JP7153123B1 - Payment application, payment system, payment server device, and payment content control method - Google Patents

Abstract

An object of the present invention is to improve user convenience. Kind Code: A1 An application program for providing an electronic payment service using a mobile terminal device, in which a processor of the mobile terminal device cooperates with the application program for a portion different from a set area in content related to the electronic payment service. control the display device of the mobile terminal device so as to display payment content based on information managed by the payment server device that executes electronic payment, and use the communication device of the mobile terminal device to display payment content other than the payment server device It is possible to request the generation of specific content to another server device that is a server device and is operated by a business operator that is different from the business operator that operates the payment server device, and the other server device generates and displays it in response to the request. This is a payment application that controls the display device of the mobile terminal device so as to display the specified content in the set area of the payment content. [Selection drawing] Fig. 1

Description

The present invention relates to a payment application, a payment system, a payment server device, and a payment content control method.

Conventionally, there has been disclosed a judgment device for judging the creditworthiness of a user by using asset information acquired from a financial institution or the like and the action history of the user (see Patent Literature 1).

Japanese Patent No. 6786321

By the way, there are cases where information that can be provided to users by business operators that provide electronic payment services is limited, and conventional technologies may not be able to provide users with sufficient convenience in terms of information provision.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and an object of the present invention is to provide a payment application, a payment system, a payment server device, and a payment content control method that can improve user convenience. be one of

One aspect of the present invention is an application program for providing an electronic payment service using a mobile terminal device, in which a processor of the mobile terminal device instructs a processor of the mobile terminal device to controlling the display device of the mobile terminal device to display payment content based on information managed by a payment server device that executes electronic payment in cooperation with the application program, and using the communication device of the mobile terminal device a server device different from the payment server device, which is operated by a business operator different from the business operator that operates the payment server device, to request generation of specific content, and respond to the request; The payment application controls the display device of the mobile terminal device so as to display the specific content that can be displayed by being generated by the other server device in the setting area of the payment content.

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to provide a payment application, a payment system, a payment server device, and a payment content control method that can improve convenience for users.

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. 3 is a diagram showing an example of contents of user information 210. FIG. 3 is a diagram showing an example of contents of store information 220. FIG. FIG. 10 is a diagram showing an example of an interface screen IM1; FIG. 10 is a diagram showing an example of an interface screen IM2; FIG. 10 is a diagram for explaining a process of generating or rendering bank content; FIG. FIG. 4 is a sequence diagram showing an example of processing in an electronic payment service; FIG. 10 is a sequence diagram showing another example of processing in the electronic payment service; FIG. 10 is a diagram showing an example of an interface screen IM3; FIG. 10 is a sequence diagram showing another example of processing in the electronic payment service; FIG. 10 is a sequence diagram showing another example of processing in the electronic payment service; FIG. 10 is a diagram for explaining a process of drawing various contents; FIG.

EMBODIMENT OF THE INVENTION Hereinafter, with reference to drawings, embodiment of the payment application of this invention, a payment system, a payment server apparatus, and a payment content control method is described. The payment application of this embodiment is an application program for providing an electronic payment service using a mobile terminal device. and controlling the display device of the mobile terminal device to display payment content based on information managed by a payment server device that executes electronic payment in cooperation with the application program, and using the communication device of the mobile terminal device. a server device that is different from the payment server device and is operated by a business operator that is different from the business operator that operates the payment server device, to request the generation of specific content; The payment application controls the display device of the mobile terminal device so as to display the specific content, which can be displayed by being generated by the other server device in response, in the setting area of the payment content.

"To request another server device to generate specific content" includes sending a request via a server device such as a payment server device, and sending a request directly without going through a server device. . The processor may use the communication device of the portable terminal device to transmit a request for generating specific content to the other server device via the payment server device. For example, the payment server device acquires a request for generating the specific content from the payment application, transmits the acquired request to the other server device, and causes the other server device to generate the specific content. and the payment application displays the specific content generated in response to the request in the setting area of the payment content.

