JP2023117950A - Information processing device, information processing method, and program - Google Patents

Abstract

To increase the convenience for a user of a service.SOLUTION: An information processing device provides a store-side interface in an electronic settlement service that processes settlement related to purchase in a real store. The information processing device includes a storage unit, a reception unit, and a control unit. The storage unit stores in association with one another: a business operator account of a business operator that manages one or more real stores which use the electronic settlement service; real store accounts of the one or more real stores; and setting of an information access right that is provided in response to a login to the real store account. The reception unit receives, from a terminal device used by a store-side user, the setting of an information access right that is provided in response to a login to the real store account, and causes the storage unit to store it. The control unit permits or prohibits, in response to a login to the real store account, access to specific information that can be accessed in logging in to the business operator account, based on the setting stored in storage unit.SELECTED DRAWING: Figure 1

Description

Application for application of Article 30, Paragraph 2 of the Patent Act has been filed [1] Date of publication on the website January 13, 2022 URL of the website https://dashboard. paypay. ne. jp/app/#/login/ <Document> Release note printout

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

2. Description of the Related Art Conventionally, there has been known a technique of linking and managing user IDs of users registered in a service and information access rights granted to the user IDs. For example, in Patent Document 1, an authentication server, based on a user ID, location information of a client terminal linked to the user ID, and a security level determined based on the location information, provides services from an account management table. Disclosed is a technique for determining a login account for .

JP 2016-066186 A

The technology described in Patent Document 1 sets a login account for a service based on information stored in an account management table. However, in the conventional technology, when the same user uses multiple accounts with different information access rights, it is required to repeatedly log in/out between the multiple accounts in order to view specific information. In some cases, the convenience for the user is low.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and one of the objects thereof is to provide an information processing apparatus, an information processing method, and a program that can improve convenience for service users. do.

One aspect of the present invention is an information processing device that provides a store-side interface in an electronic payment service that processes payments related to purchases at physical stores, and manages one or more physical stores that use the electronic payment service. a storage unit that associates and stores a brand account of a brand, a physical store account of the one or more physical stores, and a setting of information access rights provided in response to login to the physical store account, and the physical store; a reception unit that receives from a terminal device used by a store-side user a setting of information access rights provided in response to login to an account and stores the setting in the storage unit; a control unit that permits or prohibits access to specific information accessible when logging into the brand account based on the settings stored in the unit.

According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve convenience for users of services.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 2 is a configuration diagram of a settlement server 100; FIG. 4 is a diagram showing an example of the contents of information access right information 162. FIG. FIG. 10 is a diagram showing an example of a store-side interface displayed on the store terminal device 50 when logging into the business account; FIG. 10 is a diagram showing another example of a store-side interface displayed on the store terminal device 50 when logging into the business account; FIG. 10 is a diagram showing another example of a store-side interface displayed on the store terminal device 50 when logging into the business account; 4 is a diagram showing an example of a store-side interface displayed on the store terminal device 50 when logging into the store account; FIG. It is a figure which shows an example of the setting method of the information access right in a shop side interface. FIG. 10 is a diagram showing an example of a shop-side interface displayed on the shop terminal device 50 when logging in to the shop account after setting the information access right; FIG. 10 is a diagram showing an example of electronic payment executed by the store terminal device 50 when there is one store account; FIG. 4 is a diagram showing an example of electronic payment executed by the store terminal device 50 when there are multiple store accounts.

Hereinafter, an information processing apparatus, an information processing method, and a program according to the present invention will be described with reference to the drawings. An information processing device is realized by one or more processors. The information processing device provides business operators (brands) registered with services such as electronic payment services with the ability to refer to and edit information such as sales, deposits, and settings for electronic payment services at physical stores operated by the business operators. It is a device that provides a store side interface. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. A store is, for example, a physical store (actual store) that exists in real space. In the following explanation, for the sake of convenience, the information processing device also has a function of providing an electronic payment service, and is referred to as a "payment server". It may be separate from the provided device.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with each of one or more user terminal devices 10 and one or more shop terminal devices 50 via the network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, a display function, and a communication function. The store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store.

