JP7314194B2 - Information processing system - Google Patents

Description

The present invention relates to an information processing system .

Conventionally, cashless payment methods have been widely recognized by consumers, mainly in commercial transactions between companies and individuals. In particular, due to their convenience, electronic payment services that are performed online using user terminals such as smartphones owned by individual users are becoming more popular among consumers.

In recent years, the government is considering introducing a so-called "digital payment of salaries" in which salaries are paid in digital money such as electronic money and virtual currency in such electronic payment services.

JP 2007-328549 A

However, conventional technology has room for improvement in increasing the superiority of digital money as a means of receiving salaries. For example, if there is no dissatisfaction with the current method of receiving salary, it is expected that the psychological hurdles for changing the current method of receiving salary to digital money will generally be high. For this reason, there is a need to create user merits that lower the psychological hurdles associated with changing the current means of receiving salaries to digital money.

The present application has been made in view of the above, and an object thereof is to provide an information processing system capable of enhancing the superiority of digital money as a means of receiving salary.

An information processing system according to the present application includes a user terminal used by a user of an electronic payment service, and an information processing device that executes processing related to the electronic payment service. The user terminal launches a settlement application in accordance with an operation from the user, and displays an operation screen for transmitting a proxy request for a procedure for changing a designated account designated as a withdrawal account for usage fees paid by the user to a member store of the electronic settlement service to a settlement account for digital money used in the electronic settlement service, and transmits the proxy request to the information processing device through the displayed operation screen. The information processing device has a request reception unit and a proxy processing unit. The request receiving unit receives a proxy request from the user together with document data attached to the proxy request and indicating that proxy processing of the procedure is delegated. The request processing unit executes proxy processing for changing the designated account to the settlement account in response to the proxy request received by the request reception unit.

According to one aspect of the embodiment, it is possible to enhance the superiority of digital money as means for receiving salary.

FIG. 1 is a diagram showing an example of management processing that is a prerequisite for information processing according to this embodiment. FIG. 2 is a diagram showing an example of electronic payment processing that is a prerequisite for information processing according to the present embodiment. FIG. 3 is a diagram showing an example of information processing according to this embodiment. FIG. 4 is a diagram showing an example of a payment history according to this embodiment. FIG. 5 is a block diagram showing a configuration example of a settlement server according to this embodiment. FIG. 6 is a diagram showing an overview of user information according to this embodiment. FIG. 7 is a diagram showing an outline of account information according to this embodiment. FIG. 8 is a flow chart showing an example of the processing procedure of the settlement server according to this embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server according to this embodiment.

Embodiments for implementing an information processing apparatus and an information processing system according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing system according to the present application is not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Premise]
[1-1. Management processing]
With reference to FIG. 1, management processing executed by the information processing apparatus and the like according to the present embodiment will be described as a premise of the information processing according to the present embodiment. FIG. 1 is a diagram showing an example of management processing that is a prerequisite for information processing according to this embodiment. A case will be described below in which the management process according to the present embodiment is realized by the settlement server 100, which is an example of the information processing apparatus according to the present embodiment.

As shown in FIG. 1, an information processing system 1 according to this embodiment includes a payment server 100, a user terminal 200, a payment source server 300, a bank server 400, and an ATM (Automatic Teller Machine) 500. FIG. 1 shows an example of the information processing system 1 according to the present embodiment, and may include more settlement servers 100, user terminals 200, payment source servers 300, bank servers 400, and ATMs 500 than the example shown in FIG.

Settlement server 100, user terminal 200, payment source server 300, and bank server 400 are connected to network N-1 (eg, see FIG. 6) by wire or wirelessly. The settlement server 100, the user terminal 200, the payment source server 300, and the bank server 400 can communicate with each other through the network N-1. Network N-1 is, for example, a WAN (Wide Area Network) such as the Internet. Bank server 400 and ATM 500 are connected to network N-2 (eg, see FIG. 6) by wire or wirelessly. Bank server 400 and ATM 500 can communicate with each other through network N-2. Network N-2 is a predetermined network including MICS (Multi Integrated Cash Service).

