JP2024075288A - Information providing device, information providing method, and program - Google Patents

Abstract

To provide a service to a user even if a terminal apparatus is located in a predetermined area (for example, overseas).SOLUTION: An information providing apparatus comprises: an acquisition unit that acquires a request for providing a predetermined service from a predetermined area, from a user's user terminal apparatus; and an information processing unit that, if user identity has been verified and if it is determined that the user is temporarily staying in the predetermined area in response to the request, provides the predetermined service to the user terminal apparatus in response to the request, and if it is determined that the user identity has not been verified or if it is not determined that the user is temporarily staying in the predetermined area in response to the request, does not provide the predetermined service to the user terminal apparatus in response to the request.SELECTED DRAWING: Figure 4

Description

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

In recent years, electronic payment services using terminal devices have come into use. Furthermore, within the electronic payment services, various highly convenient services different from the electronic payment services are provided, and users can use the services they desire within the electronic payment services.

JP 2022-157339 A

However, if the terminal device is located in a specific area, it may not be possible to use the above electronic payment services and services available through the electronic payment services.

The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an information providing device, an information providing method, a program, and an application program that can provide services to a user even if the terminal device is located in a specific area (e.g., overseas).

One aspect of the present invention is an information providing device that includes an acquisition unit that acquires a request for provision of a specified service from a user terminal device of a user, and an information processing unit that, in response to the request, provides the specified service to the user terminal device when it is determined that identity verification has been performed on the user and that the user is presumed to be temporarily staying in the specified area, and does not provide the specified service to the user terminal device in response to the request when it is determined that identity verification has not been performed on the user or that the user is not presumed to be temporarily staying in the specified area.

According to one aspect of the present invention, it is possible to provide an information providing device, an information providing method, a program, and an application program that can provide a service to a user even if the terminal device is located in a specific area (e.g., overseas). For example, for a user whose terminal device is located overseas but who is capable of providing a service, the service can be provided, thereby improving user convenience.

FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (part 1) illustrating an example of a general flow of electronic payment. FIG. 2 is a sequence diagram (part 2) illustrating an example of a general flow of electronic payment. FIG. 2 is a configuration diagram of a payment server 100 according to the embodiment. FIG. 11 is a diagram showing an example of the contents of user information 182. FIG. 13 is a diagram showing an example of the contents of affiliated store/store information 186. 10 is a sequence diagram showing an example of a flow of processes executed by a payment application 20 and a payment server 100. FIG. 10 is a flowchart showing an example of the flow of a determination process executed by the payment server 100. FIG. 2 is a diagram showing an example of a first interface screen IM1. FIG. 13 is a diagram showing an example of the contents of determination information 188. FIG. 13 is a diagram showing an example of a second interface screen IM2. FIG. 13 is a diagram showing an example of a third interface screen IM3. FIG. 11 is a sequence diagram showing an example of the flow of processes executed by the payment application 20 and the service server (insurance server) 200 when a button for starting a mini-app is operated. FIG. 4 is a diagram showing an example of an interface screen displayed on a display unit. FIG. 11 is a sequence diagram showing an example of a flow of processes executed by the settlement server 100 and the insurance server. 10 is a sequence diagram showing an example of a flow of processes executed by a payment application 20 and a payment server 100. FIG.

Hereinafter, with reference to the drawings, an embodiment of an information providing device, an information providing method, a program, and an application program of the present invention will be described. The application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in real space, but may also include a virtual store for electronic commerce. The virtual store may include a store provided by an entity other than the operator of the electronic payment service. In that case, when making a payment for a purchase at the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. The electronic payment service also includes, for example, one or more service servers 200, and the service server 200 communicates with the user terminal device 10 or the payment server 100 via the network NW.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

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

The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, etc. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image equivalent to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device to the payment server 100 via the affiliated store server. In the following explanation, no distinction is made between these two, and it is assumed that the payment information is sent from the first store terminal device 50.

The service server 200 is a server device that provides a service different from the electronic payment service provided in the electronic payment service. The service server 200 cooperates with the payment application 20 and the payment server 100 to provide a service to the user within the electronic payment service. The service server 200 cooperates with, for example, the mini-app 30 described below to provide a service to the user.

Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which information capable of identifying the store is added, and is associated with the affiliated store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the procedure in which the user inputs the payment amount is omitted, and the first payment information is transmitted to the payment server 100 with the information on the payment amount included. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment app 20 is started, when a payment operation is performed in the payment app 20, when the automatic update timing (for example, every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). The payment server 100 then sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be made using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
4 is a configuration diagram of the payment server 100 according to the embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, a determination unit 160, and a storage unit 180. The components other than the communication unit 110 and the storage unit 180 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transient storage medium) such as a hard disk drive (HDD) or a flash memory, or may be stored in a removable storage medium (a non-transient storage medium) such as a DVD or a CD-ROM, and installed in the storage device by mounting the storage medium in a drive device. One or both of the information processing unit 150 and the determination unit 160 are examples of an "information processing unit." Furthermore, the payment content providing unit 120 may be a part of the "information processing unit."

The storage unit 180 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 180 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 180 stores information such as user information 182, payment content information 184, affiliated store/shop information 186, and judgment information 188.

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

The payment content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 184 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the aforementioned payment information and the like to the payment server 100.

The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 182.

5 is a diagram showing an example of the contents of the user information 182. The user information 182 is an example of the registration information of a user. The user information 182 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, a charge history information, and a payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). The email address, and the name, address, and date of birth are also information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

The charge balance is information indicating the balance of electronic money that is set by the user by transferring money to the account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. In the figure, only one deferred payment limit is shown, but in reality, there are also daily upper limits, and the lower of these may be set as the deferred payment limit. The payment method setting is setting information indicating whether the user will make electronic payment from the charge balance or by deferred payment at that time. The bank account and credit card number are information (account number, card number) of a bank account or credit card number that can be deposited into the electronic payment service, respectively. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that shows the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

Figure 6 is a diagram showing an example of the contents of affiliated store/store information 186. Affiliated store/store information 186 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store ID. In addition to this information, affiliated store/store information 186 may also include information such as the affiliated store or store category, the store's location, and payment patterns.

The information management unit 140 manages the user information 182 and the affiliated store/store information 186 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records, edits, deletes, etc. for the user information 182 and the affiliated store/store information 186.

The information processing unit 150 acquires the user ID sent by the user terminal device 10 or the payment application 20, and specific information for identifying the location of the user terminal device 10. The specific information for identifying the location is, for example, the IP (Internet Protocol address) address of a communication device that mediates communication between the user terminal device 10 and the payment server 100. The information for identifying the location may be location information of the user terminal device 10.

The determination unit 160 determines whether or not a service can be provided to the user based on the user ID and the determination information 188. Details of the processing by the determination unit 160 will be described later.

[Electronic Payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 182 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, but an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as the creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month's worth. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[About launching payment apps overseas]
Generally, when attempting to launch a payment app overseas, an error occurs and the payment app itself cannot be launched, and services available through the payment app cannot be used. This is a measure to prevent fraud such as money laundering. However, not being able to use services other than electronic payment services using the payment app can be inconvenient for users. Therefore, in this embodiment, services other than electronic payment services can be provided to users who meet certain conditions, as described below.

[overview]
The payment server 100 acquires a request for provision of a specified service from a specified area from the user's user terminal device, and if it is determined that identity verification of the user has been performed in response to the request and that the user is presumed to be temporarily staying in the specified area, it provides the specified service in response to the request to the user terminal device 10, and if it is determined that identity verification of the user has not been performed in response to the request or that the user is not presumed to be temporarily staying in the specified area, it does not provide the specified service in response to the request to the user terminal device 10.

The specified area is, for example, a foreign country (a country other than Japan). The specified area may also be a pre-defined area in a foreign country or Japan.

More specifically, the payment server 100 cooperates with the payment app 20 installed on the user terminal device 10 to provide the user with a specified service, a service different from the specified service, and an electronic payment service. The specified service and the service different from the specified service are services provided by the payment app 20 after the payment app 20 is launched. When an operation to launch the payment app 20 is performed domestically, the payment server 100 allows the use of the specified service, the service different from the specified service, and the electronic payment service.

When the payment app 20 is launched in a specified area, i.e., overseas, and the user's identity is verified, and it is presumed that the user is temporarily staying overseas, the payment server 100 allows the use of specified services and does not allow the use of services other than the specified services and electronic payment services.

If the operation to launch the payment app 20 is performed overseas and identity verification of the user has not been performed, or it is not presumed that the user is temporarily staying overseas, the payment server 100 will not allow the use of specified services, services different from the specified services, and electronic payment services.

Not allowing means not providing the target service to the user, for example by controlling access to the server device that provides the target service so that the user cannot access the server device, or by having the server device not provide the service even if the user can access the server device.

