JP7153160B1 - Processing system, processing method and program - Google Patents

Abstract

An object of the present invention is to improve user convenience. The wallet management unit includes an account management unit that manages virtual accounts prepared for each use in one bank account, and a wallet management unit that manages electronic wallets prepared for each type of expenditure. requests the account management unit to remit the specified amount based on an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money, and The processing system, wherein the unit executes a third process of transferring the specified amount of money to the wallet management unit from a virtual account for use according to the type of expenditure based on the request. [Selection drawing] Fig. 1

Description

The present invention relates to a processing system, processing method, and program.

Conventionally, a control program executed by an information processing apparatus includes a reception procedure for receiving the amount of deposited corporate currency, and setting information regarding expenditure set for each expenditure category indicating the type of expenditure. A control program is disclosed that causes the information processing device to execute a sorting procedure for allocating the amount of corporate currency accepted according to the procedure to each expenditure category (see Patent Document 1).

JP 2020-087141 A

However, in the above process, there are cases where it cannot be said that the convenience for the user is sufficiently high.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and one of its objects is to provide a processing system, a processing method, and a program that can improve convenience for users.

One aspect of the present invention comprises an account management unit that manages virtual accounts prepared for each use in one bank account, and a wallet management unit that manages electronic wallets prepared for each type of expenditure, The wallet management unit requests the account management unit to remit the specified amount based on the instruction to charge the electronic wallet of the specified type of expenditure with the specified amount of electronic money, The account management unit executes a third process of transferring the specified amount of money to the wallet management unit from a virtual account for use according to the type of expenditure based on the request.

According to one aspect of the present invention, it is possible to provide a processing system, a processing method, and a program that can improve convenience for users.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. 1 is a diagram illustrating a general flow of electronic payment; FIG. 2 is a configuration diagram of a settlement server 100; FIG. 3 is a diagram showing an example of contents of user information 210. FIG. 3 is a diagram showing an example of contents of store information 220. FIG. It is a figure for demonstrating allocation of charge amount. FIG. 10 is a diagram showing an example of an interface screen IM1; FIG. 10 is a diagram showing an example of an interface screen IM2; FIG. 10 is a diagram showing an example of an interface screen IM3; FIG. 10 is a diagram showing an example of an interface screen IM4; FIG. 10 is a diagram showing an example of an interface screen IM5; FIG. 11 is a diagram showing an example of an interface screen IM6; FIG. 11 is a diagram showing an example of the contents of second wallet information 214. FIG. FIG. 4 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system; It is a figure which shows an example of functional structure of 10 A of user terminal devices of 2nd Embodiment. 3 is a diagram showing an example of a functional configuration of a bank server 300; FIG. It is a figure which shows an example of a bank content. FIG. 4 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system; FIG. 4 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system; 3 is a diagram showing an example of contents of correspondence information 360. FIG. FIG. 11 is a diagram showing an example of an interface screen IM7; FIG. FIG. 4 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system; 21 is a diagram showing an example of an interface screen displayed on the display unit in the process of FIG. 20; FIG. FIG. 10 is a diagram showing another example of the interface screen; FIG. 11 is a diagram showing an example of an interface screen IM8; FIG. FIG. 11 is a diagram showing an example of an interface screen IM9; FIG. FIG. 4 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system; 4 is a diagram showing an example of contents of correspondence information 216. FIG. FIG. 10 is a diagram showing an example of an interface screen IM10. FIG.

Hereinafter, embodiments of a processing system, a processing method, and a program of the present invention will be described with reference to the drawings.

<First Embodiment>
The processing system of this embodiment includes a wallet management unit that manages electronic wallets prepared for each type of expenditure, and a first reception unit that receives setting of the upper limit amount of electronic money charged to the electronic wallet, The wallet management unit obtains an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money, and the amount of charging reaches the upper limit of the electronic wallet of the type of expenditure. If not, executing a first process for charging the electronic wallet of the type of expenditure with electronic money, and charging the electronic wallet of the designated type of expenditure with the specified amount of electronic money. If the instruction is obtained and the amount of said charge exceeds the maximum amount of said electronic wallet for said expenditure type, then performing a second process different from said first process.

An electronic wallet is, for example, a virtually generated wallet in an electronic payment service. The upper limit is, for example, the upper limit specified by the user or the system. The maximum amount is, for example, the maximum amount for a predetermined period (an arbitrary period such as one month). The first process is a process of charging based on a preset method, a method specified by the user, or the like. The first process is, for example, a process of transferring electronic money from a user's account to an electronic wallet in cooperation with a bank server (a process of depositing electronic money). The second processing is one or more of the following (1), (2) or (3). (1) Do not charge the specified amount of electronic money to the electronic wallet of the specified expenditure type. (2) Displaying on the display unit of the terminal device of the user of the electronic wallet information indicating that the amount of charge to the electronic wallet for the specified type of expenditure exceeds the upper limit amount. (3) The display unit displays information indicating that charging is possible within the range of the upper limit amount (for example, the amount obtained by subtracting the charging amount up to now from the upper limit amount that can be charged in a predetermined period).

The wallet management unit and the first reception unit described above may be functional units included in the same device, or may be functional units included in different devices. One or both of the wallet management unit and the first reception unit may be functional units implemented by the processor executing an application program.

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

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, a program execution function, a position measuring device (GPS), and the like. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 controls a camera, a communication device, a touch panel, and the like.

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

The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50 . The settlement server 100 performs electronic settlement, for example, by increasing or decreasing balance information managed in association with an account ID (in other words, depositing and withdrawing electronic money). The electronic payment may include a method such as revolving payment or credit payment that enables purchase of a larger amount than the balance information at the time of purchase.

FIG. 2 is a diagram illustrating a general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2. In the case of pattern 1, first, the payment application 20 is activated on the user terminal device 10, and a code image (code information) such as a QR code or barcode is displayed. The user holds up (presents) the display surface of the user terminal device 10 to the shop terminal device 50 . The shop terminal device 50 decodes the code image with an optical reading function and acquires information such as an account ID. The shop terminal device 50 then generates payment information (payment request) including the electronic payment request, account ID, payment amount, shop ID, etc., and transmits the payment information to the payment server 100 . The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 performs payment processing based on the received information.

