JP7570451B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

Article 30, Paragraph 2 of the Patent Act applies December 14, 2020 https://card. yahoo. co. jp/paypaycard/campaign/? _ga=2.201100910.112046335.1678430584-21%5B

The present invention relates to an information processing device, an information processing method, and an information processing program.

Conventionally, electronic payment services that use electronic money to pay for items are known. For example, one type of electronic payment service is a method in which a payment is made by displaying or reading a two-dimensional code or the like using a terminal device carried by a user.

For example, in electronic payment services, a technology has been proposed for post-payment settlement in which a user links a credit card to their wallet and pays the amount used for electronic money settlement in a lump sum at a later date (see, for example, Patent Document 1).

JP 2022-158810 A

However, with conventional technology, users had to apply for linked services such as postpaid services and for a credit card separately, leaving room for improvement in terms of allowing users to apply for multiple services efficiently.

The present invention has been made in consideration of the above, and aims to provide an information processing device, an information processing system, an information processing method, and an information processing program that allow a user to efficiently apply for multiple services.

In order to solve the above-mentioned problems and achieve the object, the information processing device according to the present invention includes a reception unit that receives an application for a payment service from a user, and a provision unit that provides an application screen for an associated service that can be used with a specified service when the application for the payment service is received by the reception unit.

The present invention allows users to efficiently apply for multiple services.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram showing an example of application conditions for a linked service. FIG. 3 is a diagram showing an example of a screen transition according to the embodiment. FIG. 4 is a diagram showing an example of a screen transition according to the embodiment. FIG. 5 is a block diagram illustrating an example of the configuration of an information processing device according to the embodiment. FIG. 6 is a flowchart illustrating an example of a processing procedure of a providing process according to the embodiment. FIG. 7 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments.

[Embodiment]
[1. Information Processing]
First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment. In the following, a case will be described in which the payment service is a service related to credit card credit transactions, and the predetermined service is a service related to electronic money payment using a user terminal 100 of a user.

As shown in FIG. 1, the information processing device 1 according to the embodiment is, for example, an information processing device operated by a credit card company, and is realized, for example, by a server device or a cloud system.

For example, the credit card company shown in FIG. 1 cooperates with electronic payment businesses and portal site businesses to provide various services to users. In this embodiment, the information processing device 1 accepts a credit card application from a user.

The electronic payment server 200 owned by the electronic payment business operator is a server device that provides electronic money payment services to each user. For example, the electronic payment server 200 is an information processing device that provides electronic payment services related to electronic payments using the user terminal 100 and performs various payments. For example, the electronic payment server 200 manages the accounts of providers (businesses) of transaction objects and users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts in accordance with payment requests from users.

The portal server 300 owned by the portal site operator is a server device that operates the portal site. The portal site includes various EC sites such as online shopping, auctions, and flea markets, as well as services such as internet connection, search services, SNS (Social Networking Service), electronic commerce, electronic payment, online games, online banking, online trading, hotel and ticket reservations, and video and music distribution.

The user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), etc. The user terminal 100 also displays information distributed by the information processing device 1, the electronic payment server 200, and the portal server 300 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smartphone.

Here, prior to the provision process executed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. Note that in the following description, an example will be described in which a user makes a payment using the user terminal 100 using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information that identifies store A, but the embodiment is not limited to this. The example of payment described below can also be applied when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. Furthermore, the store identification information may be not only a QR code, but also a barcode, a specified mark, a number, etc.

For example, when a user makes a payment for the use or purchase of a payment object (transaction object) such as various products or services at store A, the user launches a payment app pre-installed on the user terminal 100. The user then photographs the store identification information installed at store A via the payment app. In such a case, the user terminal 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from the user or a store clerk at store A. The user terminal 100 then transmits to the electronic payment server 200 the user identification information that identifies the user, the store identification information (or information indicated by the store identification information, i.e., information indicating store A (or the operator of store A) (e.g., a store ID), and payment information indicating the payment amount.