The settlement server 100 is an information processing device that executes management processing according to this embodiment. The settlement server 100 is realized by a single server device, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

For example, the payment server 100 provides an electronic payment service related to online electronic payment by displaying or reading a predetermined identification code using the user terminal 200 . For example, the settlement server 100 manages a digital money settlement account owned by a provider of a transaction object or a user to whom the transaction object is provided. The settlement server 100 also implements various settlements by transferring digital money between settlement accounts according to settlement information from users. Note that digital money may be, for example, points or currency uniquely used by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen or dollar. The contents of processing of the electronic payment service performed via the payment server 100 will be described later.

The user terminal 200 is an information processing device used by a user of the electronic payment service (for example, user U1). The user terminal 200 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), a wearable terminal, or the like. Note that FIG. 1 illustrates a case where the user terminal 200 is a smart phone.

The payment source server 300 is an information processing device used by a business operator who pays salaries to users of electronic payment services. The payment source server 300 is implemented by a server device, a cloud system, or the like. For example, the payment source server 300 is typically a server device belonging to a company that employs the user (hereinafter referred to as "payment source" as appropriate). It should be noted that the payment source is not limited to companies (companies, corporations, etc.), and may be local governments such as the national government, prefectures, and municipalities.

The user terminal 200 and the payment source server 300 display the information delivered by the settlement server 100 using a web browser or application.

In addition, when the user terminal 200 and the payment source server 300 receive control information for implementing predetermined information processing from the settlement server 100, the user terminal 200 and the payment source server 300 implement the information processing according to the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), a markup language such as HTML (HyperText Markup Language), or the like. In addition, in the present embodiment, the predetermined application itself distributed from the settlement server 100 may be regarded as the control information.

The bank server 400 is an information processing device belonging to a bank that manages bank accounts of users of electronic payment services. Bank server 400 is implemented by a server device, a cloud system, or the like. For example, the bank server 400 manages, as bank account usage histories, information on debits from bank accounts (amount debited, debit date and time, etc.) by card companies and various service providers, current account information (account balance, etc.), etc., in association with users.

Moreover, the bank server 400 is connected to the ATM 500 via a predetermined network such as MICS so as to be able to communicate with each other by wire or wirelessly. The ATM 500 dispenses cash according to user's operation.

A payer, which is an employer of a user of an electronic payment service, pays a salary to the user on a regular basis (for example, once a month). Further, the information processing system 1 according to the present embodiment can implement management processing for dealing with "digital payment of salaries" in which salaries are paid with digital money.

First, the settlement server 100 receives a deposit request from the payment source server 300 (step S1). The payment request includes the identification information of the user (payee) who receives the digital money (payee identification information, hereinafter referred to as "payee ID" as appropriate), the amount of payment, and the name of the payment. In addition, FIG. 1 illustrates a deposit request including payee ID "U#001", deposit amount "300,000 yen", and nominal "salary" as an example of the deposit request.

Note that the payee ID "U#001" is the identification information of the user U1 (user identification information, hereinafter referred to as "user ID" as appropriate). The user ID may be information that can identify the user U1, and may be numbers, alphabets, symbols, etc., or a combination thereof, for example, a telephone number and an e-mail address, or a combination of a telephone number, an e-mail address, etc. and a name. The name may be written in kanji, hiragana, katakana, or alphabet. Further, the deposit request may include identification information (payment source identification information, hereinafter referred to as “payment source ID” as appropriate) for identifying the payment source.

Subsequently, the settlement server 100 determines whether or not the name included in the deposit request is a salary. Then, if the name included in the deposit request is salary, the settlement server 100 performs deposit processing on the salary balance out of the total balance linked to the user ID included in the deposit request.

For example, the settlement server 100 stores account information that associates the "owner ID" item, the "total balance" item, and the "details" item. The “owner ID” item stores identification information (owner identification information, hereinafter appropriately referred to as “owner ID”) that identifies the owner of the digital money account (settlement account). Here, an example is shown in which the user ID "U#001" that identifies the user U1 is stored in the "owner ID" item, but in addition to the user ID, the "owner ID" item may also store a payer ID, identification information that identifies a provider who provides a transaction object (provider identification information, hereinafter referred to as "provider ID" as appropriate), and the like. The "total balance" item stores information indicating the total balance of digital money owned by the owner identified by the owner ID.