[Sequence (part 1)]
FIG. 7 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. When the user performs an operation to start the payment application 20, the payment application 20 transmits to the payment server 100 the user ID and specific information for identifying the location of the user terminal device 10 (S50, S52). Next, the payment server 100 judges whether or not a specific service can be provided based on the information transmitted in S52 (S54). Next, the payment server 100 transmits control information according to the judgment result to the payment application 20 (S56). Next, the payment application 20 displays an interface screen based on the control information transmitted in S56 on the display unit of the user terminal device 10 (S58). For example, the payment application 20 generates content to be provided based on the control information and content provided by the payment server 100, and displays the generated content on the display unit. As a result, content according to the above judgment result (for example, content when a specific service is provided, content when a specific service is not provided) is provided to the user. Note that the generation of content may be performed in the payment server 100.

As described above, the payment server 100 determines whether or not to provide the service, and the payment application 20 provides the user with an interface screen according to the result of the determination.

[flowchart]
FIG. 8 is a flowchart showing an example of the flow of the determination process executed by the payment server 100. In this process, when an operation to start the electronic payment app is performed in Japan, the payment server 100 and the payment app 20 display a predetermined service, a service different from the predetermined service, and information for using the electronic payment service (for example, code information and a predetermined button for using the electronic payment service) on the display unit of the user terminal device 10 (see the first interface screen IM1). When an operation to start the electronic payment app is performed overseas, which is a predetermined region, the identity verification of the user has been performed, and it is presumed that the user is temporarily staying overseas, the payment server 100 and the payment app 20 display a button for using the predetermined service on the display unit, and do not display a service different from the predetermined service and information for using the electronic payment service on the display unit (see the third interface screen IM3). When an operation to start the electronic payment app is performed overseas, and the identity verification of the user has not been performed, or it is not presumed that the user is temporarily staying overseas, the payment server 100 and the payment app 20 do not display a predetermined service, a service different from the predetermined service, and information for using the electronic payment service on the display unit (see the second interface screen IM2).

First, when the user performs an operation to start the payment application 20, the information processing unit 150 of the payment server 100 acquires the user ID and the specific information (S100). Next, the determination unit 160 of the payment server 100 determines whether the access is from within Japan based on the specific information (S102). For example, if the specific information is the IP address of a communication device with which the user terminal device 10 communicates, the determination unit 160 determines whether the IP address transmitted from the user terminal device 10 is an IP address that belongs to within Japan by referring to information that associates the IP address with the country to which it belongs. The determination unit 160 may transmit the IP address to another device that provides a service that identifies the country in which the user terminal device 10 exists from the IP address, and may acquire information on the country to which the IP address belongs. The determination unit 160 may identify the country, location, or region in which the user terminal device 10 exists using other known methods, not limited to the above method. For example, the country in which the user terminal device 10 exists may be identified based on the location information of the user terminal device 10.

In the case of access from within Japan, the payment content providing unit 120 of the payment server 100 provides the first interface screen to the user terminal device 10 (S104). FIG. 9 is a diagram showing an example of the first interface screen IM1. The first interface screen IM1 is a top screen displayed on the display unit after the payment application 20 is started. The first interface screen IM1 displays a code image CD. The code image CD includes, for example, a barcode and a QR code. The first interface screen IM1 displays text (in the figure, "Payment from balance") indicating whether electronic payment is to be made using the charge balance or by deferred payment. This text is drawn by the payment application 20 each time a changeover switch (not shown) is operated. The first interface screen IM1 includes one or more buttons. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) that are realized in cooperation with a touch panel. The interface screen IM1 is an example of a "screen of a first mode in which the specified service, a service different from the specified service, and a service for which the electronic payment service is available are targets."

The button is, for example, a button for starting the use of a service (a specified service and a service different from the specified service) available in the electronic payment service. The button includes, for example, a start button for starting the mini app 30. The mini app 30 is, for example, an app that uses the payment app 20 as a platform. The mini app 30 is, for example, an application program developed by a service provider that provides the service of the service server 200 to run within the payment app 20. The service provider develops the mini app 30 by referring to an SDK (Software Development Kit), which is a program and technical documentation for app development provided by the administrator of the payment app 20. The mini app 30 is, for example, an app that runs when the payment app 20 is running. For example, when the payment app 20 is installed, a part or all of the mini app 30 may be installed, or a part or all of the mini app 30 may be installed from a service server corresponding to the mini app 30.

Button B1 is a button that launches the insurance mini-app, and when button B1 is operated, the insurance mini-app accesses the insurance server (service server 200) that corresponds to the insurance mini-app. The insurance mini-app and the insurance server work together to display insurance-related content on the display unit of the user terminal device 10 and provide content in response to user operations, thereby providing insurance-related services.