In such a case, the electronic payment server 200 transfers electronic money in the amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A indicated by the store identification information. The electronic payment server 200 then sends a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies the user that the payment has been made with electronic money by displaying a screen or outputting a specified sound indicating that the payment has been completed.

A more detailed example will be described. For example, the store identification information installed in store A is a URL set for each store, and is linked to group identification information indicating the group to which store A belongs and group store identification information identifying store A in the group, and is managed so that the electronic payment server 200 can refer to it. The URL that is the store identification information is a URL for accessing the electronic payment server 200. When the user terminal 100 photographs the store identification information, it accesses the URL indicated by the photographed store identification information and transmits the user identification information. In such a case, the electronic payment server 200 identifies the group identification information corresponding to the accessed URL, and identifies the electronic money account (sometimes displayed as "wallet") that is linked to the identified group identification information. Next, the electronic payment server 200 causes the user terminal 100 to display an amount input screen and input the amount. Then, the electronic payment server 200 identifies the group identification information from the wallet linked to the user identification information received from the user terminal 100, and transfers the input amount of electronic money to the wallet linked to the identified group identification information. Note that the electronic payment server 200 may also transfer the electronic money to a wallet linked to the group identification information and the group store identification information.

Note that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100 and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., user ID), the payment amount, and information identifying store A) to the electronic payment server 200. In such a case, the electronic payment server 200 transfers electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to store A's account, and may notify the store terminal of store A or the user terminal 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

More specifically, the user terminal 100 sends a payment request to the electronic payment server 200 together with the user identification information. In such a case, the electronic payment server 200 generates a one-time code, links the generated one-time code to the user identification information, and sends the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information that identifies the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the electronic payment server 200. The electronic payment server 200 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

Furthermore, payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to store A's account, but may also be a payment using, for example, a credit card that the user has previously registered. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to store A's account and bill the operating company (card company) of the user's credit card for the payment amount.

In recent years, electronic money payments using the above-mentioned QR codes are becoming more and more common. In electronic money payments, a service is provided in which a user's wallet is linked to the user's credit card, and electronic money payments made by the user are charged at a later date as a lump sum withdrawal from the credit card. In the following, such services will be referred to as deferred payment services.

Conventionally, when a user applied for a deferred payment service, they had to apply separately from their credit card application. In other words, a user who applied for a credit card would have to apply for the deferred payment service at a later date, after undergoing a credit check.

The information processing device 1 according to the embodiment therefore provides an application screen for a deferred payment service for electronic money settlement when the user applies for a credit card. Specifically, as shown in FIG. 1, the information processing device 1 accepts an application for a credit card from the user through the user terminal 100 (step S1).

For example, the information processing device 1 accepts a credit card application from the user terminal 100 via a web browser. For example, when a user signs a contract for a mobile phone at a brick-and-mortar store, an employee may provide the user with credit card membership information before the user applies for the credit card.

In this case, the user applies for a credit card to pay the mobile phone charges and the like. When the information processing device 1 accepts the application for the credit card, it provides an application screen for the deferred payment service.

When the information processing device 1 accepts a credit card application from a user, it requests the user to log in to a portal site operated by the portal server 300 (step S2).

Then, the information processing device 1 acquires the login information entered by the user from the user terminal 100 (step S3). For example, the login information includes any one of the following information: a user ID, a telephone number, and an email address. At this time, if the user does not have an account on the portal site, the user will access the portal server 300 and open a new account.

Based on the login information acquired from the user terminal 100, the information processing device 1 queries the portal server 300 for the user ID of the user account on the portal site (step S4). Note that hereinafter, the portal site user ID may be referred to as the first user ID, and the electronic payment service user ID may be referred to as the second user ID.

Then, the information processing device 1 acquires the first user ID transmitted from the portal server 300 (step S5). Next, the information processing device 1 inquires of the electronic payment server 200 whether the portal site account and the electronic payment service account are linked, using the first user ID acquired from the portal server as a key (step S6), and acquires linkage information transmitted from the electronic payment server 200 (step S7).