Further, the payment application of the present embodiment is an application program that provides an electronic payment service, and is a payment server device that executes payment related to the electronic payment service in cooperation with the application program. It communicates with the server device and causes the other server device that has communicated with it to draw content in a set area in the content related to the electronic payment service. For example, the payment application causes the processor of the mobile terminal device to request the other server device to draw specific content, and the other server device draws the specific content that can be displayed in response to the request. The display device of the mobile terminal device is controlled to display the content in the set area in the payment content.

The business operator that operates the payment server device, for example, is a bank or securities company that manages the other server device managed by the bank that cannot display the content including the personal information of the user of the payment application on the display unit. It is an electronic payment service provider as stipulated by law.

The above-mentioned different businesses are, for example, financial institutions such as banks, securities companies, and insurance companies. Said different business operators are one or more of legally licensed or legally registered institutions engaged in banking or securities trading. The specific content is, for example, content including information that the financial institution has the authority to provide. The information that the financial institution has the authority to provide is, for example, the personal information of the user of the payment application managed by the financial institution. The personal information is, for example, personal information that cannot be handled by the payment application or the payment server device due to legal regulations.

The personal information is, for example, information on financial assets of the user. The financial assets include, for example, one or more of deposits and securities.

<First embodiment>
[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by user terminal device 10 (payment application 20), store terminal device 50, payment server 100, bank server 300, and securities server 400. FIG. The settlement server 100 communicates with, for example, one or more user terminal devices 10 and one or more store terminal devices 50 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like. Also, the bank server 300 and the securities server 400 communicate with the user terminal device 10 or the settlement server 100 via the network NW.

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, a program execution function, a position measuring device (GPS), and the like. 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, 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 is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed at 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 balance information managed in association with a user ID (in other words, depositing and withdrawing electronic money). The electronic payment may include a method such as revolving payment or credit payment that enables purchase of a larger amount than the balance information at the time of purchase.

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 (code information) 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 store terminal device 50 . The shop terminal device 50 decodes the code image with the optical reading function and acquires information such as the user ID. The shop terminal device 50 then generates payment information including the user ID, payment amount, shop ID, 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. The payment server 100 performs payment processing based on the received information.

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 user 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.

When electronic payment is completed, a completion notification is sent from the payment server 100 to the user terminal device 10 . The user terminal device 10 displays a payment completion screen in response to the received notification of completion. The completion notification is, for example, in the form of a web page. The payment completion screen includes, for example, information about the store where the payment was made, the payment amount, points (an example of a privilege) given to the user as a result of the payment, and the like.

[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 content providing unit 120, a payment processing unit 130, a cooperation unit 140, and a storage unit 200. Content providing unit 120, payment processing unit 130, and cooperation unit 140 are each implemented by 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 200 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 200 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. Information such as user information 210 , store information 220 , and content information 230 is stored in the storage unit 200 .

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

The 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, including the above-described payment completion screen. The content providing unit 120 appropriately reads necessary content from the content information 230 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 payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 210 .

FIG. 4 is a diagram showing an example of the contents of the user information 210. As shown in FIG. The user information 210 is, for example, a user ID associated with information such as contact information, charge balance information, payment method information, and payment history information. The contact information is the information entered by the user when subscribing to the electronic payment service.

The charge balance information is information indicating the balance of electronic money set by the user in advance by transferring money from a bank deposit or the like to the electronic settlement service. Balance information may be added automatically by auto-charging associated with payment processing. Instead of (or in addition to) the charge balance, the user information 210 includes a deferred payment balance that allows the user to purchase goods or services without prepaying for the electronic payment service, and an amount that can be paid by credit card. may be associated with

A plurality of payment methods available to the user are, for example, payment by charge balance, payment by deferred payment, payment by credit card, and other payment methods. Other payment methods include, for example, revolving payments and installment payments provided by electronic payment service providers and stores.

The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, etc.) for each payment.

Information about stores is managed as store information 220 . FIG. 5 is a diagram showing an example of the contents of the shop information 220. As shown in FIG. The store information 220 is, for example, a store ID associated with information such as a store category, location, payment pattern, and the like. The store category may be one-level information, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese food", "restaurant", and "restaurant" may be given as a superordinate concept of "sushi" shown in the figure. The location may be represented by hierarchical information. The payment pattern is information indicating which of pattern 1 and pattern 2 described above can be used for payment (whether both can be used for payment).

