JP6488887B2 - Information processing apparatus and program - Google Patents

Description

  The present invention relates to an information processing apparatus and a program.

  In recent years, Internet banking capable of providing financial services via the Internet has become widespread. Users of financial institutions can execute balance inquiries and transaction details inquiries by accessing Internet banking using user devices such as PCs (Personal Computers) and smartphones. Internet banking also has a Web payment function that performs payment with an amount designated from a shop on the Internet and notifies the shop side of the completion of payment.

  With respect to the above Web settlement function, Patent Document 1 discloses a technique for issuing a URL for each user, notifying the URL to the user by e-mail, and performing a web settlement by the user accessing the URL. Is disclosed. Patent Document 2 discloses a technique for issuing a URL unique to a product and making a payment using the URL when selling the product on a blog. Patent Document 3 discloses a technique for paying for a product on a blog. Patent Document 4 discloses a technique for issuing a one-time ID when a user purchases a product and making a payment using the one-time ID. Patent Documents 5 and 6 disclose a technique for guiding a user to a payment site when the user purchases a product at the mall site, and returning the user to the mall site when the payment on the payment site is completed. Has been.

Japanese Patent Laid-Open No. 2003-16366 JP 2011-28561 A JP 2007-140982 A JP 2008-4042 A JP 2011-117976 A JP 2006-338278 A

  In the Web settlement as described above, there is a concern about leakage of information such as ID and password in the user's financial institution. In particular, when a user requests a product purchase from a shop via one or more servers, the user information is known to the one or more servers, and the user information is received from the one or more servers. There is concern about leaking.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved information processing apparatus and program capable of improving the security of user information. Is to provide.

  In order to solve the above-described problems, according to an aspect of the present invention, a product information providing unit that provides product information to a user device via a first server that provides a first service; A receiving unit that receives a product purchase request from the user device, a key information issuing unit that issues key information including identification information individually assigned to the product purchase request, and the product Information related to the product for the purchase request and the key information are transmitted to the user device via the first server, and the key information and the price information of the product for the product purchase request are provided to the second service. An information processing apparatus is provided that includes a transmission unit that transmits to a second server.

  The key information may be a URL used for the user device to connect to the second server.

  The second server provides a relay service for a financial transaction performed between a financial institution and the user device, and the information processing apparatus has completed settlement for a product related to the product purchase request In this case, the information processing apparatus may further include a receiving unit that receives a payment completion notification including the key information from the second server.

  The information processing device includes a provision information storage unit that stores product information provided to the user device by the product information provision unit, and the reception unit stores the provision information storage unit based on reception of the product purchase request. The product corresponding to the latest product information provided to the user device may be identified as the product related to the product purchase request.

  The accepting unit accepts a request for retransmission of product information from the user device via the first server, and the product information providing unit stores the provided information storage unit based on the acceptance of the resend request by the accepting unit. The product information that is not up-to-date provided to the user device may be referred to and provided again to the user device.

  The key information may be a URL with a time limit used for the user device to connect to the second server.

  In order to solve the above-mentioned problem, according to another aspect of the present invention, a computer provides product information that provides product information to a user device via a first server that provides a first service. Part, a receiving part for receiving a product purchase request from the user device via the first server, and key information for issuing key information including identification information individually assigned to the product purchase request An issuer, and information related to the product related to the product purchase request and the key information are transmitted to the user device via the first server, and the amount information of the product related to the key information and the product purchase request is A program for functioning as a transmission unit that transmits to a second server that provides the second service is provided.

  As described above, according to the present invention, it is possible to improve the security of user information.

It is explanatory drawing which shows the structure of the information processing system by embodiment of this invention. It is explanatory drawing which shows the specific example of the dialogue screen which the interactive service server by this embodiment provides. It is explanatory drawing which shows the goods purchase request in a dialogue screen. It is explanatory drawing which shows the structure of an interactive service server. It is explanatory drawing which shows the structure of a member store server. It is explanatory drawing which shows the structure of a user database. It is explanatory drawing which shows the structure of a goods database. It is explanatory drawing which shows the structure of a provision information database. It is explanatory drawing which shows the structure of a purchase information database. It is explanatory drawing which shows the structure of a portable terminal. It is explanatory drawing which shows the specific example of the dialogue screen containing payment URL. It is explanatory drawing which shows the structure of a relay server. It is explanatory drawing which shows the structure of a payment server. It is explanatory drawing which shows operation | movement of the information processing system by this embodiment. It is explanatory drawing which shows operation | movement of the information processing system by this embodiment. It is the block diagram which showed the hardware constitutions of the member store server.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  In the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numeral. However, when it is not necessary to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given.

<1. Overview of Information Processing System>
First, an overview of an information processing system according to an embodiment of the present invention will be described with reference to FIG.