The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, depositing and withdrawing electronic money). Electronic payment may include those that enable purchase of a larger amount than the charge balance at the time of purchase by methods such as revolving payment and credit payment.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the shop terminal device 50 logged in to the shop account registered in the electronic payment service. The shop terminal device 50 decodes the code image with an optical reading function and acquires information such as an account ID. The shop terminal device 50 then generates payment information including the account ID, the payment amount, the shop ID associated with the logged-in shop account, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the business operator's electronic payment account to complete the payment processing.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the settlement amount into the user terminal device 10 on the screen on which the store name and the like are displayed. Then, the user terminal device 10 generates payment information including the account ID, payment amount, store ID, etc., and transmits the payment information to the payment server 100 . The payment server 100 performs payment processing based on the received information. It should be noted that electronic payment may be performed only in one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information.

[Settlement server]
FIG. 3 is a configuration diagram of the settlement server 100. As shown in FIG. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, a setting reception unit 140, a control unit 150, and a storage unit 160. Components other than communication unit 110 and storage unit 160 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 160 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 160 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 160 stores information such as information access right information 162 and payment content information 164 .

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 164 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 . The content based on the payment content information 164 includes content provided in a logged-in state and content provided in a non-logged-in state. In the content in the non-login state, the settlement server 100 provides various guidance information and accepts new registration and change of telephone number.

The payment processing unit 130 performs payment processing based on the payment information transmitted from the shop terminal device 50 . More specifically, the payment processing unit 130 causes the shop terminal device 50 to process payment using the electronic payment service while the shop terminal device 50 installed in the shop is logged into the shop account, and the shop terminal device 50 Based on the payment information transmitted by the user, the payment amount is transferred from the user's electronic payment account to the business operator's electronic payment account to complete the payment processing. Payment amounts transferred to the merchant's electronic payment account are transferred to the merchant's bank account periodically or at the merchant's request.

The setting reception unit 140 receives from the store terminal device 50 (more generally, a terminal device used by a business operator) the setting of the information access right to be provided in response to the login to the store account on the store side interface, and receives the information The access right information 162 is stored in the storage unit 160 .

FIG. 4 is a diagram showing an example of the contents of the information access right information 162. As shown in FIG. The information access right information 162 is, for example, a combination of a business operator ID and a store ID associated with information such as an information access right. The business ID is identification information for uniquely identifying the business that registers with the electronic payment service. The store ID is identification information for uniquely identifying each store operated by the business indicated by the business ID. Information access rights are access rights (reference rights, editing rights, etc.) to information related to businesses and stores when the store account of the store specified by the combination of the business ID and the store ID logs in to the store side interface. This is information that defines details. In FIG. 4, a record with a store ID set to "-" represents a business account (master account) to which access rights to all information related to the business and store are granted.

Information access rights include, for example, the right to view and edit the store profile displayed on the store side interface, the right to view and edit the business profile, the right to refer to the deposit information to the bank account of the business, and the transaction at each store. Including the right to view information, the right to view and edit business bank account settings, etc. More generally, information access rights may include viewing and editing rights to any information relating to electronic payment services.

The control unit 150 executes various processes necessary to provide the store terminal device 50 with a store-side interface. For example, the control unit 150 refers to the information access right information 162 stored in the storage unit 160 in response to the login to the store account on the store side interface, and accesses the information access right information corresponding to the logged-in store account. 162 settings to provide the store account with information accessible on the store-side interface.

[Store side interface]
FIG. 5 is a diagram showing an example of a shop-side interface displayed on the shop terminal device 50 when logging into the business account. In other words, when the user of the shop terminal device 50 logs in, it indicates that he or she is in the business account hierarchy. FIG. 5 shows, as an example, a case where the store terminal device 50 is composed of a desktop computer and a QR code reader connected to the desktop computer. In FIG. 5, area A1 represents the type of business and account that logged into the store-side interface. By clicking the arrow shown in the lower right part of the area A1, a list of accounts that can be logged in (enterprise accounts and store accounts of multiple stores) is displayed. The user of the store terminal device 50 can switch the login account (in other words, hierarchy) by clicking one of the displayed accounts. When switching the login account, you may be prompted to enter the password associated with the account to which you are switching.

