JP2020197977A - Information management system, information management method, and computer program - Google Patents

Abstract

To reduce the user's labor required for registering customer information on a settlement medium.SOLUTION: An information management system includes: a storage part which is a settlement medium used for payment and storing medium information on a first settlement medium already issued to a user; and a control part which, when an application for a second settlement medium, which is a new payment medium, is performed in association with the first settlement medium, instructs a token management device, which stores a token associated with the first settlement medium, so as to store the settlement medium obtained in new association between the token and the second settlement medium in place of the first settlement medium.SELECTED DRAWING: Figure 1

Description

The present invention relates to a technique for registering customer information of a payment medium.

In recent years, cashless payments have become widespread, and the number of applicants for payment media used for cashless payments is increasing. Therefore, a technique related to processing at the time of application for a payment medium has also been proposed. For example, Patent Document 1 discloses a technique for easily providing a payment card that can replace a conventional credit card.

Japanese Unexamined Patent Publication No. 2011-192293

When applying for a payment medium, a large amount of information is required as customer information. Therefore, it is a burden for the user to input all the required customer information. In particular, for a user who has once registered customer information of a payment medium, it is a heavy burden to input all of the customer information again when registering a new payment medium. In addition, after the customer information is registered, it may be necessary to switch from a payment medium used in the past to a new payment medium.

In view of the above circumstances, an object of the present invention is to provide a technique capable of reducing the labor of the user required for applying for a payment medium.

One aspect of the present invention is a storage unit that is a payment medium used for payment and stores medium information of the first payment medium that has already been issued to the user, and a new payment in association with the first payment medium. When an application for a second payment medium, which is a medium, is made, the second payment is made in place of the first payment medium to the token management device that stores the token associated with the first payment medium. It is an information management system including a control unit for instructing the medium and the token to be newly associated and stored.

One aspect of the present invention is a storage unit that stores first attribute information and second attribute information that are attribute information about a user of a payment medium used for payment, and the first attribute information in an application for a new payment medium. Sends the data of the normal registration screen, which is a screen requesting the registration of the first attribute information and the second attribute information, to the user who is not registered in the storage unit, and the first attribute information is the said. It is an information management system including a control unit for transmitting data of a simple registration screen, which is a screen for requesting registration of the second attribute information, to a user who has already been registered in the storage unit.

One aspect of the present invention is the information management system, wherein the control unit refers to a token management device that stores tokens associated with a payment medium already issued for the user. Instruct the new payment medium to associate the newly issued payment medium with the token.

In one aspect of the present invention, an information management system including a storage unit for storing medium information of a first payment medium that is a payment medium used for payment and has already been issued to a user is the first payment medium. When an application for a second payment medium, which is a new payment medium, is made in connection with the above, the token management device that stores the token associated with the first payment medium is sent to the first payment medium. Instead, it is an information management method in which the second payment medium and the token are instructed to be newly associated and stored.

One aspect of the present invention is an information management system including a storage unit that stores first attribute information and second attribute information, which are attribute information about a user of a payment medium used for payment, in an application for a new payment medium. , The data of the normal registration screen, which is a screen requesting the registration of the first attribute information and the second attribute information, is transmitted to the user whose first attribute information is not registered in the storage unit. This is an information management method for transmitting data on a simple registration screen, which is a screen for requesting registration of the second attribute information, to a user whose first attribute information is already registered in the storage unit.

One aspect of the present invention is a computer program for operating a computer as the above-mentioned information management system.

According to the present invention, it is possible to reduce the labor of the user required to apply for the payment medium.

It is a schematic block diagram which shows the system configuration of the payment system 100. It is a schematic block diagram which shows the outline of the functional structure of a user terminal 10. It is a schematic block diagram which shows the outline of the functional structure of the information management server 30. It is a figure which shows one of the specific examples of a customer information table. It is a schematic block diagram which shows the outline of the functional structure of the token management server 40. It is a figure which shows one of the specific examples of a token table. It is a sequence chart which shows the specific example of the processing flow at the time of registering the customer information of a new payment medium using a user terminal 10. It is a sequence chart which shows the specific example of the flow of processing after the post-stage processing is completed.