In the case of pattern 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function. The store code image 60 includes information such as the store name. The user inputs the settlement amount into the user terminal device 10 on the screen on which the store name and the like are displayed. Then, the user terminal device 10 generates payment information (payment request) including an electronic payment request, account ID, payment amount, store ID, etc., and transmits the payment information to the payment server 100 . The payment server 100 performs payment processing based on the received information. It should be noted that electronic payment may be performed only in one of the above patterns.

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

[Settlement server]
FIG. 3 is a configuration diagram of the settlement server 100. As shown in FIG. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, a cooperation unit 140, and a storage unit 200. Content providing unit 120, payment processing unit 130, and cooperation unit 140 are each implemented by a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 200 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 200 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. Information such as user information 210 , store information 220 , and content information 230 is stored in the storage unit 200 . User information 210 includes first wallet information 212 and second wallet information 214 (details will be described later).

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

The content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service, including the above-described payment completion screen. The content providing unit 120 appropriately reads necessary content from the content information 230 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the shop terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 210 .

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

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

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

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

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

The payment processing unit 130 includes a reception unit 132 and a wallet management unit 134 . The reception unit 132 receives an instruction to generate an electronic wallet according to the type of expenditure, an instruction to set an upper limit amount of electronic money to be charged to the electronic wallet, and the like.

Based on the received instructions, the wallet management unit 134 creates an electronic wallet for each type of expenditure and sets an upper limit amount. The type of expenditure may be a type of expenditure prepared in advance, or may be a type of expenditure arbitrarily set by the user. Wallet management unit 134 manages the balance for each electronic wallet.

When a user charges electronic money, the wallet management unit 134 distributes the charge amount to a designated electronic wallet based on the user's operation. FIG. 6 is a diagram for explaining distribution of the charge amount. For example, electronic money is managed by being distributed to, for example, an electronic wallet for food expenses, an electronic wallet for entertainment expenses, and an electronic wallet for utility expenses. In the first wallet information 212, the balance of the electronic wallet for meal expenses, the balance of the electronic wallet for entertainment expenses, and the balance of the electronic wallet for utility expenses are managed. When electronic payment is made, the wallet management unit 134 refers to the first wallet information 212 and makes the payment using the balance of the set electronic wallet. In addition to food expenses, entertainment expenses, and utility expenses, the types of expenses in the electronic wallet may be set to arbitrary types such as lunch and convenience stores.

The cooperation unit 140 cooperates with other server devices. Coordination means establishing communication to transmit and receive information, and cooperating to provide services to users. The cooperation unit 140, for example, cooperates with the bank server 300 to charge electronic manners.

[Description of displayed interface screen]
Here, an interface screen displayed on the display unit of the user terminal device 10 by the payment application 20 described above will be described. FIG. 7 is a diagram showing an example of the interface screen IM1. The interface screen IM1 displays, for example, a bar code C1, a QR code, information indicating a payment method (payment from the charge balance), and buttons related to various services on the display unit. The bar code and QR code are information for the store terminal device 50 to read in payment processing. The information indicating the payment method is the payment method used in the set payment processing. The various services include, for example, a coupon application service, a shopping service, a flea market service, a taxi dispatch service, and the like.

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

When the user performs a predetermined operation (for example, operation on button B1A) on interface screen IM1, interface screen IM2 in FIG. 8 is displayed on the display unit. FIG. 8 is a diagram showing an example of the interface screen IM2. For example, an area AR1 and an area AR2 are set on the interface screen IM2. A bar code or QR code is displayed in the area AR1. The area AR2 includes information on the set electronic wallet (expenditure type “meals”), information on the balance (available amount) of the electronic wallet, and the like. The information of the set electronic wallet (expenditure type “meals”) is the type of expenditure used last time.

As shown in the interface screen IM2, when payment is made using the balance of the electronic wallet for food expenses, electronic money corresponding to the payment is deducted from the electronic wallet for food expenses. It is also possible to make a payment by simply setting the payment from the balance without specifying the type of expenditure. In this case, for example, electronic money may be deducted equally from the wallet balance of each type of expenditure, or an amount corresponding to the size of the balance may be deducted.

For example, the payment server 100 (payment application 20) may set the type of electronic wallet according to the type of store where the user is trying to make a payment. For example, if the user is in a grocery store such as a supermarket, an electronic wallet for food expenses is set up (or recommended), and if the user is in a restaurant, izakaya, or other restaurant, entertainment expenses set up an e-wallet for This processing may be performed in the case of pattern 1 or may be performed in the case of pattern 2. FIG. The payment server 100 (or the payment application 20) identifies the type of store based on the location information of the user terminal device 10 acquired by the payment application 20, or collects store information (for example, store information) acquired by the user terminal device 10. store information obtained by reading the code image 60) or user information obtained by the store terminal device 50 (for example, store terminal device 50 obtained by reading the code information displayed on the display unit of the user terminal device 10) information of the user) to identify the type of store where the user is located.

For example, when the user operates the payment application 20 and sets the electronic wallet setting to leave mode, based on the category of the store where the user is located obtained from the user's location information as described above The electronic wallet to be used may be automatically set, or the electronic wallet to be used may be determined based on the identification information (product code) of the product (or service) for which the user made payment as follows. . For example, in the case of pattern 1 (where the store terminal device 50 reads the code image), the store terminal device 50 transmits to the settlement server 100 the identification information of the product for which payment has been made. The payment server 100 may identify the electronic wallet based on the transmitted product identification information, and deduct the amount for the payment from the charge balance of the identified electronic wallet. In this case, the payment server 100 identifies the electronic wallet to be used for payment by referring to the information in which the product identification information and the electronic wallet type (or the product type such as food expenses and entertainment expenses) are associated with each other. do.

For example, when the user wants to change the electronic wallet and performs a predetermined operation such as a tap operation on the area AR2, the interface screen IM3 is displayed on the display unit. FIG. 9 is a diagram showing an example of the interface screen IM3. The interface screen IM3 includes, for example, a button for charging, information indicating the total balance (total balance of electronic wallet balances), information on each electronic wallet and the balance of each electronic wallet, and information provided by the electronic payment service. This includes information on the status of management in the asset management service provided (for example, the amount of money under management), a button for executing deferred payment, and the like. When the button for charging is operated, the user can charge as described later. The information about operational status and the button to make a deferred payment may be omitted or displayed when the balance is less than a predetermined amount or the wallet balance for a predetermined spending type is less than a predetermined amount.

