and “billing amount”.

“Usage history ID” indicates identification information for identifying the usage history. The “date and time of use” indicates the date and time when the card was used. The “store ID” corresponds to the same item shown in FIG. 7, and indicates the store in which the card is used. The “used card” indicates the name of the card used for payment.

The “verification result” indicates whether or not it is verified that the use satisfies the conditions specified for the virtual card. For example, if the verification result is "1", it means that the usage satisfies the specified condition, and if the verification result is "0", it means that the usage does not meet the specified condition. For example, when the verification result is “0”, the settlement process is not performed because the use is illegal. “Billing amount” indicates the amount billed to the user by using the card.

That is, in the example of the data shown in FIG. 8, the usage history K01 identified by the usage history ID “K01” relates to the usage of “September 1, 2017 18:00”, and the card is used. The stored store is the store G01 identified by the store ID "G01", the used card is the "virtual card A", the verification result of the use is "1", and the billing amount is "5000 yen". It is shown that.

(Regarding the control unit 130)
Returning to FIG. 5, the description will be continued. The control unit 130 is, for example, a controller, and is a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like that stores various programs (an example of a generation program) stored in a storage device inside the generation apparatus 100. (Corresponding) is executed by using the RAM as a work area. The control unit 130 is a controller, and is realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) and an FPGA (Field Programmable Gate Array).

As illustrated in FIG. 5, the control unit 130 includes an acquisition unit 131, a reception unit 132, a generation unit 133, a reception unit 134, a verification unit 135, a suggestion unit 136, a transmission unit 137, and a creation unit 138. And implements or executes the functions and actions of information processing described below. Note that the internal configuration of the control unit 130 is not limited to the configuration shown in FIG. 5, and may be another configuration as long as it is a configuration for performing information processing described later. The connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 5, and may be another connection relationship.

(About the acquisition unit 131)
The acquisition unit 131 acquires various kinds of information. For example, the acquisition unit 131 acquires information about the credit card used by the user.

Specifically, the acquisition unit 131 acquires information on the credit card owned by the user through a virtual card application from the user as shown in FIG. Note that the acquisition unit 131 may acquire more detailed credit card information from the card company server 50 based on the information acquired from the user. For example, the acquisition unit 131 inquires of the card company server 50 for information on the credit card based on the card number of the credit card acquired from the user. Then, the acquisition unit 131 acquires detailed information such as the expiration date and the limit amount of the credit card from the card company server 50 that responded to the inquiry.

In addition, the acquisition unit 131 may appropriately acquire the user information regarding the user. For example, the acquisition unit 131 acquires user information from the service server 30. Specifically, the acquisition unit 131 acquires, from the service server 30, attribute information such as gender and age registered by the user in the service provided by the service server 30.

In addition, the acquisition unit 131 acquires information regarding a store in which a credit card can be used. For example, the acquisition unit 131 acquires information (for example, URL (Uniform Resource Locator) etc.) for specifying the type of service provided by the service server 30 and the website operated by the service server 30 which is a member store. To do.

The acquisition unit 131 stores the acquired information in the storage unit 120. For example, the acquisition unit 131 stores the acquired information about the credit card in the virtual card storage unit 121. The acquisition unit 131 also stores the acquired information about the store in the member store information storage unit 122.

(About the reception unit 132)
The reception unit 132 receives various kinds of information regarding the generation of the virtual card. For example, the reception unit 132 receives a virtual card generation request from a user.

In this case, the accepting unit 132 accepts from the user the purpose of designating the virtual card associated with the credit card. The accepting unit 132 may accept not only one use but also a plurality of uses for one virtual card.

For example, the reception unit 132 receives, as a use, designation of a service that can use the virtual card. Specifically, the accepting unit 132 accepts designation of at least one of a shopping service, an auction service, a video distribution service, an electronic book service, or a restaurant or an accommodation facility reservation service as a service. The services specified by the user are not limited to those exemplified above, and the reception unit 132 may receive, from the user, the specification of various services defined in the services provided by the store.

Further, the accepting unit 132 may accept the designation of a store (business operator) that can use the virtual card as the purpose. The reception unit 132 may also receive the name of a specific website operated by the store. The user can set flexible conditions such as avoiding the risk of leakage and limiting the use of virtual cards used by family members by specifying a specific website as the purpose of use. ..

Further, the reception unit 132 may receive the expiration date specified in the virtual card. In addition, the reception unit 132 may receive the number of times limit specified for the virtual card. Further, the reception unit 132 may receive the designation of the user who can use the virtual card. In this way, the accepting unit 132 can accept various conditions regarding the designation of the usage mode of the virtual card.

