JP2024021178A - Information processing system, information processing device, program and information processing method - Google Patents

Abstract

The present invention provides an information processing system, an information processing device, a program, and an information processing method that allow easy payment in both virtual space and real space. [Solution] A first management step of managing the prepaid payment means stored in the user terminal when the electromagnetic prepaid payment means that can be settled in real space and virtual space is issued to the user terminal of the user. a second management step for managing the prepaid payment means stored in the user terminal when a payment is executed in real space using the prepaid payment means managed in the first management step; and a third management step of managing the prepaid payment means stored in the user terminal when payment is executed in the virtual space using the prepaid payment means managed in step. [Selection diagram] Figure 1

Description

The present invention relates to an information processing system, an information processing device, a program, and an information processing method, and particularly to an information processing system, an information processing device, a program, and an information processing method for processing prepaid payment means.

2. Description of the Related Art Electronic commerce, also called Internet shopping, in which users purchase products by browsing the products posted on Internet websites and purchasing the products via the Internet, has become widespread.

Patent Document 1 discloses an electronic commerce system that includes a server that performs delivery processing based on order information from a user and product delivery destination information transmitted from a user's terminal, and that delivers products to users based on the processing at the server. system is disclosed.

Japanese Patent Application Publication No. 2014-119769

Incidentally, in recent years, in a virtual space formed via a network such as the Internet, items used in the virtual space are sometimes bought and sold. In particular, the Metaverse, in which multiple people can participate at the same time and interact with others using avatars, is gaining popularity, and economic activities are also becoming more active in the Metaverse.

Economic activities such as buying and selling in such virtual spaces, including the metaverse, are often carried out using cryptocurrencies, for example, while in the aforementioned e-commerce, also known as Internet shopping, legal currencies or transactions related to legal currencies are often carried out using cryptocurrencies. Economic activities are often carried out using payment methods such as credit cards.

In the future, it is expected that the weight of economic activities in virtual space will become as large as the weight of economic activities in real space, including e-commerce, and it is expected that payment methods in virtual space and payments in real space will become more important. If the means of payment differ, it is assumed that the payment method will become complicated.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an information processing system, an information processing device, a program, and an information processing method that allow easy payment in both virtual and real spaces. It is.

In order to achieve the above object, the information processing system according to the present invention provides an information processing system in which when an electromagnetic prepaid payment means that can be settled in real space and virtual space is issued to the user terminal of the user, a first management step for managing prepaid payment instruments; and a management step for managing prepaid payment instruments stored in a user terminal when a payment is executed in real space using the prepaid payment instruments managed in the first management step. a second management step for managing the prepaid payment means, and a third management step for managing the prepaid payment means stored in the user terminal when a payment is executed in the virtual space using the prepaid payment means managed in the first management step. management steps.

According to this, when a prepaid payment means that can be settled in real space and virtual space is stored in a user terminal, when a prepaid payment means stored in the user terminal is used to make a payment in real space, and when the user Management of the prepaid payment means stored in the terminal is performed when payment is executed in the virtual space.

Therefore, since the user can use the user terminal in which the prepaid payment means is stored to function as a wallet, the user can easily make payments in both real space and virtual space.

The information processing system performs a registration step such that the prepaid payment instrument is issued to the user terminal after being authenticated by an electronic certificate associated with a public certificate relating to the personal number assigned to the user. It is something to do.

Furthermore, this information processing system includes a conversion calculation step that calculates the amount when the prepaid payment means is converted into legal currency or crypto assets, and calculates the amount when the legal currency or crypto assets are converted into legal currency of another country. It is intended to carry out the following.

The real space where the information processing system is used may include a website where electronic commerce is carried out, and the virtual space may include a three-dimensional space where multiple users can participate using avatars. It may also include a metaverse.

An information processing device according to the present invention for achieving the above object is an information processing device including a processor, a memory storing a program, and a storage unit, and the information processing device is an information processing device that includes a processor, a memory in which a program is stored, and a storage unit, and the program can be executed in real space and A step for managing the prepaid payment means stored in the user terminal when an electromagnetic prepaid payment means that can be settled in a virtual space is issued to the user terminal of the user, and storing a record of the management in the storage unit. 1 management step, and when a payment is executed in real space using the prepaid payment means managed in the first management step, the prepaid payment means stored in the user terminal is managed and the management record is stored. a second management step of storing the prepaid payment means in the user terminal; and managing the prepaid payment means stored in the user terminal when a payment is executed in the virtual space using the prepaid payment means managed in the first management step. A third management step of storing management records in the storage unit is executed.

