JP7333861B2 - Programs, terminal devices, servers and information processing systems - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Law 1. Website publication date June 14, 2021 2. Website address https://b43. jp/pair/3. Publisher: Smart Bank Co., Ltd. 4. Contents of the Disclosed Invention Smart Bank Co., Ltd. has disclosed a terminal device for opening a shared account for prepaid cards on the website at the above address.

The present invention relates to programs, terminal devices, servers, and information processing systems.

As a form of prepaid card account, there is a form in which one account can be shared by a plurality of users. Hereinafter, such an account for prepaid cards will be referred to as a "shared account". Multiple users may have prepaid cards for shared accounts issued to each user. When each user conducts a commercial transaction using the prepaid card for his own shared account, settlement is made from the shared account. Each user can also charge the shared account.

By the way, Patent Literature 1 describes a technique of issuing a second payment means to be used by a second user in association with a first payment means such as a prepaid card used by the first user. . When the second user uses the second payment method at a store or the like, payment is made from the first payment method. The first user issues the second payment means by registering the information of the first user and the information related to the first payment means in the information processing device and the information of the second user. , allows the second user to use the second payment means.

Japanese Patent No. 6782392

A shared account may be shared not only among family members but also among friends or acquaintances. Therefore, in order to prevent the opening of a shared account with an unintended third party, each user who intends to open a shared account must ensure that the party involved in the opening procedure is the intended party. Assurance procedures should be provided.
On the other hand, for example, in the conventional technology as described in Patent Document 1, when the first user issues the second payment means and allows the second user to use it, the first user receives information It only registers various kinds of information in the processing device, and does not provide a procedure for guaranteeing that the other party is the intended party to both users. Therefore, even if the conventional technology is adopted for the procedure for opening a shared account, it is not possible to provide a procedure for guaranteeing that the person with whom the shared account is to be shared is the intended person.
There is also the problem that, if such a guarantee procedure is introduced during the process of opening a shared account, the number of users who give up opening the shared account may increase if the procedure is complicated.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a program, a terminal device, a server, and an information processing system for providing procedures for easily opening a shared account between users as originally intended. do.

A program according to the present invention causes a computer to acquire a request for opening a shared account for a prepaid card from a first terminal used by a first user, and the first terminal generates invitation information for opening a shared account. a process of transmitting basic information to the first terminal, a process of receiving access based on the invitation information from the second terminal used by the second user, the first user's identification information and the first The identification information of the second user and the identification information of the shared account are linked and stored, and function as a server that executes processing for opening a shared account shared by the first user and the second user.

Basic information for acquiring a request for opening a shared account for a prepaid card from a first terminal used by a first user, and for the first terminal to generate invitation information for opening a shared account by the program of the present invention is sent to the first terminal, and is accessed based on the invitation information from the second terminal used by the second user, and the identification information of the first user, the identification information of the second user, and the identification of the shared account A shared account is established that links and stores the information and is shared by the first user and the second user. Therefore, the program of the present invention can provide a procedure for easily opening a shared account between intended users.

1 is a block diagram showing the configuration of an information processing system according to Embodiment 1; FIG. 2 is a block diagram showing the configuration of a client terminal according to Embodiment 1; FIG. 2 is a block diagram showing the configuration of a server according to Embodiment 1; FIG. 3 is a block diagram showing a hardware configuration that implements functions of a client terminal or server; FIG. 4 is a timing chart showing opening of a shared account for a prepaid card according to Embodiment 1. FIG. FIG. 10 is a screen diagram showing an overview of operations on a management screen; FIG. 10 is a screen diagram showing an overview of reading invitation information; FIG. 10 is a screen diagram showing an overview of approval processing for opening a shared account; It is a screen figure which shows the completion of opening of a shared account. It is a screen figure which shows the usage example of a shared account.

Embodiment 1.
FIG. 1 is a block diagram showing the configuration of an information processing system 1 according to Embodiment 1. As shown in FIG. In FIG. 1 , an information processing system 1 is a system in which a client terminal 2 A 1 , a client terminal 2 A 2 , a server 3 and a store terminal 4 are connected via a network 5 . The information processing system 1 is used for settlement of commercial transactions performed by the user A1 using the prepaid card B1, and is used for settlement of commercial transactions performed by the user A2 using the prepaid card B2.

An existing electric communication line can be used for the network 5 . Network 5 is, for example, the Internet. The client terminals 2A1 and 2A2 are terminal devices capable of communicating with the server 3 via the network 5, and are, for example, smart phones, tablet terminals, or PCs (Personal Computers). In the following, it is assumed that the client terminals 2A1 and 2A2 are smartphones.

The server 3 performs processing for opening a prepaid card account. The server 3 is owned or used by, for example, a settlement operator that provides settlement services using prepaid cards.
Accounts opened by the server 3 include personal accounts and shared accounts. A personal account is an account that can only be used by one user. A shared account is an account that can be shared by multiple users. Both personal and shared accounts are available only to verified users.

Any user who does not have a personal account can request the server 3 to open a new personal account. For example, when a user A1 whose identity has not been verified attempts to open a personal account, the user A1 can transmit identity verification information about himself/herself to the server 3 through a so-called eKCY (electronic Know Your Customer) procedure. When the server 3 acquires the personal identification information about the user A1, the server 3 performs processing for opening a personal account for the user A1. It should be noted that the user A1 can also send, by mail or the like, an identity verification document in the form of a paper medium containing items that can be used to verify the identity of the user A1 to the settlement company.

When the server 3 opens a personal account for the user A1, the user A1 is issued a prepaid card for the personal account. The prepaid card to be issued is either a real card or a virtual card installed in the client terminal as an application program, or both. The server 3 associates and stores the identification information that can identify the user A1, the card number of the prepaid card for the personal account, and the identification information of the personal account. As a result, the user A1 who opened the personal account becomes a verified user whose identity verification information is managed by the server 3 .

When user A1, whose identity has not been verified, receives an invitation to open a shared account from another user according to the procedure for opening a shared account, which will be described later, the identity verification procedure is performed, and the account is shared with the other user. Some may only have a joint account for use with In this case as well, the user A1 is a verified user whose identity verification information is managed by the server 3 .

A new personal account opening request to the server 3 can be made by any user who does not have a personal account. It can only be done by users who have at least one, i.e. users whose identity has been verified.

For example, assume that user A1 already has a personal account and is about to open a new shared account that can be used in common with user A2 who is an acquaintance. The user A1 whose identity has been verified is the first user who can request the server 3 to open a shared account. It is a first terminal that can be used by one user. User A2 is a second user with whom the first user intends to share a shared account, and client terminal 2A2 is a second terminal that can be used by the second user.

When user A1 intends to open a shared account with user A2, user A1 uses client terminal 2A1 to transmit a shared account opening request to server 3 . At this time, a management screen provided by a management application for managing the account used by the user A1 is displayed on the display unit 2D (described later) provided in the client terminal 2A1. The management application is, for example, an application pre-installed in the client terminal 2A1 and executed in the client terminal 2A1. Alternatively, the management application is, for example, a management application executed in the server 3 to provide the client terminal 2A1 with an account management function through the network 5. FIG. The user A1 transmits a request for opening a shared account to the server 3 by operating the management screen displayed on the screen of the client terminal 2A1. When the server 3 acquires a shared account opening request from the client terminal 2A1 on which the management screen is displayed, the server 3 transmits basic information for generating invitation information for opening a shared account to the client terminal 2A1. The basic information includes information indicating that user A1 has requested to open a shared account. The basic information is generated by the server 3 as a so-called token consisting of a predetermined character string, for example, and transmitted to the client terminal. Tokens generated as basic information are unique and are issued for each shared account opening request, and even if the same user requests opening, a token consisting of an individual character string is generated each time.

The client terminal 2A1 uses the basic information received from the server 3 to generate invitation information for opening a shared account. The invitation information includes information for accessing a specific URL provided by the server 3 . The invitation information is generated in the form of a code image such as a two-dimensional barcode such as a QR code (registered trademark) or a one-dimensional barcode, or a code represented by a character string. The client terminal 2A2 accesses the server 3 based on the invitation information generated by the client terminal 2A1.

When the server 3 is accessed from the client terminal 2A2 based on the invitation information for opening a shared account, the server 3 determines whether the user It is determined whether or not A2 has been verified. When the server 3 determines that the identity of the user A2 has been verified, the server 3 transmits display control information to the client terminals 2A1 and 2A2. The display control information in this case is control information for displaying an approval confirmation screen for opening a shared account on a display unit 2D (described later) provided in each of the client terminals 2A1 and 2A2.

The client terminals 2A1 and 2A2 display an approval confirmation screen on each display unit 2D (described later) based on the display control information. The approval confirmation screen displayed on the client terminal 2A1 used by the user A1 contains at least information about the user A2, and thus the user A1 knows that he/she is going to open a shared account with the user A2. Based on the information displayed on the approval confirmation screen, the user A1 determines whether or not to approve the opening of the shared account with the user A2. The approval confirmation screen displayed on the client terminal 2A2 used by the user A2 includes at least information about the user A1, and it can be understood that the user A1 is about to open a shared account with the user A2. It should be noted that it is preferable that the information regarding the user A1 includes the personal name confirmed when the user A1 is authenticated, and the same applies to the information regarding the user A2. Based on the information displayed on the approval confirmation screen, the user A2 determines whether or not to approve the opening of the shared account with the user A1. The user A1 who approves the opening of the shared account uses the client terminal 2A1 to transmit approval information indicating approval of the opening of the shared account to the server 3 . Similarly, user A2 who approves opening a shared account transmits approval information to server 3 using client terminal 2A2. Each approval confirmation screen includes, for example, an approval button (refer to the "to card issuance" column S7 in FIG. 8 described later) and a disapproval button (refer to the "cancel opening of shared account" column S6 in FIG. 8 to be described later). , and users A1 and A2 can use these buttons to send approval information or disapproval information to the server 3, respectively.

When the server 3 acquires the approval information from both the client terminals 2A1 and 2A2, it performs processing to open a shared account shared by the users A1 and A2. When a shared account shared by users A1 and A2 is opened by the server 3, a prepaid card B1 for the shared account is issued to the user A1, and a prepaid card B2 for the shared account is issued to the user A2. be done. The prepaid card to be issued is either a real card or a virtual card installed in the client terminal as an application program, or both. For example, the server 3 associates and stores the identification information of the user A1, the identification information of the user A2, the card number of the prepaid card B1, the card number of the prepaid card B2, and the identification information of the shared account. In this way, the server 3 establishes a shared account shared by users A1 and A2. This newly opened shared account is an account different from both the existing personal account and existing shared account used by user A1 and the existing personal account and existing shared account used by user A2. The prepaid cards B1 and B2 for the shared account are cards independent of the prepaid cards for the existing accounts as described above, and the card numbers of the prepaid cards B1 and B2 are issued with a number different from the card number of the prepaid card. Further, although the card number of the prepaid card B1 for the shared account and the card number of the prepaid card B2 for the shared account are also issued as different numbers, they are issued in association with each other and payments are made from one shared account.