The "breakdown" item stores information indicating the breakdown of the total balance stored in the "total balance" item. Specifically, the item of "breakdown" includes the item of "salary" and the item of "other than salary". The "salary" item stores information indicating the balance of digital money deposited (charged) as salary out of the total balance stored in the "total balance" item. The item "other than salary" stores information indicating the balance of digital money deposited under the name other than salary among the total balance stored in the item "total balance".

For example, FIG. 1 shows account information including user ID "U#001", total balance "1,000,000 yen", salary "700,000 yen", and non-salary "300,000 yen" as an example of account information. In this case, when receiving the deposit request shown in FIG. 1, the settlement server 100 changes the "total balance" item associated with the user ID "U#001" from "1,000,000 yen" to "1,300,000 yen". The settlement server 10 also changes the "salary" item associated with the user ID "U#001" from "700,000 yen" to "1,000,000 yen" (step S2). Information stored in the item "other than salary" is not changed.

On the other hand, when the settlement server 100 receives a deposit request containing a name other than salary, it changes the item "total balance" and the item "other than salary" in the corresponding account information. In this case, the information stored in the "salary" item is not changed. The item "other than salary" may be subdivided into a plurality of items. That is, there may be multiple names other than salary, and in this case, the item "other than salary" may be subdivided corresponding to the multiple names.

In this manner, the information processing system 1 according to the present embodiment separately manages at least the salary balance among the total balance of digital money. As a result, for example, the settlement server 100 can divide the balance information indicating the total balance (for example, the total balance “1,300,000 yen”) into the salary balance information indicating the salary balance (for example, the total balance “1,000,000 yen”) and the non-salary balance information indicating the non-salary balance (for example, the total balance “300,000 yen”), and display them on the user terminal 200 of the user U1 (step S3).

Therefore, according to the information processing system 1 according to the present embodiment, it is possible to cope with so-called digital payment of salary, and to appropriately manage the balance including the salary.

By the way, in the case of digital payment of salaries, user convenience can be ensured by making it possible to convert digital money paid as salaries into cash. Specifically, it is necessary to make it possible to withdraw digital money paid as salary from an ATM. Therefore, the information processing system 1 according to the present embodiment is configured so that digital money paid as salary can be withdrawn from the ATM 500 .

For example, the ATM 500 transmits a withdrawal request including the user ID and withdrawal amount to the bank server 400 according to the operation by the user U1 (step S4). The operation of the ATM 500 by the user U1 may be, for example, an input operation to the touch panel or physical buttons of the ATM 500, or an operation to cause the ATM 500 to read a QR code (registered trademark) displayed by the user terminal 200. Information input to the ATM 500 may include at least the user ID and the withdrawal amount.

Subsequently, the bank server 400 transmits the withdrawal request received from the ATM 500 to the settlement server 100 (step S5).

Based on the withdrawal request received from the bank server 400, the settlement server 100 changes the item "salary" in the corresponding balance information. For example, it is assumed that the withdrawal request includes the user ID "U#001" and the withdrawal amount "100,000 yen". In this case, the settlement server 100 changes the item of "total balance" linked to the user ID "U#001" from "1,300,000 yen" to "1,200,000 yen" and changes the item of "salary" from "1,000,000 yen" to "900,000 yen" (step S6).

Subsequently, the settlement server 100 transmits a withdrawal instruction including the user ID and the withdrawal amount to the bank server 400 (step S7). Upon receiving the withdrawal instruction, the bank server 400 withdraws the withdrawal amount included in the withdrawal instruction from the bank account of the business operator to which the settlement server 100 belongs, that is, the company that provides the electronic payment service (step S8). Note that this process may be performed at the timing when a withdrawal instruction is received from the settlement server 100, or may be performed at a predetermined timing, such as once a month.

Also, the bank server 400 transmits a withdrawal instruction including the withdrawal amount to the ATM 500 (step S9). Then, the ATM 500 dispenses the same amount of cash as the withdrawal amount included in the withdrawal instruction (step S10).

As described above, in the information processing system 1 according to the present embodiment, the user U1 can withdraw from the ATM 500 the amount of digital money corresponding to the salary balance of the total digital money balance owned by the user U1.