The cooperation unit 140 cooperates with other server devices. Coordination means establishing communication to transmit and receive information, and cooperating to provide services to users.

[Description of displayed interface screen]
Here, an interface screen displayed on the display unit of the user terminal device 10 by the payment application 20 described above will be described. FIG. 6 is a diagram showing an example of the interface screen IM1. The interface screen IM1 displays, for example, a bar code C1, a QR code, information indicating a payment method (payment from the charge balance), and buttons related to various services on the display unit. The bar code and QR code are information for the store terminal device 50 to read in payment processing. The information indicating the payment method is the payment method used in the set payment processing. The various services include, for example, a coupon application service, a shopping service, a flea market service, a taxi dispatch service, and the like.

The interface screen IM1 includes a display button B1A for enlarging and displaying the code image on a screen different from the interface screen IM1. When this button B1A is operated, the code image is enlarged and displayed on another screen. The interface screen IM1 also includes a button B1B for activating the camera to read the storefront QR code. When this button B1B is operated, the camera is activated.

When the user performs a predetermined operation on the interface screen IM1, the interface screen IM2 of FIG. 7 is displayed on the display unit. The predetermined operation is, for example, an operation to display financial assets on the display unit. More specifically, it is an operation to display the amount of deposit in the account of the affiliated bank on the display unit.

FIG. 7 is a diagram showing an example of the interface screen IM2. For example, an area AR1 and an area AR2 are set on the interface screen IM2. The area AR1 is an area where the payment application 20 (or the payment server 100) draws content or images. The area AR2 is an area where a server device different from the settlement server 100, such as the bank server 300 or the securities server 400, renders content or images. The area AR1 shows the charge balance, information on the points granted to the user by using the payment service, information indicating the operation status when the points are managed by the investment service, and the transaction history using the payment service. It contains information. Content drawn in the area AR1 may be referred to as payment content. The details of "drawing" will be described later.

The area AR2 contains content drawn by the bank server 300 (hereinafter referred to as bank content). The bank content is user's personal information managed by the bank server 300 . Personal information includes deposits and savings in a bank account, details of deposits to and withdrawals from the account, and the like.

[Process of drawing bank contents]
When an operation to display financial assets is performed, the payment application 20 sets an area AR1 (a portion different from the set area, first area) and an area AR2 (set area, second area) in the first content. For example, the payment application 20 cooperates with the payment server 100 to generate content including information about the electronic payment service in the area AR1 so as to display the content on the display, and displays the generated content on the display. The payment application 20, for example, requests the bank server 300 to generate content (bank content) including information on bank financial assets in the area AR2, and displays the bank content generated by the bank server 300 on the display unit.

For example, the payment application 20 causes the payment server 100 to render content including information on the electronic payment service in the area AR1, and manages deposits (first financial assets) in bank accounts of users of pre-registered application programs. The bank server 300 is caused to draw content including deposit information in the area AR2. Note that the first financial asset may be information on a securities account.

FIG. 8 is a diagram for explaining the process of generating or rendering bank content. The payment application 20 cooperates with the bank server 300 to request the bank server 300 to generate or draw bank content in the area AR2, and causes the bank server 300 to generate or draw bank content. Making the bank server 300 generate or render bank content means, for example, that the payment application 20 and the payment server 100 directly acquire or manage the user's personal information held by the bank server 300, and the bank server 300 is to handle the personal information of the user and provide or display bank contents including the personal information in the area AR2 under the control of the bank server 300 .

For example, the payment application 20 requests an API (Application Programming Interface) of the bank server 300 to provide bank content, and causes the display unit to display the bank content provided by the API of the bank server 300 in response to the request. As an example, the payment application 20 acquires access destination information (information for access) such as an API URL in order to receive bank content. The payment application 20 accesses the access destination based on the acquired information and receives bank contents from the bank server 300 . As a result, the payment application 20 can provide the user with bank content including personal information without directly managing or acquiring personal information.