The store terminal 4 is a terminal device installed in a store of a member store that allows settlement using a prepaid card. For example, assume that prepaid cards B1 and B2 are prepaid cards issued for a shared account shared by users A1 and A2, as described above. In addition to the function of opening an account, the server 3 has a function of managing settlement of commercial transactions using prepaid cards. When user A1 settles a commercial transaction using prepaid card B1 at a store, store terminal 4 reads card information stored in prepaid card B1 and transmits settlement information to server 3 via network 5. - 特許庁The payment information includes the identification information of the member store where the payment was made, the payment amount, and the card information. The card information includes the card number of the prepaid card B1.

When the server 3 receives the payment information transmitted from the shop terminal 4, it identifies the shared account of the prepaid card B1 corresponding to the card number. Next, the server 3 pays the amount indicated by the settlement amount to the affiliated store from the specified balance of the shared account. At this time, the server 3 stores, for example, the date and time when the server 3 processed the payment to the affiliated store, calculates the balance of the shared account after the payment processing, and stores it together with the date and time.

In addition, when the store terminal 4 transmits payment information to the server 3 via the network 5, it may be via one or a plurality of other servers (not shown in FIG. 1) other than the server 3. FIG. Another server is, for example, a server provided by a credit card company.
Also, the commercial transactions using the prepaid cards B1 and B2 have been described as commercial transactions in the case where the store is a real store, but they may be commercial transactions with a store on the Internet by operating the client terminal 2A1 or 2A2.

In the information processing system 1, an identity-verified user A1 uses the client terminal 2A1 to request the server 3 to open a shared account, generate invitation information, and approve the opening of the shared account. However, by using the client terminal 2A2 to access the server based on the invitation information and approve the opening of the shared account, the shared account of the users A1 and A2 is opened. Therefore, the server 3 can provide a procedure for easily opening a shared account between intended users.

FIG. 2 is a block diagram showing the configuration of client terminals 2A1 and 2A2. As shown in FIG. 2, the client terminals 2A1 and 2A2 are provided with a communication section 2B, a calculation section 2C, a display section 2D, an operation section 2E and a photographing section 2F. The communication unit 2B is a communication interface for communicating with other devices. The communication unit 2B is, for example, a communication device capable of mobile communication by a communication method such as LTE, 3G, 4G or 5G, and a server 3 connected to the network 5 via the network 5. , etc. (only the server 3 is shown in FIG. 2). Also, the communication unit 2B may include short-range wireless communication means such as Bluetooth (registered trademark). The calculation unit 2C controls the overall operations of the client terminals 2A1 and 2A2. Further, for example, when a management application is installed in the client terminal 2A1 or 2A2, the calculation unit 2C realizes various functions by executing a management application for managing accounts for prepaid cards. For example, when the management application is executed by the server 3, the calculation unit 2C implements various functions by receiving instructions from the server 3. FIG.

The display unit 2D is a display device provided in each of the client terminals 2A1 and 2A2. The display unit 2D is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence) display device. The operation unit 2E is an input device that receives operations for the screen display of the display units 2D of the client terminals 2A1 and 2A2. For example, when the client terminals 2A1 and 2A2 are smartphones or tablet terminals, the operation unit 2E is a touch panel provided integrally with the screen of the display unit 2D. Moreover, when the client terminals 2A1 and 2A2 are PCs, the operation unit 2E is, for example, a mouse or a keyboard.

The photographing unit 2F is a photographing device provided in each of the client terminals 2A1 and 2A2. When the client terminals 2A1 and 2A2 are smart phones, the imaging unit 2F is a photographic device having an image sensor, which is standardly installed in smart phones. Further, for example, when the client terminals 2A1 and 2A2 are tablet terminals or laptop PCs, the imaging unit 2F is a photographing device having an image sensor, which is standardly installed in the tablet terminal or laptop PC. . If the client terminals 2A1 and 2A2 are, for example, desktop PCs not equipped with a photographing device as standard equipment, the photographing unit 2F has an image sensor additionally connected to the desktop PC. It is a photographing device. A CMOS image sensor or a CCD image sensor can be used for the image sensor.

The calculation unit 2C includes a management screen display unit 20, an opening request transmission unit 21, a basic information acquisition unit 22, an invitation information generation unit 23, an output unit 24, a display control information acquisition unit 25, an approval confirmation screen display unit 26, and an approval confirmation result. A transmission unit 27 , a reading function activation unit 28 , and an identity verification complete information transmission unit 29 are provided. For example, by executing the management application for managing the prepaid card account, the calculation unit 2C executes the management screen display unit 20, the opening request transmission unit 21, the basic information acquisition unit 22, the invitation information generation unit 23, Functions of an output unit 24, a display control information acquisition unit 25, an approval confirmation screen display unit 26, an approval confirmation result transmission unit 27, a reading function activation unit 28, and an identity verification completed information transmission unit 29 are realized.

The management screen display unit 20 displays a management screen for managing existing prepaid card accounts on the display unit 2D. The management screen is provided by a management application for managing prepaid card accounts. For example, when the user A1 installs a management application on the client terminal 2A1, the user A1 operates the client terminal 2A1 to download the management application from the application purchase store and install it on the client terminal 2A1. When the management application is installed in the client terminal 2A1, the user A1 can register as a user for the prepaid card service provided by the information processing system 1 using the function provided by the management application. Further, when the user A1 logs in to the management application and uses the function provided by the management application to transmit the personal identification information to the server 3, the server 3 stores the prepaid card account used by the user A1. A prepaid card for the account is issued to the user A1. When an account used by user A1 is opened and a number identifying the issued prepaid card is entered into the management application installed in client terminal 2A1, the prepaid card is validated and the management application allows user A1 to prepaid. It becomes possible to provide a management screen for managing card accounts. That is, the management screen display unit 20 realized by executing the management application can display the management screen for managing the account on the display unit 2D. For example, the management screen includes an icon for accepting a request to open a shared account. When the user A1 operates the icon on the management screen using the operation unit 2E, the opening request transmission unit 21 is activated.

The opening request transmission unit 21 transmits a request for opening a shared account to the server 3 that performs prepaid card account opening processing based on the operation performed on the management screen. For example, when the opening request transmission unit 21 is activated based on an operation performed on the management screen, it generates a request for opening a shared account, and transmits the generated opening request to the server 3 via the network 5 by the communication unit 2B. Send to For example, an opening request from the client terminal 2A1 displaying a management screen provided by a management application for managing the prepaid card account used by the user A1 (hereinafter referred to as "user A1's request to open a shared account"). , the shared account opening request includes the identification information of the requesting user A1.

The basic information acquisition unit 22 acquires from the server 3 basic information for generating invitation information for opening a shared account. When the server 3 receives a shared account opening request from the user A1, the server 3 uses the identification information of the user A1 included in the opening request to generate a token used to generate the invitation information for opening the shared account, The generated token is sent to the client terminal 2A1. The basic information acquisition unit 22 acquires the token received by the communication unit 2B and outputs the acquired token to the invitation information generation unit 23 .

The invitation information generation unit 23 generates invitation information using the basic information based on the operation performed on the management screen. Information for accessing the server 3 is included in the invitation information. The information for accessing the server is, for example, a URL (Uniform Resource Locator) with parameters for accessing a service dedicated to opening a shared account with user A1 provided by the server 3, and the parameter is the communication unit 2B. contains the token received by Also, the information for accessing the server may be, for example, the token itself, that is, the basic information itself. The invitation information generation unit 23 generates invitation information in the form of a code image or a character string. For example, the invitation information generation unit 23 generates a QR code, which is a code image representing invitation information. Also, for example, the invitation information generation unit 23 may generate a one-dimensional barcode indicating the invitation information, or may generate a character string indicating the invitation information.

The output unit 24 outputs the invitation information in a form that can be used by an external terminal such as the client terminal 2A2. For example, when the invitation information generated by the invitation information generation unit 23 of the client terminal 2A1 is a code image such as a QR code, the output unit 24 of the client terminal 2A1 displays the invitation information on the display unit 2D of the client terminal 2A1. Output by doing. When the invitation information is the code image displayed on the display unit 2D of the client terminal 2A1, the client terminal 2A2 uses the imaging unit F of the client terminal 2A2 to display the code displayed on the display unit 2D of the client terminal 2A1. Images can be read.

Also, the output unit 24 may transmit the invitation information to the external terminal. For example, when the invitation information for opening a shared account by the user A1 is in the form of a code image or a character string, the output unit 24 of the client terminal 2A1 sends the invitation information to the client terminal 2A2, which is an external terminal, using the communication unit 2B. Send. The output unit 24 of the client terminal 2A1 can transmit the invitation information to the client terminal 2A2 via the network 5, for example, by e-mail, chat, or the like. Also, the communication unit 2B of the client terminal 2A1 may transmit the invitation information to the client terminal 2A2 using short-range wireless communication such as Bluetooth. The client terminal 2A2 that has acquired the invitation information transmitted from the client terminal 2A1 can read the invitation information as a code image or character string displayed on the display unit 2D of the client terminal 2A2 using a known reading technique. can.

The display control information acquisition unit 25 acquires from the server 3 display control information for displaying the approval confirmation screen for opening a shared account. When the server 3 determines that the identity of the user A2 has been verified in the process of opening the shared account of the users A1 and A2, the server 3 transmits display control information to the client terminals 2A1 and 2A2. The display control information in this case is control information for displaying an approval confirmation screen for opening a shared account on the display units 2D of the client terminals 2A1 and 2A2.

The approval confirmation screen display section 26 of each of the client terminals 2A1 and 2A2 displays the approval confirmation screen on each display section 2D based on the display control information. The approval confirmation screen displayed on the client terminal 2A1 used by the user A1 includes at least information on the user A2 who is invited to open a shared account. Further, the approval confirmation screen displayed on the client terminal 2A2 used by the user A2 includes at least information regarding the user A1 who is the inviter of opening a shared account. For example, information about user A1 includes text information indicating the name of user A1, and information about user A2 includes text information indicating the name of user A2. The user A1 refers to the information indicating the user A2 on the approval confirmation screen, and uses the operation unit 2E to determine whether or not to approve the opening of the shared account with the user A2. Similarly, the user A2 refers to the information indicating the user A1 on the approval confirmation screen, and uses the operation unit 2E to determine whether or not to approve the opening of the shared account with the user A1.

The approval confirmation result transmission unit 27 transmits to the server 3 information indicating whether or not to approve the opening of the shared account based on the operation performed on the approval confirmation screen. Approval confirmation screens displayed on the display units 2D of the client terminals 2A1 and 2A2 include, for example, an approval button (refer to the "to card issuance" column S7 in FIG. 8 described later) and a disapproval button (see FIG. 8 described later). (see S6), and users A1 and A2 can select these buttons to transmit approval information or disapproval information to the server 3. For example, when the user A1 approves opening a shared account with the user A2, the approval confirmation result transmission unit 27 of the client terminal 2A1 transmits approval information to the server 3 through the communication unit 2B. Similarly, when the user A2 approves opening a shared account with the user A1, the approval confirmation result transmission unit 27 of the client terminal 2A2 transmits approval information to the server 3 through the communication unit 2B.