Button B2 is a button that launches the asset management mini-app, and when button B2 is operated, the asset management mini-app accesses the asset management server (service server 200) that corresponds to the asset management mini-app. The asset management mini-app and the asset management server work together to provide services related to asset management by displaying content related to asset management on the display unit of the user terminal device 10 and providing content in response to user operations.

Button B3 is a button that launches the bank mini-app, and when button B3 is operated, the bank mini-app accesses the bank server (service server 200) that corresponds to the bank mini-app. The bank mini-app and the bank server work together to provide bank-related services by displaying content related to bank services on the display unit of the user terminal device 10 and providing content in response to user operations.

Button B4 is a button that launches a mini-app for point management, and when button B4 is operated, the mini-app for point management accesses a point management server (service server 200) that corresponds to the mini-app for point management. The mini-app for point management and the point management server work together to provide services related to point management by displaying content related to point management on the display unit of the user terminal device 10 and providing content in response to user operations.

The button for launching the mini app may include other buttons in addition to (or instead of) the above-mentioned buttons B1-B4. Also, the first interface screen IM1 may include other buttons in addition to the button for launching the mini app. The other buttons are buttons that, when operated, access other servers, for example, by a browser function, without relying on the mini app 30, and display information provided by the other servers on the display unit of the user terminal device 10.

As described above, when the user terminal device 10 accesses the payment server 100 from within Japan, the payment server 100 provides electronic payment services and services provided by mini-apps.

In S102 of FIG. 8, if the access is not from within Japan, the judgment unit 160 of the payment server 100 judges whether the user satisfies a predetermined condition (S106). The predetermined condition is, for example, that the user's identity has been verified and that overseas travel insurance has been contracted. The identity verification is eKYC (electronic Know Your Customer). eKYC is identity verification performed by a method prescribed by law (for example, the Act on Prevention of Transfer of Criminal Proceeds). eKYC is identity verification in which, for example, a photograph of the user and a public certificate such as a driver's license are uploaded to a server, and the server side verifies the identity of the user and the person on the public certificate. Note that the identity verification may be another method of identity verification instead of the above method. The other method of identity verification may be, for example, so-called KYC (Know Your Customer), such as identity verification by submitting a public certificate or by verifying other certificates.

The determination unit 160 determines whether or not the user satisfies a predetermined condition based on, for example, the user ID and the determination information 188. FIG. 10 is a diagram showing an example of the contents of the determination information 188. The determination information 188 is information in which, for a user ID, information indicating whether identity verification has been completed and information indicating whether an overseas travel insurance contract has been made (inferred information) are associated with the user ID. The determination unit 160 determines that the user satisfies the predetermined condition if identity verification has been completed and the overseas travel insurance contract has been made. The identity verification may be, for example, identity verification using the payment application 20, or identity verification performed using another application program or service. The overseas travel insurance contract has been completed means that the overseas travel insurance related to the contract is within the applicable period at the time of the determination (when an operation to start the payment application 20 is performed). The applicable period of the overseas travel insurance means that the user is traveling overseas.

The contracted overseas travel insurance included in the determination information 188 may be overseas travel insurance contracted via the insurance mini-app 30 in the payment app 20, or overseas travel insurance contracted without going through the payment app 20 and the mini-app 30. The overseas travel insurance is, for example, insurance provided by an administrator who manages the service server (insurance server) 200 accessible via the payment app 20 or the mini-app 30. The payment server 100 acquires and manages information indicating that the target user has contracted overseas travel insurance from the service server (insurance server) 200 accessed by the insurance mini-app 30, a server device that accepts applications for overseas travel insurance, or the like.

The predetermined conditions may include information (inferred information) indicating whether or not a user is temporarily staying overseas, such as the purchase status of an overseas travel product or travel information, instead of (or in addition to) the contract status of the overseas travel insurance. For example, the payment server 100 may determine whether or not a user is temporarily staying overseas by referring to the purchase status of an overseas travel product or travel information. For example, it may be determined whether or not a predetermined condition is met based on information indicating that an overseas travel product has been purchased for a stay overseas on the target day, or travel information submitted by the user (e.g. visa information or airplane ticket information). By making a determination based on such information, it is possible to distinguish between users who are stationed or living abroad and users who are temporarily staying abroad.