The interface screen IM3 indicates that an electronic wallet for meals has been set. When the user wants to change to another electronic wallet, the user operates the area corresponding to the electronic wallet to be changed, and the electronic wallet corresponding to the operation is changed. In addition, if the user wants to make electronic payments using asset management assets, when the user operates the area corresponding to asset management, content for selling a portion of the asset or converting it into electronic money balance will be displayed. . The user can convert the asset into the balance of electronic money with the above content and make electronic payment using the balance. Also, the user can use postpay by operating the area corresponding to postpay. The user can add a payment method by operating a payment method addition button. Note that the interface screen IM3 may include a code image (code information) for the store terminal device 50 to read.

The interface screen IM2 or the interface screen IM3 indicates that "when the user of the electronic wallet executes an operation for electronic payment, the electronic payment is to be performed using the balance of the electronic wallet of the type of payment set in advance. is an example of "first content including information indicating . The interface screen IM3 indicates that "according to the user's predetermined operation on the first content, it is possible to select to use an electronic wallet with a different payment type from the preset payment type for the electronic payment. This is an example of "content".

FIG. 10 is a diagram showing an example of an interface screen IM4 displayed on the display unit when electronic payment is completed. The interface screen IM4 is, for example, information such as the amount of electronic payment, information indicating that the electronic payment has been completed, the type of electronic wallet used for the electronic payment, and the balance of the electronic wallet after spending.

In addition, if the balance of the electronic wallet that the user was about to use is smaller than the amount of electronic payment, the user may use the balance of another electronic wallet, or the user may use electronic money in the balance of another electronic wallet. It is also possible to transfer to the balance of the electronic wallet that was used and perform electronic payment after the transfer.

FIG. 11 is a diagram showing an example of an interface screen IM5 displayed on the display unit when electronic money in the balance of another electronic wallet is transferred to the balance of the electronic wallet to be used. The interface screen IM5 is an interface screen displayed when the wallet management unit 134 adds the electronic wallet balance of 2,000 yen for meal expenses to the balance for entertainment expenses.

[Regarding the upper limit of deposits to electronic wallets]
The wallet management unit 134 may set the upper limit of the amount charged to each electronic wallet based on the user's operation. FIG. 12 is a diagram showing an example of the interface screen IM6 when the upper limit is set. The interface screen IM6 has an area for setting the upper limit of the charge amount to the electronic wallet for food expenses, an area for setting the upper limit amount for charge to the electronic wallet for entertainment expenses, and an area for setting the upper limit amount of charge to the electronic wallet for utility expenses. It contains an area for setting the upper limit of the charge amount of the . Interface screen IM6 contains information indicating the total maximum amount of each electronic wallet. The wallet management unit 134 generates the second wallet information 214 based on the user's operation on the interface screen IM6.

FIG. 13 is a diagram showing an example of the contents of the second wallet information 214. As shown in FIG. The second wallet information 214 is, for example, information in which the upper limit of the electronic wallet, the charged balance, and the chargeable balance are associated with each other. The second wallet information 214 is prepared for each user. The upper limit amount is, for example, the upper limit of charge amount for a predetermined period such as one month or one week. The wallet management unit 134 carries out charging, taking into consideration the upper limit amount of the second wallet information 214 described above.

For example, when a charge button for charging a predetermined electronic wallet is operated, an amount selection button for selecting the amount to be charged such as +5,000 yen, +10,000 yen, +20,000 yen, etc. A button or the like for inputting an amount may be displayed. When the user operates the button, the amount corresponding to the operated button is charged. The amount selection button may include a maximum amount button for charging up to the maximum amount (inquiry button for charging up to the maximum amount) instead of (in addition to) the amount as described above. When the upper limit amount button is operated, the amount corresponding to the upper limit amount of the electronic wallet of the type of expenditure corresponding to the upper limit amount button is charged. For example, the upper limit of the electronic wallet for meals is 30,000 yen, and 10,000 yen has already been charged and used. In this case, when the upper limit amount button for food expenses is operated, 20,000 yen is charged. For example, the settlement server 100 determines the charging amount as described above and charges the determined charging amount.

A predetermined notification may be displayed on the display unit of the user terminal device 10 when the user attempts to charge an amount exceeding the upper limit of the electronic wallet. For example, it is assumed that the upper limit of the electronic wallet is 5,000 yen and that 500 yen has already been charged. In this case, when the user tries to charge 5,000 yen, a predetermined notification is given. The predetermined notification is, for example, information indicating that up to 4,500 yen can be charged, or information inquiring whether to charge up to 4,500 yen because it is possible to charge up to 4,500 yen. For example, when the user performs an operation for charging 4,500 yen, 4,500 yen is charged. For example, the settlement server 100 determines whether or not the user attempts to charge the amount exceeding the upper limit of the electronic wallet as described above, and gives a predetermined notification according to the determination result.

[sequence]
FIG. 14 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system. First, when the user performs an operation to charge the balance of a predetermined electronic wallet (for example, an electronic wallet for food expenses), the payment application 20 sends a request to the payment server 100 to charge the electronic wallet for food expenses. (S10). This request contains information indicating the desired charge amount and the type of electronic wallet.

Next, the settlement server 100 checks the upper limit of the charge amount of the electronic wallet for meals, and determines whether or not the upper limit amount is exceeded when the desired charge amount is charged (S12). If the amount does not exceed the upper limit, the settlement server 100 requests the bank server to remit the desired charge amount (S14). In response to the request of S14, the bank server 300 remits the desired charge amount to the settlement server 100 using the user's account balance (S16). The settlement server 100 charges the electronic wallet for meals with the remitted charge amount (S18).

When charging is completed, the payment server 100 notifies the payment application 20 of information indicating that charging is completed (S20). Next, the payment application 20 causes the display section of the user terminal device 10 to display content including information indicating that charging has been completed in response to the above notification (S22).