The accepting unit 132 may accept a request for generating a plurality of virtual cards for one credit card. For example, as shown in Table 40 of FIG. 1, the accepting unit 132 may accept a request to generate virtual cards A to E as virtual cards associated with one credit card C01. In this case, the generation unit 133 receives the usage of each virtual card.

The reception unit 132 stores the information received from the user in the storage unit 120. For example, the reception unit 132 stores the received specification information in the virtual card storage unit 121.

Further, the reception unit 132 may receive a virtual card deletion request generated by the generation unit 133 from the user. For example, the user can issue a virtual card deletion request to the generation device 100 when the virtual card is no longer needed or when information about the virtual card is leaked.

(Regarding the generation unit 133)
The generation unit 133 generates a virtual card associated with the credit card, based on the information regarding the credit card acquired by the acquisition unit 131 and the application accepted by the acceptance unit 132.

For example, the generation unit 133 generates a virtual card that can be used in the service accepted by the acceptance unit 132. Specifically, the generation unit 133 generates a virtual card provided with a condition that it can be used only in the designated service.

Further, the generation unit 133 may generate a virtual card that can be used only in the store accepted by the acceptance unit 132. Further, the generation unit 133 may generate a virtual card that can be used only by the website accepted by the acceptance unit 132. In this way, the generation unit 133 generates the virtual card limited to the use designated by the user.

The generation unit 133 may also generate a virtual card in which the expiration date accepted by the acceptance unit 132 is set. Further, the generation unit 133 may generate a virtual card in which the number of times limit is accepted by the accepting unit 132. Further, the generation unit 133 may generate a virtual card that is set to be usable only by the user accepted by the acceptance unit 132. In this way, the generation unit 133 can generate a virtual card in which various conditions are set according to the designation of the user.

In addition, when the generation unit 133 receives a request for generation of a plurality of virtual cards for one credit card, the generation unit 133 may generate a plurality of virtual cards each having a designated use. Accordingly, the generation unit 133 can meet the requests of users who want to register different credit card numbers for each website, users who want to purchase by using different credit card information for each family, and the like.

In addition, when the generation unit 133 receives a virtual card deletion request from the user, the generation unit 133 invalidates individual virtual cards or all virtual cards associated with credit cards according to the received deletion request. To do. In this way, the generation unit 133 can promptly deal with the case where the virtual card information is leaked and the unnecessary virtual card. Further, even if the generation unit 133 invalidates the virtual card, this card is not affected, so that the user does not have to perform a troublesome process such as a reissuance procedure of this card.

The generation unit 133 registers (stores) the generated virtual card information in the virtual card storage unit 121. In addition, the generation unit 133 makes a setting to invalidate the use of the virtual card that has received the deletion request. In addition, the generation unit 133 transmits information regarding the generated virtual card to the user via, for example, an application installed in the user terminal 10 or a website provided by the generation device 100.

(About receiving unit 134)
The receiving unit 134 receives, from the service server 30, information indicating that a credit card or a virtual card has been used. The reception unit 134 stores the received information in the usage history storage unit 123 as a usage history. Further, the receiving unit 134 sends the received information to the verification unit 135 or the proposing unit 136.

(About the verification unit 135)
When the user uses the virtual card, the verification unit 135 verifies whether the usage is valid.

Specifically, the verification unit 135 verifies whether or not the intended use of the virtual card matches the intended use when the virtual card is actually used. For example, when the virtual card for which the service “shopping” is specified is used in the service “auction”, the verification unit 135 determines that the use is illegal and does not approve the payment.

Further, the verification unit 135 verifies whether or not the usage of the virtual card satisfies various specified information other than the purpose. For example, the verification unit 135 verifies whether the expiration date of the virtual card, the limit amount, the user, etc. satisfy the specified conditions.

The verification unit 135 may verify the same usage conditions as a general credit card. For example, the verification unit 135 may verify whether or not the security code input by the user is assigned to the virtual card.

The verification unit 135 stores the verification result in the usage history storage unit 123. The verification unit 135 also sends the verification result to the transmission unit 137.

(About proposal section 136)
When a credit card other than the virtual card generated by the generation unit 133 is used for payment processing or the like in the service server 30, the suggestion unit 136 responds to the user who used the credit card with the credit card. We propose the generation of attached virtual cards.