If the predetermined conditions are not met in S106 of FIG. 8 (if identity verification has not been completed or overseas travel insurance has not been contracted), the payment content providing unit 120 of the payment server 100 provides the second interface screen to the user terminal device 10 (S108). FIG. 11 is a diagram showing an example of the second interface screen IM2. The second interface screen IM2 is a screen displayed on the display unit when the predetermined conditions are not met in access from overseas. The second interface screen IM2 displays information (information indicating that an error has occurred) indicating that the electronic payment service and services available in the electronic payment service (predetermined services and services different from the predetermined services) are not available. The predetermined services are, for example, financial services. One or more of the insurance services, asset management services, banking services, and point management services are examples of "predetermined services". The interface screen IM2 is an example of "a screen of the third mode in which the predetermined services, services different from the predetermined services, and services available in the electronic payment service are excluded".

As described above, if the specified conditions are not met, the use of the electronic payment service and the services available in the payment app 20 are restricted in order to reliably prevent fraudulent use.

Between steps S102 and S106, or between S106 and S110, the payment server 100 may determine whether the access is from a specific country or a specific region. For example, if the access is from a specific country or a specific region, the specified service and services different from the specified service are not provided, and the second interface screen IM2 is displayed on the display unit. A specific country or a specific region is a country or region where there is a high risk of fraudulent use.

When the predetermined condition is satisfied in S106 of FIG. 8, the payment content providing unit 120 of the payment server 100 provides the third interface screen to the user terminal device 10 (S108). FIG. 12 is a diagram showing an example of the third interface screen IM3. The third interface screen IM3 is a screen displayed on the display unit when the predetermined condition is satisfied in access from overseas. Information about electronic payment services is omitted from the third interface screen IM3. For example, information about electronic payment such as the code image CD and the balance is omitted, and a button for starting a predetermined mini-app (a button for using a predetermined service) is displayed. The button for starting a predetermined mini-app is, for example, the above-mentioned buttons B1-B4. The interface screen IM3 is an example of a "second mode screen in which the predetermined service is included in the available services, and services other than the predetermined service and services in which the electronic payment service is included are excluded."

[sequence]
Fig. 13 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the service server (insurance server) 200 when a button for starting a mini-app is operated. When a user operates the button B1 on the third interface screen IM3 of Fig. 12, the insurance mini-app 30 of the payment application 20 transmits the user ID to the insurance server (S150, S152). The insurance server generates content according to the user ID and transmits the generated content to the mini-app 30 of the payment application 20 (S154, S156). Next, the insurance mini-app 30 of the payment application 20 displays an interface screen including the transmitted content on the display unit of the user terminal device 10 (S158).

As described above, users who meet certain conditions can use the mini-app 30 to check the details of their contracted insurance, and to make inquiries or accident claims if a problem occurs during the overseas travel insurance. In this way, even while traveling overseas, users can use the payment app 20 to access certain services, improving user convenience.

Furthermore, the user can use the specified services of asset management, banking, or point management overseas. This allows the user to make transfers, check balances, check assets, make transactions related to assets (e.g., buying and selling), check points, and perform various processes related to point management. These specified services are related to the user's assets, and if the user is unable to make transactions or processes while staying overseas, the value of the assets may decrease, opportunities may be lost, and the user may suffer disadvantages. In this embodiment, the specified services can be used overseas, improving user convenience. In addition to the above, electronic payments, and electronic money charging and withdrawal may be possible within the mini app 30.

[Other Example (1)]
In the above example, a button for launching a mini app related to an available service is included in the interface screen, but instead, the button for launching a mini app related to an available service may be controlled to be available (active state) and other buttons and areas may be controlled to be unavailable (inactive state) as shown in Fig. 14. Also, the code information may be controlled to be readable or unreadable by the store's terminal device or to be available or unavailable for using an electronic payment service depending on the determination result.

When an operation to launch the payment app 20 is performed domestically, the payment server 100 and the payment app 20 control the predetermined service, the service other than the predetermined service, and the information for using the electronic payment service to be available. When an operation to launch the electronic payment app is performed overseas, which is a predetermined region, the identity verification of the user has been performed, and it is presumed that the user is temporarily staying overseas, the payment server 100 and the payment app 20 control the button for using the predetermined service to be available as shown in FIG. 14, and control the service other than the predetermined service and the information for using the electronic payment service to be unavailable. When an operation to launch the electronic payment app is performed overseas, and the identity verification of the user has not been performed, or it is not presumed that the user is temporarily staying overseas, the payment server 100 and the payment app 20 control the predetermined service, the service other than the predetermined service, and the information for using the electronic payment service to be unavailable.