Hereinafter, a specific configuration example of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic block diagram showing a system configuration of the payment system 100. The payment system 100 includes a user terminal 10, a store terminal 20, an information management server 30, a token management server 40, and a cooperation server 50. In the payment system 100, payment using one or a plurality of types of payment protocols is realized. In the payment system 100, payment is performed using a payment medium issued to the user in advance by the user's application. For example, when a postpaid payment medium is used, payment processing using the payment medium is first performed, and then payment is performed according to the payment medium. At the time of payment, a physical medium carried by the user (hereinafter referred to as "user medium") is used. Further, at the time of payment or payment, information issued in association with the payment medium (hereinafter referred to as "medium information") is used. For example, when the payment medium is a credit card, the medium information is a real card number (for example, Funding Primary Account Number: FPAN), and a card medium such as a plastic card on which the real card number of the credit card is recorded is used as a user medium. An information device such as a smartphone on which a token corresponding to the actual card number is recorded may be used. As a specific example of the payment protocol, payment may be performed using, for example, a credit card as a card medium. In this case, the payment medium is a credit card, and the actual card number (specific example of medium information) recorded on the card medium (specific example of the user medium) of the credit card owned by the user is read by the store terminal 20 and the information is read. The processing related to payment is executed in cooperation with the management server 30. After that, the information management server 30 executes the processing related to the payment.

As a specific example of the payment protocol, credit card payment using tokens may be performed. In this case, the token recorded in the user terminal 10 (specific example of the user medium) owned by the user is read by the store terminal 20. The token read by the store terminal 20 is converted into medium information (for example, a real card number) registered according to the token in the token management server 40. The medium information (real card number) is transmitted to the information management server 30, and the processing related to payment is executed. After that, the information management server 30 executes the processing related to the payment.

Although two specific examples have been given above, the payment protocol implemented in the payment system 100 does not have to be limited to the above. For example, a payment protocol using electronic value may be used, or a debit card payment protocol may be used. The user terminal 10 is a specific example of a user medium which is a medium used when a user makes a payment based on a payment protocol. In the following description, as a specific example of the payment system 100, a payment system 100 in which a payment protocol for payment using a credit card medium and a payment protocol for payment using tokens are implemented will be described.

The user terminal 10, the store terminal 20, the information management server 30, the token management server 40, and the cooperation server 50 can all communicate with each other via the network 60. The network 60 is a wide area communication network such as the Internet. The network 60 may be a network using wireless communication or a network using wired communication. The network 60 may be configured by combining a plurality of networks. The network 60 is only a specific example of a network for realizing communication of each device, and another configuration may be adopted as a network for realizing communication of each device. For example, communication between specific devices may be realized using a network different from the network used for communication between other devices. Specifically, the communication between the store terminal 20 and the information management server 30 and the communication between the information management server 30 and the token management server 40 are realized by a network different from the communication between other devices. May be good.

FIG. 2 is a schematic block diagram showing an outline of the functional configuration of the user terminal 10. The user terminal 10 is configured by using a portable information processing device such as a smartphone, a tablet terminal, a mobile phone, a smart watch, or a portable game machine. The user terminal 10 is equipped with a function for realizing a payment protocol that can be used in the payment system 100. The function of the payment protocol may be implemented in the user terminal 10 by hardware, or may be implemented by installing software. The user terminal 10 includes a first communication unit 11, a second communication unit 12, an input unit 13, a display unit 14, an identification information storage unit 15, a token storage unit 16, and a control unit 17.

The first communication unit 11 is a communication device such as a network interface. The first communication unit 11 is communicably connected to the network 60 by a predetermined protocol. The first communication unit 11 may be configured by using a device that communicates with the base station device by, for example, a mobile communication protocol. The first communication unit 11 may be configured by using a device that communicates with a wireless LAN (Local Area Network) technology such as WiFi (registered trademark). The first communication unit 11 communicates data with another device via the network 60 under the control of the control unit 17.

The second communication unit 12 is a communication device that performs short-range wireless communication. The second communication unit 12 communicates with the store terminal 20 by a predetermined protocol. The second communication unit 12 may communicate using a technology such as Near Field Communication (NFC) or RFID. The second communication unit 12 may communicate using, for example, an infrared communication technique. Any short-range wireless communication technology may be applied to the second communication unit 12 as long as it can communicate with the store terminal 20.