[Sequence diagram (Part 1)]
FIG. 9 is a sequence diagram showing an example of processing in the electronic payment service. The order of this process may be changed as appropriate (the same applies to other sequence diagrams). First, the payment application 20 determines whether or not the user has performed an operation to display financial assets on the display unit (S10). If the operation is performed, the payment application 20 sets the area AR1 and the area AR2 (S12). Next, the payment application 20 requests the bank server 300 to draw bank contents (S14). Next, the bank server 300 draws bank content in the area AR2 (S16). Next, the payment application 20 requests the payment server 100 to draw payment content (S18). Next, the payment server 100 draws payment content in the area AR1 (S20).

In the above processing, the payment application 20 can cooperate with the API of the bank server 300 . The payment application 20 cooperates with the bank server 300 using authentication information such as a token (for example, a one-time password issued by the bank server 300). The payment application 20 provides the bank server 300 with, for example, authentication information stored in the storage unit of the user terminal device 10, authentication information acquired from the payment server 100 or the bank server 300, and the like. The bank server 300 compares the provided authentication information with the authentication information held by the bank server 300 , and if they match, the bank server 300 cooperates with the payment application 20 . Thereby, the payment application 20 can cause the bank server 300 to draw bank contents.

In the above process, the payment application 20 provides the bank server 300 with specific information for obtaining the user's personal information when requesting the bank server 300 to draw bank content. The specific information includes user identification information, login password, authority information for accessing personal information, and the like. The specific information is managed by the payment application 20 or the payment server 100 . The bank server 300, for example, acquires the user's personal information using the specific information and generates bank content including the acquired information.

As described above, the payment application 20 can cooperate with the payment server 100 and the bank server 300 to provide the user with payment content and bank content.

[Sequence diagram (Part 2)]
FIG. 10 is a sequence diagram showing another example of processing in the electronic payment service. First, the payment application 20 determines whether or not the user has performed an operation to display financial assets on the display unit (S100). When the operation is performed, the payment application 20 sets the area AR1 and the area AR2 (S102). Next, the payment application 20 transmits a request to draw payment content and a request to the payment server 100 to cooperate with the bank server 300 and cause the bank server 300 to draw the bank content (S104). Next, the settlement server 100 requests the bank server 300 to draw bank contents in the area AR2 (S106). Next, the bank server 300 renders the bank content in the area AR2 in response to the above request (S108). Next, the payment server 100 draws payment content in the area AR1 (S110).

In the above process, the settlement server 100 cooperates with the bank server 300 using authentication information such as a token (for example, a one-time password issued by the bank server 300). The payment server 100 provides the bank server 300 with the authentication information stored in the storage device of the payment server 100, for example. The bank server 300 compares the provided authentication information with the authentication information held by the bank server 300 , and if they match, the bank server 300 cooperates with the settlement server 100 . Thereby, the payment server 100 and the payment application 20 can cause the bank server 300 to draw bank contents.

In the above process, the settlement server 100 provides the bank server 300 with specific information for obtaining the user's personal information in response to a request for the bank server 300 to draw bank content. The bank server 300 acquires the user's personal information using the specific information and generates bank content including the acquired information.

As described above, the payment server 100 can cooperate with the payment application 20 and the bank server 300 to provide the user with payment content and bank content.

[Processing in which Bank Content and Securities Content are Rendered]
In addition to bank content, security content may be displayed on interface screens, as follows. When an operation to display financial assets is performed, as shown in FIG. 11 to be described later, the payment application 20 sets the content (second content) to an area AR1a, an area AR2a (set area, second area), and an area AR2b ( set area, second area) and area AR2c (set area, third area). The settlement application 20, for example, requests the securities server 400 to generate content (securities content) including information about financial assets of the securities company in the area AR2c, and displays the security content generated by the securities server 400 on the display unit. Brokerage account information includes transaction history in the brokerage account.

FIG. 11 is a diagram showing an example of the interface screen IM3. For example, an area AR1a, an area AR2a, an area AR2b, and an area AR2c are set on the interface screen IM3. The area AR1a is an area where the payment application 20 (or the payment server 100) draws content or images. Areas AR2a to AR2c are areas where a server device different from payment application 20 and payment server 100 draws content or images. The area AR2a and the area AR2b are areas in which the bank server 300 draws bank content.