  FIG. 1 is an explanatory diagram showing a configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, the information processing system according to the embodiment of the present invention includes a mobile terminal 20, a relay server 30, a settlement server 40, an interactive service server 50, and a member store server 60. The portable terminal 20, the relay server 30, the interactive service server 50, and the member store server 60 are connected by the network 12A, and the relay server 30 and the settlement server 40 are connected by the network 12B.

(network)
The networks 12 </ b> A and 12 </ b> B (hereinafter sometimes simply referred to as the network 12) are wired or wireless transmission paths for information transmitted from devices connected to the network 12. For example, the network 12 may include a public line network such as the Internet, a telephone line network, a satellite communication network, various LANs (Local Area Network) including Ethernet (registered trademark), a WAN (Wide Area Network), and the like. Further, the network 12 may include a dedicated line network such as an IP-VPN (Internet Protocol-Virtual Private Network).

(Mobile device)
The mobile terminal 20 is an example of a user device used by a user who is a customer of a financial institution. Product information is provided to the mobile terminal 20 from the member store server 60 via the interactive service server 50. Note that the product information is information related to the product, and examples of the product include an article to be sold or rented, content data to be sold or rented, and a service to be provided. In FIG. 1, the mobile terminal 20 is shown as an example of the user device, but the user device may be an information processing apparatus such as a PC (Personal Computer) and a wearable device.

(Relay server)
The relay server 30 is an information processing apparatus (second server) that provides a relay service (second service) for financial transactions performed between the settlement server 40 and the mobile terminal 20. For example, the relay server 30 logs in to the settlement server 40 using the authentication information received from the mobile terminal 20 and supports settlement (fund transfer) by the settlement server 40 regarding the user account of the mobile terminal 20. The relay server 30 is installed in a data center of a financial institution or a system vendor, for example.

(Payment server)
The settlement server 40 is a financial institution server capable of providing financial services via the network 12. Examples of financial institutions include banks, credit card companies, and securities companies. If the payment server 40 is a bank server, the payment server 40 may provide an internet banking service. For example, the settlement server 40 may perform authentication processing based on the authentication information of the user of the mobile terminal 20 received from the relay server 30, and may perform deposit / withdrawal details inquiry and settlement when the authentication processing is successful. .

  In particular, in this embodiment, the settlement server 40 takes over the settlement amount of the product from the member store server, and performs settlement when the user authentication process is successful. However, the settlement server 40 can perform settlement without transmitting authentication information (such as ID and password) from the mobile terminal 20 based on prior contracts with the user of the mobile terminal 20, member stores, and financial institutions. is there.

(Interactive service server)
The interactive service server 50 is a server of an organization different from the financial institution and provides the mobile terminal 20 with an interactive service that is an example of a first service. Specifically, the interactive service server 50 provides the mobile terminal 20 with a dialog screen with the communication partner, and sequentially adds information transmitted from the mobile terminal 20 and information transmitted from the communication partner to the dialog screen. To do. In particular, the interactive service server 50 according to the present embodiment sequentially adds product information provided from the member store server 60 to the dialog screen between the mobile terminal 20 and the member store server. Hereinafter, a specific example of an interactive screen provided by the interactive service server 50 according to the present embodiment will be described with reference to FIG.

  FIG. 2 is an explanatory diagram showing a specific example of an interactive screen provided by the interactive service server 50 according to the present embodiment. When the interactive service server 50 receives product information from the member store server 60 to the user of the mobile terminal 20, as shown in FIG. 2, the mobile terminal 20 and the member store server 60 (A in the example of FIG. 2) In the dialogue screen with the company, product information displays 72 and 74 are added. The user of the portable terminal 20 can recognize the product information provided from the member store server 60 by looking at the dialog screen.

  Here, it is conceivable that the user of the mobile terminal 20 desires to purchase a product related to the product information by looking at the dialogue screen. For this reason, the information processing system according to the present embodiment is designed so that the product related to the product information can be purchased based on the user's operation on the dialogue screen. Hereinafter, the description will be continued with reference to FIG.

  FIG. 3 is an explanatory diagram showing a product purchase request on the dialogue screen. When the user of the mobile terminal 20 selects an image 76 (stamp) that is associated with a predetermined financial institution and signifies a purchase request for a product, the interactive service server 50 displays the image 76 as shown in FIG. To the dialog screen. Then, when the image 76 is added to the dialogue screen, the member store server 60 performs information processing for the settlement of the product for the purchase request. The information processing will be described in detail later.

(Member store server)
The member store server 60 is a member store server that is a member of the information processing system according to the embodiment of the present invention. The member store server 60 manages user information, product information, and the like of the mobile terminal 20, and stores product information to the mobile terminal 20 via the interactive service server 50 as described with reference to FIG. 2. provide.

(background)
As described above, when a product purchase request is issued from the user as described with reference to FIG. 3 on the dialog screen, the settlement server 40 settles the product related to the product purchase request. Here, for payment by the payment server 40, the user of the mobile terminal 20 needs to input authentication information. However, if the authentication information is input and communicated via the dialog screen, the user authentication information is known to the interactive service server 50 and the user information may be leaked from the interactive service server 50. Is done.