The input unit 13 is configured by using existing input devices such as a keyboard, a pointing device (mouse, tablet, etc.), buttons, and a touch panel. The input unit 13 is operated by the user when inputting the user's instruction to the user terminal 10. The input unit 13 may be an interface for connecting the input device to the user terminal 10. In this case, the input unit 13 inputs the input signal generated in response to the user's input in the input device to the user terminal 10.

The display unit 14 is an image display device such as a liquid crystal display, an organic EL (Electro Luminescence) display, or an electroluminescence display. The display unit 14 displays an image under the control of the control unit 17. The display unit 14 may be an interface for connecting the image display device to the user terminal 10. In this case, the display unit 14 generates a video signal for displaying an image under the control of the control unit 17, and outputs the video signal to an image display device connected to the display unit 14.

The identification information storage unit 15 is configured by using a storage device such as a magnetic hard disk device or a semiconductor storage device. The identification information storage unit 15 stores identification information (hereinafter referred to as “terminal identification information”) used in the user terminal 10. The terminal identification information may be an identification number used by an application installed to make a payment using a payment medium on the user terminal 10.

The token storage unit 16 is configured by using a storage device such as a magnetic hard disk device or a semiconductor storage device. The token storage unit 16 stores tokens. The token is data used in payment using the user terminal 10. The token is data different from the medium information (for example, real card number (FPAN)) used in the payment and payment processing by the information management server 30. The token may be, for example, a value issued by the token management server 40 in association with FPAN. In this case, the token may be a Digitized Primary Account Number (DPAN).

The control unit 17 is configured by using a processor such as a Central Processing Unit (CPU) and a memory. The control unit 17 functions as a payment control unit 171 and an application control unit 172 when the processor executes a specific program.

The payment control unit 171 performs processing related to payment with the store terminal 20. When the payment control unit 171 communicates with the store terminal 20 via, for example, the second communication unit 12 and receives a token request using a predetermined communication protocol, the payment control unit 171 reads out the token stored in the token storage unit 16 of the own device. It is transmitted to the store terminal 20. When the payment control unit 171 subsequently receives the payment completion notification from the store terminal 20, the payment control unit 171 displays an image indicating that the payment has been completed on the display unit 14. Such a process of the payment control unit 171 is only a specific example, and any process may be implemented as long as it is a process for making a payment using a payment medium.

The application control unit 172 executes a process for applying for a new payment medium. The new payment medium is a payment medium that cannot be used by the user before the application is processed, and is a payment medium that can be used by the user after the application is processed. .. For example, the application control unit 172 displays a screen for inputting the information requested from the information management server 30 on the display unit 14, and transmits the data input by the user via the input unit 13 to the information management server 30. ..

The store terminal 20 is configured by using an information processing device such as a smartphone, a tablet terminal, or a dedicated terminal. The store terminal 20 is used by a store clerk or the customer himself. When the store terminal 20 acquires information related to the payment medium from the user medium such as the user terminal 10, the store terminal 20 performs payment processing using the acquired information related to the payment medium. For example, when the user medium is the user terminal 10, the store terminal 20 may acquire the token recorded in the user terminal 10 and perform the payment process. For example, when the user medium is a plastic card of a credit card, the store terminal 20 may read the actual card number recorded on the plastic card and perform payment processing.

FIG. 3 is a schematic block diagram showing an outline of the functional configuration of the information management server 30. The information management server 30 is configured by using an information processing device such as a server device or a mainframe. The information management server 30 includes a communication unit 31, a customer information storage unit 32, a payment information storage unit 33, and a control unit 34.

The communication unit 31 is a communication device such as a network interface. The communication unit 31 is communicably connected to the network 60 by a predetermined protocol. The communication unit 31 communicates data with another device via the network 60 under the control of the control unit 34.

The customer information storage unit 32 is configured by using a storage device such as a magnetic hard disk device or a semiconductor storage device. The customer information storage unit 32 stores the customer information table. FIG. 4 is a diagram showing one of the specific examples of the customer information table. The customer information table has a plurality of customer information records. The customer information record has each value of customer identification information, image number, first attribute information, second attribute information, and medium information. The customer identification information is the identification information of the customer who is the user of the payment medium. The image number is a specific example of the medium identification information. The image number may be, for example, a 20-digit number.