In the interface screen IM3, the bank content includes information on deposits and savings as well as details of payments withdrawn from the account. The information on the details is, for example, information on withdrawals related to credit card payments and information on withdrawals related to repayment of housing loans.

Area AR2c is an area where securities server 400 draws securities content. Securities content is the user's personal information held in the securities server 400 . The personal information of the user held in the securities server 400 includes, for example, the balance of the securities account, the price of the securities held, the transaction history, and the like. In the example of FIG. 11, the security content includes the price of the security.

[Sequence (Part 3)]
FIG. 12 is a sequence diagram showing another example of processing in the electronic payment service. First, the payment application 20 determines whether or not the user has performed an operation to display financial assets on the display unit (S200). If the operation is performed, the payment application 20 sets the area AR1a-area AR2c (S202). Next, the payment application 20 transmits a drawing request of bank contents to the bank server 300 (S204). Next, bank server 300 draws bank contents in areas AR2a and AR2b in response to the above request (S206).

Next, the payment application 20 requests the payment server 100 to draw the payment content (S208). Next, the settlement server 100 draws settlement content in the area AR1a in response to the above request (S210). Next, the payment application 20 requests the securities server 400 to draw securities content (S212). Next, the settlement server 100 renders the security content in the area AR2c in response to the above request (S214).

9, the payment application 20 and the payment server 100 communicate with the bank server 300 and the securities server 400 using specific information for obtaining tokens and personal information of users. Cooperate and have the cooperating server render the contents.

As described above, the payment application 20 can cooperate with the payment server 100, the bank server 300, and the securities server 400 to provide the user with payment content, bank content, and securities content.

[Sequence diagram (4)]
FIG. 13 is a sequence diagram showing another example of processing in the electronic payment service. First, the payment application 20 determines whether or not the user has performed an operation to display financial assets on the display unit (S300). When the operation is performed, the payment application 20 sets the area AR1a-area AR2c (S302). Next, the payment application 20 transmits a request for drawing content related to financial assets to the payment server 100 (S304). The request to draw content related to financial assets includes, for example, a request to draw payment content, a request to the payment server 100 to draw bank content in cooperation with the bank server 300, and a request to the payment server 100 to draw bank content in cooperation with the securities server 400. This is a request to make the securities server 400 render securities contents in cooperation.

Next, the settlement server 100 requests the bank server 300 to draw bank contents in the areas AR2a and AR2b (S306). Next, bank server 300 draws bank contents in area AR2a and area AR1b in response to the above request (S308).

Next, the settlement server 100 requests the securities server 400 to draw securities content in the area AR2c (S310). Next, the securities server 400 draws the securities content in the area AR2c in response to the above request (S312). Next, the payment server 100 draws payment content in the area AR1a (S314).

10, the payment application 20 and the payment server 100 communicate with the bank server 300 and the securities server 400 using specific information for obtaining tokens and personal information of users. Cooperate and have the cooperating server render the content.

As described above, the payment application 20 can cooperate with the payment server 100, the bank server 300, and the securities server 400 to provide the user with payment content, bank content, and securities content.

[Process of drawing various contents]
FIG. 14 is a diagram for explaining the process of drawing various contents. The payment server 100 (or the payment application 20) may acquire the user's personal information from another server device, generate content including the acquired information, and display the generated content on the display unit. The settlement server 100 accesses the bank server 300 and performs web scraping to acquire personal information of the user.

However, depending on the environment in which various contents are provided, it may not be desirable for the settlement server 100 to acquire the user's personal information from another server device or to provide contents containing the acquired information. . In this case, as described above with reference to FIGS. 8 to 13, it may be required to create or draw the content in the area set by the server device that provides the content.

For example, depending on the type of user's personal information, the payment server 100 may not be able to retain personal information, or the payment server 100 may be unable or desirable to acquire personal information and provide the acquired information to the user. sometimes not. Specifically, there are cases where, by law, only a licensed, registered, or authorized institution can handle a particular type of personal information of a user. For example, a bank can handle information such as a deposit amount in a bank account, and a securities company can handle information about a securities account. The payment server 100 (operator or operator) managed by an institution registered as an electronic payment agency may not be able to handle information that can be handled by the above-mentioned banks and securities companies.

