JP2020160669A - System, device, method and computer program for presenting information on settlement medium or information on settlement information - Google Patents

Abstract

To provide information on a settlement medium by a method other than mailing.SOLUTION: A server device transmits information on means for presenting information on a settlement medium by first communication means and transmits information required to present the information on the settlement medium by second communication means to a user terminal.SELECTED DRAWING: Figure 4

Description

The present invention relates to a system, an apparatus, a method and a computer program for presenting information on a payment medium or information related to payment information.

Conventionally, payment media for making payments, such as credit cards and debit cards, are examined by the user making an application, and then sent to the user by mail. In the past, people had to carry out mailing work, so it took several days for the payment medium to reach the user.

In recent years, on EC (Electronic Commerce) sites that are often used, payment media such as credit cards are not required when shopping, and information about payment media (card number, security code, expiration date, etc.) is required. ..

It is desired to provide information on the payment medium or information based on the payment medium by a method other than mail.

The system according to the embodiment of the present invention responds to one or more user terminals that transmit a request to start using the payment medium and a decision to issue the payment medium based on the request. The information on the means for presenting the information on the payment medium is used by the first communication means, and the information necessary for presenting the information on the payment medium is used by the second communication means. It can be provided with a server device for transmitting to a personal terminal.

The system according to the Example of this invention is shown. FIG. 2 shows a user terminal according to an embodiment of the present invention. FIG. 3 shows a payment medium issuing server according to an embodiment of the present invention. The processing flow according to the Example of this invention is shown. The processing flow according to the Example of this invention is shown.

The following items will be described.
1. 1. Conventional technology 2. System according to an embodiment of the present invention 3. User terminal 4. Payment medium issuing server 5. Processing flow 6. Communication means 7. User terminal 8. Display of user identification information 9. Other

1. 1. Conventional Technology Conventionally, payment media for making payments such as credit cards and debit cards have been issued by mail. Since the payment medium is sent by mail, postal workers and the like ask whether the recipient is the owner of the payment medium based on the personal identification information of the recipient of the payment medium (for example, information such as a driver's license). Whether or not it can be determined (ie, identity verification). As a result, the payment medium is provided to the correct owner of the payment medium, and the correct owner can know the information (card number, security code, expiration date, etc.) about the payment medium. However, since the payment medium was issued by mail, the user could not immediately obtain information on the payment medium.

When shopping on an EC (Electronic Commerce) site, etc., the user can shop using the information on the payment medium, so it is not necessary for the issuance of the payment medium and the notification of the information on the payment medium to be at the same timing. Rather, it has been desired that information regarding payment media be notified immediately.

2. 2. System by Example of the Invention Figure 1 shows the system 100 according to an embodiment of the present invention. The system 100 includes at least a user terminal 105 and a payment medium issuing server 110. The user terminal 105 includes, for example, a personal terminal 105a such as a mobile phone, a smartphone, or a tablet, and a computer 105b such as a desktop personal computer or a notebook personal computer. The user can access the payment medium issuing server 110 by using at least one of the user terminals 105. The payment medium issuing server 110 is realized by one or more computers, and can supply at least information about the payment medium to the user terminal 105. The payment medium issuing server 110 can also communicate with an external computer (not shown in FIG. 1).

3. 3. User Terminal FIG. 2 shows a user terminal 105 according to an embodiment of the present invention. The user terminal 105 includes at least an input device 205, an output device 210, a processor 215, a storage device 220, and a communication device 225. The input device 205, the output device 210, the processor 215, the storage device 220, and the communication device 225 are connected to each other via the bus 250. The input device 205 includes at least one of input devices such as a keyboard, a voice input device, and a touch panel type keyboard. The output device 210 includes at least one output device such as a speaker and a display device. The display device may display a touch panel type keyboard. The storage device 220 includes a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. The processor 215 controls the user terminal 105 based on the computer program stored in the storage device 220. The user terminal 105 can communicate with another device such as the payment medium issuing server 110 by using the communication device 225 via a communication line such as the Internet. The devices 205 to 225 shown for the user terminal 105 are an example, and the user terminal 105 may include other devices, and a part of the devices 205 to 225 may be omitted.