A program according to the present invention for achieving the above object issues an electromagnetic prepaid payment means capable of making payments in real space and virtual space to an information processing device implemented by a computer to a user terminal of a user. a first management step for managing prepaid payment instruments stored in the user terminal; and a first management step for managing prepaid payment instruments stored in the user terminal; a second management step for managing the stored prepaid payment instruments; and a second management step for managing the stored prepaid payment instruments, and a prepaid payment instrument stored in the user terminal when a payment is executed in the virtual space using the prepaid payment instruments managed in the first management step. A third management step for managing payment means is executed.

To achieve the above object, an information processing method according to the present invention uses an information processing device implemented by a computer to provide an electromagnetic prepaid payment means capable of making payments in real space and virtual space to a user's user terminal. A first management step that manages the prepaid payment method stored in the user terminal when issued to the user, and when a payment is executed in real space using the prepaid payment method managed in the first management step. a second management step for managing the prepaid payment means stored in the user terminal; and a second management step for managing the prepaid payment means stored in the user terminal; and a third management step of managing the prepaid payment means.

According to this invention, since the user terminal in which the prepaid payment means is stored can function as a wallet, the user can easily make payments in both real space and virtual space.

1 is a block diagram illustrating an outline of the configuration of an information processing system according to a first embodiment of the present invention. FIG. Similarly, it is a block diagram illustrating the outline of the configuration of a computer implementing an information processing device, a first web server, and a second web server of the information processing system according to the present embodiment. Similarly, it is a block diagram illustrating the outline of the functions of the information processing device of the information processing system according to the present embodiment. Similarly, it is a flowchart illustrating an outline of processing of a program of the information processing system according to the present embodiment. Similarly, it is a diagram showing an example of a screen interface of the information processing system according to the present embodiment. Similarly, it is a diagram showing an example of a screen interface of the information processing system according to the present embodiment. Similarly, it is a diagram showing an example of a screen interface of the information processing system according to the present embodiment. Similarly, it is a block diagram illustrating an outline of management information processed by the information processing system according to the present embodiment. Similarly, it is a block diagram illustrating the outline of the configuration of a user terminal of the information processing system according to the present embodiment. Similarly, it is a block diagram illustrating the outline of the functions of a user terminal of the information processing system according to the present embodiment.

Next, an information processing system according to an embodiment of the present invention will be described based on FIGS. 1 to 10.

FIG. 1 is a block diagram illustrating the outline of the configuration of an information processing system according to this embodiment. As shown in the figure, the information processing system 10 includes an information processing device 20, a first web server 30, a second web server 40, and a user terminal 50 as main components, which are connected to each other via a network N such as the Internet network. be done.

In this embodiment, the information processing device 20 is managed by a business operator 1 that provides services using the information processing system 10, and the first web server 30 is managed by a first web business operator 2 that provides various web services. The second web server 40 is managed by a second web operator 3 that provides various web services, and the user terminal 50 is owned by a user 4 who uses services using the information processing system 10. .

Next, the specific configuration of each part of the information processing system 10 will be explained.

In this embodiment, the information processing device 20, the first web server 30, and the second web server 40 are implemented by computers having substantially the same hardware configuration, for example, desktop or notebook computers.

FIG. 2 is a block diagram illustrating the outline of the configuration of the computer.

As shown in the figure, the computer includes a processor 101, a memory 102, a storage 103, a transmitting/receiving section 104, and an input/output section 105 as main components, which are electrically connected to each other via a bus 106.

The processor 101 is an arithmetic device that controls the operation of the computer, controls the transmission and reception of data between each element, and performs processing necessary for executing an application program.

In this embodiment, the processor 101 is, for example, a CPU (Central Processing Unit), and executes an application program developed in the memory 102, which will be described below, to perform various processes.

The memory 102 is implemented by a main storage device configured with a volatile storage device such as a DRAM (Dynamic Random Access Memory).