In such a case, as described above with reference to FIGS. 8 to 13, the payment application 20 and the payment server 100 directly store the content in the server device of the bank or securities company without obtaining information from the bank or securities company. is drawn. As a result, even in a payment system managed by an institution registered as an electronic payment agency, it is possible to provide users with content related to financial assets, thereby improving user convenience.

In the above example, the contents are drawn (or generated) by the bank server 300 and the securities server 400, but instead (or in addition), other servers may be made to draw the contents. . For example, there is a server device of an insurance company, a server device that manages points that can be used for purchasing products, a server device of an asset management company that manages users' financial assets, and the like. These server devices render content related to financial assets managed by the institution or the server device (for example, content including information such as savings-type insurance, points, and managed financial assets).

Also, in the present embodiment, the content related to financial assets has been described, but instead (in addition), content related to other than financial assets may be rendered by another server device. Content related to non-financial assets refers to institutions registered as electronic payment service providers, payment applications 20, Alternatively, it is information that the settlement server 100 cannot handle or information that is considered inappropriate to handle.

According to the embodiments described above, in the electronic payment service, the payment application 20 or the payment server 100 communicates with another server device, and instructs the other server device with which communication is made to the set area in the content related to the electronic payment service. The user's convenience can be improved by rendering the content.

Moreover, a part or all of each process and each embodiment described above may be executed in combination. Furthermore, part or all of the processing executed in the payment server 100 may be executed by the payment application 20 or by another device. A part or all of the processing executed by the payment application 20 may be executed by the payment server 100, or may be executed by another device. For example, part or all of the functional configuration of the payment server 100 may be distributed among multiple devices. Furthermore, the information stored in the storage unit 200 of the payment server 100 may be stored in the user terminal device 10.

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 70 advertiser terminal device 100 settlement server 120 content providing unit 130 settlement processing unit 140 cooperation unit 200 storage unit 210 user information 220 store information 230 content information

Claims (23)