  Thus, embodiments of the present invention have been created with the above circumstances as a focus. According to the embodiment of the present invention, it is possible to improve the security of user information in the settlement of goods via a network. Hereinafter, the configuration and operation of the embodiment of the present invention will be sequentially described in detail.

<2. Configuration of interactive service server>
FIG. 4 is an explanatory diagram showing the configuration of the interactive service server 50. As shown in FIG. 4, the interactive service server 50 includes a communication unit 540, an information management unit 550, a reception management unit 560, and a settlement URL notification unit 570.

(Communication Department)
The communication unit 540 is an interface with the mobile terminal 20 and the member store server 60. For example, the communication unit 540 performs transmission / reception of product information provided from the member store server 60, transmission / reception of a product purchase request transmitted from the mobile terminal 20, and transmission / reception of a settlement URL described later.

(Information Management Department)
The information management unit 550 manages the product information provided from the member store server 60. For example, when product information is received from the member store server 60 by the communication unit 540, the information management unit 550 adds the product information to the dialog screen between the mobile terminal 20 and the member store server 60, and includes a dialog including product information. The screen is transmitted to the mobile terminal 20 by the communication unit 540.

(Reception Management Department)
The reception management unit 560 manages the product purchase request transmitted from the mobile terminal 20. For example, when the communication unit 540 receives a product purchase request from the mobile terminal 20, the reception management unit 560 displays an image (for example, the image 76 shown in FIG. 3) indicating the product purchase request with the mobile terminal 20 and the member store. In addition to the dialogue screen with the server 60, the dialogue screen including the image is transmitted to the member store server 60 by the communication unit 540.

(Payment URL notification section)
The settlement URL notification unit 570 manages notification of a URL (hereinafter, settlement URL) used for settlement of a product related to a product purchase request. For example, when the settlement URL notification unit 570 receives the settlement URL and the target product name information from the member store server 60 via the communication unit 540, the settlement URL notification unit 570 sends the settlement URL and the product name information to the mobile terminal 20 and the member store. It adds to the dialogue screen with the server 60. Then, the settlement URL notification unit 570 causes the communication unit 540 to transmit an interactive screen to which the settlement URL and the product name information are added to the mobile terminal 20 in order to notify the settlement URL and the product name information.

<3. Configuration of member store server>
The configuration of the interactive service server 50 has been described above. Next, the configuration of the member store server 60 will be described with reference to FIG.

  FIG. 5 is an explanatory diagram showing the configuration of the member store server 60. As shown in FIG. 5, the member store server 60 includes a user database 632, a product database 634, a provision information database 636, a purchase information database 638, a communication unit 640, and a control unit 650.

(User database)
The user database 632 functions as a user information storage unit that stores a user identification key that is an identifier of a user in the interactive service in association with user information. The user database 632 stores, as user information, for example, as shown in FIG. 6, a user ID, name, postal code, address, and the like associated with a user identification key. The user ID is the identifier of the user at the member store. In addition, when the product provided by the merchant is an article, the user's information requires a zip code and address for mailing the product, but the user's information may not include the zip code and address. Good. For example, when the merchandise provided by the member store is content data such as music data or video data, the member store server 60 can provide the content data to the user via the network 12 without a zip code and an address. Is possible.

(Product database)
The product database 634 is a database that stores information on products handled by member stores for each product. The product database 634 stores product IDs, product names, amounts, and the like as information about products, for example, as shown in FIG.

(Offer information database)
The provided information database 636 functions as a provided information storage unit that stores a history of product information provided from the member store server 60 to the mobile terminal 20. For example, as illustrated in FIG. 8, the provision information database 636 stores the product information provided to the mobile terminal 20 and the provision order in association with the user ID. More specifically, in the example of FIG. 8, the product information of the “heart rate monitor” with the product ID “S000001” is provided to the mobile terminal 20 corresponding to the user ID “U000001” first. The product information of “Stretch Pole” with ID “S000002” is provided second, the product information of “Esthetic Machine” with product ID “S000003” is provided third, and the product ID is “S000004”. It is shown that the product information of “Heart rate meter” is provided fourth. Since the mobile device 20 corresponding to the user ID “U000001” is not provided with the 5th product information in the example shown in FIG. 8, the product information of “heart rate” has been provided to the mobile device 20. Product information.

(Purchase information database)
The purchase information database 638 is a database that stores information related to each product purchase request. For example, as illustrated in FIG. 9, the purchase information database 638 stores an order ID, a user ID, a product ID, a settlement URL, a settlement state, and the like corresponding to each product purchase request in association with each other. The settlement URL is an example of key information used for purchasing a product related to a product purchase request issued to the mobile terminal 20, and the settlement state is a settlement state based on the settlement URL (settled / URL issued). Finished). The issuance and use of the settlement URL will be described more specifically in the explanation part such as the control unit 650 and the portable terminal 20.