For example, when the proposal unit 136 receives a usage history in which a credit card that can generate a virtual card is used, a link to an application screen for applying for a virtual card, a message that proposes generation of a virtual card, etc. To generate. Then, the suggestion unit 136 prompts the user to generate a virtual card by displaying the generated link, message, or the like on the user terminal 10.

(About transmitter 137)
The transmission unit 137 transmits various information. For example, when the verification unit 135 verifies that there is no problem in using the virtual card, the transmission unit 137 identifies the credit card associated with the virtual card, and provides information about the identified credit card to the card company. Send to the server 50.

In addition, when the verification unit 135 determines that there is a problem in using the virtual card, the transmission unit 137 transmits an error message indicating that the virtual card cannot be used to the user terminal 10.

(About creating unit 138)
The creation unit 138 creates the usage details of the plurality of virtual cards generated by the generation unit 133 for each virtual card. In addition, the creation unit 138 sends the created usage information for each virtual card to the user terminal 10. As a result, the user can know the usage status of each virtual card, and thus can easily understand the usage amount of money for each service, for example. Note that the usage statement may be, for example, a content in which a usage history (a record of what kind of service was used when, etc.) is described for each virtual card, or the amount charged (usage amount) for each usage. It may be a written billing statement or bill.

[5. Processing procedure]
Next, a processing procedure by the generation device 100 according to the embodiment will be described with reference to FIGS. 9 and 10. First, a processing procedure such as generation processing according to the embodiment will be described with reference to FIG. 9. FIG. 9 is a flowchart (1) showing a processing procedure according to the embodiment.

As shown in FIG. 9, the generation device 100 determines whether or not a virtual card generation request has been received from the user (step S101). When the generation request is not received (step S101; No), the generation device 100 waits until it is received.

On the other hand, when the generation request is received (step S101; Yes), the generation device 100 acquires the information of this card associated with the virtual card (step S102). Further, the generation device 100 receives the designation information of the virtual card to be generated from the user (step S103).

Then, the generation device 100 generates a virtual card based on the acquired credit card information and designation information (step S104). The generation device 100 registers information regarding the generated virtual card in the storage unit 120 (step S105). Further, the generation device 100 transmits information regarding the generated virtual card to the user (step S106).

Next, a processing procedure regarding the reception processing and the like according to the embodiment will be described with reference to FIG. FIG. 10 is a flowchart (2) showing the processing procedure according to the embodiment.

As illustrated in FIG. 10, the generation device 100 determines whether or not the usage information indicating that the card (credit card or virtual card) has been used is received from the service server 30 (step S201). When the usage information is not received (step S201; No), the generation device 100 waits until the usage information is received.

On the other hand, when the generation device 100 receives the use information (step S201; Yes), the generation device 100 determines whether the use is for a virtual card (step S202). When the virtual card is used (step S202; Yes), the generation device 100 verifies the use (use and other designated information) for which the virtual card is used (step S203).

On the other hand, when the virtual card is not used (step S202; No), that is, when the normal credit card is used, the generation device 100 proposes generation of the virtual card to the user (step S204). The subsequent generation processing is the same as the content shown in FIG. It should be noted that the generation device 100 performs a payment process using a normal credit card after the process of step S204.

The generation device 100 verifies the application for which the virtual card is used and determines whether the use of the virtual card satisfies the conditions specified for the virtual card (step S205). When the specified condition is satisfied (step S205; Yes), the generation device 100 identifies the credit card associated with the virtual card (step S206). Then, the generation device 100 performs the payment process using the specified credit card (step S207). The payment process may be performed by the card company server 50 or the like that has received the information about the specified credit card.

On the other hand, when the use of the virtual card does not satisfy the condition specified for the virtual card (step S205; No), the generation device 100 transmits an error message to the user terminal 10 (step S208), and the payment process by the use is performed. Do not do.

[6. Modification example)
The generation device 100 described above may be implemented in various different forms other than the above-described embodiment. Therefore, other embodiments of the generation device 100 will be described below.

[6-1. Issuing a physical card]
In the above embodiment, an example in which a virtual card is generated as virtual information on the network has been shown. Here, the virtual card may be generated as information embedded in a physical card that can be used offline.

As described above, the generation device 100 can give a card number and a security code to each virtual card. At this time, the generation device 100 may generate virtual card information that enables issuance of a physical card as the generated virtual card. For example, the card issuing company issues a physical card based on the virtual card information generated by the generation device 100. Like the virtual card described in the embodiment, such a physical card can be used for limited purposes. Also, when such a physical card is used, as in the virtual card described in the embodiment, the usage history is transmitted to the generation device 100, and the generation device 100 specifies the credit card corresponding to the virtual card. Therefore, the user can use the physical card as a virtual card in the same usage mode as a normal credit card.