The information processing device 1 checks the linking information, and if the user who applied for a credit card has a portal site account linked to an electronic payment service account, it provides an application screen for the linked postpaid service.

In other words, the information processing device 1 provides a linked service application screen to a user who can immediately register for a deferred payment service after credit card screening when applying for a credit card.

Then, the electronic payment server 200 starts providing the deferred payment service to users who have also applied for the deferred payment service. For example, in the electronic payment service, the credit limit for the deferred payment service is set at 500,000 yen for usage within 24 hours and 2 million yen for usage over 30 days, and thereafter the credit limit for the deferred payment service is set according to the credit limit of the credit card.

In this way, the information processing device 1 according to the embodiment provides an application screen for an integrated service that is integrated with a credit card when applying for a credit card. This allows the user to efficiently apply for multiple services with the information processing device 1 according to the embodiment.

Next, we will use Figure 2 to explain users who can apply for a deferred payment service together with applying for a credit card. Figure 2 shows an example of application conditions for a linked service.

As shown in FIG. 2, first, a user applies for a credit card via the web, which is the credit card's LP (landing page). At this time, a user who does not have a first user ID, which is a user ID for the portal site, accesses the portal server 300 and obtains the first user ID.

Therefore, at this stage, all users have a first user ID. Next, the conditions branch depending on whether or not the user has a second user ID, which is a user ID for the electronic payment service, and for users who have a second user ID, the conditions further branch depending on whether or not the first user ID and second user ID are linked.

As a result, a user who has both a first user ID and a second user ID linked can apply for both a credit card and a deferred payment service, and if either condition is not met, the user can only apply for the credit card service.

Next, a series of screen transitions until applying for the deferred payment service will be described with reference to Figures 3 and 4. Figures 3 and 4 are diagrams showing an example of screen transitions according to an embodiment.

As shown in FIG. 3, when the credit card LP is selected, the portal site login screen G1 is displayed first. When the user enters login information on the login screen, an introduction screen G2 for applying for a credit card is displayed.

Next, the portal site displays a consent screen G3 for the provision of information to the credit card company, and when the user gives consent on the consent screen G3, the electronic payment service displays a consent screen G4 for the provision of information to the credit card company.

When the user agrees to provide information on the consent screen G4, the form step screen G5 is displayed. The form step screen G5 displays an index of the items that the user will next enter.

When the user selects "Confirm application details" on the form step screen G5, the card input screen G6 is displayed. The input screen G6 is a screen for entering the name, date of birth, etc.

At this time, as shown in FIG. 3, the name and date of birth are displayed as "uneditable" on the input screen G6. In this case, the input screen G6 is displayed with the information acquired from the electronic payment server 200 automatically entered into the input screen G6.

The information processing device 1 acquires user information that the user has already registered with the electronic payment service from the electronic payment server 200, automatically inputs the acquired user information into the input screen G6, and provides it to the user.

In other words, the information processing device 1 can simplify the input of information on the input screen G6 by the user by sharing user information with the electronic payment service. For example, a user who has not registered user information with the electronic payment service will have to input information on each item on the input screen G6 by himself/herself.

When the user then selects "Next" on the input screen G6, the application screen G11 shown in FIG. 4 is displayed. As shown in FIG. 4, the application screen G11 is an application screen for a postpaid service, which is a linked service. The postpaid service is a service that links the applied credit card to the user's wallet in the electronic payment service.

For example, when the user selects "Register" on the application screen G11, the tutorial screen G12 is displayed. For example, the tutorial screen G12 displays the procedure for setting up a deferred payment service on the application of the electronic payment service.

Then, the screen transitions from the tutorial screen G12 to the credit card terms of use screen G13, and when the user agrees to the terms of use, an account setting screen for inputting the credit card withdrawal account is displayed.

2-1. Example of the configuration of an information processing device
Next, a configuration example of the information processing device 1 will be described with reference to Fig. 5. Fig. 5 is a block diagram showing a configuration example of the information processing device 1 according to an embodiment. As shown in Fig. 5, the information processing device 1 has a communication unit 20, a storage unit 30, and a control unit 40.