(Communication Department)
The communication unit 640 is an interface with the relay server 30 and the interactive service server 50. For example, the communication unit 640 functions as a transmission unit that transmits a settlement URL, product price information, and the like to the relay server 30 and the interactive service server 50, and the product from the mobile terminal 20 via the interactive service server 50. It has a function as a receiving unit that receives a purchase request and receives a payment completion notification from the relay server 30.

(Control part)
The control unit 650 controls the overall operation of the member store server 60. In particular, the control unit 650 of the member store server 60 according to the present embodiment includes functions of a product information providing unit 652, a receiving unit 654, and a settlement URL issuing unit 656.

  The merchandise information providing unit 652 provides merchandise information to the mobile terminal 20 via the interactive service server 50 that provides an interactive service. For example, the merchandise information providing unit 652 designates the mobile terminal 20 as a destination at a timing designated by the operator or at a predetermined timing, and causes the communication unit 640 to send the merchandise information to the interactive service server 50. The mobile terminal 20 designated as the destination may be the mobile terminals 20 of all users stored in the user database 632, or may be the mobile terminals 20 of some users. The provided product information may be extracted randomly from the product database 634, may be extracted according to the destination, or may be designated by the operator.

  The accepting unit 654 accepts a product purchase request from the mobile terminal 20 received by the communication unit 640. For example, the reception unit 654 receives a user identification key in the interactive service as a product purchase request, and identifies a user associated with the user identification key in the user database. In addition, the reception unit 654 refers to the provision information database 636 and identifies a product corresponding to the latest product information provided to the identified user as a product related to the product purchase request. For example, when the reception unit 654 identifies the user corresponding to the user ID “U000001”, the reception unit 654 refers to the provision information database 636 illustrated in FIG. The product ID “S000004” is identified, and the product database 634 is referenced to identify the product “smart watch” corresponding to the product ID “S000004”.

  The settlement URL issuing unit 656 issues a settlement URL as an example of key information used for purchasing a product related to a product purchase request. The settlement URL includes connection information to the relay server 30 and identification information individually assigned to the product purchase request. The settlement URL issuing unit 656 generates a settlement URL based on the receipt of the product purchase request by the accepting unit 654, and issues the settlement URL by associating the generated settlement URL with the product purchase request in the purchase information database. May be. Alternatively, the settlement URL issuing unit 656 selects a settlement URL from a group of URLs generated in advance based on reception of the product purchase request by the reception unit 654, and the selected settlement URL and the product purchase request are purchased in the purchase information database. The URL for settlement may be issued by associating in. The settlement URL may be a URL with a time limit. In this case, execution of settlement based on the settlement URL after the set period has elapsed can be restricted.

  The communication unit 640 transmits to the relay server 30 the amount of the product specified by the receiving unit 654 and the settlement URL issued by the settlement URL issuing unit 656. Further, the communication unit 640 transmits the product name and price of the product specified by the receiving unit 654 and the settlement URL issued by the settlement URL issuing unit 656 to the mobile terminal 20 via the interactive service server 50. To do.

<4. Configuration of mobile terminal>
The configuration of the member store server 60 has been described above. Next, the configuration of the mobile terminal 20 will be described with reference to FIG.

  FIG. 10 is an explanatory diagram showing the configuration of the mobile terminal 20. As illustrated in FIG. 10, the mobile terminal 20 includes an operation unit 220, a display unit 230, a communication unit 240, and an application 250.

(Operation section)
The operation unit 220 detects an operation by a user of the mobile terminal 20. For example, the user can input a product purchase request, a settlement execution instruction, authentication information, and the like by operating the operation unit 220. Specific examples of the operation unit 220 include a touch panel, a keyboard, a mouse, or a button.

(Display section)
The display unit 230 can display various screens based on control from the application 250. For example, the display unit 230 according to the present embodiment displays an interactive screen for an interactive service. Note that the display unit 230 may be a liquid crystal display or an OLED (Organic Light Emitting Diode).

(Communication Department)
The communication unit 240 is an interface between the relay server 30 and the interactive service server 50, and performs communication with the relay server 30 and with the interactive service server 50. For example, the communication unit 240 functions as a transmission unit that transmits a product purchase request to the interactive service server 50 and as a reception unit that receives a settlement URL or the like from the member store server 60 via the interactive service server 50. It has a function.

(application)
The application 250 includes a browser application 260 and an interactive application 270 as shown in FIG.

  The browser application 260 includes a display control unit that displays a screen provided from the relay server 30 on the display unit 230, and a transmission control unit that causes the communication unit 240 to transmit information input to the operation unit 220 to the relay server 30. It has a function. For example, when executing the settlement, the browser application 260 displays an authentication information input screen on the display unit 230 and causes the communication unit 240 to transmit the authentication information input on the input screen to the relay server 30.