The memory 102 is used as a work area for the processor 101, and also stores a BIOS (Basic Input/Output System) executed when the computer is started, various setting information, and the like.

The storage 103 stores data and the like used in various processes by application programs and the like.

The transmitter/receiver 104 connects the computer to the network N. The transmitter/receiver 104 may be compatible with wireless communication standards such as Wi-Fi, or may be equipped with a short-range communication interface such as Bluetooth (registered trademark) or BLE (Bluetooth Low Energy). good.

Information input devices such as a keyboard and mouse, and output devices such as a display are connected to the input/output unit 105 as necessary. In this embodiment, a keyboard, mouse, and display are each connected.

The bus 106 transmits, for example, address signals, data signals, and various control signals among the connected processor 101, memory 102, storage 103, transmitting/receiving section 104, and input/output section 105.

FIG. 3 is a block diagram illustrating the outline of the functions of the information processing device 20 of the information processing system 10. As illustrated, the information processing device 20 includes a user registration section 21 , a token issuing section 22 , a transaction management section 23 , a cash value calculation section 24 , and a storage section 25 .

The user registration section 21, the token issuing section 22, the transaction management section 23, and the exchange price calculation section 24 are realized by the processor 101 executing a program stored in the memory 102.

The user registration unit 21 executes a registration process when the user 4 starts using a service using the information processing system 10 (registration step). In this embodiment, after the user 4 is authenticated by electronic authentication associated with a public certificate (for example, My Number Card) regarding the personal number (for example, My Number), the registration step for using the service is executed. .

By executing the registration of the service through the registration step based on this public electronic authentication, the user 4 is assured of trust in the service using the information processing system 10, and can enjoy the service safely and with peace of mind. can be used.

In this embodiment, the token issuing unit 22 executes a process of issuing a token, which is an electromagnetic prepaid payment means that can be used for payment in real space and virtual space, to be described later, to the user terminal 50. When the token issuing unit 22 issues a token to the user terminal 50, the token is stored in the user terminal 50.

The token issued by the token issuing unit 22 functions as a transaction currency in real space and virtual space, and may be, for example, a Japanese yen-linked stable coin.

Furthermore, the token can also be implemented as a local currency that can be used as a transaction currency at any store in real space that is affiliated with a community within Tokyo's 23 wards, for example.

In this embodiment, the token issuing unit 22 executes a process of issuing a token to the user terminal 50 after the user 4 starts using the service through the registration step.

In this embodiment, the transaction management unit 23 manages transactions, payments, etc. using tokens stored in the user terminal 50, and stores management records in the storage unit 25.

FIG. 4 is a flowchart outlining the processing of the transaction management section 23. As shown in the figure, when the token issuing unit 22 issues a token to the user terminal 50 in step S1, the transaction management unit 23 issues the token to the user terminal 50 and stores the token in step S2. and stores the record of the management in the storage unit 25 (first management step).

Subsequently, in step S3, when the user 4 executes payment using tokens in real space via the user terminal 50, the transaction management unit 23 manages the amount of tokens stored in the user terminal 50 in step S4. Then, the management record is stored in the storage unit 25 (second management step).

On the other hand, when the user 4 executes payment using tokens in the virtual space via the user terminal 50 in step S5, the transaction management unit 23 manages the amount of tokens stored in the user terminal 50 in step S6. Then, the management record is stored in the storage unit 25 (third management step).

The exchange value calculation unit 24 shown in FIG. 3 calculates the amount when the token is converted into legal currency (for example, Japanese yen) or any crypto asset, and also converts the legal currency or crypto asset into another country's legal currency (for example, US dollar). Execute processing to calculate the amount when converted into cash (value calculation step).

5 to 7 are diagrams showing examples of screen interfaces when the conversion price calculation step is displayed on the user terminal 50. When the amount of the token converted into legal currency, crypto assets, or legal currency of another country is calculated, a screen interface IF1 as shown in FIG. 5, for example, is displayed on the user terminal 50.

On the other hand, when calculating such an exchange price, the user terminal 50 is provided with a screen interface IF2 as shown in FIG. Is displayed.

When an object to be converted into value is selected by the slide and the amount of converted legal currency into tokens is calculated, a screen interface IF3 as shown in FIG. 7 is displayed on the user terminal 50.