It should be noted that the mechanism regarding cashing described above targets digital money paid as salary, and may not target digital money paid in a name other than salary. If digital money paid in the name other than salary can be cashed, there is concern that it will become a hotbed for money laundering, for example. For this reason, the settlement server 100 may prohibit the withdrawal from the ATM 500 of balances other than salaries. However, if the non-salary balance is subdivided into a plurality of items, withdrawal from the ATM 500 may be permitted for any of the subdivided items.

[1-2. Payment using the user terminal 200]
An example of payment (electronic payment) using the user terminal 200 executed by the information processing apparatus or the like according to the present embodiment will be described below with reference to FIG. FIG. 2 is a diagram showing an example of electronic payment processing that is a prerequisite for information processing according to the present embodiment. The information processing system 1 according to the present embodiment can use both the salary balance and the non-salary balance of the above-described digital money total balance for electronic payment.

As shown in FIG. 2 , the information processing system 1 may further include a store terminal 600 . The store terminal 600 is an information processing device used by a provider who provides a transaction target to a user. The store terminal 600 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 600 displays information distributed by the settlement server 100 using a web browser or an application. Store terminal 600 is connected to network N-3 (see FIG. 6, for example) by wire or wirelessly. The settlement server 100 and the store terminal 600 can communicate with each other through the network N-3. Network N-3 is, for example, a WAN (Wide Area Network) such as the Internet. Network N-3 may be a different network than network N-1. The store terminal 600 may be a terminal managed by a business operator to which the member store server 700, which will be described later, belongs. Note that FIG. 2 illustrates a case where the store terminal 600 is a POS terminal.

In the following description, an example in which user U1 makes a payment using user terminal 200 using a two-dimensional code (QR code (registered trademark)) arranged at store A and indicating identification information (hereinafter referred to as "store code") C1 for identifying store A will be described, but the present embodiment is not limited to this. An example of payment described below can be applied to a case where any user uses any user terminal 200 to make payment at any store. Also, the store code C1 may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like (that is, a predetermined code).

For example, when the user U1 makes a payment accompanying the use or purchase of a payment object (transaction object) such as various products and services at the store A, the user U1 activates a payment application pre-installed in the user terminal 200. Then, the user U1 captures and reads the store code C1 installed at the store A via the payment application (step S11). In such a case, the user terminal 200 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or store A clerk. Then, the user terminal 200 transmits to the settlement server 100 the user ID that identifies the user U1, the store code C1 (or the information represented by the store code C1, that is, the information representing the store A (for example, the provider ID)), and the settlement amount representing the settlement amount to the settlement server 100 (step S12).

Based on the payment information received from the user terminal 200, the payment server 100 transfers the amount of digital money indicated by the payment amount from the payment account of the user U1 indicated by the user ID to the payment account of the store A indicated by the store code C1 (step S13). Then, the settlement server 100 transmits a notification that the settlement has been completed to the user terminal 200 (step S14). In such a case, the user terminal 200 notifies that the payment has been made with digital money by outputting a screen or a predetermined voice indicating that the payment has been completed.

Note that the settlement using the user terminal 200 is not limited to the processing described above. For example, the payment using the user terminal 200 may be made using the store terminal 600 installed in the store A. For example, the user terminal 200 displays a user ID for identifying user U1 on the screen. In such a case, the store terminal 600 installed at the store A reads the user ID displayed on the user terminal 200, and transmits settlement information indicating the user ID, the settlement amount, and the information identifying the store A to the settlement server 100. Based on the payment information received from the shop terminal 600, the payment server 100 may transfer the amount of digital money indicated by the payment amount from the payment account of the user U1 indicated by the user ID to the payment account of the store A, and may notify the shop terminal 600 or the user terminal 200 of the shop A of the completion of the payment by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, the settlement using the user terminal 200 is not limited to the process of transferring digital money from the settlement account charged with digital money in advance by the user U1 to the settlement account of the store A, but may be, for example, a settlement using a credit card registered in advance by the user U1. In such a case, for example, the user terminal 200 may transfer the digital money of the settlement amount to the settlement account of the store A, and request the settlement amount from the operating company (card company) of the credit card of the user U1.