In S12 above, if the desired charge amount exceeds the upper limit, the payment server 100 displays information indicating that the charge amount exceeds the upper limit on the display via the payment application 20, Information inquiring whether to charge other electronic wallets, information inquiring about charging with the knowledge that the amount exceeds the upper limit, etc. are displayed on the display unit. The settlement server 100 then executes processing according to the user's intention.

In the above embodiment, part or all of the processing performed by the payment server 100 may be performed by the payment application 20 . Also, the user information 210 , the first wallet information 212 , the second wallet information 214 and the like may be managed by the payment application 20 .

According to the first embodiment described above, the electronic payment system determines whether or not to charge the target electronic wallet based on the upper limit amount determined for each electronic wallet, thereby increasing user convenience. improves. For example, the electronic payment system can assist in managing a user's monthly spending budget so that spending is within the budget.

<Second embodiment>
A second embodiment will be described below. In the first embodiment, the settlement server 100 determines whether or not the charge amount exceeds the upper limit. In contrast, in the second embodiment, the bank server 300 makes the above determination. The following description will focus on differences from the first embodiment.

The electronic payment system of the second embodiment includes a remittance processing unit (account management unit) that manages virtual accounts prepared for each purpose in one bank account, and a wallet that manages electronic wallets prepared for each type of expenditure. and a management unit, wherein the wallet management unit supplies the specified amount of money to the account management unit based on an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money. and the account management unit executes a third process of remitting the specified amount to the wallet management unit from the virtual account for use according to the type of expenditure based on the request. .

When the balance of the virtual account for the usage corresponding to the type of expenditure is equal to or greater than the specified amount, the account management unit executes the third process, and executes the virtual account for the usage according to the type of expenditure. is less than the designated amount, a fourth process different from the third process is executed.

The fourth process is one or more of the following processes. (4) Do not charge the specified amount of electronic money to the electronic wallet of the specified expenditure type. (5) The display unit of the electronic wallet user's terminal device displays information indicating that the electronic wallet cannot be charged from the virtual account for the specified type of expenditure. (6) Information indicating that charging is possible within the range of the balance of the virtual account for the purpose corresponding to the specified type of expenditure (for example, the amount corresponding to the balance of the virtual account for the purpose corresponding to the type of expenditure) is displayed on the display unit.

FIG. 15 is a diagram showing an example of the functional configuration of the user terminal device 10A of the second embodiment. The user terminal device 10A has, for example, a payment application 20A. The payment application 20A includes one or more mini-apps such as the bank mini-app 30. For example, when the payment application 20A is downloaded to the user terminal device 10, the mini-applications included in the payment application 20A are also downloaded to the user terminal device 10. A mini app is an application developed so that it can be activated within the payment app 20A. For example, the mini-application is activated within the payment application 20A and displays various screens using the web view function. When the bank mini-app 30 is started, the bank mini-app 30 cooperates with the bank server 300 (API: Application Programming Interface provided by the bank server 300) to transmit the content (bank content) provided by the bank server 300 to the user terminal. Displayed on the display unit of the device 10 . The bank mini-application 30, for example, accesses a URL (Uniform Resource Locator) and displays HTML (Hyper Text Markup Language) content provided by the bank server 300 using a web view function.

FIG. 16 is a diagram showing an example of the functional configuration of the bank server 300. As shown in FIG. The bank server 300 includes, for example, a virtual account generation unit 310 , a remittance processing unit (account management unit) 320 , a bank content providing unit 330 and a storage unit 340 .

Virtual account generation unit 310, remittance processing unit 320, and bank content providing unit 330 are each implemented by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI, ASIC, FPGA, GPU, etc., or by cooperation of software and hardware. good too. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (non-transitory storage medium). physical storage medium), and may be installed in the storage device by mounting the storage medium in the drive device.

The storage unit 340 is an HDD, flash memory, RAM, or the like. Storage unit 340 may be a NAS device that bank server 300 can access via a network. The storage unit 340 stores account information 350 and correspondence information 360, for example. The account information 350 is account information for each user, and includes various information such as the user's account number, deposit amount, and personal identification number. Details of the correspondence information 360 will be described later.

A virtual account generation unit 310 generates a virtual account based on a user's operation. The remittance processing unit 320 performs remittance in response to a request from the settlement server 100 . The bank content providing unit 330 cooperates with the bank mini-application 30 to display bank content on the display unit of the user terminal device 10 .

FIG. 17 is a diagram showing an example of bank content. Bank contents include, for example, information such as account type, account number, balance, and account usage history. Bank content includes virtual accounts and virtual account balances. A virtual account is an account virtually generated within one account by the virtual account generation unit 310 based on the user's operation on the bank mini-app 30 . A virtual account is prepared for each purpose. The virtual account includes, for example, a virtual account for educational funds, a virtual account for food expenses, a virtual account for life, and the like.

[sequence]
FIG. 18 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system. First, when the user operates a button for activating the bank mini-app 30 in the content provided by the settlement application 20A (S100), the settlement application 20A activates the bank mini-app 30 (S102). This activates the bank mini-application 30 (S104).

Next, the bank mini-app 30 requests the bank mini-app 30 to provide bank contents (S106). Next, the bank server 300 provides the requested bank content to the bank mini-application 30 (S108). As a result, the bank mini-app 30 displays the bank content on the display unit of the user terminal device 10 (S110).

Next, when the user operates the bank contents, the bank mini-application 30 provides information corresponding to the operation to the bank server 300 (S112). Next, the bank server 300 causes the display unit of the user terminal device 10 to display the bank content corresponding to the above operation (S114).

Note that the processing executed by the payment application 20A or the bank mini-application 30 described above may be performed via the payment server 100. FIG. For example, the settlement server 100 activates the bank mini-app 30 based on instructions from the settlement application 20A, or the settlement server 100 requests the bank server 300 to provide bank content based on instructions from the bank mini-app 30. good too.

As described above, bank contents are provided to the user when the payment application 20A is used. Also, the user can generate a virtual account by, for example, operating a button included in the bank content.

[sequence]
FIG. 19 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system. First, when the user performs an operation to charge the balance of a predetermined electronic wallet (for example, an electronic wallet for food expenses) (S200), the payment application 20A sends a request to the payment server 100 to charge the electronic wallet for food expenses. Send (S202). This request contains information indicating the desired charge amount and the type of electronic wallet.