The storage unit 25 shown in FIG. 3 is realized by partitioning the storage area of the storage 103. In this embodiment, management information D is stored in this storage unit 25.

FIG. 8 is a block diagram illustrating the outline of the configuration of management information D. As illustrated, the management information D includes first management information d1, second management information d2, and third management information d3.

The first management information d1 is information related to management records in the first management step, the second management information d2 is information related to management records in the second management step, and the third management information d3 is information related to management records in the third management step. This is information regarding management records in steps.

The first web server 30 shown in FIG. 1 is a server that manages, via a network N, a website (EC site) where electronic commerce, also called Internet shopping, is performed in this embodiment.

In this embodiment, the EC site managed by the first web server 30 is understood to belong to the real space from the viewpoint that the products purchased by the user 4 via the EC site are delivered to the user 4. Tokens can be used as transaction currency when purchasing products and services on EC sites.

The second web server 40 is a server that manages a virtual space formed via the network N in this embodiment. In this embodiment, the virtual space managed by the second web server 40 includes, for example, the metaverse and the STO market.

In this embodiment, the metaverse is a three-dimensional space in which multiple users 4 using avatars can participate, and when purchasing objects traded within the metaverse such as items and NFTs, the metaverse is used as a transaction currency. Tokens can be used.

On the other hand, the STO market is a market where security tokens are traded, and in this market, tokens can be traded as security tokens.

In this embodiment, the user terminal 50 is implemented as a smartphone, which is a portable information terminal, but it may also be implemented as, for example, a tablet computer, desktop computer, or notebook computer.

FIG. 9 is a block diagram illustrating the outline of the configuration of the user terminal 50. As illustrated, the user terminal 50 includes a control unit 51 and a display 52 as main components.

In the present embodiment, the control section 51 controls various sections of the user terminal 50 such as the display 52 and a camera (not shown), and is configured by, for example, a processor, memory, storage, transmitting/receiving section, and the like.

In this embodiment, this control unit 51 stores an application that executes a service provided by the information processing system 10 or a browser that can view a website, and based on the processing of the program in the information processing device 20, A service is executed on the user terminal 50 via an application or a browser.

In this embodiment, the display 52 displays various screen interfaces of services executed by the user terminal 50, including screen interfaces IF1 to IF3, examples of which are shown in FIGS. 5 to 7.

The display 52 is a so-called touch panel that accepts information input by touching the display surface, and is implemented using various technologies such as a resistive film method and a capacitive method.

In this embodiment, information for operating an application that executes a service is input via this display 52. This information is input based on an arbitrary action of the user 4 on the display 52 (for example, an action of tapping or swiping the screen, an action of dragging and dropping an icon displayed on the screen, etc.).

FIG. 10 is a block diagram illustrating the outline of the functions of the user terminal 50. As illustrated, the user terminal 50 includes a communication processing section 60 and a wallet management section 61.

The communication processing section 60 and the wallet management section 61 are realized by executing a program stored in the memory of the control section 51 with a processor.

In this embodiment, the communication processing unit 60 executes processing for receiving tokens issued by the information processing device 20, and executes payments using the tokens in real space and virtual space.

In this embodiment, the wallet management unit 61 causes the user terminal 50 to function as a so-called wallet by managing the tokens received by the communication processing unit 60 on the user terminal 50.

Next, the processing of the information processing system 10 will be explained.

First, the user 4 who wishes to use the service provided by the information processing system 10 executes a registration process when starting to use the service (registration step). Once this registration step is completed, user 4 can begin using the service.

After starting to use the service, the user 4 receives a token from the information processing device 20 based on his/her request. The received token is stored in the user terminal 50. At this time, the amount of tokens issued to the user terminal 50 is managed, and a record of the management is stored as first management information d1 (first management step).

After that, when the user 4 executes payment on the EC site in real space using the tokens stored in the user terminal 50, the amount of tokens stored in the user terminal 50 is managed and the record of the management is stored in the second It is stored as management information d2 (second management step).

On the other hand, when the user 4 executes a payment in the metaverse of the virtual space using the tokens stored in the user terminal 50, the amount of tokens stored in the user terminal 50 is managed and the record of the management is stored in the third management. It is stored as information d3 (third management step).