Moreover, the settlement using the user terminal 200 is not limited to the actual store, and may be, for example, the settlement for the transaction target in the electronic commerce service (that is, the online settlement). In such a case, for example, the user terminal 200 transmits to the payment server 100 payment information indicating a user ID that identifies the user U1, a provider ID, and a price (settlement amount) of the transaction object. Then, the settlement server 100 transfers the digital money of the amount indicated by the settlement amount from the settlement account of the user U1 indicated by the user ID to the settlement account of the provider indicated by the provider ID, and notifies that the settlement is completed by causing the user terminal 200 to output a screen or a predetermined voice indicating that the settlement is completed.

[2. Example of information processing according to the present embodiment]
An example of information processing according to this embodiment will be described below with reference to FIG. FIG. 3 is a diagram showing an example of information processing according to this embodiment. For example, as the information processing according to the present embodiment, the settlement server 100 executes, on behalf of the user U1, a proxy processing of a procedure for changing a designated account designated as a usage fee debit account to a digital money settlement account used in an electronic settlement service.

As shown in FIG. 3 , the information processing system 1 according to this embodiment further includes a member store server 700 . The member store server 700 is an information processing device belonging to a member store that introduces the electronic settlement service provided by the settlement server 100 . The member store server 700 is operated and managed by a business operator that provides products and services to the user U1 of the user terminal 200. FIG. A business operator that operates and manages the member store server 700 is not limited to a company (companies, corporations, etc.), and may be a municipality such as a country, a prefecture, a municipality, or the like. The member store server 700 is implemented by a server device, a cloud system, or the like. In the example shown in FIG. 3, as the member store server 700, a member store server 701, a member store server 702, a member store server 703, and the like are shown.

The member store server 700 is connected to the network N-1 (eg, see FIG. 5) by wire or wirelessly. The merchant server 700 can communicate with the payment server 100 through the network N-1.

In the information processing according to the present embodiment, first, the user terminal 200 transmits to the settlement server 100 a proxy request for a change procedure to change the designated account designated as the account for debiting the usage fee to the account for settlement of digital money used in the electronic settlement service (step S21). Specifically, as shown in FIG. 3, the user terminal 200 launches the settlement application according to the operation of the user U1, displays the operation screen 201 for transmitting the proxy request, and transmits the proxy request to the settlement server 100 in response to the user U1's operation on the operation screen 201.

The proxy request includes requester identification information (hereinafter referred to as "requester ID") indicating the requester of the change procedure and a power of attorney for the change procedure. The requestor ID is typically the user ID. The power of attorney is a document certifying that the settlement server 100 is entrusted with the change procedure for changing the designated account designated as the account for debiting the usage fee to the settlement account for digital money used in the electronic settlement service. The power of attorney can be attached to the proxy request using the operation screen 201, which will be described later.

The operation screen 201 shown in FIG. 3 has a send button 202 for instructing transmission of a proxy request, a check box 203 for attaching a power of attorney to the proxy request, a deep link 204 for confirming the details of the proxy request, a deep link 205 for activating a proxy creation tool, and the like. The configuration of the operation screen 201 is not limited to the example shown in FIG. 3, and may be another configuration.

In the operation screen 201 , the send button 202 may be controlled to become effective in conjunction with inputting a check in the check box 203 . As a result, a power of attorney (an example of document data) indicating the delegation of proxy processing for account change can be securely attached before sending the proxy request. In addition, the operation screen 201 allows the user U1 to easily confirm the details of the processing to be executed by the change request, disclaimers, and the like through a website accessible from the deep link 204 . The operation screen 201 can also provide the user U1 with a function for creating a power of attorney on the user terminal 200 through a creation tool that can be activated by the deep link 205 .

A function for displaying the operation screen 201 on the user terminal 200 and transmitting a change request can be provided as an add-on to the payment application, but may be provided to the user U1 as an application separate from the payment application. Alternatively, the settlement server 100 may receive a change request from a web page that the settlement server 100 opens to the user U1.