Next, the settlement server 100 requests the bank server 300 for remittance (S204). This request contains information indicating the desired charge amount and the type of electronic wallet. Next, the remittance processing unit 320 of the bank server 300 determines whether remittance is possible (S206). The remittance processing unit 320 refers to the corresponding information 360 to identify a virtual account corresponding to the type of electronic wallet, and determines whether the balance of the identified virtual account is equal to or less than the desired charge amount.

FIG. 20 is a diagram showing an example of the contents of the correspondence information 360. As shown in FIG. Corresponding information 360 is information in which electronic wallet types and virtual accounts are associated with each other. The remittance processing unit 320 refers to correspondence information 360 (reference information) in which the type of expenditure is associated with a virtual account prepared for each purpose, and identifies the virtual account corresponding to the type of expenditure. Note that the process of identifying the virtual account may be performed in the payment server 100 (the payment application 20A). In this case, the correspondence information 360 is stored in the storage unit 200 of the settlement server 100, for example. The settlement server 100 then provides the bank server 300 with information indicating from which virtual account the money is to be transferred.

If the balance of the specified virtual account is equal to or less than the desired charge amount, the remittance processing unit 320 remits the desired charge amount to the settlement server 100 (S208). The settlement server 100 charges the electronic wallet for meals with the remitted charge amount (S210).

When charging is completed, the payment server 100 notifies the payment application 20A of information indicating that charging is completed (S212). Next, the payment application 20A causes the display section of the user terminal device 10 to display content including information indicating that charging has been completed in response to the above notification (S214).

In S206 above, if the desired recharge amount exceeds the balance of the virtual account, the bank server 300 sends information indicating that the recharge is not possible via the payment application 20A or the bank mini-app 30, The display unit displays information indicating that the desired charge amount exceeds the balance of the virtual account, information asking whether to charge using the balance of another virtual account, etc. (details will be described later). The bank server 300 then executes processing according to the user's intention.

FIG. 21 is a diagram showing an example of the interface screen IM7 before and after charging from the virtual account. For example, as shown in the left diagram of FIG. 21, the balance of the electronic wallet for food expenses has become zero, and when the user performs an operation to charge, if there is a sufficient balance in the virtual account corresponding to the food expenses, As shown in the right figure, the electronic wallet for food expenses is charged.

As described above, remittance is made from the virtual account corresponding to the electronic wallet, which improves the convenience of the user's fund management.

[sequence]
FIG. 22 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system. Processing when it is determined that remittance cannot be performed in S206 of FIG. 19 described above will be described. Since the processing of S200-206 in FIG. 20 and the processing of S200-206 in FIG. 19 are the same processing, description thereof will be omitted.

When the remittance processing unit 320 of the bank server 300 determines whether or not remittance is possible (S206), and determines that the balance of the specified virtual account is less than the desired charge amount, the bank content providing unit 330 Information indicating that the balance of the specified virtual account is less than the desired charge amount is displayed on the display section of the user terminal device 10 (S209). When accepting an operation to use the balance of another virtual account, the bank mini-app 30 instructs the bank server 300 to transfer money using the designated virtual account (S211). The bank server 300 remits money to the settlement server 100 based on the above instructions.

23 is a diagram showing an example of an interface screen displayed on the display unit in the process of FIG. 22. FIG. For example, the bank mini-app displays the interface screen shown in the left diagram of FIG. 23 when the balance of the virtual account of the bank server 300 is insufficient. This interface screen is content provided by the bank server 300 . The interface screen shown in the left diagram of FIG. 23 includes information such as the balance of virtual accounts related to food expenses, insufficient balances, and information on other virtual accounts that can be used for remittances. When the user selects charging using a life-related virtual account, as shown in the right diagram of FIG. 23, the food expenses electronic wallet is remitted from the life-related virtual account and charged. This interface screen is content provided by the settlement server 100 .

In the above example, it is assumed that the interface screen as shown in FIG. 23 is provided to the user when the balance of the virtual account corresponding to the designated type of expenditure is insufficient. Alternatively (or in addition), information such as the balance of each virtual account as shown in FIG. 24 may be provided to the user even if the balance of the virtual account is not insufficient. For example, as shown in FIG. 24, an interface screen may be displayed in which a virtual account corresponding to the set expenditure type is preferentially selected. To be preferentially selected is, for example, a provisionally selected state or a mode in which selection is easier than selecting other virtual accounts.

Also, instead of the interface screens IM3, IM7, etc. described above, the interface screen IM8 of FIG. 25 may be provided to the user. On the interface screen IM8, buttons related to charging are set for each type of expenditure. When this button is operated, remittance is made from the virtual account corresponding to the type of expenditure corresponding to the button.

For example, when the charge button of the above interface screen IM8 is operated, an amount selection button for selecting the amount to be charged such as +5,000 yen, +10,000 yen, +20,000 yen, etc., or the amount to be charged is input. A button or the like for doing so may be displayed. When the user operates the button, the amount corresponding to the operated button is charged. Instead of (in addition to) the above amount, the amount selection button is an inquiry button (inquiry for charging up to the maximum amount) to charge the virtual account corresponding to the designated electronic wallet with the full amount deposited. button) may be included. When the inquiry button is operated, the virtual account balance of the type of expenditure corresponding to the inquiry button is fully charged. For example, if the balance of the virtual account corresponding to the electronic wallet for meals is 30,000 yen, when the inquiry button for charging the full amount to the electronic wallet for meals is operated, 30,000 yen will be charged. For example, the bank server 300 charges the settlement server 100 with the charge amount corresponding to the user's operation as described above. This processing may also be performed in a modified example of the second embodiment, the third embodiment.

A predetermined notification may be displayed on the display unit of the user terminal device 10 when the user attempts to charge the electronic wallet with an amount exceeding the balance of the virtual account corresponding to the electronic wallet. For example, when the balance of the virtual account is 5,000 yen and the user tries to charge 6,000 yen, a predetermined notification is given. The predetermined notification is, for example, information indicating that up to 5,000 yen can be charged, or information inquiring whether to charge up to 5,000 yen because it is possible to charge up to 5,000 yen. For example, when the user performs an operation for charging 5,000 yen, 5,000 yen is charged. For example, the bank server 300 determines whether or not the user attempted to charge an amount exceeding the balance of the corresponding virtual account as described above, and sends a predetermined notification via the settlement server 100 according to the determination result. conduct. This processing may also be performed in a modified example of the second embodiment, the third embodiment.