The reading function activation unit 28 activates a reading function for reading invitation information based on an operation performed on the management screen. The reading function activated by the reading function activation unit 28 is, for example, a code image reading function using the imaging unit 2F. For example, when the client terminal 2A2 reads the invitation information as a QR code displayed on the display unit 2D of the client terminal 2A1, the reading function activation unit 28 of the client terminal 2A2 uses the operation unit 2E to read the management screen. The imaging unit 2F is activated based on the read operation performed, and the imaging unit 2F is made to read the QR code. Further, the reading function activated by the reading function activation unit 28 is, for example, a function of reading a code image or character string displayed on the display unit of the client terminal (hereinafter referred to as "display screen reading function"). For example, when the client terminal 2A2 reads the invitation information as a QR code displayed on the display unit 2D of the client terminal 2A1, the reading function activation unit 28 of the client terminal 2A2 uses the operation unit 2E to read the management screen. Based on the read operation performed, the display screen reading function is activated to read the QR code displayed on the display unit 2D of the client terminal 2A2.

When the invitation information is read using the reading function activated by the reading function activation unit 28, the identity-confirmed information transmitting unit 29 transmits information indicating that the identity of the user using the existing prepaid card has been confirmed. Send to server 3.
As described above, the reading function activation unit 28 activates the reading function by an operation performed on the management screen. Then, for example, when the client terminal 2A2 can display the management screen, it means that the user A2 who uses the client terminal 2A2 is also the user who uses the existing prepaid card account managed using the management screen. means that That is, in this case, the user who "uses an existing prepaid card" is user A2, and user A2 has already been verified. The management application can then recognize that the currently logged-in user is user A2. Therefore, the identity verification completion information transmitting unit 29 of the client terminal 2A2 can transmit to the server 3 a token indicating that the identity of the user A2 has been verified.

In this way, for example, when the imaging unit 2F of the client terminal 2A2 reads the invitation information as a QR code, the client terminal 2A2 accesses the server 3 based on the read information, 29 uses the communication unit 2B to transmit to the server 3 information indicating that the identity of the user A2 has been verified. Information indicating that the identity has been verified is transmitted in the form of a token, for example.

As a method for the client terminal 2A2 to access the server 3 based on the invitation information, as described above, there is a method for the client terminal 2A2 to read the invitation information as a code image or a character string. If the included information for accessing the server 3 is the basic information itself sent from the server 3 as described above, that is, the token itself, for example, the user A2 displays on the display unit 2D of the client terminal 2A2 There is also a method of accessing the server 3 by entering character information indicated by the token on the displayed dedicated screen.

FIG. 3 is a block diagram showing the configuration of the server 3. As shown in FIG. As shown in FIG. 3, the server 3 includes a communication section 3A, a calculation section 3B and a storage section 3C. The communication unit 3A communicates with the client terminal 2A1, the client terminal 2A2, or the shop terminal 4 via the network 5 (the shop terminal is not shown in FIG. 3). For example, the communication unit 3A can communicate via the network 5 with the client terminal 2A1 or 2A2 having the communication unit 2B, which is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G or 5G. is. The calculation unit 3B controls the overall operation of the server 3. FIG. The calculation unit 3B implements various functions by executing an account opening application for opening an account for a prepaid card.

The storage unit 3C stores an application for opening an account, and stores data used for arithmetic processing of the arithmetic unit 3B. The storage unit 3C stores identification information of user A1, identification information of user A2, the card number of prepaid card B1 used by user A1 in the shared account, the card number of prepaid card B2 used by user A2 in the shared account, and shared account identification information are stored in association with each other. When the server 3 executes a management application to provide the client terminals 2A1 and 2A2 with an account management function through the network 5, the storage unit 3C also stores the management application.

The calculation unit 3B includes a basic information transmission unit 31, a determination unit 32, a display control information transmission unit 33, and an account opening unit . The functions of the basic information transmission section 31, the determination section 32, the display control information transmission section 33, and the account opening section 34 are realized by the calculation section 3B executing the application for opening an account. The account opening application is activated in response to acquisition of an account opening request by the server 3 .

The basic information transmission unit 31 acquires a request for opening a shared account from a client terminal on which a management screen provided by a management application for managing accounts used by users is displayed, and generates invitation information for opening a shared account. Basic information for doing so is sent to the client terminal. For example, when the client terminal 2A1 can display a management screen for managing the account used by the user A1, it means that the user A1 using the client terminal 2A1 can use the management screen to manage the account. It means that the user is already using it. In this case, the user A1 is a verified user. For example, when the user A1 whose identity has been verified uses the client terminal 2A1 to make a request to open a shared account, the basic information transmission unit 31 receives the request to open a shared account from the client terminal 2A1. The communication unit 3A transmits a token for generating the invitation information for the client terminal 2A1 to the client terminal 2A1.

When the client terminal accesses the server 3 based on the invitation information, the determining unit 32 determines whether or not the user of the client terminal has been verified according to whether or not information indicating that the user of the client terminal has been verified is acquired. It is determined whether or not the For example, when the client terminal 2A2 accesses the server 3 based on the invitation information, the determination unit 32 determines whether the communication unit 3A has received a token indicating that the identity of the user A2 has been verified from the client terminal 2A2. It is determined whether or not the user A2 has been verified. The determination unit 32 determines that the identity of the user A2 has been verified when the token is received, and determines that the identity of the user A2 has not been verified when the token is not received.

When the determination unit 32 determines that the identity of the user A2 has been verified, the display control information transmission unit 33 transmits display control information for displaying an approval confirmation screen for opening a shared account to the client terminal 2A1 and the client terminal 2A2. do. For example, the storage unit 3C stores information about users whose identity has been verified. Therefore, when the users A1 and A2 have been verified as described above, information on each of the users A1 and A2 is stored in the storage unit 3C. When it is determined that the user A2 has been identified, the display control information transmission unit 33 generates display control information using the information regarding the user A1 and the information regarding the user A2 read from the storage unit 3C, and transmits the generated display control information. are transmitted to the client terminals 2A1 and 2A2 by the communication unit 3A.

The account opening unit 34 acquires personal identification information regarding the user A1, and performs processing for opening an account used by the user A1. Further, when the account opening unit 34 acquires approval information indicating approval for opening a shared account from both the client terminal 2A1 and the client terminal 2A2 on which the approval confirmation screen is displayed, the user A1 and the user A2 share the approval information. Open the shared account to be used. For example, when the account opening unit 34 opens a shared account shared by user A1 and user A2, the identification information of user A1, the identification information of user A2, and the prepaid card B1 used by user A1 in the shared account. number, the card number of the prepaid card B2 used by the user A2 in the shared account, and the identification information of the shared account are associated and stored in the storage unit 3C.

FIG. 4 is a block diagram showing a hardware configuration for realizing the functions of the client terminal 2A1 and the client terminal 2A2 or the server 3. As shown in FIG. For example, the functions of the client terminal 2A1 and the client terminal 2A2 are implemented by the computing section 2C. The computing unit 2C has a communication interface 100, an input/output interface 101, a processor 102, and a memory 103 as a hardware configuration. Management screen display unit 20 provided in calculation unit 2C, opening request transmission unit 21, basic information acquisition unit 22, invitation information generation unit 23, output unit 24, display control information acquisition unit 25, approval confirmation screen display unit 26, approval confirmation result Each function of the transmission unit 27, the reading function activation unit 28, and the personal identification completed information transmission unit 29 is realized by these hardware configurations.

The communication interface 100 outputs data received from the server 3 via the network 5 to the processor 102 and transmits data generated by the processor 102 to the server 3 via the network 5 by the communication unit 2B. The processor 102 controls the display of the display section 2D via the input/output interface 101 and acquires operation information from the operation section 2E.

When the management application is installed in the client terminal 2A1 or 2A2, the management screen display unit 20, the opening request transmission unit 21, the basic information acquisition unit 22, the invitation information generation unit 23, the output unit 24, the display control information acquisition unit 25, An application program (management application) for realizing each function of the approval confirmation screen display unit 26, the approval confirmation result transmission unit 27, the reading function activation unit 28, and the identity verification completed information transmission unit 29 is stored in the memory 103. . The memory 103 is, for example, a semiconductor memory installed in a smart phone.

When a management application is installed in client terminal 2A1 or 2A2, processor 102 executes a program loaded into memory 103 via input/output interface 101. FIG. Thereby, the processor 102 includes the management screen display unit 20, the opening request transmission unit 21, the basic information acquisition unit 22, the invitation information generation unit 23, the output unit 24, the display control information acquisition unit 25, the approval confirmation screen display unit 26, and the approval confirmation screen display unit 26. Each function of the confirmation result transmission unit 27, the reading function activation unit 28, and the person-identified-information transmission unit 29 is realized. The memory 103 is, for example, a RAM (Random Access Memory).

Also, the functions of the server 3 are realized by the calculation unit 3B. The computing unit 3B has a communication interface 100, an input/output interface 101, a processor 102, and a memory 103 as a hardware configuration, similarly to the computing unit 2C. Each function of the basic information transmission unit 31, the determination unit 32, the display control information transmission unit 33, and the account opening unit 34 provided in the calculation unit 3B is realized by these hardware configurations.

Communication interface 100 outputs data received from client terminal 2A1 or client terminal 2A2 via network 5 to processor 102 by communication unit 3A, and transmits data generated by processor 102 to client terminal 2A1 via network 5. Alternatively, it is transmitted to the client terminal 2A2. The processor 102 controls reading and writing of data with respect to the storage section 3C via the input/output interface 101 .

An application program (account opening application) for realizing each function of the basic information transmitting section 31 , the determining section 32 , the display control information transmitting section 33 , and the account opening section 34 is stored in the memory 103 . The memory 103 is, for example, a semiconductor memory included in a computer functioning as the server 3 . Processor 102 executes a program loaded from storage unit 3C to memory 103 via input/output interface 101 . As a result, the processor 102 implements the functions of the basic information transmitting section 31, the determining section 32, the display control information transmitting section 33, and the account opening section .

FIG. 5 is a timing chart showing opening of a prepaid card shared account according to the first embodiment. The first terminal in FIG. 5 is the client terminal 2A1, the second terminal in FIG. 5 is the client terminal 2A2, and the server in FIG. Furthermore, it is assumed that user A1 is an inviting user who invites user A2 to open a shared account, and user A2 is an invited user invited by user A1 to open a shared account.

In the client terminal 2A1, the opening request transmission unit 21 transmits a shared account opening request to the server 3 using the communication unit 2B based on the operation performed on the management screen using the operation unit 2E (step ST1 ). FIG. 6 is a screen diagram showing an overview of operations on the management screen 2D1 of the client terminal 2A1. The management screen display unit 20 of the client terminal 2A1 displays the management screen 2D1 on the display unit 2D. The management screen 2D1 is a screen for receiving various settings for managing accounts for prepaid cards. For example, when the user A1 uses the operation unit 2E to select and operate the "open a shared account" field S1 on the management screen 2D1, the opening request transmission unit 21 uses the communication unit 2B to request opening of a shared account. to the server 3.