Upon receiving the proxy request from the user terminal 200, the settlement server 100 executes proxy processing (step S22). Specifically, the settlement server 100 transmits a change notification of the designated account to the affiliated stores of the electronic settlement service that have received payment by debiting from the designated account. At this time, the settlement server 100 first accesses the system of the financial institution that manages the designated account linked to the proxy request, refers to the payment history of the designated account, and automatically identifies the member store to which the change notification is to be sent. As a result, the settlement server 100 can reduce the user's burden of procedures when changing the account used for payment of the usage fee to the digital money settlement account.

For example, the settlement server 100 accesses a system of a financial institution that manages designated accounts through a bank API published as an open API (Application Programming Interface). The settlement server 100 also identifies personal information associated with the user ID that matches the requester ID, and acquires information necessary for account inquiry. Based on the acquired personal information, the settlement server 100 also identifies account information linked to the requestor ID in the system of the financial institution. In addition, the settlement server 100 refers to the payment history of the specified account information, and specifies the affiliated store that receives payment by debiting from the designated account through the account transfer service. FIG. 4 is a diagram showing an example of a payment history according to this embodiment. FIG. 4 shows, for example, account information of financial institution Z linked to user U1.

The settlement server 100 identifies a payment history in which regular payments are made from the payment history of user U1. In the example shown in FIG. 4, payment is made to member store B on the 27th day of every month. Therefore, the settlement server 100 identifies the member store B as the member store that receives payment through the account transfer service that designates the account of the financial institution used by the user U1. Similarly, the settlement server 100 identifies other affiliated stores that pay the usage fee for the user U1 by debiting from the designated account. After identifying the affiliated store, the settlement server 100 creates a change notification for notifying that the designated account will be changed to a digital money settlement account.

Then, the settlement server 100 transmits the change notification to the member store that has received the payment by debiting from the designated account (step S23). In this way, the settlement server 100 transmits to each member store a change notification attached with a power of attorney (an example of document data) indicating that proxy processing is to be delegated, thereby reducing the user U1's procedural burden associated with account change.

Upon receiving the change notification from the settlement server 100, the member store server 700 performs change procedure processing based on the change notification, and transmits a result notification indicating the processing result of the change procedure to the settlement server 100 (step S24).

The settlement server 100, upon receiving the result notification from the member store server 700, executes notification processing (step S25). For example, the settlement server 100 generates notification information for notifying the user terminal 200 of the result of the proxy request for changing the debit account by any method such as push notification or e-mail. The settlement server 100 then transmits a request result notification based on the notification information to the user terminal 200 (step S26). In the example shown in FIG. 3, a notification to the effect that the procedure has been successfully completed is displayed on the user terminal 200 as the request result notification of the procedure for changing the account for withdrawal.

Note that the settlement server 100 may process various procedures related to account changes on behalf of the user U1 within the scope of entrustment described in the power of attorney. For example, as various procedures related to account change that the settlement server 100 can perform on behalf of the user U1, collection of information such as documents required for the account transfer service, request for sending a cancellation request form for the account transfer service, etc. can be considered.

[3. Device configuration example]
The configuration of the settlement server 100 according to this embodiment will be described below. FIG. 5 is a block diagram showing a configuration example of a settlement server according to this embodiment.

As shown in FIG. 5, the settlement server 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N-1 or network N-3 by wire or wirelessly. The communication unit 110 transmits and receives information to and from the user terminal 200, the payment source server 300, the bank server 400, the store terminal 600, the member store server 700, etc. via the network N-1 or network N-3. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5 , storage unit 120 has user information storage unit 121 and account information storage unit 122 .

(Regarding the user information storage unit 121)
The user information storage unit 121 stores user information about a user (for example, user U1) who uses the electronic payment service provided by the payment server 100 . FIG. 6 is a diagram showing an overview of user information according to this embodiment. Note that FIG. 6 shows an example of user information according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 6, the user information stored in the user information storage unit 121 has a plurality of items such as a "user ID" item, a "name" item, a "date of birth" item, an "address" item, a "telephone number" item, and an "account ID" item. Each item of the user information is associated with each other.

The “user ID” item stores a user ID, which is identification information individually given to each user in order to identify a user (for example, user U1, a payment source, a provider, etc.) who uses the electronic payment service provided by the payment server 100.