An application program for providing an electronic payment service using a mobile terminal device,
to the processor of the mobile terminal device,
Display payment content based on information on the user's first financial assets managed by a payment server device that executes electronic payment in cooperation with the application program, in a portion of the content related to the electronic payment service that is different from the set area. to control the display device of the mobile terminal device,
Using the communication device of the mobile terminal device, a server device different from the payment server device and operated by a second business operator that is different from the first business operator that operates the payment server device requesting another server device to generate specific content based on information about the user's second financial asset managed by the second business operator;
The display device of the mobile terminal device is configured such that the specific content that can be displayed by being generated by the other server device in response to the request is directly displayed by the other server device in the set area of the content. let it control,
The first business operator has a first license to provide the user with information on the first financial asset, and does not have a second license to provide the user with information on the second financial asset,
The second business operator has a second license to provide information about the second financial asset to the user.
payment app. An application program for providing an electronic payment service using a mobile terminal device,
to the processor of the mobile terminal device,
The mobile terminal device displays payment content based on information managed by a payment server device that executes electronic payment in cooperation with the application program, for a portion of the content related to the electronic payment service that is different from the plurality of set areas. to control the display device of
Using the communication device of the mobile terminal device, the plurality of server devices different from the payment server device and operated by a business operator different from the first business operator that operates the payment server device Requesting each of the other server devices to generate specific content,
each of the plurality of specific contents that can be displayed by being generated by each of the plurality of other server devices in response to the request, in the setting area associated with the plurality of other server devices in the content ; Controlling the display device of the mobile terminal device to display respectively ,
payment app. An application program for providing an electronic payment service using a mobile terminal device,
to the processor of the mobile terminal device,
If the first operation is performed,
Display of the mobile terminal device so as to display payment content based on information managed by a payment server device that executes electronic payment in cooperation with the application program, for a portion of the content related to the electronic payment service that is different from the set area. let the device control,
By using the communication device of the mobile terminal device, another server device corresponding to the first operation different from the payment server device, and a business operator different from the first business operator who operates the payment server device causing another server device to be operated corresponding to the first operation to request generation of specific content;
A display device of the portable terminal device is configured to display the specific content, which can be displayed by being generated by another server device corresponding to the first operation in response to the request, in the setting area of the content . let it control,
If the second operation is performed,
controlling the display device of the mobile terminal device to display payment content based on information managed by the payment server device for a portion different from the set area;
By using the communication device of the mobile terminal device, another server device corresponding to the second operation different from the settlement server device, and a business operator different from the first business operator who operates the settlement server device causing another server device that is managed and corresponding to the second operation to request generation of specific content;
A display device of the portable terminal device is configured to display the specific content that can be displayed by being generated by another server device corresponding to the second operation in response to the request, in the setting area of the content. to control
payment app. to the processor of the mobile terminal device,
requesting the other server device to draw the specific content;
controlling the display device of the portable terminal device so as to display the specific content that can be displayed by being rendered by the other server device in response to the request, in the set area of the content ;
The settlement application according to any one of claims 1 to 3. The different business operator is a financial institution,
The settlement application stored in any one of claims 1 to 4 . The specific content is content containing information that the financial institution has the authority to provide,
The payment application according to claim 5 . The information that the financial institution has the authority to provide is personal information of the user of the payment application managed by the financial institution.
The payment application according to claim 6 . The personal information is personal information that cannot be handled by the payment application or the payment server device due to legal regulations.
The payment application according to claim 7 . The personal information is information about the user's financial assets,
The payment application according to claim 7 or 8 . the financial assets include one or more of deposits and securities;
The payment application according to claim 9 . Said different business entity is one or more of a legally authorized or legally registered banking institution or a securities trading institution;
The payment application according to any one of claims 1 to 10 . The first business operator that operates the payment server device cannot display on the display unit content including the personal information of the user of the payment application managed by the other server device managed by the bank or securities company. It is an electronic payment agency stipulated by law,
The payment application according to any one of claims 1 to 11 . The setting area includes a first setting area and a second setting area,
If an operation to display financial assets is performed,
to the computer,
Rendering specific content including information of the second financial asset in the first setting area on the first server device which is the other server device that manages the second financial asset of the user of the payment application registered in advance. let
Rendering specific content including information of the third financial asset in the second setting area on the second server device , which is the other server device that manages the third financial asset of the user of the payment application registered in advance. let
the second financial asset is bank account information including transaction history in the bank account;
The third financial asset is securities account information including transaction history in the securities account,
The payment application according to any one of claims 1 to 12. The content related to the electronic payment service includes information on the balance available for the electronic payment service,
The payment application according to any one of claims 1 to 13. to the processor;
using the communication device of the mobile terminal device to transmit a request for generating specific content to the other server device via the payment server device;
The settlement application according to any one of claims 1 to 14 . A payment application according to claim 15 and a payment server device,
The payment server device acquires a request for generating the specific content from the payment application, transmits the acquired request to the other server device, and requests the other server device to generate the specific content. death,
The payment application displays the specific content generated in response to the request in the setting area of the content .
payment system. the payment application according to any one of claims 1 to 15 ;
A server device different from the payment server device, which is operated by a business operator different from the first business operator that operates the payment server device that generates the specific content in response to a request to generate the specific content. and other server devices that