When the server 3 receives the shared account opening request from the user A1, the server 3 uses the identification information of the user A1 included in the opening request to transfer the token used for generating the invitation information for opening the shared account to the client terminal 2A1. (step ST2). In the client terminal 2A1, the basic information acquisition unit 22 outputs the token acquired from the server 3 using the communication unit 2B to the invitation information generation unit 23. FIG. The management screen display unit 20 displays the management screen 2D2 on the display unit 2D when the opening request transmission unit 21 requests to open a shared account.

The management screen 2D2 is a screen for receiving operations related to opening a shared account, and is provided with, for example, a "display your QR code" column S3. For example, the user A1 uses the operation unit 2E of the client terminal 2A1 to operate the “display your QR code” field S3 on the management screen 2D2, so that the invitation information generation unit 23 The token is used to generate a QR code showing invitation information for opening a shared account.

The output unit 24 of the client terminal 2A1 outputs the invitation information generated by the invitation information generation unit 23 (step ST3). For example, as shown in FIG. 6, the output unit 24 of the client terminal 2A1 displays a small screen 2D3 including the QR code C indicating the invitation information on the management screen 2D2 on the display unit 2D of the client terminal 2A1.

In addition to the QR code C indicating the invitation information, the small screen 2D3 is provided with a "Send QR code as an image" field S4. The user A1 uses the operation unit 2E to operate the "Send QR code as an image" field S4 on the small screen 2D3, thereby inputting the information necessary to specify and transmit to the client terminal 2A2 (not shown). Via the screen, the output unit 24 uses the communication unit 2B to transmit an image including the QR code C to the client terminal 2A2. When the communication unit 2B of the client terminal 2A2 receives the image including the QR code C from the client terminal 2A1, the client terminal 2A2 displays the management screen 2D2 on the display unit 2D.

In the following, the operation of the above "Send QR code as an image" field S4 is not performed, and the small screen 2D3 including the QR code C indicating the invitation information is displayed on the management screen 2D2 on the display unit 2D of the client terminal 2A1. It shall be
Next, when the user A2 uses the operation unit 2E to operate the “read QR code” column S2 of the management screen 2D1 displayed on his/her own client terminal 2A2, the reading function activation unit 28 of the client terminal 2A2 starts shooting. The part 2F is activated and the QR code C is read.

FIG. 7 is a screen diagram showing an outline of reading the invitation information, and shows a case where the client terminal 2A2 directly reads the QR code C displayed on the client terminal 2A1. An image 2D4 processed by the image sensor of the imaging unit 2F is displayed on the display unit 2D of the client terminal 2A2, and a frame S5 is superimposed on the image 2D4. The imaging unit 2F directly reads the QR code C when the QR code C is positioned inside the frame S5.

Based on the acquired invitation information, the identity-confirmed information transmission unit 29 of the client terminal 2A2 accesses the server 3 using the communication unit 2B, and transmits to the server 3 information indicating that the identity of the user A2 has been confirmed. (step ST4). For example, in the client terminal 2A2, when the reading function provided by the management application reads the QR code indicating the invitation information, that is, the reading function activated by operating the "read QR code" field S2 on the management screen 2D1 reads the QR code, the identity verification complete information transmitting unit 29 is activated. Based on the URL included in the invitation information, the identity-verified information transmission unit 29 accesses the server 3 using the communication unit 2B and transmits to the server 3 information indicating that user A2 has been identity-verified. For example, the identity verification completion information transmitting unit 29 transmits to the server 3 a token indicating that the identity of the user A2 has been verified.

Here, the reading function activating unit 28 can activate the reading function by an operation performed on the management screen only when the identity has been verified. That is, when the client terminal 2A2 can display the management screen provided by the management application, it means that the user A2 using the client terminal 2A2 has already used the prepaid card account managed using the management screen. It means that you are also a user That is, in this case, user A2 has already been verified. Also, the management application can recognize that the logged-in user is user A2. Therefore, the identity verification completion information transmitting unit 29 of the client terminal 2A2 can transmit to the server 3 a token indicating that the identity of the user A2 has been verified.

It should be noted that when the operation in the above "Send QR code as an image" field S4 is performed and the invitation information is transmitted to the client terminal 2A2 using the communication unit 2B, the communication unit 2B of the client terminal 2A2 receives the invitation information. do. In this case as well, when the reading function is activated by an operation performed on the management screen and the invitation information is read, the identity-confirmed information transmission unit 29 of the client terminal 2A2 reads the invitation information based on the URL included in the invitation information. Then, the server 3 can be accessed using the communication unit 2B, and information indicating that the identity of the user A2 has been verified can be transmitted to the server 3. FIG.

On the other hand, the client terminal 2A2 can read invitation information such as a QR code output from the client terminal 2A1 by using a photographing function using the photographing unit 2F provided by an application other than the management application. In this case, the information indicating that the identity of user A2 has been confirmed is not immediately transmitted by the identity-confirmed information transmitting unit 29 based on the fact that the function provided by the management application is used.

As described above, when the invitation information is read using the shooting function using the shooting unit 2F provided by an application other than the management application, when the client terminal 2A2 tries to access the URL indicated by the invitation information, By the client terminal 2A2 converting the URL into a deep link and cooperating, the behavior on the client terminal 2A2 after that can be changed according to whether or not the management application has been installed on the client terminal 2A2. . In addition, since the deep link itself is a well-known technology, detailed description of the technology is omitted.

As a specific behavior, for example, when it is determined that the management application is not installed in the client terminal 2A2, the client terminal 2A2 accesses a server (not shown in FIG. 1) that manages the application purchase store, The download screen of the prepaid card management application is displayed. As a result, the user A2 is guided to download the management application and perform the personal identification procedure.
Then, the user A2 downloads and installs the management application on the client terminal 2A2 according to the guidance, registers as a user for the prepaid card service provided by the information processing system 1, and performs the personal identification procedure. It is possible to return to the procedures for opening a shared account with user A1.

Further, for example, when it is determined that the management application is installed in the client terminal 2A2, the management application is activated. When the management application is started with the user A2 logged in, the management screen display unit 20 displays the management screen, after which the management application can confirm whether or not the identity of the user A2 has been verified.

As a result of the confirmation, if the identity has been confirmed, the identity-confirmed information transmission unit 29 transmits to the server 3 information indicating that the user A2 has been identity-confirmed.
On the other hand, as a result of the above confirmation, if the identity has not been confirmed, the identity-confirmed information transmitting unit 29 transmits information indicating that the user logging in to the management application installed in the client terminal 2A2 has not been identity-confirmed. do. At this point, the identity of the user A2 has not been verified, so the server 3 is not sent information on whether or not the user logging into the management application is the user A2. In the following description, it is assumed that the user logging into the management application is user A2.

When the determination unit 32 of the server 3 acquires information indicating that the identity of the user A2 who has logged in to the management application has not been verified, it determines that the identity of the user A2 has not been verified. When the determination unit determines that the user A2 has not been verified, the display control information transmission unit 33 causes the client terminal 2A2 to display a guidance screen for guiding the user A2 to perform the verification procedure. Send display control information. The client terminal 2A2 sends information indicating that the identity of the user logged in to the management application has not been verified to the server 3 by the identity verification completion information transmission unit 29, and the above guidance is performed by the function of the management application itself. A screen may be displayed. In this case, the display control information for displaying the guidance screen is not transmitted from the server 3 . Then, after that, when the user A2 transmits the personal identification information to the server 3 according to the guidance of the guidance screen, the display control information transmission unit 33 acquires the personal identification information regarding the user A2 from the client terminal 2A2, Returning to the processing after step ST5 in FIG. 5, the client terminals 2A1 and 2A2 are sent display control information for displaying the approval confirmation screen for opening a shared account.

As described above, the management application has been started, but if the management application is started without the user A2 logging in, the management application displays the login screen. After that, when the user A2 logs in, the same processing as when the management application is started while logged in is performed.
Although the example in which the invitation information is in the form of a QR code has been shown so far, the invitation information may be in the form of a one-dimensional bar code or a character string. Regardless of the format of the invitation information, the client terminal 2A1 displays the invitation information on the display unit 2D of the client terminal 2A1 and outputs it, or transmits and outputs the invitation information to the client terminal 2A2. can do. In addition, the client terminal 2A2 utilizes a reading function provided by the management application or a reading function provided by an application other than the management application according to the format of the invitation information and the format of output of the invitation information by the client terminal 2A1. It may be possible to read the invitation information.

Further, when the client terminal 2A2 accesses the server 3 after a certain period of time has passed since the basic information (for example, token) was transmitted from the server 3 to the client terminal 2A1, the process of opening the shared account is canceled. . For example, the fixed time is one hour, and after one hour or more has passed since the server 3 sent the token to the client terminal 2A1, the client terminal 2A2 sends the server 3, the processing after transmission of information indicating that user A2 has been verified is interrupted. Even if the invitation information is illegally leaked, when the expiration date of the basic information passes, the process of opening the shared account is stopped, so that the invitation information can be prevented from being illegally used.
If the shared account opening process is canceled for the above reason, the display control information transmission unit 33 of the server 3 notifies the client terminals 2A1 and 2A2 that the shared account has been opened because a certain period of time has elapsed since the start of the shared account opening process. Display control information for displaying a screen indicating that the process has been canceled may be transmitted.

Next, when the display control information transmission unit 33 of the server 3 acquires the information indicating that the identity of the user A2 has been verified, which is received by the communication unit 3A, the client terminals 2A1 and 2A2 confirm approval of opening a shared account. Display control information for displaying the screen is transmitted (step ST5). The client terminal 2A1 displays the approval confirmation screen on the display unit 2D based on the display control information (step ST6-1), and the client terminal 2A2 displays the approval confirmation screen on the display unit 2D based on the display control information ( Step ST6-2).

FIG. 8 is a screen diagram showing an outline of approval processing using the approval confirmation screen 2D5 for opening a shared account. The approval confirmation screen display unit 26 of the client terminal 2A1 displays, for example, an approval confirmation screen 2D5 shown in FIG. 8 on the display unit 2D based on the display control information. The approval confirmation screen 2D5 includes information indicating that user A1 (Mr. A) is in the process of opening a shared account with user A2 (Mr. B). There is provided a column S6 with a description and a column S7 with a description of "to card issuance".

When the user A1 operates the "Cancel shared account opening" field S6 using the operation unit 2E, the approval confirmation screen display unit 26 displays the small screen P1 on the approval confirmation screen 2D5. The small screen P1 is a screen for confirming the cancellation of account opening, and is provided with an "execute" button S8 and a "cancel" button S9. Subsequently, when the user A1 operates the "execute" button S8 using the operation unit 2E, the approval confirmation result transmission unit 27 of the client terminal 2A1 transmits to the server 3 information indicating that the opening of the shared account is not approved (hereinafter " “Disapproval Information”). When the server 3 acquires the disapproval information from the approval confirmation result transmission unit 27 of the client terminal, it stops the process of opening the shared account, and the display control information transmission unit 33 of the server 3 sends the shared account display control information for displaying a screen indicating that the opening process of the has been canceled. The client terminal 2A1 that has acquired this display control information displays, for example, a screen 2D6 including the small screen P2 on the display section 2D. The small screen P2, as shown in FIG. 8, is a screen indicating that the opening of the shared account has been cancelled. On the other hand, the client terminal 2A2 that has acquired the above display control information also displays a screen indicating that the opening of the shared account has been canceled, for example, "Opening of the shared account has been canceled. Canceled by the other party." A screen (not shown) containing the message is displayed on the display unit 2D.