The first attribute information is information regarding the attributes of the customer. The first-class attribute information is information registered by applying for a payment medium that can be used with relatively little customer information among a plurality of types of payment media. For example, the information registered by the customer when enabling the payment medium whose usage limit is set to be relatively low may be the first attribute information. The first attribute information may include nine items such as, for example, the customer's name, address, gender, age, and information about the financial institution used for settlement.

The second attribute information is information regarding the attributes of the customer. The first attribute information and the second attribute information are information related to different items. However, some of them may be duplicated. The second attribute information is a part of the information registered in the application for the payment medium that requires a relatively large amount of customer information among the plurality of types of payment media. For example, the information registered by the customer when enabling the payment medium whose usage limit is set relatively high is the first attribute information and the second attribute information. That is, when both the first attribute information and the second attribute information are prepared, the above-mentioned payment medium application is made. The second attribute information may include 26 items such as the customer's annual income and the presence or absence of a mortgage.

The medium information is the identification information of the payment medium. The medium information may be, for example, a multi-digit number. For example, when the payment medium is a credit card, the real card number (FPAN) corresponds to the medium information.

The explanation will be continued by returning to FIG. The payment information storage unit 33 is configured by using a storage device such as a magnetic hard disk device or a semiconductor storage device. The payment information storage unit 33 stores information regarding payment using the payment medium. The payment information storage unit 33 includes, for example, the date and time when the payment was made, information on the store where the payment was made, the product to be paid, and information on the payment medium used for the payment.

The control unit 34 is configured by using a processor such as a CPU and a memory. The control unit 34 functions as a payment control unit 341 and an application control unit 342 when the processor executes a specific program.

The payment control unit 341 performs processing related to payment using a payment medium. When the payment control unit 341 receives the token from the store terminal 20, it transmits the received token to the token management server 40 and requests the medium information. When the payment control unit 341 receives the media information in response to the request, the payment control unit 341 records the payment information in the store terminal 20 in the payment information storage unit 33 using the received media information. Then, the payment control unit 341 notifies the store terminal 20 that the payment has been completed.

The application control unit 342 processes the application for a new payment medium. When the application control unit 342 receives the first attribute information or the second attribute information from the information device such as the user terminal 10, the application control unit 342 registers the received information in the customer information storage unit 32. The application control unit 342 may provide an information device such as the user terminal 10 with an interface (for example, a screen provided with an input field) for inputting the first attribute information and the second attribute information.

FIG. 5 is a schematic block diagram showing an outline of the functional configuration of the token management server 40. The token management server 40 may be configured as a device corresponding to, for example, a token vault. The token management server 40 is configured by using an information processing device such as a server device or a mainframe. The token management server 40 includes a communication unit 41, a token storage unit 42, and a control unit 43.

The communication unit 41 is a communication device such as a network interface. The communication unit 41 is communicably connected to the network 60 by a predetermined protocol. The communication unit 41 communicates data with other devices via the network 60 under the control of the control unit 43.

The token storage unit 42 is configured by using a storage device such as a magnetic hard disk device or a semiconductor storage device. The token storage unit 42 stores the token table. FIG. 6 is a diagram showing one of specific examples of the token table. The token table has a plurality of token records. The token record has each value of the medium information and the token. The token record has the value of the token issued for each medium information. The medium information is, for example, FPAN, and the token is, for example, DPAN.

The explanation will be continued by returning to FIG. The control unit 43 is configured by using a processor such as a CPU and a memory. The control unit 43 functions as a token control unit 431 and a registration control unit 432 when the processor executes a specific program.

The token control unit 431 receives a request for medium information associated with a token from a specific device such as an information management server 30. The token control unit 431 reads the medium information associated with the token from the token storage unit 42. Then, the token control unit 431 transmits the medium information to the requesting device.

When the registration control unit 432 receives a request to change the medium information associated with the token when the information management server 30 performs a new medium information registration process, the registration control unit 432 receives a request for a token record in response to the request. Change the media information of.

Next, the cooperation server 50 will be described. The cooperation server 50 may be configured as a server that cooperates with an application installed on the user terminal 10, for example. The cooperation server 50 is configured by using an information processing device such as a server device or a mainframe.