4. Payment medium issuing server FIG. 3 shows a payment medium issuing server 110 according to an embodiment of the present invention. The payment medium issuing server 110 includes at least a processor 305, a storage device 310, and a communication device 315. The processor 305, the storage device 310, and the communication device 315 are connected to each other via the bus 350. The storage device 310 includes a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. A large database may be implemented using the storage device 310. The processor 305 controls the payment medium issuing server 110 based on the computer program stored in the storage device 310. The payment medium issuing server 110 can communicate with other devices such as the user terminal 105 via a communication line such as the Internet using the communication device 315. The devices 305 to 315 shown for the payment medium issuing server 110 are an example, and the payment medium issuing server 110 may include other devices, and a part of the devices 305 to 315 may be omitted. Although the payment medium issuing server 110 is physically shown as one in FIG. 3, it may be realized by one or more computer devices. In other words, the payment medium issuing server 110 may be physically realized by one computer, or may be logically realized by one computer. Further, the payment medium issuing server 110 may be composed of a plurality of computers owned by different organizations.

5. Processing Flow FIGS. 4 and 5 show a processing flow according to an embodiment of the present invention. The step shown in FIG. 5 is executed after the step shown in FIG. First, one or more user terminals 105 transmit a request for starting the use of the credit card to the payment medium issuing server 110 (step 405). The request to start using the payment medium can include the information required to use the payment medium, such as name, birthday, address, phone number, login identifier, password corresponding to the login identifier, etc. Personal information and payment information such as bank account and bank account password information may be included. After the payment medium issuing server 110 receives the application for the payment medium by receiving the request, the payment medium issuing server 110 determines that the payment information is correct (step 407). For example, when the payment information is bank account information, the payment medium issuing server 110 acquires the personal information of the bank account owner by inquiring the bank account information to the computer of the financial institution, and the computer of the financial institution. The identity of the user can be confirmed based on the personal information obtained from the user terminal 105 and the personal information obtained from the user terminal 105. In another embodiment, the device installed outside the payment medium issuing server 110 may determine that the payment information is correct. In this case, the payment medium issuing server 110 transmits necessary information (part or all of personal information and payment information) to the external device, and the external device determines the received information, and the payment information is correct. The result of the determination as to whether or not it can be transmitted to the payment medium issuing server 110. For example, in Japan, net pagey is known as an example of an external device. By using Netpaige, the identity verification procedure under the Act on Prevention of Transfer of Criminal Proceeds (Criminal Proceeds Transfer Prevention Law) is realized.

The payment medium issuing server 110 examines whether or not the user can start using the payment medium based on the result of determining whether or not the payment information is correct (step 409). That is, it is determined that the use can be started according to the correct payment information. The payment medium issuing server 110 may further acquire the user's credit information (step 410). In one embodiment, a credit information agency device installed outside the payment medium issuing server 110 may provide credit information to the payment medium issuing server 110. In step 409, the payment medium issuing server 110 examines whether or not the user can start using the payment medium in addition to or instead of determining whether or not the payment information is correct, based on the credit information. can do.

When the device of the credit information agency installed outside is used, the credit information is not provided to the payment medium issuing server 110 during the time when the credit information agency is not in business. Therefore, after the business hours of the credit information agency are reached, the payment medium issuing server 110 can perform the examination after receiving the credit information.

The payment medium issuing server 110 can decide to issue the payment medium when the examination is OK (when the examination is passed). When it is determined to issue the payment medium, the payment medium issuing server 110 registers the user's information in the storage device 310 (step 412). The payment medium issuing server 110 can register information about the payment medium such as a card number, a security code, and an expiration date in the storage device 310 as user information.

In another embodiment, in step 412, a payment limit related to each user may be registered as user information. Further, the payment limit may be determined based on the attributes of the user, the attributes of the payment medium, the time when the payment medium is issued, and the like. For example, as an example of the user's attribute, it can be the creditworthiness of the user, and when the creditworthiness is higher, the settlement limit can be set to a higher amount. The attribute of the payment medium can be, for example, the type of credit card or the credit card company, and the payment limit may be determined according to the information. As for the time for issuing the payment medium, for example, when issuing at night, it is relatively difficult to immediately respond to any deficiencies, so a payment limit that is lower than usual may be set.

In another embodiment, in step 412, the available amount may be set in combination with or independently of the settlement limit. The available amount may be set lower than the settlement limit. When the information about the payment medium is presented in step 426, which will be described later, the payment medium (for example, a credit card) has not been delivered to the user. In this case, the user may misuse the information about the payment medium by spoofing or the like. Information about the payment medium is presented, but the available amount may be used until the payment medium is issued. As a result, even if the user misuses the payment medium, the damage can be limited to the usable amount.

If the examination is NG, a refusal email is sent to the user to inform the user that the payment medium cannot be used (step 414). In another embodiment, the means for notifying that the payment medium cannot be used may be realized by other means such as a short message or a notification by a message application instead of an email.