[6-2. Designated information)
In the above embodiment, an example in which a service or a store is designated as the information designated in the virtual card has been shown, but the generation device 100 may accept different designation information.

For example, the generation device 100 may receive a designation regarding an area where the virtual card can be used. For example, the generation device 100 estimates the area where the user terminal 10 is located based on the IP address of the user terminal 10 that intends to use the virtual card, the position information detected by the user terminal 10, and the like. Then, the generation device 100 verifies whether the estimated area is the area designated by the virtual card. When the estimated area is not the area designated by the virtual card, the generation device 100 may perform processing such as not allowing the use.

Thereby, even if the virtual card is leaked, the generation device 100 can restrict the use of the virtual card, for example, when a malicious third party tries to use the virtual card in another country. For this reason, the generation device 100 can secure higher safety in using the virtual card.

[6-3. Virtual card generation]
In the above embodiment, the example in which the generation device 100 generates a virtual card in response to a request from the user has been described, but the generation device 100 may generate a virtual card without a request from the user.

For example, when a normal credit card is used, the generation device 100 may automatically generate a virtual card corresponding to the credit card. Then, the generation device 100 transmits information regarding the generated virtual card to the user. As a result, the user can generate the virtual card without any trouble. After that, the user can use the generated virtual card instead of the credit card.

[6-4. Payment method)
In the above embodiment, an example in which the virtual card and the credit card are associated with each other has been shown, but the virtual card may be associated with a payment means other than the credit card. For example, the generation device 100 associates not only a means such as a credit card that secures creditworthiness to make a settlement afterwards but also a means (such as a prepaid card) that prepays a predetermined amount in advance with a virtual card. Good. In this case, the generation device 100 performs the generation process according to the above-described embodiment by linking with the server device that has the information about the amount paid in advance, instead of the card company server 50. In addition, the generation device 100 associates not only a prepaid card, but also an electronic money card, a payment means that cooperates with an electronic money function that functions in the user terminal 10 with a virtual card, and other various payment means. With respect to, the processing according to the embodiment may be applied.

[7. Hardware configuration]
The generation device 100, the user terminal 10, and the like according to the above-described embodiments are realized by, for example, a computer 1000 having a configuration illustrated in FIG. 11. Hereinafter, the generation device 100 will be described as an example. FIG. 11 is a hardware configuration diagram illustrating an example of a computer 1000 that realizes the functions of the generation device 100. The computer 1000 includes a CPU 1100, a RAM 1200, a ROM (Read Only Memory) 1300, an HDD (Hard Disk Drive) 1400, a communication interface (I/F) 1500, an input/output interface (I/F) 1600, and a media interface (I/F). ) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 to control each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 starts up, a program dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N shown in FIG. 4) and sends the data to the CPU 1100, and the data generated by the CPU 1100 is transmitted via the communication network 500 to another. Send to device.

The CPU 1100 controls output devices such as a display and a printer and input devices such as a keyboard and a mouse via the input/output interface 1600. The CPU 1100 acquires data from the input device via the input/output interface 1600. In addition, the CPU 1100 outputs the data generated via the input/output interface 1600 to the output device.

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

For example, when the computer 1000 functions as the generation device 100 according to the embodiment, the CPU 1100 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the RAM 1200. Further, the HDD 1400 stores the data in the storage unit 120. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via the communication network 500.

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

Further, each component of each device shown in the drawings is functionally conceptual and does not necessarily have to be physically configured as shown. That is, the specific form of distribution/integration of each device is not limited to that shown in the figure, and all or part of the device may be functionally or physically distributed/arranged in arbitrary units according to various loads and usage conditions. It can be integrated and configured. For example, the acquisition unit 131 and the reception unit 134 illustrated in FIG. 5 may be integrated. Further, for example, the information stored in the storage unit 120 may be stored in a predetermined storage device provided outside via the network N.

Further, in the above-described embodiment, an example has been shown in which the generation device 100 performs, for example, an acquisition process of acquiring credit card information, a reception process of receiving designated information, and a generation process of generating a virtual card. However, the above-described generation device 100 may be separated into an acquisition device that performs the acquisition process, a reception device that performs the reception process, and a generation device that performs the generation process. In this case, the acquisition device has at least the acquisition unit 131. The reception device has at least a reception unit 132. The generation device has at least the generation unit 133. The processing performed by the generation device 100 described above is realized by the generation system 1 including the acquisition device, the reception device, and the generation device.