The communication unit 20 is realized, for example, by a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information between the communication unit 20 and the user terminal 100, etc.

The storage unit 30 is realized, for example, by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

The control unit 40 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 1 using the RAM as a working area. The control unit 40 is also realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 40 according to the embodiment has a reception unit 41, an acquisition unit 42, a determination unit 43, and a provision unit 44, and realizes or executes the functions and actions of information processing described below.

The reception unit 41 accepts applications for credit cards from users. For example, the reception unit 41 accepts applications for credit cards from each user's user terminal 100 via a web browser. The reception unit 41 accepts applications for credit cards that are linked to a payment application.

For example, the reception unit 41 provides a login screen G1 (see FIG. 2) of a portal site operated by the portal server 300 to a user who has received a credit application. The reception unit 41 then acquires login information (for example, on the portal site) entered by the user into the login screen G1, and passes it to the acquisition unit 42.

The reception unit 41 also displays the input screen G6 (see FIG. 2) on which the user who applied for the credit card inputs user information, with the user information registered in the electronic payment service entered.

The acquisition unit 42 acquires account information of the user applying for a credit card from the electronic payment service. Specifically, the acquisition unit 42 first acquires a first user ID from the portal server 300 based on the login information for the portal site received from the acceptance unit 41.

In addition, based on the acquired first user ID, the acquisition unit 42 inquires from the electronic payment server 200 whether the first user ID and the second user ID have been linked, and acquires linkage information from the electronic payment server 200.

The linkage information is information regarding whether the first user ID and the second user ID are linked or not. The acquisition unit 42 passes the acquired linkage information to the determination unit 43. In addition to the linkage information, the acquisition unit 42 acquires user information linked to the second user ID from the electronic payment server 200. For example, the user information includes name, date of birth, gender, address, occupation, annual income, bank account, etc.

The determination unit 43 determines whether the first user ID and the second user ID of the user who applied for the credit card are already linked based on the link information acquired by the acquisition unit 42.

The determination unit 43 instructs the provision unit 44 to provide an application screen G11 (see FIG. 3) for the linked service to a user who is determined to have linked based on the link information. The determination unit 43 also instructs the provision unit 44 not to provide the application screen G11 to a user who is determined not to have linked based on the link information.

When the reception unit 41 receives a credit card application, the provision unit 44 provides an application screen for an integrated service that can be used with a specified payment application. When the user has already linked the payment application with a web service and an account, the provision unit 44 provides an application screen G11 for the integrated service.

The linked service is a credit card payment service that is linked to the user's wallet opened in the payment application, and is the deferred payment service described above. More specifically, the linked service is a service in which the amount settled with the user's wallet is billed at a later date as a credit card payment.

The linked service is not limited to a postpaid service, but may be other services. For example, the providing unit 44 may provide an application screen G11 for a linked service selected based on a predetermined condition from among the linked services already being used by a user who is using a credit card.

The specified condition here refers to linked services that are used by a certain percentage or more of users who currently use credit cards. A specific example of a linked service is auto-charging the wallet of an electronic payment service.

3. Processing flow
Next, a process procedure executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 6. Fig. 6 is a flowchart showing an example of the process procedure of the provision process according to the embodiment. Note that the process procedure shown below is executed by the information processing device 1.

As shown in FIG. 6, first, the information processing device 1 accepts a credit card application from a user via the user terminal 100 (step S101). Next, the information processing device 1 provides the user with a login screen for the portal site (step S102).

Next, the information processing device 1 acquires a first user ID from the portal server 300 based on the login information entered by the user (step S104). Next, the information processing device 1 checks with the electronic payment server 200 whether the first user ID and the second user ID have been linked based on the acquired first user ID (step S105).

Then, the information processing device 1 determines whether the first user ID and the second user ID are already linked (step S106), and if it determines that they are already linked (step S106; Yes), it provides an application screen G11 for the linked service when applying for a credit card (step S107), and ends the process.