As shown in FIG. 14, the buttons B1-B4 are displayed in a manner indicating that they are available, and the other buttons and areas are displayed in a manner indicating that they are unavailable. The manner indicating that they are unavailable is, for example, a manner that is less visible than the manner indicating that they are available (for example, a grayed-out state). For example, when a user operates a button in an available state, the mini app 30 is started, and the server corresponding to the mini app 30 communicates with the mini app to provide a service to the user. For example, even if a user operates a button in an unavailable state, the payment app 20 does not respond to the operation and the mini app 30 does not start. Also, even if a store terminal device attempts to read unavailable code information, the code information cannot be read. The interface screen IM4 is another example of a "screen in a second manner in which the specified service is included in the available services, and services other than the specified service and the electronic payment service are excluded from the available services."

[Other Example (2)]
In the above example, it was explained that the determination information 188 includes information indicating whether or not overseas travel insurance has been contracted, but the payment server 100 may also inquire of an insurance server (e.g., the service server 200) as to whether or not the user has contracted for overseas travel insurance.

Figure 15 is a sequence diagram showing an example of the flow of processing executed by the payment server 100 and the insurance server. If the payment server 100 determines that the access is not from within Japan, it sends the user ID to the insurance server to inquire about the contract status of the user's overseas travel insurance (S200, S202). The insurance server acquires the contract status of the user based on the user ID (S204). Next, the insurance server sends the contract status to the payment server 100 (S206). Next, the payment server 100 refers to the contract status sent and makes the judgment of S106 in Figure 8 described above (judgment of whether or not the specified condition is met) (S208).

As described above, the payment server 100 can cooperate with the insurance server to check the status of the user's overseas travel insurance contract.

[Other Example (3)]
In the above example, the payment server 100 is described as determining whether or not the predetermined condition is satisfied in S106 of Fig. 8, but part or all of this process may be executed by the payment application 20. An example of the process in which the payment application 20 determines whether or not the predetermined condition is satisfied will be described below.

Figure 16 is a sequence diagram showing an example of the flow of processing executed by the payment app 20 and the payment server 100. The following is the processing when the user executes an operation to start the payment app 20. First, the payment app 20 determines whether or not the user is attempting to access the payment server 100 from overseas (S300). For example, the payment app 20 uses the IP address of the communication device with which the user terminal device 10 is communicating and the location information of the user terminal device 10 to determine whether or not the user terminal device 10 is located overseas and is attempting to access the payment server 100 from overseas. The payment app 20 may request the processing of S300 from another device.

When attempting to access the payment server 100 from overseas, the payment app 20 transmits a user ID to the payment server 100 and inquires of the payment server 100 about the status of the user's identity verification and the status of the overseas travel insurance contract (S302). Note that if the storage device of the payment app 20 or the user terminal device 10 holds information indicating the status of the user's identity verification and the status of the overseas travel insurance contract, the payment app 20 may omit the inquiry. Furthermore, the payment app 20 may inquire of the status of the overseas travel insurance contract to an insurance server instead of the payment server 100.

Next, in response to the inquiry from the payment app 20, the payment server 100 acquires information indicating the user's identity verification status and overseas travel insurance contract status, and transmits the acquired information to the payment app 20 (S304, S306). Next, the payment app 20 refers to the acquired information and performs the determination of S106 in FIG. 8 (determines whether or not a predetermined condition is satisfied) (S308). Then, the payment app 20 executes the same processes as S108 in FIG. 8 and S110 in FIG. 8. Note that if the payment app 20 is attempting to access the payment server 100 from within Japan, the payment app 20 executes the process of S104 in FIG. 8.

As described above, the payment application 20 may determine whether or not to provide a specified service. This allows the specified service to be provided to the user even if the terminal device is located overseas.

In the above example, it is determined whether the user terminal device 10 or the payment server 100 is attempting to access from overseas. However, instead of (or in addition to) this, it may be determined whether the user terminal device 10 is attempting to access from a specified area. The specified area may be a specified area in a foreign country, or a specified area within the country.

In addition, some or all of the processing performed by the payment server 100 and some or all of the processing performed by the payment app 20 may be executed by other devices, application programs, etc.

In the above example, the above processing is described as being executed when the payment app 20 is launched, but instead (or in addition), the processing of this embodiment may be performed in response to a user operation after the payment app 20 is launched. For example, processing may be executed and the possibility of providing a service may be determined in response to the user operating a button to use a specified service, or to the user operating a button to use a service different from the specified service. Also, it may be determined whether a specified condition is satisfied when the user terminal device 10 accesses the payment server or the service server 200, regardless of the use of the payment app 20.