Further, the above-described embodiments and modified examples can be appropriately combined within a range in which the processing content is not inconsistent.

[9. effect〕
As described above, the generation device 100 according to the embodiment has the acquisition unit 131, the reception unit 132, and the generation unit 133. The acquisition unit 131 acquires information about the credit card used by the user. The accepting unit 132 accepts from the user the purpose of designating the virtual card associated with the credit card. The generation unit 133 generates a virtual card associated with the credit card, based on the information regarding the credit card acquired by the acquisition unit 131 and the application accepted by the acceptance unit 132.

As described above, the generation device 100 according to the embodiment can reduce the chances of leaking the information of this card onto the network by generating the virtual card corresponding to the credit card, so that the security of payment can be improved. Can be improved. Further, since the generation device 100 generates the virtual card according to the purpose designated by the user, it is possible to generate the virtual card according to the usage mode desired by the user. Thereby, the generation device 100 can improve the convenience of the user regarding the use of the credit card.

In addition, the reception unit 132 receives, as a use, designation of a service that can use the virtual card. The generation unit 133 generates a virtual card that can be used in the service accepted by the acceptance unit 132.

As described above, the generation device 100 according to the embodiment can improve the convenience of using a credit card by generating a virtual card that can be selectively used for each service.

Further, the reception unit 132 receives designation of at least one of a shopping service, an auction service, a video distribution service, an electronic book service, or a restaurant or an accommodation facility reservation service as a service.

As described above, the generation device 100 according to the embodiment can generate a virtual card according to various service types. As a result, the generation device 100 can meet various user requests.

Further, the reception unit 132 receives, as a use, designation of a store in which the virtual card can be used. The generation unit 133 generates a virtual card that can be used in the store accepted by the acceptance unit 132.

As described above, the generation device 100 according to the embodiment generates a virtual card that can be used properly for each store, and thus provides the user with a flexible usage mode such as selecting a virtual card to be registered according to the store. Can be provided.

Further, the reception unit 132 receives the expiration date specified in the virtual card. The generation unit 133 generates a virtual card in which the expiration date accepted by the acceptance unit 132 is set.

As described above, according to the generation device 100 according to the embodiment, the expiration date of the virtual card can be provided separately from the credit card. Therefore, the user can suppress damage when the information of the virtual card is leaked, You can restrain the use.

In addition, the reception unit 132 receives the number of times of use restriction specified for the virtual card. The generation unit 133 generates the virtual card in which the use count limit accepted by the acceptance unit 132 is set.

As described above, according to the generation device 100 according to the embodiment, it is possible to perform the setting to limit the number of times the virtual card is used. Therefore, the user can suppress the damage when the information of the virtual card is leaked or use the card. Can be restrained.

Further, the reception unit 132 receives the designation of the user who can use the virtual card. The generation unit 133 generates a virtual card set to be usable only by the user accepted by the acceptance unit 132.

As described above, the generation device 100 according to the embodiment allows the virtual card to be used like a family card by accepting the designation of an available user, and is authorized to use the virtual card instead of spending money with a child. Various uses such as handing over can be made possible.

Further, the reception unit 132 receives a request for generating a plurality of virtual cards for one credit card. The generation unit 133 generates a plurality of virtual cards each of which has a designated use.

As described above, since the generation device 100 according to the embodiment can generate a plurality of virtual cards with specified uses, it is possible to improve user convenience such as using different virtual cards for different uses.

In addition, the generation device 100 according to the embodiment further includes a creation unit 138 that creates usage details of a plurality of virtual cards generated by the generation unit 133 for each virtual card.

As described above, the generation device 100 according to the embodiment can make the user easily understand the information such as which virtual card (that is, the usage) the usage amount is large by creating the usage statement for each virtual card. .. Thereby, the generation device 100 can improve the convenience of the user regarding the credit card.

Further, the reception unit 132 receives a virtual card deletion request generated by the generation unit 133 from the user. The generation unit 133 invalidates individual virtual cards or all virtual cards associated with credit cards in response to the deletion request received by the reception unit 132.

As described above, the generation device 100 according to the embodiment can collectively accept the deletion request when the information of the virtual card is leaked. Therefore, even if the user registers a plurality of virtual card information on various websites, the generation device 100 can invalidate all the information with a single deletion request. In addition to safety, it is possible to execute processing that is highly convenient for the user.