In addition, if the information processing device 1 determines in step S106 that the first user ID and the second user ID are not linked (step S106; No), it provides only the credit card application screen (step S108) and terminates the process.

4. Modifications
In the above embodiment, the linked service is a service that links an electronic payment service with a credit card, but the present invention is not limited to this. For example, the linked service may be a service that links a credit card with a portal site. In this case, the linked service may be a service that sets the payment on the portal site to be a credit card payment.

Also, for example, the linked service may be a service that links a credit card with a securities account or a virtual currency wallet. For example, a specific example of a linked service in this case is a service that allows automatic savings of securities or virtual currency to be paid with a credit card.

In addition, in the above-described embodiment, the payment service is a service related to credit cards, and the specified service is a service related to electronic money payments, but this is not limited to the above.

In other words, any payment service can be set as a means of payment for other services, and electronic money payment may be the payment service. The linked service may also be a service that links electronic money payment, which is a payment service, to a payment application unique to each affiliated store. In this case, the payment service unique to each affiliated store can be considered to be the specified service.

5. Effects
The information processing device 1 according to the above-described embodiment includes a reception unit 41 that receives an application for a payment service from a user, and a provision unit 44 that provides an application screen for an associated service that can be used for a specified service when the application for the payment service is accepted by the reception unit 41.

The information processing device 1 also includes an acquisition unit 42 that acquires account information of a user applying for a credit card from a specified payment application, and a provision unit 44 provides an application screen for the linked service when the account information acquired by the acquisition unit 42 satisfies specified conditions.

When accepting an application for a payment service, the reception unit 41 requests the user to log in to a web service that is linked to the specified service, the acquisition unit 42 acquires information from the specified service regarding whether or not the account for the web service has been linked to the account for the specified service, and the provision unit 44 provides an application screen for the linked service when the user has linked their account with the specified service and the web service.

The providing unit 44 does not provide an application screen for the linked service to a user who has not yet linked an account with the specified service and the web service. The accepting unit 41 also displays the input screen, in which the user who applies for the payment service inputs user information, with the user information registered in the specified service entered.

The reception unit 41 also receives applications for a payment service that is linked to a specified service, and the provision unit 44 provides an application screen for the linked service that allows payments made to a user's wallet opened in the specified service to be made by credit card to the payment service.

The linked service is a service in which the amount of usage settled in the user's wallet up to the closing date is billed at a later date as a credit card payment. The providing unit 44 also provides an application screen for a linked service selected based on predetermined conditions from among the services already being used by the user who is using a credit card.

By using any one or a combination of the above-mentioned processes, the information processing device according to the present application allows the user to efficiently apply for multiple services.

6. Hardware Configuration
The information processing device 1 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 9. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 1 according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a HDD 1400, a communication interface (I/F) 1500, an input/output interface (I/F) 1600, and a media interface (I/F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400, and controls each component. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, and programs that depend on the hardware of the computer 1000, etc.

HDD 1400 stores programs executed by CPU 1100 and data used by such programs. Communication interface 1500 receives data from other devices via network (communication network) N and sends it to CPU 1100, and transmits data generated by CPU 1100 to other devices via network N.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 9, the output devices and input devices are collectively referred to as "input/output devices") via the input/output interface 1600. The CPU 1100 acquires data from the input devices via the input/output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input/output interface 1600.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

For example, when the computer 1000 functions as the information processing device 1 according to the embodiment, the CPU 1100 of the computer 1000 realizes the functions of the control unit 40 by executing programs loaded onto the RAM 1200. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

Although several embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the disclosure section of the invention.