By the way, before or after executing the first management step to the third management step, the user 4 may optionally convert the token into legal currency and display it on the user terminal 50, or convert the legal currency into legal currency of another country. and display it on the user terminal 50.

In this way, when tokens that can be used for payment in real space and virtual space are stored in the user terminal 50, the tokens stored in the user terminal 50 are stored in the user terminal 50 when a payment is executed in the real space, and Token management is performed when the token is used for payment in the virtual space.

Therefore, since the user terminal 50 in which the tokens are stored can function as a wallet, the user 4 can easily make payments in both the real space and the virtual space.

Note that the present invention is not limited to the embodiments described above, and various changes can be made without departing from the spirit of the invention.

In the above embodiment, the information processing device 20 is managed by the business operator 1, the first web server 30 is managed by the first web business operator 2, and the second web server 40 is managed by the second web business operator 3. For example, the information processing device 20, the first web server 30, and the second web server 40 are all managed by the business operator 1, and the token issued by the information processing device 20 is a so-called in-house prepaid payment method. It may also be a token as a means.

In the above embodiment, a case has been described in which the real space includes an EC site where electronic commerce is performed, but the real space also includes, for example, a physical store where tokens can be used as a payment method. Good too.

In this case, the token may be implemented as a local currency as described above.

In the above embodiment, a case has been described in which the virtual space includes the metaverse and the STO market, but for example, it may also include a game rendered three-dimensionally with CG (computer graphics), or It may also include AR (Augmented Reality Space) in which arbitrary objects are superimposed.

In the above embodiment, a case has been described in which the information processing device 20 is implemented as a computer managed by the business operator 1, but the information processing device 20 may be a computer implemented in a cloud environment.

1 Operator 2 First web operator 3 Second web operator 4 User 10 Information processing system 20 Information processing device 30 First web server 40 Second web server 50 User terminal

Claims (8)

a first management step of managing the prepaid payment means stored in the user terminal when an electromagnetic prepaid payment means capable of making payments in real space and virtual space is issued to the user terminal of the user;
a second management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the physical space using the prepaid payment means managed in the first management step;
a third management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the virtual space using the prepaid payment means managed in the first management step;
An information processing system that executes. performing a registration step such that the prepaid payment instrument is issued to the user terminal after being authenticated by an electronic certificate associated with a public certificate relating to a personal number assigned to the user;
The information processing system according to claim 1. executing a conversion calculation step of calculating an amount when converting the prepaid payment means into legal currency or crypto assets, and calculating an amount when converting the legal currency or crypto assets into legal currency of another country;
The information processing system according to claim 1 or 2. The real space includes a website where electronic commerce is performed.
The information processing system according to claim 1 or 2. In the virtual space,
It includes a three-dimensional metaverse where multiple users can participate using avatars.
The information processing system according to claim 1 or 2. An information processing device comprising a processor, a memory storing a program, and a storage unit,
By executing the program by the processor,
When an electromagnetic prepaid payment means capable of making payments in real space and virtual space is issued to a user terminal of a user, the prepaid payment means stored in the user terminal is managed and a record of the management is recorded. a first management step of storing the information in the storage unit;
When a payment is executed in the real space using the prepaid payment means managed in the first management step, the prepaid payment means stored in the user terminal is managed and the management record is recorded. a second management step of storing the information in the storage unit;
When a payment is executed in the virtual space using the prepaid payment means managed in the first management step, the prepaid payment means stored in the user terminal is managed and the management record is recorded. a third management step of storing the information in the storage unit;
An information processing device that executes. In an information processing device implemented by a computer,
a first management step of managing the prepaid payment means stored in the user terminal when the electromagnetic prepaid payment means capable of making payments in real space and virtual space is issued to the user terminal of the user;
a second management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the physical space using the prepaid payment means managed in the first management step;
a third management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the virtual space using the prepaid payment means managed in the first management step;
A program to run. Using an information processing device implemented by a computer,
a first management step of managing the prepaid payment means stored in the user terminal when the electromagnetic prepaid payment means capable of making payments in real space and virtual space is issued to the user terminal of the user;
a second management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the physical space using the prepaid payment means managed in the first management step;
a third management step of managing the prepaid payment means stored in the user terminal when a payment is executed in the virtual space using the prepaid payment means managed in the first management step;
An information processing method that performs