The payment medium issuing server 110 is a message indicating a means for presenting information on the registered payment medium based on the information on the registered payment medium (for example, a URL (Uniform Password Password) of the presentation destination) and a payment medium. Create a message with the information needed to present information about (eg, password, etc.) (step 416).

The payment medium issuing server 110 transmits a message (for example, a URL) indicating a means for presenting information about the payment medium to the user terminal 105 by the first communication means (step 418), and further transmits information about the payment medium. A message indicating the information necessary for presentation (for example, a password) is transmitted to the user terminal 105 by the second communication means (step 418).

The payment medium issuing server 110 creates information necessary for means for presenting information about the payment medium in response to a request (step 424) from the user terminal 105 (step 426). For example, when the means for presenting information about the payment medium is a WEB screen, the payment medium issuing server 110 sets the HTML in response to the click of the URL of the message transmitted by the first means on the user terminal 105. Is used to create the information necessary for the means of presenting information about the payment medium.

The WEB screen may be created for each user, and further has a password input field that the user can enter. The user terminal 105 displays the created WEB screen and prompts the user to input the password transmitted by the second communication means. The payment medium issuing server 110 receives the entered password from the user terminal 105, and if the password is correct, transmits information about the payment medium (card number, security code, expiration date, etc.) to the user terminal 105. The user terminal 105 displays the received information on the payment medium on the display device.

In one embodiment, the means for presenting information about the payment medium may be provided with an expiration date. For example, after 24 hours, the means of presenting information about the payment medium can be made unavailable. When the WEB screen is used as the presenting means, the WEB screen is valid for 24 hours after the URL of the WEB screen is transmitted in the message, and after that, the WEB screen may be disabled so as not to be opened.

A company or institution having a payment medium issuing server 110, or an external company or institution based on the instructions thereof, issues a payment medium (for example, a credit card). The payment medium itself is sent to the user by registered mail, for example, by Japan Post (step 428). A message containing a login identifier and / or a passcode may be sent together with the payment medium. The login identifier and passcode can be the same as the login identifier and password entered in step 405, respectively. Further, the login identifier and / or passcode can be one generated by the payment medium issuing server. In one embodiment, the login identifier is the login identifier entered in step 405, and the passcode can be generated by the payment medium issuing server. In other embodiments, the login identifier and / or passcode notification may be different. One or both of the login identifier and passcode notifications may be implemented by mail, email, short message, voice, message, or the like.

In another embodiment, the payment medium issuing server may determine not to issue the payment medium at the request of the user or the request of the credit card company. For example, in shopping at a virtual mall such as shopping via the Internet, a credit card number is used for shopping, so some users may not want to issue a commonly used plastic credit card. By not issuing a payment medium, it is possible to meet such a user's request.

In this embodiment, since the identity of the user has been confirmed in step 407, the payment medium may be sent by registered mail (step 428). If it is desired to issue the payment medium more safely, the payment medium may be sent by other methods such as personal receipt or specific record.

The user can log in to the payment medium issuing server 110 by using the login identifier and the passcode acquired in step 428 (step 430). The payment medium issuing server 110 determines that the combination of the login identifier and the passcode is correct. When the available amount is set in step 426, the payment medium issuing server 110 can cancel the available amount depending on the correct combination. As a result, the user can shop with the payment medium up to the payment limit amount. In another embodiment, the payment medium issuing server 110 may specify that the user has received the payment medium, depending on the correct combination. For example, when the payment medium is sent by simple registered mail, receipt cannot be confirmed by simple registered mail, so it is useful to be able to confirm receipt of the payment medium.

The payment medium issuing server 110 can release the available amount according to the lapse of N (N: integer) days after issuing the payment medium or the information of the payment medium (step 432). In this embodiment, since the identity verification is performed in step 407, the possibility that the payment medium is misused is low, and therefore, the cancellation of the available amount can be adopted in step 432. As another embodiment, in step 432, the payment medium issuing server 110 stops using the payment medium according to the elapse of N (N: integer) days after issuing the payment medium or the information of the payment medium. You may.

6. Communication means

In each of the above embodiments, the first communication means and the second communication means are realized by the communication device 225 of the user terminal 105 and / or the communication device 315 of the payment medium issuing server 110.

In each of the above embodiments, it is desirable that the first communication means is different from the second communication means. For example, the first communication means may be an email and the second communication means may be a short message. Since a telephone number is required to send a short message, it is guaranteed that the correct telephone number of the user terminal is provided to the payment medium issuing server 110 by sending the short message to the correct destination. To. In one embodiment, the telephone number to which the short message is sent may be the telephone number transmitted from the user terminal 105 to the payment medium issuing server 110 in the request for starting the use of the payment medium (step 405). it can.