According to the second embodiment described above, since the electronic payment system performs remittance and charging from the virtual account associated with the type of expenditure, the user's convenience regarding fund management is improved. This improves convenience for the user.

<Modification of Second Embodiment>
In the above example, a plurality of virtual accounts are provided within one account, but instead (or in addition) to this, processing may be performed by providing a plurality of accounts within one bank. . For example, an electronic payment system includes an account management unit that manages bank accounts prepared for each purpose, and a wallet management unit that manages electronic wallets prepared for each type of expenditure, and the wallet management unit Based on the instruction to charge the electronic wallet of the specified type of expenditure with the specified amount of electronic money, the account management unit is requested to remit the specified amount, and the account management unit and executing a third process of transferring the specified amount of money to the wallet management unit from a bank account for use corresponding to the type of expenditure based on the request.

When a plurality of accounts are provided and the balance of the desired account is insufficient, the interface screen IM9 of FIG. 26 is displayed on the display section of the user terminal device 10. The interface screen IM9 includes, for example, information on multiple accounts, information indicating the balance of each account, and the like. For example, if the balance of the food-related account is insufficient to charge and the user selects to charge from the life-related account, the bank server 300 performs remittance using the balance of the life-related account.

According to the modified example of the second embodiment described above, when charging is performed, processing is performed according to the balances of a plurality of accounts of one bank, so that the user's convenience regarding fund management is improved.

Further, in the above examples (the second embodiment and the modified example of the second embodiment), the bank mini-app 30 is included in the settlement app 20A. The payment application 20A may have the function executed by . Also, in the above example, the bank server 300 has been described as generating bank content and providing the generated content. Alternatively (or in addition), the payment server 100 or a server device managed by the administrator of the payment server 100 acquires information for generating bank contents from the bank server 300, and based on the acquired information, , may generate bank content.

Also, each process executed in the above example may be executed by the payment server 100, the payment application 20A, or the bank mini application 30 instead of being executed by the application or server described above. For example, the bank mini-app 30 may communicate with the bank server 300 to request a remittance, or the processing performed by the settlement server 100 may be executed by the bank mini-app 30 or the settlement app 20A.

Also, in the above example, a case where money is deposited into an electronic wallet has been described, but money may be deposited from an electronic wallet to a virtual account (or a bank account). In this case, the user specifies a virtual account (or a bank account) by performing a predetermined operation on content provided by bank mini-application 30, payment application 20A, or bank server 300. The settlement server 100 performs remittance from the balance of the electronic wallet according to the operation and deposits the money into the designated virtual account (or bank account). Also, the virtual account (or bank account) to which the money is transferred may be a virtual account pre-associated with the type of spending in the electronic wallet. For example, the wallet management unit 134 remits electronic money to a preset virtual account among a plurality of virtual accounts based on an instruction to remit electronic money in the balance of the electronic wallet to a bank account. The wallet management unit 134 remits electronic money to a preset virtual account out of a plurality of virtual accounts based on an instruction to remit the electronic money in the balance of the electronic wallet to a bank account and the type of expenditure in the electronic wallet. . For example, the bank server 300 acquires information (for example, information indicating the type of the virtual account or bank account) for specifying the type of expenditure of the electronic wallet or the virtual account (or bank account), and based on the acquired information, to identify which virtual account (or bank account) to deposit. As a specific example, if an electronic wallet for food expenses and a virtual account (or bank account) for food expenses are associated with each other, the balance of the electronic wallet that remains after a predetermined period of time can be used by the user or at a predetermined timing (end of the month). ) to the virtual account (or bank account) for food expenses.

<Third Embodiment>
A third embodiment will be described below. In the second embodiment, it is assumed that the processing is executed for one bank account. In contrast, in the third embodiment, processing is executed for multiple banks. The following description focuses on differences from the second embodiment.

The electronic payment system includes a wallet management unit that manages electronic wallets prepared for each type of expenditure. The wallet management unit associates each of the plurality of banks with the type of expenditure based on the instruction to charge the electronic wallet of the designated type of expenditure with the specified amount of electronic money. A bank corresponding to the type of expenditure is specified from the corresponding information, a bank server of the specified bank is requested to remit the specified amount, and the bank server sends the wallet management unit based on the request. The remitted electronic money is charged to the electronic wallet of the designated expenditure type.

The electronic payment system of the third embodiment comprises a plurality of bank servers (first bank server, second bank server). FIG. 27 is a sequence diagram showing an example of the flow of processing executed when charging is performed in the electronic payment system. In addition, when the user performs an operation to charge the balance of a predetermined electronic wallet (for example, an electronic wallet for meals) (S300), the payment application 20 sends a request to charge the electronic wallet for meals. It is transmitted to the settlement server 100 (S302). This request contains information indicating the desired charge amount and the type of electronic wallet.

Next, the settlement server 100 sends a remittance request to the first bank server (S304). The settlement server 100, for example, refers to the correspondence information 216 shown in FIG. 28 to identify a bank corresponding to the electronic wallet, and requests the bank server of the identified bank for remittance. The correspondence information 216 is information in which the types of electronic wallets and banks are associated with each other.

Next, the remittance processing unit 320 of the bank server 300 determines whether remittance is possible (S306). The remittance processing unit 320, for example, determines whether or not the balance of the account of the first bank is equal to or greater than the desired charge amount. The remittance processing unit 320 determines that remittance is possible when the balance of the first bank account is equal to or greater than the desired charge amount, and cannot remit when the balance of the first bank account is less than the desired charge amount. I judge.

If it is determined that the remittance is not possible, the remittance processing unit 320 provides the payment application 20 with information indicating that the balance of the food expenses is insufficient (or information indicating that the remittance cannot be performed) (S308). Note that this information may be notified via the settlement server 100 .