The user A1 uses the operation unit 2E to operate the "to card issuance" field S7 on the approval confirmation screen 2D5, or operates the "cancel" button S9 on the small screen P1 and "cancel card" on the approval confirmation screen 2D5. When the "to issuance" field S7 is operated, the approval confirmation result transmission unit 27 of the client terminal 2A1 transmits to the server 3 the approval information indicating that the user A1 has approved the opening of the shared account with the user A2 (step ST7- 1). Similarly, when user A2 approves opening a shared account with user A2, the approval confirmation result transmission unit 27 of client terminal 2A2 transmits approval information indicating that user A2 has approved opening a shared account with user A1 to the server. 3 (step ST7-2).

When the account opening section 34 of the server 3 acquires the approval information from both the client terminals 2A1 and 2A2, it opens a shared account shared by the users A1 and A2 (step ST8). For example, the account opening unit 34 uses user A1's identification information, user A2's identification information, the card number of the prepaid card B1 used by user A1 in the shared account, and user A2 in the shared account as the shared account information of users A1 and A2. and the identification information of the shared account are associated with each other and stored in the storage unit 3C.

In addition, the display control information transmitting unit 33 transmits to the client terminals 2A1 and 2A2 display control information for displaying a screen indicating that the shared account has been opened. In the client terminals 2A1 and 2A2, the approval confirmation screen display unit 26 displays a screen indicating that the shared account has been opened on the display unit 2D based on the display control information. FIG. 9 is a screen diagram showing completion of establishment of a shared account. For example, the client terminal 2A1 displays a screen 2D7 indicating that the shared account has been opened on the display unit 2D. The screen 2D7 indicates to user A1 (Mr. A) that the shared account with user A2 (Mr. B) has been opened.

In the shared account opening process, the server 3 issues new prepaid cards to be used in the shared account to each of the users A1 and A2. For example, when the server 3 acquires the approval information, the server 3 inquires of the client terminal 2A1 and the client terminal 2A2 about the delivery destination information and PIN (Personal Identification Number) setting, and notifies the shipping date of the prepaid card.
The delivery destination information is information indicating the delivery destination of the prepaid card, and is the address of the user of the prepaid card. The PIN is a 4- to 8-digit number individually set by the user and associated with the prepaid card by the server 3 . The PIN is used for personal authentication within the client terminal or personal authentication when using a prepaid card at an ATM.
After prepaid cards B1 and B2 of the shared account are shipped to users A1 and A2, respectively, users A1 and A2 enter numbers identifying their respective prepaid cards using management applications executed by client terminals 2A1 and 2A2. This activates the prepaid card. The processing up to this point is the processing for issuing a prepaid card.

Also, the prepaid card used in the shared account is either a real card or a virtual card installed in the client terminal 2A1 or 2A2 as an application program, or both. If the prepaid card is a virtual card, the server 3 may validate the prepaid card immediately after obtaining approval information from both client terminals 2A1 and 2A2 and opening a shared account.

Further, the account opening unit 34 either performs both the processing of opening a shared account shared by users A1 and A2 and the processing of opening a personal account used only by user A2, or the processing of opening a personal account used only by user A1 and user A2. Only the process of opening a shared account for shared use may be performed.
For example, if user A2 has not opened a personal account when user A1 makes a request to open a shared account, the display control information transmitting unit 33, in addition to the display control information for displaying the approval confirmation screen, Display control information for displaying a screen for selecting whether or not to open a personal account together with a shared account is transmitted to the client terminal 2A2.
When the account opening unit 34 acquires the approval information from both the client terminal 2A1 and the client terminal 2A2, and acquires from the client terminal 2A2 the selection result information indicating that the personal account is to be opened together with the shared account, the selection result information Accordingly, processing for opening a shared account shared by users A1 and A2 and processing for opening a personal account used only by user A2 are performed. In this case, user A2 is issued both a prepaid card B1 for shared account and a prepaid card for personal account used only by user A2.
Further, when the account opening unit 34 acquires the selection result information indicating that the personal account is not to be opened together with the shared account from the client terminal 2A2, the account opening unit 34 performs only the process of opening the shared account shared by the users A1 and A2. .

FIG. 10 is a screen diagram showing an example of use of the shared account, showing how the display screen of the display unit 2D of the client terminal 2A1 changes from the left screen to the right screen in order. It is assumed that user A1 has opened both a shared account and a personal account.
The screen 2D8 on the left is a commercial transaction history list screen relating to shared accounts shared by users A1 and A2. In the commercial transaction history list shown on the screen 2D8, information on the prepaid card used for settlement of the commercial transaction history is displayed for each commercial transaction history, and the commercial transaction history by the prepaid card of user A1 and the commercial transaction history by the prepaid card of user A2 are displayed. displayed in a distinguishable manner. For example, the screen 2D8 displays, for each commercial transaction history, an icon AP1 or AP2 indicating the owner of the prepaid card, which is information on the owner of the prepaid card, as information on the prepaid card used for settlement of the commercial transaction history.

For example, an icon AP is displayed on the upper part of the screen 2D8. The icon AP indicates that the account whose commercial transaction history list is currently displayed is a shared account, and the users of the prepaid card for the shared account are user A1 indicated by icon AP1 and user A2 indicated by icon AP2. there is When the icon AP is operated using the operation unit 2E, an account switching screen P3 is displayed on the screen 2D8 as shown in FIG. An icon P31 representing a personal account and an icon P32 representing a shared account are displayed on the account switching screen P3.

For example, when the icon P31 indicating the personal account is operated using the operation unit 2E, as shown in FIG. 10, the screen is switched to the screen 2D9 showing the commercial transaction history list for the personal account. At this time, an icon AP1 is displayed, for example, at the top of the screen 2D9. Icon AP1 indicates that the account whose commercial transaction history list is currently displayed is the personal account of the owner (user A1) indicated by icon AP1.

So far, the case of opening shared accounts for users A1 and A2 has been shown, but the server 3 may open shared accounts for three or more users. In this case as well, it is assumed that the user who requests to open a shared account is a user who has registered for the prepaid card service provided by the information processing system 1 and whose identity has been verified.

Also, so far, the server 3 issues the prepaid cards B1 and B2 for the shared accounts of the users A1 and A2 after acquiring the approval information from both the client terminals 2A1 and 2A2. On the other hand, the server 3 may issue a prepaid card B1 for at least the shared account of the user A1 by obtaining a shared account opening request from the client terminal 2A1. Hereinafter, the information processing system 1 including the server 3 that performs such processing will be referred to as a "modification of the first embodiment".

The account opening unit 34 of the modification of the first embodiment acquires a request to open a shared account for use by the users A1 and A2 from the client terminal 2A1 used by the user A1, and performs processing for opening a shared account. . In the modified example of Embodiment 1, the user A1 uses the client terminal 2A1 to transmit a shared account opening request to the server 3, and when the server 3 receives the opening request from the client terminal 2A1, the account opening unit 34 , the shared account opening process including the issuance of prepaid cards B1 and B2 for the shared account of user A1 and user A2. The shared account opened by the account opening unit 34 is an account different from the existing personal account and the existing shared account used by user A1.
In the modified example of Embodiment 1, even if user A1 does not have an existing personal account or an existing shared account, user A1 can open only a new shared account. If the user A1 does not have an existing account, the user A1 has not been verified. When a user A1 whose identity has not been verified tries to open a shared account, the user A1 uses the client terminal 2A1 to request the opening of a shared account and, for example, through eKYC procedures, the identity verification information about the user A1 is sent to the server. Send to 3. The account opening unit 34 acquires an opening request and personal identification information from the client terminal 2A1, and performs processing for opening a shared account.

The account opening unit 34 may acquire from the client terminal 2A1, along with a request for opening a shared account, specific information for identifying the user A2. When the user A1 intends to open a shared account with a specific user A2, the user A1 uses the client terminal 2A1 to transmit specific information for specifying the user A2 to the server 3 . The specific information includes at least the name of user A2.
Further, the account opening unit 34 may acquire, as the specific information, the personal identification number of the prepaid card B2 for the shared account to be used by the user A2 in addition to the name of the user A2. Using the client terminal 2 A 1 , the user A 1 specifies the personal identification number of the prepaid card B 2 in addition to the user A 2 name, and transmits it to the server 3 . In this case, the specific information includes the name and password of user A2.

When the account opening unit 34 starts the process of opening a shared account, a shared account prepaid card B1 is issued for user A1, and a shared account prepaid card B2 is issued for user A2. As described above, the prepaid card to be issued is either a real card or a virtual card, or both, but in the modified example of Embodiment 1, at least the prepaid card B2 is a real card. Here, prepaid cards B1 and B2 are both real cards. Both prepaid cards B1 and B2 are delivered to user A1. Prepaid cards B1 and B2 are not activated when issued.

The account opening unit 34 assigns unique card numbers to the prepaid cards B1 and B2 as numbers identifying the respective prepaid cards. The given card number is written on the surface of each prepaid card. For example, the card number is written on the side opposite to the side with the design indicating the type of prepaid card. The account opening unit 34 receives the card number of the prepaid card B1, the identification information of the user A1, the card number of the prepaid card B2, the name of the user A2 included in the specific information, or the name and password of the user A2 included in the specific information, and , is associated with the identification information of the shared account being opened and stored in the storage unit 3C.

When the prepaid cards B1 and B2 arrive, the user A1 can validate the prepaid card B1 for the user A1 using the client terminal 2A1. In addition, user A1 passes prepaid card B2 to user A2 by a method such as hand-delivery. When the identification number is included in the specific information, the user A1 gives the card to the user A2 and informs the user A2 of the identification number by any method.
When the user A2 hands over the prepaid card B2, the user A2 accesses the server 3 using the client terminal 2A2 in order to validate the prepaid card B2. For example, a management application is pre-installed in the client terminal 2A2, and the client terminal 2A2 can access the server 3 when the user A2 operates the management application.

The user A2, for example, inputs the card number as the number specifying the prepaid card B2 to the activation screen provided by the management application installed in the client terminal 2A2. Alternatively, if the specific information includes a personal identification number, user A2 enters the card number and personal identification number on the activation screen. The activation screen is an operation screen for activating the prepaid card before activation. The activation screen is also displayed by the management application when a user whose identity has not been verified uses the management application.
The client terminal 2A2 accesses the server 3 when the card number of the prepaid card B2 or the card number and the personal identification number are input to the client terminal 2A2. In addition, the client terminal 2A2 transmits to the server 3 information indicating that the card number has been entered on the activation screen (hereinafter referred to as "number input information"). The number input information also includes the card number of the prepaid card B2.