The cooperation server 50 includes a processor, a memory, and an auxiliary storage device. The auxiliary storage device of the cooperation server 50 stores the terminal identification information stored in the user terminal 10 and the information for identifying the payment medium used in the user terminal 10 (hereinafter referred to as "medium identification information"). Store in association with each other. The medium identification information may be, for example, an image number issued when customer information is registered for a new payment medium. The image number is registered in the information management server 30 in association with the medium information of the payment medium. When the cooperation server 50 receives the terminal identification information from the user terminal 10, it reads out the medium identification information stored in association with the terminal identification information and transmits it to the user terminal 10.

FIG. 7 is a sequence chart showing a specific example of the processing flow when applying for a new payment medium using the user terminal 10. The user instructs the user terminal 10 to operate the input unit 13 of the user terminal 10 to apply for a new payment medium. The user terminal 10 transmits the terminal identification information to the cooperation server 50 in response to the user's input, and inquires about the image number (step S101). When the cooperation server 50 receives the inquiry of the image number, the cooperation server 50 reads out the medium identification information stored in association with the terminal identification information. Then, the cooperation server 50 transmits the read medium identification information (for example, an image number) to the user terminal 10 as a response (step S102).

When the user terminal 10 acquires the media identification number from the cooperation server 50, the user terminal 10 generates application request information including the acquired media identification number. Then, the user terminal 10 transmits the application request information to the information management server 30 (step S103). In the following description, an example of processing in which the image number is used as the medium identification number will be described.

When the application control unit 342 of the information management server 30 receives the application request information from the user terminal 10, the application control unit 342 reads out the image number from the received application request information. The application control unit 342 searches the customer information table for the first attribute information associated with the read image number (step S104).

When the corresponding first attribute information is not searched (step S105-NO), the application control unit 342 transmits the data of the normal registration screen to the user terminal 10 (step S106). The normal registration screen is a screen that requests the user for the first attribute information and the second attribute information. The normal registration screen may be provided with input fields for inputting, for example, the first attribute information and the second attribute information, respectively. After the normal registration screen is transmitted to the user terminal 10, the process for applying for the payment medium is performed as in the conventional case.

When the corresponding first attribute information is searched (step S105-YES), the application control unit 342 reads and acquires the searched first attribute information (step S107). Then, the application control unit 342 generates the data of the simple registration screen and transmits the data of the simple registration screen to the user terminal 10 (step S108). The simple registration screen is a screen that requests the user for the second attribute information. The simple registration screen is provided with an input field for inputting, for example, the first attribute information and the second attribute information, but the input field for the first attribute information is the first attribute read in step S107. The value of the information may have already been entered. The values of these first attribute information may be set to be changeable.

When the application control unit 172 of the user terminal 10 receives the data of the simple registration screen, the received simple registration screen is displayed on the display unit 14 (step S109). The application control unit 172 accepts a change in the first attribute information and a new input of the second attribute information (step S110). The application control unit 172 transmits the information (first attribute information and second attribute information) entered in each input field on the simple registration screen to the information management server 30 (step S111). At this time, in the present embodiment, if the first attribute information has not been changed by the user, the first attribute information read in step S107 is transmitted to the information management device 30 as it is.

The application control unit 342 of the information management server 30 newly generates a customer information record, and newly registers the customer identification information, the image number (media identification number), and the medium information. The application control unit 342 registers the first attribute information and the second attribute information transmitted from the user terminal 10 in the newly generated customer information record described above (steps S112 and S113). At this time, the application control unit 342 may also register information indicating whether the registration is simple registration or normal registration in association with the customer information record. The simple registration is a registration performed without requesting the user to newly input the first attribute information, and indicates, for example, a registration performed using the simple registration screen. The normal registration is a registration performed by requesting the user to newly input the first attribute information and the second attribute information, and indicates, for example, a registration performed using the normal registration screen. Then, the application control unit 342 executes the post-stage processing (step S114). The latter stage processing is, for example, processing such as foreign credit inquiry and credit determination.