Next, the payment application 20 causes the display unit to display information inquiring whether or not to charge the electronic wallet for meals from the bank balance associated with another electronic wallet. When the user performs an operation to recharge using the bank balance of another electronic wallet (for example, entertainment expenses) (S310), the payment application 20 sends a request to the second bank server of the second bank corresponding to the entertainment expenses. Information requesting remittance is transmitted to the settlement server 100 (S312).

FIG. 29 is a diagram showing an example of an interface screen IM10 displayed on the display unit when the balance of the bank account corresponding to the electronic wallet for meals is insufficient. The interface screen IM10 includes, for example, information that the bank that corresponds to the electronic wallet for meals did not remit, a button for requesting remittance to the bank that corresponds to entertainment expenses, and a request for remittance to the bank that corresponds to utility expenses. Including buttons for making requests. When the button for requesting remittance to the bank corresponding to the entertainment expenses is operated, the above-described processing of S312 is performed.

Next, the settlement server 100 transmits a request to the second bank server in response to the above request (S314). Next, the second bank server determines whether or not remittance can be made from the user's account (S316). If the remittance is possible, the second bank server remits the money using the user's account (S318).

As described above, a request for remittance is made to the bank corresponding to the type of expenditure, and each bank performs remittance in response to the request, thereby improving the convenience of the user's fund management.

Note that the bank mini-application 30 may execute the processing performed by the payment application 20 or the processing performed by the payment server 100 . Also, in the above example, the settlement server 100 requests the bank server 300 for remittance, but the settlement application 20 or the bank mini-application 30 may make the request.

Also, in the above example, the case where the money is deposited into the electronic wallet has been described, but the money may be deposited from the electronic wallet to a bank account. In this case, the user performs a predetermined operation on contents provided by bank mini-app 30, payment app 20, or bank server 300 to designate a bank (or bank account). The settlement server 100 performs remittance from the balance of the electronic wallet according to the operation and deposits the money to the designated bank (or bank account). Also, the bank (or bank account) to which the money is transferred may be a bank (or bank account) associated with the electronic wallet in advance. For example, the wallet management unit 134 remits the electronic money in the balance of the electronic wallet to a preset bank account among a plurality of banks based on an instruction to remit the electronic money to a bank account. The wallet management unit 134 remits electronic money to a preset bank among a plurality of banks based on an instruction to remit the electronic money in the balance of the electronic wallet to a bank account and the type of expenditure in the electronic wallet. For example, the bank server 300 acquires information for specifying the type of expenditure of the electronic wallet or the bank (or bank account) (for example, information indicating the bank or bank account), and determines which bank based on the acquired information. specifies whether the account (or accounts) of the As a specific example, if an electronic wallet for food expenses is associated with a bank (or bank account) that manages food expenses, the balance of the electronic wallet that remains in a predetermined period can be changed by the user's operation or at a predetermined timing. (at the end of the month), etc., it will be sent to the bank (or bank account) that manages food expenses.

According to the third embodiment described above, the electronic payment system performs remittance according to the type of expenditure, thereby allowing the user to easily manage funds. As a result, user convenience is improved.

Moreover, a part or all of each process and each embodiment described above may be executed in combination. Furthermore, part or all of the processing executed by the payment server 100 may be executed by the payment application 20 or the bank mini-application 30, or may be executed by another device. A part or all of the processing executed by the payment application 20 or the bank mini-application 30 may be executed by the payment server 100 or by another device. Further, the processing executed by the payment application 20 may be executed by the bank mini-application 30, and the processing executed by the bank mini-application 30 may be executed by the payment application 20. For example, part or all of the functional configuration of the payment server 100 may be distributed among multiple devices. Furthermore, the information stored in the storage unit 200 of the payment server 100 may be stored in the user terminal device 10.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 30 Bank mini application 50 Store terminal device 60 Store code image 100 Settlement server 120 Content providing unit 130 Settlement processing unit 132 Accepting unit 134 Wallet management unit 140 Cooperation unit 200 Storage unit 210 User information 212 1 wallet information 214 2nd wallet information 220 store information 230 content information

Claims (26)