  The interactive application 270 is an application used for using the service provided by the interactive service server 50 in the mobile terminal 20. In particular, the interactive application 270 according to the present embodiment causes the display unit 230 to display an interactive screen including product information provided from the member store server 60, as described with reference to FIG. Further, the interactive application 270 makes a product purchase request based on a user operation on the operation unit 220 (for example, selection of an image that signifies a product purchase request associated with a predetermined financial institution).

  Further, when the payment application URL is received from the member store server 60 via the interactive service server 50, the interactive application 270 causes the display unit 230 to display an interactive screen including the payment URL. This point will be specifically described with reference to FIG.

  FIG. 11 is an explanatory diagram showing a specific example of an interactive screen including a settlement URL. As shown in FIG. 11, when a payment URL or the like is received from the member store server 60, a message for inducing payment is added to the dialog screen. The message includes the settlement URL 78 in addition to the product information such as the product name “smart watch” and the amount “xxxxxxxx yen”. When the settlement URL 78 is selected by the user of the mobile terminal 20, the browser application 260 is activated after the mobile terminal 20 is connected to the relay server 30 based on the settlement URL 78.

<5. Configuration of relay server>
The configuration of the mobile terminal 20 has been described above. Next, the configuration of the relay server 30 will be described with reference to FIG.

  FIG. 12 is an explanatory diagram showing the configuration of the relay server 30. As illustrated in FIG. 12, the relay server 30 includes a settlement information database 320, a communication unit 340, and a relay application 350.

(Settlement information database)
The settlement information database 320 is a database that stores the URL for settlement and the amount received from the member store server 60 by the communication unit 340 in association with each other.

(Communication Department)
The communication unit 340 is an interface with the mobile terminal 20, the payment server 40, the interactive service server 50, and the member store server 60, and is between the mobile terminal 20, the payment server 40, the interactive service server 50, and the member store server 60. It has a function as a transmitting unit and a function as a receiving unit for performing communication. For example, the communication unit 340 receives authentication information from the mobile terminal 20, transmits authentication information to the payment server 40, receives a payment URL and an amount from the member store server 60, or makes a payment to the member store server 60. Or send a completion notification.

(Relay application 350)
The relay application 350 has functions of a payment information reception unit 351, a payment amount notification unit 352, a payment relay unit 353, a payment result relay unit 354, and a member store site guidance unit 355.

  When the payment information such as the payment URL and the amount is received from the member store server 60 by the communication unit 340, the payment information reception unit 351 stores the payment URL and the amount in association with each other in the payment information database 320.

  The payment amount notification unit 352 notifies the payment server 40 of the payment amount. Specifically, when there is an access based on the settlement URL from the mobile terminal 20, the settlement amount notification unit 352 specifies the amount stored in the settlement information database 320 in association with the settlement URL, and the amount is displayed. The settlement server 40 is notified of the settlement amount. Here, the payment URL includes identification information individually assigned to the product purchase request, and the payment information database 320 stores the payment URL and the payment amount for the product purchase request in association with each other. Therefore, as described above, the payment amount can be uniquely specified from the payment URL used for access from the mobile terminal 20.

  The settlement relay unit 353 controls communication relay for settlement performed between the mobile terminal 20 and the settlement server 40. For example, when the authentication information is received from the mobile terminal 20 by the communication unit 340, the payment relay unit 353 controls the relay of the authentication information from the communication unit 340 to the payment server 40. Further, when the amount confirmation screen is received from the settlement server 40 by the communication unit 340, the settlement relay unit 353 controls the relay from the communication unit 340 on the amount confirmation screen to the mobile terminal 20.

  The settlement result relay unit 354 controls the relay of the settlement result by the settlement server 40 to the member store server 60. For example, when the payment completion notification is received from the payment server 40 by the communication unit 340, the payment result relay unit 354 controls the relay of the payment completion notification from the communication unit 340 to the member store server 60.

  When the communication unit 340 receives a payment completion notification from the payment server 40, the member store site guiding unit 355 performs control for guiding the display of the mobile terminal 20 to the member store site. For example, the member store site guiding unit 355 may control transmission to the mobile terminal 20 of a screen including a message indicating that the settlement is completed and a selection button for shifting to the member store site.

<6. Payment Server Configuration>
The configuration of the relay server 30 has been described above. Next, the configuration of the settlement server 40 will be described with reference to FIG.

  FIG. 13 is an explanatory diagram showing the configuration of the settlement server 40. As shown in FIG. 13, the payment server 40 includes an authentication information database 420, a communication unit 440, and a control unit 450.

(Authentication information database)
The authentication information database 420 is a database that stores authentication information of the user of the mobile terminal 20. The authentication information includes login information such as a store number, a subject, an account number, and a login password. Further, the authentication information database 420 may store a funds transfer password used for transferring funds for each user.