When the client terminal 2A2 accesses the server 3, the determination unit 32 determines whether or not the identity of the user A2 has been verified according to whether information indicating that the identity of the user A2 has been verified has been obtained from the client terminal 2A2. judge.
When the determination unit 32 acquires information indicating that the identity of the user A2 has been verified from the client terminal 2A2, the determination unit 32 determines that the identity of the user A2 has been verified. On the other hand, when the determination unit 32 acquires information indicating that the identity of the user A2 has not been verified from the client terminal 2A2, it determines that the identity of the user A2 has not been verified. When the determination unit 32 determines that the user A2 has not been verified, for example, the display control information transmission unit 33 causes the client terminal 2A2 to display a guidance screen that guides the user A2 to perform the identity verification procedure. Display control information is transmitted, and user A2 transmits personal identification information to the server 3 according to guidance on the guidance screen. When the personal identification information is transmitted from the client terminal 2A2 to the server 3, the determination unit 32 determines that the user A2 has been identified.

When the determining unit 32 determines that the identity of the user A2 has been verified, the display control information transmitting unit 33 transmits to the client terminal 2A1 display control information for displaying an approval confirmation screen for activating the prepaid card B2. do. Since the server 3 stores the identification information of the user A1 in the storage unit 3C in association with the card number of the prepaid card B2, the display control information transmission unit 33 receives the number input information acquired from the client terminal 2A2. User A1 can be identified based on the card number received.
The display control information transmitting unit 33 may transmit to the client terminal 2A2 display control information for including information indicating the user A2, such as the name of the user A2, on the approval confirmation screen. When user A2 has been verified, for example, the storage unit 3C of the server 3 stores information such as a name (full name) as identification information of user A2. Information indicating A2 can be obtained from the storage unit 3C.

When the account opening unit 34 acquires the approval information indicating that the activation is approved from the client terminal 2A1 on which the approval confirmation screen is displayed, the account opening unit 34 enables the activation of the prepaid card B2 for the shared account used by the user A2. . Here, the account opening unit 34 validates the prepaid card B2 upon acquiring the approval information. On the other hand, when the account opening unit 34 acquires the disapproval information indicating that the activation is not approved from the client terminal 2A1 on which the approval confirmation screen is displayed, the prepaid card B2 cannot be activated, and the display control information transmitting unit 33 , to the client terminal 2A2, display control information for displaying a screen indicating that activation is not performed.

Further, when the server 3 acquires the number input information from the client terminal 2A2, before transmitting the display control information for displaying the approval confirmation screen for activating the prepaid card B2 to the client terminal 2A1, the client terminal 2A2: Display control information may be transmitted to display information indicating the user A1 who has requested the opening of the shared account with the identification number associated with the card number of the prepaid card B2. A validation continuation button and a validation stop button are displayed on the screen displaying the information indicating the user A1. For example, if the user A2 is not the intended partner of the user A1, the user A2 can cancel the activation by operating the activation cancel button. On the other hand, for example, if the user A2 is the intended partner of the user A1, the activation can be continued by operating the activation continuation button. The client terminal 2A2 transmits to the server 3 operation information indicating that the validation continuation button or the validation stop button has been operated.
It should be noted that, in the modified example of the first embodiment described above, it is not essential for the account opening unit 34 to acquire the specific information that identifies the user A2.

In the modification of the first embodiment described above, after the user A2 has entered the card number on the activation screen, the determination unit 32 determines whether or not the identity has been verified. The determination unit 3 may determine whether or not the person has been verified before entering the card number on the activation screen.
In this case, the activation screen is, for example, displayed by the management application only when a user whose identity has been verified uses the management application.
When the client terminal 2A2 accesses the server 3, the determination unit 32 first determines whether the identity of the user A2 has been verified according to whether information indicating that the identity of the user A2 has been verified has been obtained from the client terminal 2A2. determine whether The determination procedure by the determination unit 32 is the same as that of the above-described modification of the first embodiment.

When the determining unit 32 determines that the user A2 has been verified, the server 3 transmits to the client terminal 2A2 control information for enabling the activation screen on the management screen of the client terminal 2A2. This enables the user A2 to use the activation screen from the management screen of the client terminal 2A2. For example, on the management screen of the client terminal 2A2 that has acquired the control information for making the activation screen available, a button labeled "card activation" is displayed, and the user A2 selects the button. In the activation screen displayed by pressing, an operation for activating the prepaid card B2 can be performed.

User A2 inputs a card number as a number specifying prepaid card B2 on the activation screen. Alternatively, if the specific information includes a personal identification number, user A2 enters the card number and personal identification number on the activation screen. When the card number of the prepaid card B2 or the card number and the personal identification number are input to the client terminal 2A2, the client terminal 2A2 transmits the number input information to the server 3. FIG.
When the server 3 acquires the number input information from the client terminal 2A2, the display control information transmitting unit 33 transmits to the client terminal 2A1 display control information for displaying an approval confirmation screen for activation of the prepaid card B2.

When the account opening unit 34 acquires the approval information indicating that the activation is approved from the client terminal 2A1 on which the approval confirmation screen is displayed, the account opening unit 34 enables the activation of the prepaid card B2 for the shared account used by the user A2. . Here, the account opening unit 34 validates the prepaid card B2 upon acquiring the approval information. On the other hand, when the account opening unit 34 acquires the disapproval information indicating that the activation is not approved from the client terminal 2A1 on which the approval confirmation screen is displayed, the prepaid card B2 cannot be activated, and the display control information transmitting unit 33 , to the client terminal 2A2, display control information for displaying a screen indicating that activation is not performed.

Further, when the server 3 acquires the number input information from the client terminal 2A2, before transmitting the display control information for displaying the approval confirmation screen for activating the prepaid card B2 to the client terminal 2A1, the client terminal 2A2: Display control information may be transmitted to display information indicating the user A1 who has requested the opening of the shared account with the identification number associated with the card number of the prepaid card B2. A validation continuation button and a validation stop button are displayed on the screen displaying the information indicating the user A1. For example, if the user A2 is not the intended partner of the user A1, the user A2 can cancel the activation by operating the activation cancel button. On the other hand, for example, if the user A2 is the intended partner of the user A1, the activation can be continued by operating the activation continuation button. The client terminal 2A2 transmits to the server 3 operation information indicating that the validation continuation button or the validation stop button has been operated.

Furthermore, in the modification of the first embodiment, after the user A2 has entered the card number of the prepaid card B2 on the activation screen, the display control information transmission unit 33 sends the client terminal 2A1 an activation request for the prepaid card B2. In the embodiment, the display control information for displaying the approval confirmation screen is transmitted, but instead of this, the display control information transmission unit 33 sends the client Display control information for displaying an approval confirmation screen for activation of the prepaid card B2 on the terminal 2A1 may be transmitted.
In this case, after the server 3 acquires approval information indicating that the prepaid card B2 is to be validated from the client terminal 2A1 on which the approval confirmation screen is displayed, the server 3 displays the activation screen of the client terminal 2A2. It is displayed by the management application only when the control information for making the activation screen on the management screen available is transmitted to the client terminal 2A2.

When the client terminal 2A2 accesses the server 3, the determination unit 32 first determines whether the identity of the user A2 has been verified according to whether information indicating that the identity of the user A2 has been verified has been obtained from the client terminal 2A2. determine whether or not The determination procedure by the determination unit 32 is the same as that of the above-described modification of the first embodiment.

For example, when the determination unit 32 determines that the identity of the user A2 has been verified, the display control information transmission unit 33 of the server 3 causes the client terminal 2A1 to display an approval confirmation screen for activation of the prepaid card B2. display control information.
As described above, the name of the user A2 included in the specific information is associated with the identification information of the user A1, the card number of the prepaid card B2, the identification information of the shared account being opened, and the like in the storage unit 3C. are stored. Therefore, by accessing the storage unit 3C, the server 3 determines whether the name of the user A2 included in the personal identification information regarding the user A2 is stored in the storage unit 3C as the name of the user A2 included in the specific information. If the name of the user A2 is stored in the storage unit 3C, the identification information of the user A1 stored in association with the name of the user A2 is specified, and the display control information transmission unit 33 transmits the information to the client terminal 2A1. , display control information for displaying an approval confirmation screen for activation of the prepaid card B2 can be transmitted.

When the account opening unit 34 acquires the approval information indicating that the activation is approved from the client terminal 2A1 on which the approval confirmation screen is displayed, the account opening unit 34 enables the activation of the prepaid card B2 for the shared account used by the user A2. . Here, when acquiring the approval information from the client terminal 2A1, the account opening section 34 stores the approval information in the storage section 3C in association with the card number of the prepaid card B2. Further, when the account opening unit 34 acquires the above-described approval information, the server 3 transmits to the client terminal 2A2 control information for enabling the activation screen on the management screen of the client terminal 2A2. This enables the user A2 to use the activation screen from the management screen of the client terminal 2A2.

User A2 inputs a card number as a number specifying prepaid card B2 on the activation screen. Alternatively, if the specific information includes a personal identification number, user A2 enters the card number and personal identification number on the activation screen. When the card number of the prepaid card B2 or the card number and the personal identification number are input to the client terminal 2A2, the client terminal 2A2 transmits the number input information to the server 3. FIG.
When the server 3 acquires the number input information from the client terminal 2A2, the account opening unit 34 associates the card number indicated by the number input information with the approval information stored in the storage unit 3C in association with the card number of the prepaid card B2. Based on this, the prepaid card B2 is validated.

Further, when the server 3 acquires the approval information from the client terminal 2A1, the server 3 transmits control information for making the activation screen on the management screen of the client terminal 2A2 available to the client terminal 2A2, or while transmitting the control information to the client terminal 2A2. , to the client terminal 2A2, display control information for displaying information indicating the user A1 who has requested the opening of the shared account with the identification number associated with the card number of the prepaid card B2 may be transmitted. A validation continuation button and a validation stop button are displayed on the screen displaying the information indicating the user A1. For example, if the user A2 is not the intended partner of the user A1, the user A2 can cancel the activation by operating the activation cancel button. On the other hand, for example, if the user A2 is the intended partner of the user A1, the activation can be continued by operating the activation continuation button. The client terminal 2A2 transmits to the server 3 operation information indicating that the validation continuation button or the validation stop button has been operated.

Note that in the modification of Embodiment 1, the basic information transmission unit 31 in the server 3 is not essential, and the basic information acquisition unit 22, the invitation information generation unit 23, and the invitation information output unit 24 in the client terminal 2A1 are essential. isn't it.

In the modified example of Embodiment 1 described above (hereinafter referred to as "modified example 1"), when it is determined that the user A2 has been verified, the display control information transmitting unit 33 sends the user A2 to the client terminal 2A1. This is to transmit display control information for displaying an approval confirmation screen for activating the prepaid card B2 for the shared account. On the other hand, the server 3 may be configured not to transmit the display control information described above to the client terminal 2A1. Hereinafter, the modified example of the first embodiment in this case will be referred to as "modified example 2".

In Modified Example 2, the account opening unit 34 obtains from the client terminal 2A1 used by the user A1 a request to open a shared account for use by the users A1 and A2, and specific information that identifies the user A2, A shared account opening process including issuance of prepaid cards B1 and B2 for shared accounts of user A1 and user A2 is performed. After that, as in Modification 1, user A1 hands prepaid card B2 to user A2, user A2 enters the card number of prepaid card B2, etc. on the activation screen, and sends it to server 3 using client terminal 2A2. Accessing, the client terminal 2A2 transmits the number input information to the server 3. FIG.