payment system with A payment server device that executes electronic payment in cooperation with a payment application for providing an electronic payment service using a mobile terminal device,
controlling the display device of the mobile terminal device to display payment content based on information about the user's first financial asset managed by the payment server device, for a portion different from the set area in the content related to the electronic payment service; ,
Using the communication device of the mobile terminal device, a server device different from the payment server device and operated by a second business operator that is different from the first business operator that operates the payment server device requesting another server device to generate specific content based on information on said user's second financial asset managed by said second business operator;
The display device of the mobile terminal device is configured such that the specific content that can be displayed by being generated by the other server device in response to the request is directly displayed by the other server device in the set area of the content. control and
The first business operator has a first license to provide the user with information on the first financial asset, and does not have a second license to provide the user with information on the second financial asset,
The second business operator has a second license to provide information about the second financial asset to the user.
Payment server device. A payment server device that executes electronic payment in cooperation with a payment application for providing an electronic payment service using a mobile terminal device,
controlling the display device of the mobile terminal device to display payment content based on information managed by the payment server device for portions different from the plurality of set areas in the content related to the electronic payment service;
Using a communication device, a plurality of other server devices different from the payment server device and operated by a business operator different from the first business operator that operates the payment server device Ask each to generate specific content,
each of the plurality of specific contents that can be displayed by being generated by each of the plurality of other server devices in response to the request, in the setting area associated with the plurality of other server devices in the content ; controlling the display device of the mobile terminal device to display respectively ;
Payment server device. A payment server device that executes electronic payment in cooperation with a payment application for providing an electronic payment service using a mobile terminal device,
If the first operation is performed,
controlling the display device of the mobile terminal device to display payment content based on information managed by the payment server device for a portion different from the set area in the content related to the electronic payment service;
Using a communication device, another server device corresponding to the first operation different from that of the settlement server device, which corresponds to the first operation different from that of a first business operator that operates the settlement server device. requesting another server device operated by a business operator corresponding to the first operation to generate specific content;
A display device of the portable terminal device configured to display the specific content that can be displayed by being generated by the other server device corresponding to the first operation in response to the request, in the setting area of the content. to control the
If the second operation is performed,
controlling the display device of the mobile terminal device to display payment content based on information managed by the payment server device for a portion different from the set area;
Using the communication device, another server device corresponding to the second operation different from the settlement server device and operated by a business operator different from the first business operator who operates the payment server device requesting another server device corresponding to the second operation to generate specific content;
A display device of the portable terminal device is configured to display the specific content that can be displayed by being generated by another server device corresponding to the second operation in response to the request, in the setting area of the content. to control
Payment server device. A method for providing an electronic payment service using a mobile terminal device, comprising:
the computer
Display of the mobile terminal device so as to display payment content based on information on the user's first financial asset managed by a payment server device that executes electronic payment, in a portion different from the set area in the content related to the electronic payment service. control the device,
Using the communication device of the mobile terminal device, a server device different from the payment server device and operated by a second business operator that is different from the first business operator that operates the payment server device requesting another server device to generate specific content based on information on said user's second financial asset managed by said second business operator;
The display device of the mobile terminal device is configured such that the specific content that can be displayed by being generated by the other server device in response to the request is directly displayed by the other server device in the set area of the content. control and
The first business operator has a first license to provide the user with information on the first financial asset, and does not have a second license to provide the user with information on the second financial asset,
The second business operator has a second license to provide information about the second financial asset to the user.
Payment content control method. A method for providing an electronic payment service using a mobile terminal device, comprising:
the computer
controlling the display device of the mobile terminal device so as to display payment content based on information managed by a payment server device that executes electronic payment, for a portion of the content related to the electronic payment service that is different from the plurality of set areas;
Using the communication device of the mobile terminal device, the plurality of server devices different from the payment server device and operated by a business operator different from the first business operator that operates the payment server device Requesting each of the other server devices to generate specific content,
each of the plurality of specific contents that can be displayed by being generated by each of the plurality of other server devices in response to the request, in the setting area associated with the plurality of other server devices in the content ; controlling the display device of the mobile terminal device to display respectively ;
Payment content control method. A method for providing an electronic payment service using a mobile terminal device, comprising:
the computer
If the first operation is performed,
controlling the display device of the mobile terminal device to display payment content based on information managed by a payment server device that executes electronic payment, for a portion of the content related to the electronic payment service that is different from the set area;
Using a communication device, another server device corresponding to the first operation different from the settlement server device and operated by a business operator different from the first business operator who operates the payment server device . Requesting another server device corresponding to the operation of 1 to generate specific content,
A display device of the portable terminal device is configured to display the specific content, which can be displayed by being generated by another server device corresponding to the first operation in response to the request, in the setting area of the content. control and
If the second operation is performed,
controlling the display device of the mobile terminal device to display payment content based on information managed by the payment server device for a portion different from the set area;
Using the communication device, another server device corresponding to the second operation different from the settlement server device and operated by a business operator different from the first business operator who operates the payment server device requesting another server device corresponding to the second operation to generate specific content;
A display device of the portable terminal device is configured to display the specific content that can be displayed by being generated by another server device corresponding to the second operation in response to the request, in the setting area of the content. Control,
Payment content control method.

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