(Communication Department)
The communication unit 440 is an interface with the relay server 30 and communicates with the relay server 30. For example, the communication unit 440 receives a payment amount, authentication information, a funds transfer password, and the like from the relay server 30, and transmits a login screen, a payment completion notification, and the like to the mobile terminal 20 via the relay server 30.

(Control part)
The control unit 450 controls the overall operation of the payment server 40. In particular, the control unit 450 of the payment server 40 according to the present embodiment has functions of a payment information reception unit 451, an authentication unit 452, a payment unit 453, a logout unit 454, and a payment result notification unit 455.

  The payment information reception unit 451 receives the payment amount transmitted from the relay server 30 and holds the payment amount in order to perform payment with the payment amount when authentication is successful.

  The authentication unit 452 authenticates the legitimacy of the user of the mobile terminal 20 for login based on the authentication information transmitted from the mobile terminal 20 via the relay server 30. For example, the authentication unit 452 performs authentication by confirming whether an ID and password pair transmitted from the mobile terminal 20 as authentication information is stored in the authentication information database.

  The settlement unit 453 performs settlement for product purchase. Specifically, the settlement unit 453 moves the funds of the settlement amount received by the settlement information receiving unit 451 from the user account of the mobile terminal 20 to the member store account based on the successful authentication by the authentication unit 452. Let

  The logout unit 454 ends the login state of the user of the mobile terminal 20 after the settlement by the settlement unit 453 is completed.

  The settlement result notification unit 455 notifies the relay server 30 of the settlement result by the settlement unit 453. For example, the payment result notification unit 455 transmits a payment completion notification to the relay server 30 when the payment by the payment unit 453 is successful, and sends a payment failure notification to the relay server 30 when the payment by the payment unit 453 fails. Send.

<7. Operation>
The configuration of the information processing system according to this embodiment has been described above. Subsequently, the operation of the information processing system according to the present embodiment will be described with reference to FIGS. 14 and 15.

  14 and 15 are explanatory diagrams showing the operation of the information processing system according to the present embodiment. As shown in FIG. 14, when the member store server 60 transmits product information to the interactive service server 50 (S702), the interactive service server 50 displays an interactive screen between the mobile terminal 20 and the interactive service server 50. By adding the product information, the product information is transmitted to the mobile terminal 20 (S704).

  Then, the mobile terminal 20 activates the interactive application 270 and displays an interactive screen including the product information. Here, when the user desires to purchase a product related to the product information, the user performs an operation of selecting the image 76 shown in FIG. 3 as a product purchase request (S708). The mobile terminal 20 transmits a product purchase request to the interactive service server 50 based on the operation by the user (S710), and the interactive service server 50 receives the product purchase request and the user specifying key of the user of the mobile terminal 20 Is transmitted to the member store server 60 (S712).

  Thereafter, the member store server 60 refers to the user database 632 based on the user identification key received from the interactive service server 50, and identifies the user who requested the purchase of the product (S714). Subsequently, the member store server 60 identifies the latest product information provided to the identified user with reference to the provision information database 636, and further refers to the product database 634 to determine the product and the product related to the latest product information. The name and amount are specified (S716, S718). Further, the member store server 60 issues a settlement URL (S720). The member store server 60 transmits the settlement URL and the product amount to the relay server 30 (S722), and transmits settlement guidance information including the settlement URL, product name, and amount to the interactive service server 50 (S724). ). The payment guidance information is transmitted from the interactive service server 50 to the mobile terminal 20 and added to the dialog screen between the mobile terminal 20 and the member store server 60 as described with reference to FIG. 11 (S728).

  When the user of the mobile terminal 20 selects the settlement URL on the dialog screen, the mobile terminal 20 connects to the relay server 30 using the settlement URL (S730). The relay server 30 identifies the settlement amount corresponding to the settlement URL used for connection from the mobile terminal 20 with reference to the settlement information database 320 (S320), and transmits the identified settlement amount to the settlement server 40.

  Thereafter, processing for settlement is performed between the mobile terminal 20 and the settlement server 40 via the relay server 30. Specifically, the settlement server 40 transmits a login screen to the mobile terminal 20 (S736), and the mobile terminal 20 activates the browser application 260 (S738). When the user inputs authentication information, the mobile terminal 20 transmits the authentication information to the settlement server 40. The settlement server 40 performs an authentication process with reference to the authentication information database 420 based on the received authentication information (S744). Here, if the authentication is successful, the settlement server 40 transmits an amount confirmation screen to the mobile terminal 20 (S746). On the other hand, when the user performs the amount confirmation operation (S748), the mobile terminal 20 transmits a confirmation notification to the settlement server 40 (S750).

  Further, the settlement server 40 transmits the fund transfer password input screen to the mobile terminal 20 (S752), and when the fund transfer password is input by the user, the mobile terminal 20 transmits the fund transfer password to the settlement server 40. (S756). The settlement server 40 executes settlement, that is, funds transfer from the user account to the member store account based on the successful verification of the fund transfer password (S758).