Area A2 represents a menu screen showing items of information provided by the store-side interface. The menu screen includes, for example, items such as deposit, transaction, bank account setting, company profile, shop profile, sub-user setting. When the user of the store terminal device 50 clicks an item displayed on the menu screen, information corresponding to the item is displayed in the area A3. FIG. 5 shows, as an example, a case in which payment information is displayed based on the total amount of payments made at physical stores managed by the business operator. In this embodiment, in the default setting, the right to refer to deposit information is granted only to business accounts.

FIG. 6 is a diagram showing another example of the store-side interface displayed on the store terminal device 50 when logging into the business account. FIG. 6 shows a scene in which the user of the store terminal device 50 clicks on the bank account setting item displayed on the menu screen, and information on bank account setting is displayed. As shown in FIG. 6, the information regarding bank account setting includes items such as bank name, branch name, account type, account number, and account holder. If the bank account setting reference right is granted, the logged-in user is permitted to browse the information of the items shown in the area A3. When the right to edit bank account settings is granted, the logged-in user is permitted to edit the information of the items shown in area A3. In this embodiment, in the default setting, the right to view and edit bank account settings is granted only to the business account.

FIG. 7 is a diagram showing another example of the store-side interface displayed on the store terminal device 50 when logging into the business account. FIG. 7 shows a scene in which the user of the store terminal device 50 clicks on the item of the business profile displayed on the menu screen, and information on the business profile is displayed. As shown in FIG. 7, the information on the company profile includes, for example, items such as the company ID, trade name, representative, and monthly settlement amount limit. If the operator profile reference right is granted, the logged-in user is permitted to browse the information of the items shown in the area A3. When the right to edit the business profile is granted, the logged-in user is permitted to edit the information of the items shown in area A3. In this embodiment, by default, the right to view and edit the business profile is granted only to the business account.

As described above, in the present embodiment, in the default setting, the right to refer to deposit information, the right to refer and edit bank account settings, and the right to refer and edit business profile are granted only to the business account. is. Information to which information access rights are granted only to the business account in the default setting may be hereinafter referred to as "specific information". In the present embodiment, for convenience of explanation, a case will be described in which the right to refer to deposit information, the right to refer and edit bank account settings, and the right to refer and edit business profile are set as specific information. The invention is not limited to such a configuration, and any information related to the electronic payment service may be set as the specific information.

FIG. 8 is a diagram showing an example of a store-side interface displayed on the store terminal device 50 when logging into the store account. In other words, when the user of the store terminal device 50 logs in, it indicates that they are in the store account hierarchy. As indicated by area A1, FIG. 8 shows an example of the shop interface displayed on the shop terminal device 50 when the user of the shop terminal device 50 logs into the shop account with the shop ID 0001. FIG. The control unit 150 refers to the information access right information 162 stored in the storage unit 160 according to the login to the store account, and based on the setting of the information access right information 162 corresponding to the store account, the store side interface Provide information accessible on In other words, the control unit 150 permits or prohibits access to the specific information by the store account based on the setting of the information access right information 162 .

Referring to the information access right information 162 shown in FIG. 4, it can be seen that the store account with store ID 0001 has the store profile reference right, the store profile edit right, and the store transaction history reference right. Therefore, even if the user of the store terminal device 50 clicks the deposit item while logged into the store account with the store ID 0001, the control unit 150 determines that the store account does not have the right to refer to the deposit information, and Prohibit access to information (i.e. hide deposit information).

Thus, in the default settings, business accounts are granted information access rights to specific information, while store accounts are not granted information access rights to specific information. This is a rational system when one business operates multiple stores. However, for example, when one business operates only one store, such as a small business, the user of the store terminal device 50 can access the specific information from the store account to the business account. At the same time, when making electronic payments at stores, it is required to switch from a business account to a store account. As a result, the user of the store terminal device 50 frequently switches between the business account and the store account, which may reduce the convenience of the store-side interface. The setting of information access rights described below solves such problems.

[Information access right settings]
FIG. 9 is a diagram showing an example of a method for setting information access rights in the store-side interface. FIG. 9 shows an example of a shop-side interface displayed on the shop terminal device 50 when the user of the shop terminal device 50 clicks account setting while logged in to the business account. In area A3, the set account indicates an account for which information access rights are set.