FIG. 8 is a sequence chart showing a specific example of the flow of processing after the post-stage processing is completed. In the latter stage processing, when the examination for issuing a new payment medium to the user is successfully completed, the application control unit 342 of the information management server 30 acquires the examination completion notification (step S201). The examination completion notification is a notification indicating that the above examination has been completed successfully. The examination completion notification may be sent from another information processing device to the information management server 30, may be input to the information management server 30 by the operation of the input device by the administrator of the information management server 30, or the like. May be notified in the manner of. When the application control unit 342 obtains the examination completion notification, it determines whether or not the notified examination is a simple registration (step S202). For example, it may be determined whether or not the registration is simple based on the identification information included in the examination completion notification. As a specific example of such identification information, for example, customer identification information, image number, medium information, or the like may be used.

In the case of normal registration (step S202-NO), the application control unit 342 executes the normal cooperation process (step S203). The normal cooperation process is a process of linking in payment or the like by transmitting the medium information of the newly issued payment medium to another device as needed. For example, the process of requesting the token management server 40 to generate a new token record may be a normal cooperative process.

In the case of simple registration (step S202-YES), the application control unit 342 reads the medium information from the customer information record used when the first attribute information was read in the process of step S107. The medium information read here is referred to as "old medium information" in the following description. The application control unit 342 also acquires the medium information of the new payment medium for which the examination has been completed. This medium information is referred to as "new media information" in the following description. The application control unit 342 generates a media information update notification including the old media information and the new media information. The application control unit 342 transmits the generated media information update notification to the token management server 40 (step S204).

When the registration control unit 432 of the token management server 40 receives the media information update notification, it searches for the token record including the old media information included in the received media information update notification. The registration control unit 432 changes the medium information included in the searched token record to new media information (step S205).

In the payment system 100 configured in this way, a user whose first attribute information has already been registered can complete the application work with less information input work than usual when applying for a new payment medium. .. Specifically, a new payment medium can be applied for by inputting the second attribute information without newly inputting the first attribute information. Therefore, it is possible to reduce the labor of the user required to apply for the payment medium.

Further, in the payment system 100, when the token is already registered and used in association with the old medium information, the old medium information associated with the token is updated with the new medium information. As a result, the user can continue to use the token associated with the old media information without changing the token. Therefore, it is possible to improve the convenience of the user who has received the issuance of a new payment medium.

(Modification example)
The simple registration screen may be a screen provided with an input field for inputting the second attribute information and not provided with an input field for the first attribute information. The simple registration screen may be a screen in which an input field for inputting the second attribute information is provided, and the first attribute information is displayed as a fixed value (a value that cannot be changed) in a field similar to the input field. ..

The user terminal 10 as the user medium used for payment and the user terminal 10 used for applying for the payment medium may be different devices. On the other hand, the user terminal 10 as the user medium used for payment and the user terminal 10 used for applying for the payment medium may be the same device.

The user terminal 10 used for applying for a payment medium may not be the property of the individual user who intends to apply, but may be a shared terminal device shared by a plurality of people for the application. For example, the user terminal 10 used for application may be a terminal device for application prepared by a non-user such as the organizer of the campaign when the application campaign is being carried out at a store or the like. In this case, when generating the application request information, information necessary by means such as short-range wireless communication from the user terminal 10 possessed by the user as the applicant (for example, medium information already used by the user or medium). Identification information, terminal identification information, etc.) may be transmitted to the terminal device for application. Further, the necessary information described above may be encoded into an image such as a two-dimensional bar code and passed from the user terminal 10 to the application terminal device via the imaging device.

The processing equivalent to the application processing shown in FIG. 7 may be executed not by the application using the information processing device such as the user terminal 10 or the information management server 30, but by the application using the paper medium. Even in this case, the information management server 30 may be configured to execute the processes after step S202 after the examination management notification is acquired (after step S201). Further, when the user desires the token linkage processing, the information management server 30 may acquire the old media information and the new media information by operating the information processing device such as the user terminal 10. In this case, the information management server 30 may execute the process corresponding to step S204 by using the acquired old media information and new media information.

The registration process for old media information may be performed at a financial institution such as a bank. In this case, if the user who intends to perform the registration process already has an account at the financial institution, the attribute information already registered at the financial institution is used in association with the account, which is one of the user registration processes. Parts may be simplified or omitted.