  Thereafter, the settlement server 40 transmits a settlement completion notification to the relay server 30 (S760), and the settlement completion screen is displayed on the mobile terminal 20 when the relay server 30 relays the settlement completion notification to the mobile terminal 20. S762). Further, the relay server 30 transmits, for example, a payment URL used for payment to the member store server 60 as a payment completion notification, so that the member store server 60 updates the “settlement status” in the purchase information database 638. In response to this, the member store, for example, starts arranging mail for the product.

  As described above, according to the present embodiment, the merchandise information provided from the member store server 60 via the interactive service server 50 without the user's authentication information being known to the interactive service server 50. Payment of such products can be realized. Therefore, according to the present embodiment, it is possible to improve the security of user authentication information.

<8. Application example>
The above-described embodiments of the present invention can be applied to various forms. Hereinafter, some application examples of the embodiment of the present invention will be described.

(First application example)
In the above description, it has been explained that the user can purchase a product related to the latest product information on the dialog screen. However, the user may desire to purchase a product related to the product information provided in the past by reviewing the previous dialog screen. Therefore, a first application example that enables purchase of products related to product information provided in the past will be described below.

  First, the mobile terminal 20 holds an image indicating a retransmission request in advance. When the user of the mobile terminal 20 desires to purchase a product related to product information provided in the past, the user selects an image indicating a retransmission request on the dialog screen. Then, the mobile terminal 20 transmits a retransmission request to the member store server 60 via the interactive service server 50.

  When the member store server 60 receives the retransmission request, the member store server 60 refers to the provision information database 636 and identifies the product information provided secondly to the user of the mobile terminal 20 that is the transmission source. Then, when the member store server 60 retransmits the product information, a display indicating the product information is newly added to the dialogue screen.

  If the product desired by the user is a product related to the resent product information, the user can purchase the product by selecting an image indicating a purchase request for the product on the dialog screen. On the other hand, when the product that the user desires to purchase is a product related to the previously provided product information, the user purchases the desired product by repeatedly selecting the image indicating the retransmission request described above. It becomes possible. In the example shown in FIG. 8, when the user “U000001” makes a retransmission request, the product information “S000003” is provided as the fifth item. The second item information “S000004” can be provided. Therefore, the member store server 60 may provide the product information by tracing back the order of the product information transmitted for the first time for each retransmission request. According to such a configuration, the product information “S000003” is provided as the fifth item, and the product information “S000002” can be provided to the user when a retransmission request is made.

(Second application example)
In the above, the example in which the settlement URL is used for specifying the settlement amount in the relay server 30 has been described. However, the settlement URL is only an example of the key information, and the key information is not limited to the settlement URL. For example, the member store server 60 may transmit the password to the relay server 30 as key information together with the payment amount, and may transmit the password to the mobile terminal 20. In this case, when the mobile terminal 20 connects to the relay server 30 and transmits the password input by the user to the relay server 30, the relay server 30 specifies the settlement amount associated with the received password. Is possible.

<9. Hardware configuration>
The information processing system according to the embodiment of the present invention has been described above. The processing for issuing the settlement URL and the information processing for various communications in the information processing system described above are realized by cooperation of software and hardware of the member store server 60 described below.

  FIG. 16 is a block diagram showing a hardware configuration of the member store server 60. The member store server 60 includes a CPU (Central Processing Unit) 601, a ROM (Read Only Memory) 602, a RAM (Random Access Memory) 603, and a host bus 604. The member store server 60 includes a bridge 605, an external bus 606, an interface 607, an input device 608, a display device 609, an audio output device 610, a storage device 611, a drive 612, and a network interface 615. Is provided.

  The CPU 601 functions as an arithmetic processing device and a control device, and controls the overall operation in the member store server 60 according to various programs. Further, the CPU 601 may be a microprocessor. The ROM 602 stores programs used by the CPU 601 and calculation parameters. The RAM 603 temporarily stores programs used in the execution of the CPU 601, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 604 including a CPU bus. Note that the functions of the relay application 350 described with reference to FIG. 5 can be realized by the cooperation of the CPU 601, the ROM 602, the RAM 603, and the software.

  The host bus 604 is connected to an external bus 606 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 605. Note that the host bus 604, the bridge 605, and the external bus 606 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 608 includes an input unit for inputting information such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch, and a lever, and an input control circuit that generates an input signal based on the input by the user and outputs the input signal to the CPU 601. Etc. The user of the member store server 60 can input various data and instruct processing operations to the member store server 60 by operating the input device 608.

  The display device 609 includes display devices such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, and a lamp. The audio output device 610 includes an audio output device such as a speaker and headphones.