As shown in FIG. 9, in account setting, the store-side interface displays, for example, a reception screen for setting access rights to information on businesses and stores. As an example, FIG. 9 shows an example in which the setting of information access rights is accepted via a toggle button, but the present invention is not limited to such a configuration. A format in which selection is made using a box or a format in which selection is made using a radio button may be used.

When the user of the store terminal device 50 designates the information access right to be set and presses the button B1, the setting reception unit 140 updates the information access right information 162 based on the designated information access right. In the case of FIG. 9, as an example, transaction information reference rights, store profile reference rights, and store profile edit rights are specified. right, store profile reference right, and store profile edit right are set in the information access right information 162 . The same applies to setting information access rights when adding, editing, or deleting sub-users.

FIG. 10 is a diagram showing an example of a store-side interface displayed on the store terminal device 50 when logging into the store account after setting the information access right. FIG. 10 shows an example of a shop-side interface displayed on the shop terminal device 50 when the user of the shop terminal device 50 logs in to the shop account of the shop ID 0001 after setting the information access right shown in FIG. there is In FIG. 9, the setting is such that the store account with the store ID 0001 is given the right to refer to the deposit information. Therefore, in FIG. 10, the user of the store terminal device 50 can view the deposit information even when logged in to the store account with the store ID 0001 . As a result, the user of the store terminal device 50 can access the specific information without switching the login state from the store account to the business account (including switching the hierarchy from the store account hierarchy to the business account). .

[Execute electronic payment]
FIG. 11 is a diagram showing an example of electronic settlement executed by the store terminal device 50 when there is one store account. FIG. 11 shows that the store terminal device 50 is a tablet terminal having a function of a QR code reader, and the user of the store terminal device 50 is logged in to the business account, and the QR code presented by the user terminal device 10 is displayed. is read and payment is made.

As described above, when executing electronic payment, the shop terminal device 50 reads the QR code presented by the user terminal device 10 while logged into the shop account registered in the electronic payment service, and reads the logged-in shop account. Generates payment information including the store ID linked to, and transmits it to the payment server 100 . However, the user of the store terminal device 50 may log in to the business account (in other words, be in the hierarchy of the business account) in order to view the specific information on the store side interface. Even if there is only one store account, manually switching to the store account (in other words, the hierarchy of store accounts) in order to execute electronic payment may reduce convenience for the user.

Therefore, when executing electronic payment, the shop terminal device 50 transmits instruction information instructing execution of electronic payment to the payment processing unit 130, and when the payment processing unit 130 receives the instruction information from the shop terminal device 50, , with reference to the information access right information 162, it is determined whether or not there is one store account for the store operated by the business operator. When the settlement processing unit 130 determines that the store operated by the business operator has one store account, it transmits the store ID corresponding to the store account to the store terminal device 50, and the store terminal device 50 transmits the store ID corresponding to the store account. Generate payment information including store ID. That is, it is possible to generate payment information and execute electronic payment without requiring the user to manually switch accounts on the store side interface.

FIG. 12 is a diagram showing an example of electronic settlement executed by the store terminal device 50 when there are multiple store accounts. Similar to FIG. 11, FIG. 12 shows a scene where the user of the store terminal device 50 reads the QR code presented by the user terminal device 10 and makes a payment while logged in to the business account.

When the payment processing unit 130 refers to the information access right information 162 and determines that the store operated by the business operator has more than one store account, that is, the store operated by the business operator has multiple store accounts. If it is determined that there is, the shop terminal device 50 is sent the shop accounts and shop IDs that are candidates for electronic payment, and the shop terminal device 50 displays the received shop accounts and shop IDs in, for example, a list format. Upon receiving the selection of the store account by the user, the store terminal device 50 generates payment information including the store ID associated with the selected store account. That is, it is possible to generate payment information and execute electronic payment without requiring the user to manually switch accounts on the store side interface.

In the above embodiment, when logged in to the business account, the setting of the information access right to be granted to the store account is accepted, and if the store account has the right to access the specific information, the store side interface to provide specific information. However, the present invention is not limited to such a configuration, and if there is only one store account, the store account may be given the same information access rights (i.e., full control) as the business account. . Even in this way, it is possible to improve the convenience for the small businesses.