In each of the above embodiments, the first communication means is an e-mail and the second communication means is a short message, but this is an example and is not limited thereto. The first communication means may be at least different from the second communication means. For example, the first communication means may be a short message and the second communication means may be an email. In one embodiment, at least one of the first communication means and the second communication means may be realized by a notification function such as a message application or other means. Examples of messaging apps include Facebook Messenger, Line's Line, and Google's Message. These are examples, and the messaging app may include others. In another embodiment, at least one of the first communication means and the second communication means may be communication using voice such as a voice call.

In another embodiment, the first communication means may be the same means as the second communication means. For example, when the first communication means and the second communication means are e-mails, the e-mail address of the destination by the first communication means (user's e-mail address) is the e-mail address of the destination by the second communication means ( It can be different from the user's email address). That is, the first communication means is the same as the second communication means, but the information of the transmission destinations of the first communication means and the second communication means is different.

7. User Terminals In each of the above embodiments, the user may use two user terminals. For example, a user inputs and outputs information on a user terminal 105b such as a computer, and uses a mobile phone, a smartphone, or the like to receive information necessary for presenting information on a payment medium by a second communication means. This can be done at the computer terminal 105a. As a result, the user can input / output information on the user terminal 105b having a relatively large screen. In another embodiment, the embodiment of the present invention may be realized by one user terminal.

The request for starting the use of the payment medium from the user terminal 105 may be made only via the EC site. A request to start using the payment medium may be executed at the EC site. Users browsing the EC site are likely to have products / services that they want to purchase or are interested in, and there is a motivation to use the payment medium while browsing the EC site. , There is a high possibility that a new payment medium will be issued. As a result, it is possible to acquire more users of the payment medium.

8. Display of User Identification Information In each of the above embodiments, the information on the medium issued by the payment medium issuing server 110 has been described as information on the payment medium such as a credit card number, but the user identification information that can identify the user. It may be. For example, it can be used as user identification information required when entering a venue such as various events. In the embodiment of the present invention, the identity can be confirmed by determining the payment information, which is effective as a countermeasure against terrorism at the event venue. In another embodiment, in step 424 of FIG. 4, as the user identification information presented to the user terminal 105, in addition to information such as alphanumeric characters, a barcode, a QR code, a smartphone application, or the like is used. May be good. As a result, the entrance can be performed more smoothly by confirming the entrance through a barcode or the like when entering the event venue.

In another embodiment, the user terminal 105 can display a photograph of the user together with the user identification information. As a result, it is possible to more accurately confirm the identity when entering the venue. In this case, the server 110 can make the user terminal 105 transmit the photograph of the user in step 405 of FIG. In this embodiment, instead of steps 409 and 410 in FIG. 4, the server 110 may determine whether it is appropriate to issue the user identification information. For example, if the number of visitors to a predetermined event does not exceed the threshold value, it may be judged to be appropriate.

In another embodiment, the credit card information may be notified to a third party at the request of the user.

When the user identification information is presented to the user terminal 105, instead of steps 418 and 420 in FIG. 4, the first communication means transmits information about the means for presenting the user identification information, and the second Information necessary for presenting the user identification information is transmitted by the communication means.

In another embodiment, the server 110 transmits the user identification information to the user terminal, and performs ticket payment for an event or the like using the user identification information based on the payment information transmitted from the user terminal 105. You may.

9. Others In step 418 and / or step 420, when the payment medium issuing server 110 detects that the first communication means and / or the second communication means cannot transmit a message to the user terminal 105, the first The means of presenting information about the payment medium indicated by the message transmitted by the means of communication can be immediately disabled. As a result, the payment medium issuing server 110 can prevent unauthorized login. The inability to send the message may be determined in response to the reply of the error message, for example due to the inability to identify the recipient.

The information processing shown in each of the above embodiments may be realized as a method. The method may be realized as a computer program stored in the storage device 310 of the server 110 and / or the storage device 220 of the user 105.

In each of the above embodiments, some or all of some of the elements described to be achieved in hardware can be implemented in software, and some described to be achieved in software. It will be appreciated that some or all of the elements can be implemented in hardware.

In the processing or processing order described above, the processing or processing order does not cause a contradiction in the processing or processing order such as using data that should not be available in the processing in a certain processing. Can be changed freely.

With respect to each of the embodiments described above, a part or all of each embodiment may be combined and realized as one embodiment.

Each of the examples described above is an example for explaining the present invention, and the present invention is not limited to these examples. The present invention can be carried out in various forms as long as it does not deviate from the gist thereof.

The "server device" in the description of the claims corresponds to the payment medium issuing server or the server 110 described above.