The information management server 30 may be implemented as an information management system using a plurality of information processing devices. For example, the control unit 34 that functions as the payment control unit 341 and the control unit 34 that functions as the application control unit 342 may be mounted on different information processing devices. Further, the customer information storage unit 32 and the payment information storage unit 33 may be mounted on the same storage device or different storage devices, respectively.

The information management server 30 and the token management server 40 may be mounted on the same device. Further, a part of the information management server 30 and a part of the token management server 40 may be mounted on the same device, or a part of the information management server 30 and a part of the token management server 40 may be mounted on the same device. However, a part of the information management server 30 and a part of the token management server 40 may be mounted on the same device.

As the user medium used for payment, a recording medium on which tokens are recorded may be used instead of the user terminal 10. For example, a card-type recording medium may be used as a user medium instead of the user terminal 10. In this case, the store terminal 20 needs to be provided with a reading device for reading the token from the card-type recording medium. Similarly, an instrument equipped with a recording medium such as an IC chip may be used as a user medium. Specific examples of such appliances include accessories such as wristwatches and rings, mobile phone cases, and the like. In this case, the store terminal 20 needs to be provided with a reading device for reading the token from the recording medium provided in the instrument.

The payment system 100 may be applied not only to payments at physical stores but also to payments via mail order (for example, TV shopping, online shopping, etc.).
The identification information storage unit 15 of the user terminal 10 may store the medium identification information instead of the terminal identification information. In this case, the processes after step S103 may be executed without communication between the user terminal 10 and the cooperation server 50 (without the processes of steps S101 and S102).

Although the embodiments of the present invention have been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and includes designs and the like within a range that does not deviate from the gist of the present invention.

100 ... Payment system, 10 ... User terminal, 11 ... First communication unit, 12 ... Second communication unit, 13 ... Input unit, 14 ... Display unit, 15 ... Identification information storage unit, 16 ... Token storage unit, 17 ... Control Department, 171 ... Payment control unit, 172 ... Application control unit, 20 ... Store terminal, 30 ... Information management server (information management system), 31 ... Communication department, 32 ... Customer information storage unit, 33 ... Payment information storage unit, 34 ... control unit, 341 ... payment control unit, 342 ... application control unit, 40 ... token management server, 41 ... communication unit, 42 ... token storage unit, 43 ... control unit, 431 ... token control unit, 432 ... registration control unit, 50 ... Linked server, 60 networks

Claims (6)

A storage unit that stores the medium information of the first payment medium that is the payment medium used for payment and has already been issued to the user.
When an application for a second payment medium, which is a new payment medium, is made in association with the first payment medium, the token management device that stores the token associated with the first payment medium is described as described above. A control unit that instructs the second payment medium and the token to be newly associated and stored instead of the first payment medium.
Information management system equipped with. A storage unit that stores the first attribute information and the second attribute information, which are attribute information about the user of the payment medium used for payment.
A normal registration screen, which is a screen for requesting registration of the first attribute information and the second attribute information for a user whose first attribute information is not registered in the storage unit when applying for a new payment medium. Data is transmitted, and the control unit that transmits the data of the simple registration screen, which is a screen requesting the registration of the second attribute information, to the user whose first attribute information is already registered in the storage unit. When,
Information management system equipped with. The control unit requests the token management device that stores the token associated with the payment medium already issued for the user with the payment medium newly issued for the new payment medium and the payment medium. The information management system according to claim 2, wherein the token is instructed to be associated with the token. An information management system equipped with a storage unit that stores the medium information of the first payment medium that is the payment medium used for payment and has already been issued to the user.
When an application for a second payment medium, which is a new payment medium, is made in association with the first payment medium, the token management device that stores the token associated with the first payment medium is described as described above. An information management method for instructing the second payment medium and the token to be newly associated and stored instead of the first payment medium. An information management system equipped with a storage unit that stores the first attribute information and the second attribute information, which are attribute information about the user of the payment medium used for payment,
When applying for a new payment medium, a normal registration screen, which is a screen for requesting registration of the first attribute information and the second attribute information for a user whose first attribute information is not registered in the storage unit. Information that transmits the data of the simple registration screen, which is a screen for requesting the registration of the second attribute information, to the user whose first attribute information is already registered in the storage unit. Management method. A computer program for operating a computer as the information management system according to any one of claims 1 to 3.

Images