an account management unit that manages virtual accounts prepared for each use in one bank account;
a wallet management unit that manages electronic wallets prepared for each type of expenditure,
The wallet management unit
requesting the account management unit to remit the specified amount based on the instruction to charge the specified amount of electronic money to the electronic wallet of the specified type of expenditure;
The account management department
executing a third process of remitting the specified amount of money to the wallet management unit from a virtual account for use according to the type of expenditure based on the request;
processing system. The account management department
If the balance of the virtual account for use according to the type of expenditure is equal to or greater than the specified amount, executing the third process,
If the balance of the virtual account for use according to the type of expenditure is less than the specified amount, executing a fourth process different from the third process,
2. The processing system of claim 1. The fourth process is any of the following processes,
(4) Not charging the specified amount of electronic money to the electronic wallet for the specified type of expenditure;
(5) Displaying on the display unit of the terminal device of the user of the electronic wallet information indicating that the electronic wallet cannot be charged from the virtual account for the purpose corresponding to the specified type of expenditure;
(6) causing the display unit to display information indicating that charging is possible within the range of the balance of the virtual account for use according to the specified type of expenditure;
3. The processing system of claim 2. the request includes information indicating the type of expenditure of the electronic wallet to charge the electronic money;
The account management unit refers to reference information in which the type of expenditure and a virtual account prepared for each purpose are associated, and identifies a virtual account according to the type of expenditure.
4. A processing system according to any one of claims 1-3. The wallet management unit requests the account management unit to remit the specified amount from the virtual account corresponding to the type of expenditure.
5. The processing system of claim 4. The wallet management unit remits the electronic money to a preset virtual account among a plurality of virtual accounts based on an instruction to remit the electronic money in the balance of the electronic wallet to the bank account.
6. A processing system according to any one of claims 1-5. The wallet management unit transfers the electronic money to a preset virtual account out of a plurality of virtual accounts based on an instruction to remit electronic money in the balance of the electronic wallet to the bank account and the type of expenditure in the electronic wallet. send money,
7. The processing system of claim 6. The wallet management unit
Displaying an inquiry button for inquiring whether or not to charge the full amount of electronic money deposited in the virtual account corresponding to the electronic wallet of the specified expenditure type on the display of the user's terminal device;
When the user operates the inquiry button, request processing to remit the full amount deposited in the virtual account to the account management unit;
8. A processing system according to any one of claims 1-7. Equipped with a wallet management unit that manages electronic wallets prepared for each type of expenditure,
The wallet management unit
Based on the instruction to charge the electronic wallet of the specified type of expenditure with the specified amount of electronic money, the account management unit that manages the virtual accounts prepared for each purpose in one bank account. Request processing to remit the amount
The account management unit obtains the specified amount of money from the virtual account for the purpose corresponding to the type of expenditure based on the request, and transfers the electronic money to the wallet management unit for the specified type of expenditure. charge to wallet
processing system. When the user of the electronic wallet executes an operation for electronic payment, the first content including information indicating that the electronic payment will be made using the balance of the electronic wallet of the type of payment set in advance. Further comprising a content providing unit for displaying on the display unit of the user's terminal device,
10. A processing system according to any one of claims 1-9. The first content includes code information to be read by the store terminal,
11. The processing system of claim 10. The content providing unit is capable of selecting, in response to a user's predetermined operation with respect to the first content, using an electronic wallet of an expenditure type different from the preset expenditure type in the electronic settlement. causing content to be displayed on the display unit;
12. A processing system according to claim 10 or 11. An account management department that manages bank accounts prepared for each purpose,
a wallet management unit that manages electronic wallets prepared for each type of expenditure,
The wallet management unit
requesting the account management unit to remit the specified amount based on the instruction to charge the specified amount of electronic money to the electronic wallet of the specified type of expenditure;
The account management department
executing a third process of remitting the specified amount of money to the wallet management unit from a bank account for use according to the type of expenditure based on the request;
processing system. The wallet management unit remits the electronic money to a preset bank account among a plurality of bank accounts based on an instruction to remit the electronic money in the balance of the electronic wallet to the bank account.
14. The processing system of claim 13. The wallet management unit transfers the electronic money to a preset bank account out of a plurality of bank accounts based on an instruction to remit electronic money in the balance of the electronic wallet to the bank account and the type of expenditure in the electronic wallet. send money,
15. The processing system of claim 14. Equipped with a wallet management unit that manages electronic wallets prepared for each type of expenditure,
The wallet management unit
Based on an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money, remit the specified amount to an account management unit that manages a bank account prepared for each purpose. request processing,
The account management unit acquires the specified amount of money from the bank account for the purpose corresponding to the type of expenditure based on the request, and remits the electronic money to the wallet management unit for the specified type of expenditure. charge to wallet
processing system. Equipped with a wallet management unit that manages electronic wallets prepared for each type of expenditure,
The wallet management unit
Based on an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money, the amount of said expenditure is obtained from correspondence information in which each of a plurality of banks and said type of expenditure are associated with each other. Identify banks according to type,
Requesting processing to remit the specified amount to the bank server of the specified bank,
charging the electronic wallet of the specified type of expenditure with the electronic money that the bank server remitted to the wallet management unit based on the request;
processing system. The wallet management unit remits the electronic money to a preset bank account among a plurality of banks based on an instruction to remit the electronic money in the balance of the electronic wallet to the bank account.
18. The processing system of claim 17. The wallet management unit transfers the electronic money in the balance of the electronic wallet to the bank account of a preset bank among a plurality of banks based on the instruction to remit the electronic money in the balance of the electronic wallet to the bank account and the type of expenditure of the electronic wallet. send electronic money,
19. A processing system according to claim 18. The wallet management unit
Acquire the identification information of the product related to the payment,
referring to reference information in which the identification information and the type of the electronic wallet are associated;
identifying the electronic wallet corresponding to the identification information of the product;
making the payment using the charge amount charged to the specified electronic wallet;
20. A processing system according to any one of claims 1-19. the computer
Manage e-wallets prepared for each type of expenditure,
Based on the instruction to charge the electronic wallet of the specified type of expenditure with the specified amount of electronic money, the account management unit that manages the virtual accounts prepared for each purpose in one bank account. Request processing to remit the amount
The account management unit acquires the specified amount from a virtual account for use according to the type of expenditure based on the request, and charges the electronic wallet of the specified type of expenditure with the remitted electronic money.
Processing method. to the computer,
Manage electronic wallets prepared for each type of expenditure,
Based on the instruction to charge the electronic wallet of the specified type of expenditure with the specified amount of electronic money, the account management unit that manages the virtual accounts prepared for each purpose in one bank account. Request a process to remit the amount
The account management unit acquires the specified amount from a virtual account for use according to the type of expenditure based on the request and remits electronic money to charge the electronic wallet of the specified type of expenditure;
program. the computer
Manage electronic wallets prepared for each type of expenditure Manage bank accounts prepared for each purpose based on instructions to charge the specified amount of electronic money to the electronic wallet for the specified type of expenditure request the account management department to process the remittance of the specified amount,
The account management unit acquires the specified amount from a bank account for use according to the type of expenditure based on the request, and remits the electronic money to charge the electronic wallet of the specified type of expenditure.
Processing method. to the computer,
Manage electronic wallets prepared for each type of expenditure,
Based on an instruction to charge an electronic wallet of a specified type of expenditure with a specified amount of electronic money, remit the specified amount to an account management unit that manages a bank account prepared for each purpose. request processing,
The account management unit obtains the specified amount from a bank account for use according to the type of expenditure based on the request, and remits the electronic money to charge the electronic wallet of the specified type of expenditure.
program. the computer
Manage e-wallets prepared for each type of expenditure,
said expenditure from correspondence information in which each of a plurality of banks and said expenditure type are associated with each other, based on an instruction to charge an electronic wallet of a specified expenditure type with a specified amount of electronic money; identify the bank according to the type of
Requesting processing to remit the specified amount to the bank server of the specified bank,
charging electronic money transferred by the bank server based on the request to the electronic wallet of the specified type of expenditure;
Processing method. to the computer,
Manage electronic wallets prepared for each type of expenditure,
said expenditure from correspondence information in which each of a plurality of banks and said expenditure type are associated with each other, based on an instruction to charge an electronic wallet of a specified expenditure type with a specified amount of electronic money; Identify the bank according to the type of
requesting the bank server of the specified bank to remit the specified amount;
charging electronic money transferred by the bank server based on the request to the electronic wallet of the designated expenditure type;
program.

Images