[7. Other]
Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

The above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

Reference Signs List 1 Information processing device 20 Communication unit 30 Storage unit 40 Control unit 41 Acceptance unit 42 Acquisition unit 43 Determination unit 44 Provision unit 100 User terminal 200 Electronic settlement server 300 Portal server

Claims (10)

A reception unit that receives an application for a payment service from a user;
an acquisition unit that acquires account information of a user who applies for the payment service from a predetermined service;
a providing unit that provides an application screen for an associated service that can be used in the predetermined service when the accepting unit accepts an application for the payment service;
Equipped with
The reception unit is
When accepting an application for the payment service, a request is made to a user to log in to a web service that is linked to the predetermined service;
The acquisition unit is
Obtaining information regarding whether the account of the web service is linked to an account of the specific service from the specific service;
The providing unit is
and providing a screen for applying for the linked service when a user has already linked an account between the predetermined service and the web service. A reception unit that receives an application for a payment service from a user;
an acquisition unit that acquires account information of a user who applies for the payment service from a predetermined service;
a providing unit that provides an application screen for an associated service that can be used in the predetermined service when the application for the payment service is accepted by the accepting unit,
The acquisition unit is
Acquire account linkage information for each service as the account information,
The providing unit is
An information processing device characterized in that, based on the account information acquired by the acquisition unit, an application screen for the linked service is provided to the user for whom the specified service and a specific service that is to be determined as to whether the accounts are linked or not are linked. The providing unit is
The information processing device according to claim 1 , wherein the application screen for the linked service is not provided to a user who has not yet linked an account between the predetermined service and the web service. The reception unit is
Accepting an application for the payment service linked to the predetermined service;
The providing unit is
3. The information processing device according to claim 1 , further comprising: a screen for applying for the linked service that allows payment of the user's wallet opened in the predetermined service to be made by credit card payment of the settlement service. The linked service includes:
5. The information processing device according to claim 4 , wherein the service comprises a lump sum payment for the amount of usage settled in the user's wallet up to a closing date, which is to be paid by the credit card at a later date. The providing unit is
The information processing device according to claim 1 or 2 , further comprising: a screen for applying for an associated service selected based on a predetermined condition from among associated services already being used by the user using the payment service. 1. A computer-implemented information processing method, comprising:
A receiving step of receiving an application for a payment service from a user;
an acquisition step of acquiring account information of a user who applies for the payment service from a predetermined service;
a providing step of providing an application screen for an associated service available in the predetermined service when an application for the payment service is accepted by the accepting step;
Including,
The receiving step includes:
When accepting an application for the payment service, a request is made to a user to log in to a web service that is linked to the predetermined service;
The obtaining step includes:
Obtaining information regarding whether the account of the web service is linked to an account of the specific service from the specific service;
The providing step includes:
providing a screen for signing up for the linked service when a user has already linked accounts for the predetermined service and the web service. An acceptance procedure for accepting an application for a payment service from a user;
an acquisition step of acquiring account information of a user who applies for the payment service from a predetermined service;
a providing step of providing an application screen for an associated service available in the predetermined service when an application for the payment service is accepted by the accepting step;
Run the following on your computer:
The reception procedure includes:
When accepting an application for the payment service, a request is made to a user to log in to a web service that is linked to the predetermined service;
The acquisition step includes:
Obtaining information regarding whether the account of the web service is linked to an account of the specific service from the specific service;
The providing step includes:
providing a screen for applying for the linked service when a user has already linked accounts for the predetermined service and the web service. 1. A computer-implemented information processing method, comprising:
A receiving step of receiving an application for a payment service from a user;
an acquisition step of acquiring account information of a user who applies for the payment service from a predetermined service;
a providing step of providing an application screen for an associated service available in the predetermined service when the application for the payment service is accepted by the accepting step,
The obtaining step includes:
Acquire account linkage information for each service as the account information,
The providing step comprises:
an information processing method comprising: providing an application screen for the linked service to the user for whom the specified service and a specific service for which it is to be determined whether the accounts are linked , based on the account information acquired by the acquisition process. An acceptance procedure for accepting an application for a payment service from a user;
an acquisition step of acquiring account information of a user who applies for the payment service from a predetermined service;
a providing step of providing an application screen for an associated service available in the predetermined service when an application for the payment service is accepted by the accepting step;
The acquisition step includes:
Acquire account linkage information for each service as the account information,
The providing step comprises:
and providing an application screen for the linked service to the user for whom the specified service and a specific service that is to be determined as to whether the accounts are linked , based on the account information acquired by the acquisition procedure.

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