Further, when the credit card other than the virtual card generated by the generation unit 133 is used, the generation device 100 according to the embodiment allows the user who has used the credit card to generate a virtual card associated with the credit card. It further has a suggestion unit 136 that proposes generation.

As described above, the generation device 100 according to the embodiment can promote the generation and use of the virtual card by proposing the generation of the virtual card.

Further, the generation unit 133 generates virtual card information that enables issuance of a physical card as a virtual card.

As described above, the generation device 100 according to the embodiment can generate a virtual card that can be used even in offline (real world) by generating virtual card information to be incorporated in a physical card. The convenience of can be further improved.

The embodiments of the present application have been described in detail above with reference to the drawings. However, this is merely an example, and various modifications and improvements are made based on the knowledge of those skilled in the art, including the modes described in the section of the disclosure of the invention. It is possible to implement the present invention in other forms.

Further, the "section (module, unit)" described above can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition unit or an acquisition circuit.

1 generation system 10 user terminal 30 service server 50 card company server 100 generation device 110 communication unit 120 storage unit 121 virtual card storage unit 122 member store information storage unit 123 usage history storage unit 130 control unit 131 acquisition unit 132 reception unit 133 generation unit 134 Receiver 135 Verification Unit 136 Proposal Unit 137 Transmitter 138 Creation Unit

Claims (14)

An acquisition unit that acquires information about the credit card used by the user,
A reception unit that receives from the user a purpose of designating a virtual card associated with the credit card,
A generation unit that generates a virtual card associated with the credit card, based on the information about the credit card acquired by the acquisition unit, and the application accepted by the acceptance unit;
A generating device comprising: The reception unit,
As the use, accepting designation of services that the virtual card can use,
The generator is
Generate a virtual card that can be used in the service accepted by the accepting unit,
The generating device according to claim 1, wherein The reception unit,
As the service, a designation of at least one of a shopping service, an auction service, a video distribution service, an electronic book service, or a restaurant or accommodation facility reservation service is accepted,
The generation device according to claim 2, wherein The reception unit,
As the application, accept the designation of a store in which the virtual card can be used,
The generator is
Generate a virtual card usable in the store accepted by the accepting unit,
The generating device according to claim 1, wherein the generating device is a generator. The reception unit,
Accept the expiration date specified for the virtual card,
The generator is
Generating a virtual card with the expiration date accepted by the acceptance unit,
The generation device according to claim 1, wherein The reception unit,
Accept the usage limit specified for the virtual card,
The generator is
Generate a virtual card in which the number of times of use limit set by the receiving unit is set,
The generating device according to claim 1, wherein The reception unit,
Accept the designation of users who can use the virtual card,
The generator is
Generating a virtual card that is set to be usable only by the user accepted by the accepting unit,
The generating device according to claim 1, wherein The reception unit,
Accepts requests to generate multiple virtual cards for one credit card,
The generator is
Generate multiple virtual cards, each with its own purpose,
The generating device according to claim 1, wherein A creation unit that creates usage details for a plurality of virtual cards generated by the generation unit for each virtual card,
The generating device according to claim 8, further comprising: The reception unit,
Accepts a virtual card deletion request generated by the generation unit from a user,
The generator is
In response to the deletion request accepted by the acceptance unit, individual virtual cards or all virtual cards associated with the credit card are invalidated,
The generation device according to claim 8 or 9, characterized in that. When a credit card other than the virtual card generated by the generation unit is used, a proposing unit that proposes to the user who used the credit card to generate a virtual card associated with the credit card,
The generating apparatus according to claim 1, further comprising: The generator is
As the virtual card, generate virtual card information that enables issuing of a physical card,
The generating device according to claim 1, wherein A computer-implemented method of generation,
An acquisition step of acquiring information about the credit card used by the user,
A receiving step of receiving from the user an application for designating a virtual card associated with the credit card,
A generation step of generating a virtual card associated with the credit card, based on the information about the credit card acquired by the acquisition step, and the application accepted by the acceptance step;
A generating method characterized by including. Acquisition procedure to acquire information about credit card used by user,
An acceptance procedure for accepting from the user the purpose of designating a virtual card associated with the credit card,
A generation procedure for generating a virtual card associated with the credit card, based on the information about the credit card acquired by the acquisition procedure, and the application accepted by the acceptance procedure,
A program that causes a computer to execute.

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