  The storage device 611 is a data storage device configured as an example of a storage unit of the member store server 60 according to the present embodiment. The storage device 611 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 611 is configured with, for example, an HDD (Hard Disk Drive). The storage device 611 drives a hard disk and stores programs executed by the CPU 601 and various data. The storage apparatus 611 can realize the functions of various databases described with reference to FIG.

  The drive 612 is a storage medium reader / writer and is built in or externally attached to the member store server 60. The drive 612 reads information recorded in the removable storage medium 24 such as a mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs it to the RAM 603. The drive 612 can also write information into the removable storage medium 24.

  The network interface 615 is a communication interface configured with, for example, a communication device for connecting to the network 12. The network interface 615 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication.

  Although the hardware configuration of the member store server 60 has been described above with reference to FIG. 16, the hardware of the mobile terminal 20, the relay server 30, the settlement server 40, and the interactive service server 50 is substantially the same as that of the member store server 60. Therefore, the description is omitted.

<10. Conclusion>
As described above, according to the present embodiment, the merchandise information provided from the member store server 60 via the interactive service server 50 without the user's authentication information being known to the interactive service server 50. Payment of such products can be realized. Therefore, according to the present embodiment, it is possible to improve the security of user authentication information.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, the example in which the relay server 30 relays communication between the settlement server 40 and the mobile terminal 20 has been described above, but the information processing system according to the present embodiment may not include the relay server 30. In this case, the settlement server 40 functions as a second server that implements the function of the relay application 350.

  Further, each step in the processing of the information processing system of this specification does not necessarily have to be processed in time series in the order described in the sequence diagram. For example, each step in the processing of the information processing system may be processed in an order different from the order described as the sequence diagram or may be processed in parallel.

  In addition, the above-described mobile terminal 20, relay server 30, payment, and the like are incorporated in hardware such as CPU, ROM, and RAM built in the mobile terminal 20, relay server 30, payment server 40, interactive service server 50, and member store server 60. It is also possible to create a computer program for exerting functions equivalent to the configurations of the server 40, the interactive service server 50, and the member store server 60. A storage medium storing the computer program is also provided.

12 network 20 mobile terminal 24 removable storage medium 30 relay server 40 payment server 50 interactive service server 60 member store server 72 display 76 image 220 operation unit 230 display unit 240 communication unit 250 application 260 browser application 270 interactive application 320 payment information database 340 Communication unit 350 Relay application 351 Settlement information reception unit 352 Settlement amount notification unit 353 Settlement relay unit 354 Settlement result relay unit 355 Member store site guidance unit 420 Authentication information database 440 Communication unit 450 Control unit 451 Settlement information reception unit 452 Authentication unit 453 Payment unit 454 Logout unit 455 Payment result notification unit 540 Communication unit 550 Information management unit 560 Reception management unit 570 Payment URL notification unit 632 User database 6 4 product database 636 provides information database 638 purchase information database 640 communication unit 650 control unit 652 product information providing unit 654 receiving unit 656 settlement for the URL issuing unit

Claims (7)

A product information providing unit that provides product information to a user device via a first server that provides a first service;
A reception unit that receives a product purchase request from the user device via the first server;
A key information issuing unit that issues key information including identification information individually assigned to the product purchase request;
The information related to the product related to the product purchase request and the key information are transmitted to the user device via the first server, and the key information and the price information of the product related to the product purchase request are sent to the second service. A transmitting unit for transmitting to a second server providing
An information processing apparatus comprising:   The information processing apparatus according to claim 1, wherein the key information is a URL used for the user device to connect to the second server. The second server provides a relay service for a financial transaction performed between a financial institution and the user device;
The information processing apparatus includes:
3. The information processing apparatus according to claim 1, further comprising: a receiving unit configured to receive a payment completion notification including the key information from the second server when payment for the product related to the product purchase request is completed. . The information processing apparatus includes:
A provision information storage unit for storing product information provided to the user device by the product information provision unit;
The reception unit refers to the provision information storage unit based on reception of the product purchase request, and identifies a product corresponding to the latest product information provided to the user device as a product related to the product purchase request. The information processing apparatus according to any one of claims 1 to 3. The accepting unit accepts a request for resending product information from the user device via the first server,
The product information providing unit refers to the provided information storage unit based on acceptance of the retransmission request by the accepting unit, and again provides non-latest product information provided to the user device to the user device. Item 5. The information processing apparatus according to Item 4.   The information processing apparatus according to claim 1, wherein the key information is a URL with a time limit that is used for the user device to connect to the second server. Computer
A product information providing unit that provides product information to a user device via a first server that provides a first service;
A reception unit that receives a product purchase request from the user device via the first server;
A key information issuing unit that issues key information including identification information individually assigned to the product purchase request;
The information related to the product related to the product purchase request and the key information are transmitted to the user device via the first server, and the key information and the price information of the product related to the product purchase request are sent to the second service. A transmitting unit for transmitting to a second server providing
Program to function as

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