Here, in Modified Example 2, when the client terminal 2A2 accesses the server 3, the determination unit 32 determines whether or not information indicating that the identity of the user A2 has been verified has been obtained from the client terminal 2A2. Determining whether or not the identity of A2 has been verified, and comparing the specific information with the identity verification information regarding user A2 to determine whether prepaid card B2 for the shared account used by user A2 can be validated. judge.

When the server 3 is accessed from the client terminal 2A2, the procedure by which the determining unit 32 of the modified example 2 determines whether or not the identity of the user A2 has been verified is the same as that of the modified example 1. FIG. The determination unit 32 of Modification 2 determines whether or not the identity of the user A2 has been verified, and compares the identification information about the user A2 with the identification information. , it is determined that the second card can be validated when the name of the user A2 included in the identity verification information matches. In addition, the determination unit 32 collates the specific information about the user A2 with the identity verification information, and for example, the name of the user A2 included in the specific information and the name of the user A2 included in the identity verification information match. If not, it is determined that the second card cannot be activated.

If it is determined that the identity of the user A2 has been verified and that the prepaid card B2 for the shared account used by the user A2 can be validated, the account opening unit 34 opens the prepaid card B2 for the shared account used by the user A2. to validate the prepaid card B2.

In Modification 2, the basic information transmitting unit 31 in the server 3 is not essential. The unit 25, the approval confirmation screen display unit 26, and the approval confirmation result transmission unit 27 are not essential.

Further, in the above-described modified example 1, when the account opening unit 34 acquires a request for opening a shared account, it issues a shared account prepaid card B1 for user A1, and issues a shared account prepaid card B2 for user A2. was issued. On the other hand, the account opening unit 34 may first issue only the prepaid card B1 for the shared account for the user A1 when it acquires the request for opening the shared account. The account opening unit 34 issues a prepaid card B2 to an arbitrary user A2 invited as an additional user to the shared account by the user A1 at an arbitrary timing thereafter. Hereinafter, the modified example of the first embodiment in this case will be referred to as "modified example 3".

The account opening unit 34 of Modification 3 acquires a request to open a shared account for use by users A1 and A2 from the client terminal 2A1 used by user A1, and starts processing to open a shared account. However, unlike the account opening unit 34 of Modification 1 or Modification 2, the account opening unit 34 of Modification 3 acquires from the client terminal 2A1 a shared account opening request and specific information identifying user A2. I don't do that. In other words, user A2 is not specified at the time when the shared account opening process is started. Further, when the account opening unit 34 of Modification 3 starts the process of opening the shared account, first, only the user A1 issues a prepaid card B1 that allows settlement from the shared account.

In Modified Example 3, the client terminal 2 A 1 has a function of receiving an operation by the user A 1 and transmitting a user addition request to the server 3 . The user A1 can transmit a user addition request to the server 3 using the management screen of the client terminal 2A1 at any timing after the shared account opening process is started. When the server 3 acquires the user addition request from the client terminal 2A1, the server 3 transmits basic information for generating invitation information to the client terminal 2A1. This basic information and invitation information are the same information as the basic information and invitation information when a shared account opening request is obtained from the client terminal 2A1 in the above-described first embodiment, which is not a modified example. For example, the basic information is unique information issued for each user addition request, and includes information indicating that the user A1 has made a user addition request to the shared account. In addition, the invitation information generated by the client terminal 2A1 using the basic information includes information for accessing a specific URL provided by the server 3, and is in the form of a code image or a character string. generated.

The client terminal 2A2 receives an operation from the user A2 and accesses the server 3 based on the invitation information. The server 3 may, for example, cancel the user addition process for access after a certain period of time has passed since the basic information was sent to the client terminal 2A1. The processing of the determination unit 32 after the access from the client terminal 2A2 based on the invitation information is the same as that of the first modification. That is, when the determination unit 32 acquires information indicating that the user A2 has been verified from the client terminal 2A2, the determination unit 32 determines that the user A2 has been verified. When the information indicating that there is no user A2 is obtained, it is determined that the identity of the user A2 has not been verified. In the latter case, the server 3 causes the client terminal 2A2 to display a guidance screen, and when the identity verification information is transmitted from the client terminal 2A2 to the server 3, the determination unit 32 determines that the identity of the user A2 has been verified. do.

When the determination unit 32 determines that the identity of the user A2 has been verified, the display control information transmission unit 33 causes the client terminal 2A1 to display an approval confirmation screen for issuance and activation of the prepaid card B2 for the shared account used by the user A2. to display the display control information.

When the account opening unit 34 acquires approval information indicating approval for issuance and activation of the prepaid card B2 from the client terminal 2A1 on which the approval confirmation screen is displayed, the account opening unit 34 first obtains the prepaid card for the shared account used by the user A2. B2 is issued.

For example, if the prepaid card B2 is a real card, the server 3 performs processing for issuing the prepaid card B2, and associates the approval information acquired from the client terminal 2A1 with the card number given to the prepaid card B2, and stores it in the storage unit. Store in 3C. After that, in order to activate the prepaid card B2 delivered to user A2, user A2 inputs the card number on the activation screen displayed on client terminal 2A2, and when server 3 acquires the number input information, an account is opened. The unit 34 validates the prepaid card B2 based on the approval information stored in the storage unit 3C in association with the card number indicated by the number input information.
Further, for example, when the prepaid card B2 is a virtual card, the account opening unit 34 issues the prepaid card B2 as a virtual card to the client terminal 2A2 based on the approval information acquired from the client terminal 2A1, and immediately to activate.

When the account opening unit 34 acquires disapproval information indicating disapproval of the issuance and activation of the prepaid card B2 from the client terminal 2A1 on which the approval confirmation screen is displayed, the account opening unit 34 does not issue and activate the prepaid card B2. The display control information transmitting unit 33 transmits to the client terminal 2A2 display control information for displaying a screen indicating that the prepaid card B2 will not be issued or validated.

Further, when the server 3 acquires the number input information from the client terminal 2A2, before transmitting the display control information for displaying the approval confirmation screen for the issuance and activation of the prepaid card B2 to the client terminal 2A1, the client terminal 2A2 , display control information for displaying information indicating the user A1 who made the user addition request may be transmitted. A button for canceling the issuance and validation of the prepaid card B2 is displayed on the screen displaying the information indicating the user A1. For example, when the user A1 is not the intended partner, the user A2 can cancel the issuance and validation of the prepaid card B2 by operating the cancel button.

Note that the account opening unit 34 of Modification 3 provides prepaid card B2 to arbitrary user A2 invited by user A1 as an additional user to the shared account at an arbitrary timing after the shared account opening process is started. can be issued, in Modification 3, the number of users added to the shared account can be any number of two or more.
Further, in Modification 3, the client terminal 2 A 1 needs a user addition request transmission unit (not shown) in order to transmit the user addition request to the server 3 .

As described above, the server 3 according to the first embodiment acquires a request for opening a shared account from the client terminal 2A1, and the client terminal 2A1 receives basic information for generating invitation information for opening a shared account from the client terminal 2A1. and determines whether or not the user A2 has been verified according to whether or not information indicating that the user A2 has been verified has been obtained from the client terminal 2A2. When the display control information is transmitted to the client terminals 2A1 and 2A2, and the approval information is obtained from both the client terminals 2A1 and 2A2 on which the approval confirmation screen is displayed based on the display control information, the shared account of the users A1 and A2 is obtained. is opened. With such a server 3, the user A1 whose identity has been verified uses the client terminal 2A1 to request the server 3 to open a shared account, generate invitation information, and approve the opening of the shared account. A2 uses the client terminal 2A2 to access the server based on the invitation information and approve the opening of the shared account, thereby opening the shared account of the users A1 and A2. As a result, when each user confirms the other party with whom the shared account is to be opened on the approval screen, each user has already been verified. is guaranteed. Therefore, the server 3 can provide a procedure for easily opening a shared account between intended users.

In the server 3 according to Embodiment 1, the account opening unit 34 issues a prepaid card for using the shared account to each of the users A1 and A2 in the process of opening the shared account. Therefore, the server 3 can issue a prepaid card that can be used with a shared account opened by a simple procedure to each user who shares and uses the shared account.

In the server 3 according to Embodiment 1, the basic information transmission unit 31 transmits basic information including information indicating that the user A1 has requested to open a shared account to the client terminal 2A1. Therefore, the server 3 can cause the client terminal 2A1 to generate invitation information for accessing a service dedicated to opening a shared account with the user A1, and allows the client terminal 2A2 to appropriately access the service based on the invitation information. can be made

In the server 3 according to the first embodiment, when the server 3 is accessed from the client terminal 2A2 after a certain period of time has passed since the basic information was sent to the client terminal 2A1, the process of opening the shared account is canceled. do. Therefore, even if the invitation information is illegally leaked, the server 3 stops the process of opening the shared account when the expiration date of the basic information passes, so that the invitation information can be prevented from being illegally used. .

In the server 3 according to the first embodiment, the account opening unit 34 performs opening processing of opening a shared account as an account different from the existing account used by the user A1 and the user A2. Therefore, the server 3 can open a new shared account as a shared account for use by a user whose identity has been verified who has an existing personal account or a shared account.

In the server 3 according to the first embodiment, when the determination unit 32 determines that the user A2 has not been verified, the display control information transmission unit 33 sends the client terminal 2A2 to the client terminal 2A2 so that the user A2 performs the verification procedure. When the display control information for displaying the guidance screen that guides the client terminal 2A2 to the client terminal 2A2 is transmitted, and then the personal identification information for the user A2 is acquired from the client terminal 2A2, the client terminals 2A1 and 2A2 display an approval confirmation screen for opening a shared account. to display the display control information. Therefore, the server 3 can guide the user A2 to perform the identity verification procedure even if the identity of the user A2 has not been verified.

In the server 3 according to Embodiment 1, the display control information transmission unit 33 displays a selection screen for whether or not to open a personal account together with a shared account, in addition to display control information for displaying an approval confirmation screen. to the client terminal 2A2. After acquiring the approval information from both the client terminal 2A1 and the client terminal 2A2, the account opening unit 34 selects the user A1 and the user according to the selection result information indicating whether or not to open the personal account together with the shared account. Either the process of opening a shared account shared by A2 and the process of opening a personal account used only by user A2 are performed, or only the process of opening a shared account shared by user A1 and user A2 is performed. . Therefore, the server 3 can prevent users A1 and A2 from opening unnecessary prepaid card accounts and issuing unnecessary prepaid cards.

In the server 3 according to Embodiment 1, the display control information transmission unit 33 transmits display control information for including and displaying the information indicating the user A1 and the information indicating the user A2 in the approval confirmation screen. Therefore, the server 3 can make the user A1 and the user A2 perform the approval process by referring to the approval confirmation screen.

In the server 3 according to the first embodiment, when the account opening unit 34 acquires disapproval information indicating disapproval of opening a shared account from either the client terminal 2A1 or the client terminal 2A2 on which the approval confirmation screen is displayed, the sharing The account opening process is stopped, and the display control information transmitting unit 33 transmits display control information for displaying a screen indicating that the shared account opening process has been stopped to the client terminals 2A1 and 2A2. Therefore, the server 3 can cancel the processing of opening an unnecessary account whose opening has not been approved by at least one of the co-owners, and can notify the users A1 and A2 of the cancellation.