In the above example, the processing of this embodiment is described as being executed for a user who is already using a specified service. However, instead of (or in addition to) this, when a user accesses the payment server 100 or the service server 200 using the user terminal device 10 to apply to start using a specified service, the payment server 100 or the service server 200 may also determine whether or not a specified condition is satisfied.

According to the embodiment described above, in response to a request for provision of a specific service from overseas by the user's user terminal device 10, if the user's identity has been verified and it is determined that the user is temporarily staying overseas, the payment server 10 provides the specific service to the user terminal device 10 in response to the request. This makes it possible to provide the specific service to the user even if the user terminal device 10 is located in a specific area (e.g., overseas).

The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made without departing from the spirit of the present invention.

REFERENCE SIGNS LIST 10 User terminal device 20 Payment application 30 Mini application 100 Payment server 120 Payment content providing unit 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 150 Information processing unit 160 Determination unit 180 Storage unit 182 User information 184 Payment content information 188 Determination information 200 Service server

Claims (17)

an acquisition unit that acquires a request for provision of a predetermined service from a predetermined area from a user terminal device of a user;
providing the predetermined service to the user terminal device in response to the request when it is determined that the user is identified and that the user is temporarily staying in a predetermined area;
an information processing unit that, when it is determined in response to the request that identity verification of the user has not been performed or that the user is not presumed to be temporarily staying in a predetermined area, does not provide the predetermined service to the user terminal device in response to the request;
An information providing device comprising: The given area is a foreign country;
2. The information providing device according to claim 1. The acquisition unit acquires identification information of the user and the request,
The information processing unit refers to user information in which identification information of the user, information indicating whether identity verification has been performed for the user, and inference information for inferring whether the user is temporarily staying overseas are associated with each other,
determining whether the user's identity has been verified and whether the user is believed to be temporarily abroad;
3. The information providing device according to claim 2. The acquisition unit acquires identification information of the user and the request,
The information processing unit includes:
determining whether identity verification has been performed for the user by referring to user information in which the identification information of the user is associated with information indicating whether identity verification has been performed for the user;
Transmitting the user's identification information to another device to request transmission of inferred information of the user, and determining whether or not the user is inferred to be temporarily residing overseas based on the inferred information of the user transmitted from the other device;
3. The information providing device according to claim 2. The inferred information is information indicating that the applicant has subscribed to overseas travel insurance applicable at the time the request is made.
5. The information providing device according to claim 3 or 4. The inferred information is information indicating that the customer has purchased an overseas travel product for staying overseas during a period including the time when the request was made.
5. The information providing device according to claim 3 or 4. The predetermined service is a financial service.
5. An information providing device according to claim 1. the information processing unit does not permit the provision of the electronic payment service in response to a request for the provision of the electronic payment service from overseas by the user terminal device, even if identity verification of the user has been performed and the user is presumed to be temporarily staying overseas, which is the specified region;
5. An information providing device according to claim 1. The information processing unit does not provide the predetermined service to the user terminal device when the user's identity has been verified and the user is presumed to be temporarily staying in a foreign country that is the predetermined region, if the foreign country is a specific country or region that is specified in advance.
5. An information providing device according to claim 1. The information processing unit includes:
providing the user with the predetermined service, a service different from the predetermined service, and an electronic payment service in cooperation with an electronic payment application program (hereinafter, an electronic payment app) installed in the user terminal device;
When an operation to launch the electronic payment application is performed in Japan, the use of the specified service, a service different from the specified service, and the electronic payment service is permitted;
When an operation to launch the electronic payment application is performed in a foreign country that is the specified region, identity verification of the user is performed, and it is presumed that the user is temporarily staying overseas, the use of the specified service is permitted, and the use of services different from the specified service and the electronic payment service is not permitted;
If the electronic payment application is launched overseas and identity verification has not been performed on the user, or if it is not presumed that the user is temporarily residing overseas, the use of the specified service, services other than the specified service, and the electronic payment service is not permitted;
5. An information providing device according to claim 1. The information processing unit includes:
providing the user with the predetermined service, a service different from the predetermined service, and an electronic payment service in cooperation with an electronic payment application program (hereinafter, an electronic payment app) installed in the user terminal device;
When an operation for activating the electronic payment application is performed in Japan, a screen of a first aspect is displayed on a display unit of the user terminal device;
when an operation to launch the electronic payment application is performed in a foreign country that is the specified region, identity verification of the user is performed, and the user is presumed to be temporarily staying overseas, displaying a screen of a second aspect on a display unit of the user terminal device;