100: System 105: User terminal 110: Payment medium issuing server 205: Input device 210: Output device 215: Processor 220: Storage device 225: Communication device 250: Bus 305: Processor 310: Storage device 315: Communication device 350: Bus

Claims (19)

It's a system
One or more user terminals that send a request to start using the payment medium, and
In order to present information on the means for presenting information on the payment medium by the first communication means and information on the payment medium in response to the decision to issue the payment medium based on the request. A server device that transmits information necessary for the above to one or more user terminals by a second communication means, and
System with. The system according to claim 1, wherein the first communication means is different from the second communication means. When the server device detects that the information from the first communication means and / or the second communication means cannot be transmitted to the one or more user terminals, the first communication means is used. The system according to claim 1 or 2, which invalidates the means for presenting information about the payment medium indicated by the transmitted message. One or more user terminals
Send a request to start using the payment medium,
In response to the decision in the server device to issue the payment medium based on the request, the server device provides information on the means for presenting the information on the payment medium by the first communication means and. It is configured to receive the information necessary for presenting the information about the payment medium by the second communication means.
One or more user terminals. The fourth aspect of claim 4, wherein the one or more user terminals are further configured to display information about the payment medium using information necessary for presenting the information about the payment medium. One or more user terminals. It ’s a server device,
Receive a request to start using the payment medium from one or more user terminals,
In order to present information on the means for presenting information on the payment medium by the first communication means and information on the payment medium in response to the decision to issue the payment medium based on the request. Is configured to transmit the information necessary for the above to the one or more user terminals by the second communication means.
Server device. The way
A step in which one or more user terminals send a request to start using a payment medium, and
In response to the server device deciding to issue the payment medium based on the request, the information regarding the means for presenting the information regarding the payment medium is provided by the first communication means and the information regarding the payment medium. The step of transmitting the information necessary for presenting to the one or more user terminals by the second communication means, and
How to include. It is a method to be executed on one or more user terminals.
The step of sending a request to start using the payment medium, and
In response to the decision in the server device to issue the payment medium based on the request, the server device provides information on the means for presenting the information on the payment medium by the first communication means and. The information necessary for presenting the information regarding the payment medium is received by the second communication means, and the step
How to include. The method of claim 8, further comprising the step of displaying the information about the payment medium using the information necessary to present the information about the payment medium. It is a method to be executed in the server device.
A step of receiving a request to start using a payment medium from one or more user terminals, and
In order to present information on the means for presenting information on the payment medium by the first communication means and information on the payment medium in response to the decision to issue the payment medium based on the request. The step of transmitting the information necessary for the above to the one or more user terminals by the second communication means, and
How to include. It's a system
One or more user terminals that send payment information,
According to the identification of the user based on the payment information, the information regarding the means for presenting the user identification information is provided by the first communication means, and the information necessary for presenting the user identification information is provided. A server device that transmits to the one or more user terminals by the second communication means, and
System with. One or more user terminals
Send payment information,
When a user is identified based on the payment information in the server device, information about a means for presenting the user identification information from the server device is transmitted by the first communication means and the user identification information. The information required to present the server is configured to be received by a second means of communication.
One or more user terminals. The one according to claim 12, wherein the one or more user terminals are further configured to display the payment medium by using the information necessary for presenting the user identification information. Or two or more user terminals. It ’s a server device,
Receive payment information from one or more user terminals,
According to the identification of the user based on the payment information, the information regarding the means for presenting the user identification information is provided by the first communication means, and the information necessary for presenting the user identification information is provided. It is configured to transmit to the one or more user terminals by the second communication means.
Server device. The way
Steps for one or more user terminals to send payment information,
In order to present the information regarding the means for presenting the user identification information by the first communication means and in order to present the user identification information in response to the server device identifying the user based on the payment information. The step of transmitting necessary information to the one or more user terminals by the second communication means, and
How to include. It is a method to be executed on one or more user terminals.
Steps to send payment information and
When a user is identified based on the payment information in the server device, information about a means for presenting the user identification information from the server device is transmitted by the first communication means and the user identification information. The step of receiving the information necessary for presenting the server by the second communication means, and
How to include. 16. The method of claim 16, further comprising the step of displaying the user identification information using the information necessary to present the user identification information. It is a method to be executed in the server device.
Steps to receive payment information from one or more user terminals,
According to the identification of the user based on the payment information, the information regarding the means for presenting the user identification information is provided by the first communication means, and the information necessary for presenting the user identification information is provided. The step of transmitting to the one or more user terminals by the second communication means, and
How to include. A computer program for realizing the method according to claims 7 to 10 and 15 to 18.

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