The client terminal 2A1 or 2A2 according to the first embodiment includes a management screen display unit 20 that displays a management screen for managing an existing prepaid card account, and a prepaid card based on an operation performed on the management screen. An opening request transmission unit 21 for transmitting a request for opening a shared account to a server 3 that performs processing for opening a shared account, and basic information acquisition for acquiring basic information for generating invitation information for opening a shared account from the server 3. a unit 22, an invitation information generation unit 23 that generates invitation information using basic information based on an operation performed on the management screen, and an output unit 24 that outputs the invitation information in a form that can be used by an external terminal. , a display control information acquisition unit 25 for acquiring display control information for displaying an approval confirmation screen for opening a shared account from the server 3; an approval confirmation screen display unit 26 for displaying an approval confirmation screen based on the display control information; An approval confirmation result transmission unit 27 is provided for transmitting information indicating whether or not to approve opening of a shared account to the server 3 based on an operation performed on the approval confirmation screen. With such a client terminal 2A1 or 2A2, a user whose identity has been verified uses the client terminal to request the server 3 to open a shared account, generate invitation information, and approve the opening of a shared account. A shared account for the user is opened. Therefore, the client terminal 2A1 or 2A2 can provide a procedure for easily opening a shared account between intended users.

In the client terminal 2A1 or 2A2 according to Embodiment 1, the output unit 24 outputs the invitation information by displaying it on the screen (display unit 2D) of the client terminal 2A1 or 2A2. Therefore, the client terminal 2A1 or 2A2 can output the invitation information, for example, in the form of a code image that can be read by another client terminal using the imaging unit.

In the client terminal 2A1 or 2A2 according to Embodiment 1, the output unit 24 transmits the invitation information to other client terminals. Therefore, the client terminal, which is the terminal device of the invitee, can acquire the invitation information through communication even if the client terminal, which is the terminal device of the inviter, does not exist nearby.

In the client terminal 2A1 or 2A2 according to Embodiment 1, the invitation information generation unit 23 generates invitation information in the form of a code image or a character string. As a result, the client terminal 2A1 or 2A2 can generate invitation information in a mode corresponding to the invitation information reading function of another client terminal.

The client terminal 2A1 or 2A2 according to Embodiment 1 includes a reading function activating unit 28 that activates a reading function for reading invitation information based on an operation performed on the management screen, and an invitation information using the reading function. is read, an identity verification completion information transmission unit 29 is provided for transmitting to the server 3 information indicating that the user using the existing prepaid card has been identity verified. Therefore, the client terminal 2A1 or 2A2 can confirm that the identity of the user invited to open the shared account has been verified by using the reading function for reading the invitation information. In this way, it is possible to confirm whether or not the identity of user A2 has been verified by a simple process of reading the invitation information.

In the client terminal 2A1 or 2A2 according to Embodiment 1, when the invitation information is read using a reading function other than the reading function for reading the invitation information, after the management screen display unit 20 displays the management screen, the principal The confirmed information transmission unit 29 transmits to the server 3 information indicating that the identity of the user A2 using the existing prepaid card has been confirmed.
For example, in the client terminal 2A2, when the invitation information is read using a reading function other than the reading function for reading the invitation information, the identification confirmation information transmission based on the function provided by the management application is used. The transmission of the information indicating that the user A2 has been verified by the unit 29 is not immediately performed. However, according to the above configuration, after that, when the management screen display unit 20 displays the management screen on the display unit 2D, the identity verification completion information transmission unit 29 transmits information indicating that the identity of the user A2 has been verified. Transmission to the server 3 can be performed.

An information processing system 1 according to Embodiment 1 includes a server 3, a client terminal 2A1 and a client terminal 2A2. With this information processing system 1, the identity-verified user A1 uses the client terminal 2A1 to request the server 3 to open a shared account, generate invitation information, and approve the opening of the shared account. A2 uses the client terminal 2A2 to access the server based on the invitation information and approve the opening of the shared account, thereby opening the shared account of the users A1 and A2. Therefore, the information processing system 1 can provide a procedure for easily opening a shared account between intended users.

The prepaid card shared account opening method according to the first embodiment includes steps in which the client terminal 2A1 outputs invitation information, and the client terminal 2A2 accesses the server 3 based on the output invitation information, and the user A2 authenticates himself/herself. a step of transmitting information indicating that confirmation has been completed; and when the server 3 acquires information indicating that the identity of user A2 has been confirmed, the client terminal 2A1 and the client terminal 2A2 confirm approval of opening a shared account. a step of transmitting display control information for displaying a screen; a step of the client terminal 2A1 and the client terminal 2A2 displaying an approval confirmation screen based on the display control information; a step of transmitting approval information indicating approval of opening a shared account to the server 3 based on an operation performed on the confirmation screen; and performing processing for opening a shared account shared by user A1 and user A2. With this shared account opening method, the identity-verified user A1 uses the client terminal 2A1 to request the server 3 to open a shared account, generate invitation information, and approve the shared account opening. A2 uses the client terminal 2A2 to access the server based on the invitation information and approve the opening of the shared account, thereby opening the shared account of the users A1 and A2. Therefore, this method can provide a procedure for easily opening a shared account between intended users.

The server 3 according to the modification of the first embodiment acquires from the client terminal 2A1 a request to open a shared account for use by the user A1 and the user A2, performs processing for opening the shared account, and sends the request to the user from the client terminal 2A2. It is determined whether or not the identity of user A2 has been verified according to whether or not information indicating that A2 has been verified has been obtained. When it is determined that user A2 has been verified, the client terminal 2A1 Display control information for displaying an approval confirmation screen for activation of the prepaid card B2 for the shared account used by the user A2 is transmitted, indicating that the activation is approved from the client terminal 2A1 on which the approval confirmation screen is displayed. Acquisition of the approval information enables validation of the prepaid card B2. Thereby, the user A1 can confirm on the screen that the user with whom the shared account is shared is the intended partner (user A2). Therefore, the server 3 can provide a procedure for easily opening a shared account between intended users.

The server 3 according to the modification of the first embodiment acquires from the client terminal 2A1 a request to open a shared account for use by the user A1 and the user A2 and specific information for specifying the user A2, and obtains the shared account. It is determined whether or not the identity of the user A2 has been confirmed according to whether or not information indicating that the identity of the user A2 has been confirmed has been obtained from the client terminal 2A2 by performing the opening process, and the specific information and the By collating with the identification information, it is determined whether or not the prepaid card B2 for the shared account used by the user A2 can be activated, and it is determined that the identity of the user A2 has been confirmed, and the prepaid card B2. can be validated, the prepaid card B2 can be validated. As a result, the user A1 is assured that the partner specified by the specific information is the partner (user A2) with whom the shared account is shared. Therefore, the server 3 can provide a procedure for easily opening a shared account between intended users.

It should be noted that any component of the embodiment can be modified or any component of the embodiment can be omitted.

1 information processing system, 2A1, 2A2 client terminal, 2B, 3A communication unit, 2C, 3B calculation unit, 2D display unit, 2D1, 2D2 management screen, 2D3 small screen, 2D4 image, 2D5 approval confirmation screen, 2D6 to 2D9 screen, 2E operation unit, 2F photography unit, 3 server, 3C storage unit, 4 store terminal, 5 network, 20 management screen display unit, 21 opening request transmission unit, 22 basic information acquisition unit, 23 invitation information generation unit, 24 output unit, 25 Display control information acquisition unit 26 Approval confirmation screen display unit 27 Approval confirmation result transmission unit 28 Reading function activation unit 29 Identity verification completed information transmission unit 31 Basic information transmission unit 32 Judgment unit 33 Display control information transmission Section 34 Account Opening Section 100 Communication Interface 101 Input/Output Interface 102 Processor 103 Memory.

Claims (10)

the computer,
A request for opening a shared account for a prepaid card is obtained from a first terminal used by a first user, and basic information for the first terminal to generate invitation information for opening a shared account is sent to the first terminal. a process of transmitting to one terminal;
A process of receiving access based on the invitation information from the second terminal used by the second user;
The identification information of the first user, the identification information of the second user, and the identification information of the shared account are linked and stored, and shared by the first user and the second user. A program that functions as a server that executes the process of opening a shared account. the computer further comprising:
a process of transmitting display control information for displaying an approval confirmation screen for opening a shared account to the first terminal when access is received from the second terminal based on the invitation information;
a process of opening the shared account when approval information indicating approval for opening the shared account is obtained from the first terminal on which the approval confirmation screen is displayed;
2. The program according to claim 1, functioning as said server for executing. The basic information is for causing the first terminal to generate a code image to be displayed on the first terminal as the invitation information, and the second terminal can read the code image to , for allowing said second terminal to access said server;
3. The program according to claim 1 or 2. The basic information is for causing the first terminal to generate the invitation information to be transmitted from the first terminal to the second terminal, and the second terminal reads the invitation information. to allow the second terminal to access the server,
3. The program according to claim 1 or 2. the computer,
Obtaining from a first terminal used by a first user a request to open a shared account for a prepaid card for use by the first user and a second user different from the first user; a process of opening the shared account;
a process of transmitting, to the first terminal, display control information for displaying an approval confirmation screen for activation of the prepaid card for the shared account used by the second user;
When approval information indicating approval of activation is obtained from the first terminal on which the approval confirmation screen is displayed, the prepaid card for the shared account used by the second user can be activated. and
A program that acts as a server to run a basic information acquisition unit for acquiring basic information for generating invitation information for opening a shared account from a server;
an invitation information generating unit that generates the invitation information using the basic information;
an output unit that outputs the invitation information in a form that can be used by an external terminal;
a display control information acquisition unit for acquiring display control information for displaying an approval confirmation screen for opening a shared account from the server;
an approval confirmation screen display unit that displays the approval confirmation screen based on the display control information;
an approval confirmation result transmitting unit that transmits information indicating whether to approve the opening of the shared account to the server based on an operation performed on the approval confirmation screen. Device. A server that executes the program according to claim 1 . A server that executes the program according to claim 5 . An information processing system comprising a server for opening a prepaid card account, a first terminal used by a first user, and a second terminal used by a second user,
The first terminal transmits a request to open a shared account for a prepaid card to the server,
The server transmits basic information for the first terminal to generate invitation information for opening a shared account to the first terminal,
The second terminal accesses the server based on the invitation information,
The server associates and stores the identification information of the first user, the identification information of the second user, and the identification information of the shared account, and stores the identification information shared by the first user and the second user. information processing system for opening the shared account to be used by An information processing system comprising a server for opening a prepaid card account, a first terminal used by a first user, and a second terminal used by a second user,
The first terminal transmits to the server a request to open a shared account for prepaid cards for use by the first user and the second user;
The server establishes the shared account,
The server transmits, to the first terminal, display control information for displaying an approval confirmation screen for activation of the prepaid card for the shared account used by the second user,
The first terminal transmits approval information indicating approval of activation of the prepaid card to the server based on the operation on the approval confirmation screen,
The information processing system, wherein the server, upon obtaining the authorization information, enables the prepaid card for the shared account used by the second user.

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