When an operation to launch the electronic payment application is performed overseas and identity verification has not been performed on the user, or when it is not presumed that the user is temporarily staying overseas, a screen of a third aspect is displayed on a display unit of the user terminal device;
the screen of the first aspect is a screen in which the predetermined service, a service different from the predetermined service, and the electronic payment service are available as target services; the screen of the second aspect is a screen in which the predetermined service is available as target services, and the service different from the predetermined service and the electronic payment service are not available as target services;
the screen of the third aspect is a screen of an aspect in which the predetermined service, a service different from the predetermined service, and the electronic payment service are excluded from the available services;
5. An information providing device according to claim 1. The information processing unit includes:
providing the user with the predetermined service, a service different from the predetermined service, and an electronic payment service in cooperation with an electronic payment application program (hereinafter, an electronic payment app) installed in the user terminal device;
When an operation to launch the electronic payment application is performed in Japan, displaying on a display unit of the user terminal device the predetermined service, a service different from the predetermined service, and information for using the electronic payment service;
When an operation to launch the electronic payment application is performed in a foreign country which is the specified region, identity verification of the user is performed, and it is presumed that the user is temporarily staying overseas, a button for using the specified service is displayed on the display unit, and a service different from the specified service and information for using the electronic payment service are not displayed on the display unit;
When an operation to launch the electronic payment application is performed overseas and identity verification has not been performed on the user, or it is not presumed that the user is temporarily staying overseas, the specified service, services other than the specified service, and information for using the electronic payment service are not displayed on the display unit.
5. An information providing device according to claim 1. The information processing unit includes:
providing the user with the predetermined service, a service different from the predetermined service, and an electronic payment service in cooperation with an electronic payment application program (hereinafter, an electronic payment app) installed in the user terminal device;
When an operation to launch the electronic payment application is performed in Japan, the predetermined service, a service different from the predetermined service, and information for using the electronic payment service are controlled to be available;
When an operation to launch the electronic payment application is performed in a foreign country that is the specified region, identity verification of the user is performed, and it is presumed that the user is temporarily staying overseas, a button for using the specified service is controlled to be available, and services other than the specified service and information for using the electronic payment service are controlled to be unavailable;
When an operation to launch the electronic payment application is performed overseas and identity verification has not been performed on the user or it is not presumed that the user is temporarily staying overseas, the specified service, services other than the specified service, and information for using the electronic payment service are controlled to be unavailable.
5. An information providing device according to claim 1. The computer
Acquiring a request for provision of a predetermined service from a predetermined area from a user terminal device of a user;
providing the predetermined service to the user terminal device in response to the request when it is determined that the user is identified and that the user is temporarily staying in a predetermined area;
If it is determined in response to the request that the identity of the user has not been verified, or that the user is not believed to be temporarily staying in a specified area, the specified service in response to the request is not provided to the user terminal device.
How to provide information. On the computer,
Acquire a request for provision of a predetermined service from a predetermined area from a user terminal device of the user;
when it is determined that the identity of the user is verified in response to the request and that the user is temporarily staying in a predetermined area, causing the user terminal device to provide the predetermined service in response to the request;
When it is determined in response to the request that the identity of the user has not been verified, or that the user is not believed to be temporarily staying in a specified area, the specified service is not provided to the user terminal device in response to the request.
program. The computer
A process of determining whether or not a user terminal device of a user is present in a predetermined area based on specific information that identifies the location of the user terminal device;
a process of permitting provision of a predetermined service to the user terminal device when the user terminal device is present in a predetermined area and it is determined that the user is identified and is temporarily staying in the predetermined area;
When the user terminal device is present in a predetermined area, if it is determined that the identity of the user has not been verified or that the user is not assumed to be temporarily staying in the predetermined area, a process of not permitting the provision of the predetermined service to the user terminal device is executed.
Application program. On the computer,
A process of determining whether or not a user terminal device of a user is present in a predetermined area based on specific information that identifies the location of the user terminal device;
a process of permitting provision of a predetermined service to the user terminal device when the user terminal device is present in a predetermined area and it is determined that the user is identified and is temporarily staying in the predetermined area;
and executing a process of not permitting the provision of the specified service to the user terminal device when the user terminal device is present in a specified area and it is determined that the identity of the user has not been verified or that the user is not believed to be temporarily staying in the specified area.
Application program.

Images