According to the embodiment described above, while maintaining the hierarchical structure of the business account and the store accounts of the multiple stores operated by the business, the setting of information access rights to be granted to the store account is accepted. , grants the store account information access to specific information. As a result, the user of the store terminal device 50 can access the specific information without switching the store account to the business account. As a result, it is possible to improve the convenience of the electronic payment service for the store users.

Furthermore, according to the above-described embodiment, when increasing the number of operating stores, the business operator sets information access rights for the newly opened store through account settings. In other words, the business operator can set the same information access rights as the business account through the store side interface for the newly opened store, or set only the information access right related to the operation of the store. You can also Alternatively, the business operator can set information access rights granted by already opened accounts (including sub-users) to newly opened stores. For example, it is possible to specify information access right settings corresponding to job titles and roles (store managers, expense processors, promotion managers, etc.) and to inherit those settings to new stores. The information access rights set in this way are managed in a hierarchical structure as the information access right information described above, and the business operator can change the settings of the information access right information thereafter as necessary. As a result, it is possible to improve the convenience when a business operator increases the number of stores it operates.

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

10 user terminal device 20 payment application 50 store terminal device 60 store code image 100 payment server 110 communication unit 120 payment content providing unit 130 payment processing unit 140 setting reception unit 150 control unit 160 storage unit 162 information access right information 164 payment content information

Claims (8)

An information processing device that provides a store-side interface in an electronic payment service that processes payments related to purchases at physical stores,
A business account of a business operator that manages one or more physical stores that use the electronic payment service, a physical store account of the one or more physical stores, and information access rights provided in response to login to the physical store account a storage unit that stores the settings of and in association with each other;
a receiving unit for receiving, from a terminal device used by a store-side user, setting of information access rights to be provided in response to login to the actual store account, and storing the setting in the storage unit;
a control unit that permits or prohibits access to specific information that can be accessed when logging into the business account based on the settings stored in the storage unit in response to login to the physical store account; comprising
Information processing equipment. The specific information includes bank account information of the business operator that is deposited based on the total settlement amount settled at the one or more physical stores,
The information processing device according to claim 1 . The specific information includes profile information of the business operator,
The information processing apparatus according to claim 1 or 2. A payment processing unit that causes the payment terminal device to process payment using the electronic payment service in a state where the payment terminal device installed in the physical shop is logged in to the physical store account,
When the business operator operates only one physical shop, the payment processing unit links the payment to the physical shop even when the payment terminal device is logged into the business operator account, and performs the payment. Let the payment terminal device process
The information processing apparatus according to any one of claims 1 to 3. A payment processing unit that causes the payment terminal device to process payment using the electronic payment service in a state where the payment terminal device installed in the physical shop is logged in to the physical store account,
When there are a plurality of physical stores operated by the business operator, the payment processing unit selectably displays the physical store that executes the payment, and associates the selected physical store with the payment terminal device. causing the payment terminal device to process the payment even while logged in to the business account;
The information processing apparatus according to any one of claims 1 to 3. When there is one physical store operated by the business operator, the control unit provides the physical store account with the same information access right as the information access right provided to the business operator account,
The information processing apparatus according to any one of claims 1 to 5. the computer
Providing a store-side interface for electronic payment services that process payments related to purchases at physical stores,
A business account of a business operator that manages one or more physical stores that use the electronic payment service, a physical store account of the one or more physical stores, and information access rights provided in response to login to the physical store account and the settings of are associated with each other and stored,
receiving and storing from a terminal device used by a store-side user the setting of information access rights to be provided in response to login to the actual store account;
In response to logging into the brick and mortar account, based on the stored settings, allow or disallow access to certain information accessible when logged into the merchant account;
How to provide information. to the computer,
Providing a store-side interface in an electronic payment service that processes payments related to purchases at physical stores,
A business account of a business operator that manages one or more physical stores that use the electronic payment service, a physical store account of the one or more physical stores, and information access rights provided in response to login to the physical store account and the settings of are associated with each other and stored,
receiving and storing the setting of the information access right to be provided according to the login to the actual store account from the terminal device used by the user on the store side;
responsive to logging into the brick-and-mortar account, allowing or disallowing access to certain information accessible when logged into the merchant account based on the stored settings;
program.

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