In addition, information on the user's name is stored in the item "name". Information on the date of birth of the user is stored in the item “date of birth”. Information on the user's address is stored in the "address" item. The "telephone number" item stores information on the telephone number assigned to the telephone owned by the user. These pieces of personal information are used when the settlement server 100 identifies the information of the designated account designated as the transfer account of the account transfer service by the user who requested the proxy request.

The item "account ID" stores account identification information for identifying a settlement account (hereinafter referred to as "account ID" as appropriate).

(Regarding the account information storage unit 122)
The account information storage unit 122 stores various types of information (an example of the balance information described above) related to accounts (settlement accounts) owned by users, salary payers, providers, etc. in the electronic settlement service. FIG. 7 is a diagram showing an outline of account information according to this embodiment. FIG. 7 shows an example of account information according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 7, the account information stored in the account information storage unit 122 has multiple items such as "account ID", "owner ID", "total balance", and "details". Each item of the account information is associated with each other.

The item "account ID" stores an account ID for identifying a settlement account. The account ID information stored in the "account ID" item of the account information corresponds to the account ID information stored in the "account ID" item of the user information described above. The item “owner ID” stores identification information for identifying the owner who owns the settlement account linked to the account ID. For example, in the example shown in FIG. 7, the item "owner ID" stores "U#001", which is the user ID of user U1, "U#002", which is the payer ID of the payer who pays the salary, and "U#003", which is the provider ID of the provider who provides the transaction object.

The "total balance" item stores information indicating the total balance of the settlement account. Information indicating the breakdown of the total balance is stored in the "breakdown" item. Specifically, the item of "breakdown" includes the item of "salary" and the item of "other than salary", and the item of "other than salary" is subdivided into small items such as the item of "normal" and the item of "profit".

The "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The "other than salary" item stores information indicating the balance of digital money deposited under the name other than salary, out of the total balance stored in the "total balance" item.

Among the items of "other than salary", information indicating the balance of digital money charged by the owner of the settlement account is stored in the item of "normal". As an example, the “normal” item stores information indicating the balance of digital money deposited from the credit card or bank account linked to the settlement account. The "profit" item stores, for example, information indicating the balance of digital money cashed back for the payment amount when the electronic payment service provided by the information processing system 1 is used.

(Regarding the control unit 130)
The control unit 130 is a controller that controls the payment server 100 and executes calculations. Each unit of the control unit 130 is realized by executing various programs stored in a storage device inside the payment server 100 using a RAM as a work area, for example, by a CPU (Central Processing Unit), MPU (Micro Processing Unit), or the like. Also, the control unit 130 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 5 , the control unit 130 has a reception unit 131 and a proxy processing unit 132 . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. 5 . The internal configuration of the control unit 130 is not limited to the units shown in FIG. 5, and may include units that implement or execute information processing functions and actions for separately managing at least the salary balance among the total balance of digital money.

(Regarding the reception unit 131)
A reception unit 131 (an example of a request reception unit) receives from a user of an electronic payment service a proxy request for a change procedure for changing a designated account designated as a charge account for withdrawal of usage fees to an account for settlement of digital money used in the electronic settlement service. The reception unit 131 receives a proxy request through the communication unit 110 . The proxy request includes a requestor ID indicating the requestor and a power of attorney for the change procedure.

(Regarding proxy processing unit 132)
The proxy processing unit 132 executes proxy processing for changing the designated account to the settlement account in response to the proxy request received by the reception unit 131 . Specifically, the proxy processing unit 132 transmits a change notification of the designated account to the member store server 700 belonging to the member store of the electronic payment service that receives payment by debiting from the designated account. The proxy processing unit 132 encloses a power of attorney included in the proxy request when transmitting the change notification. At this time, the proxy processing unit 132 can access the system of the financial institution that manages the designated account linked to the proxy request, refer to the payment history of the designated account, and identify the member store.

For example, the proxy processing unit 132 accesses the system of the financial institution through a bank API published as an open API. Further, the proxy processing unit 132 specifies personal information associated with the user ID that matches the requester ID from among the user information stored in the user information storage unit 121, and acquires information necessary for account inquiry. Also, based on the acquired personal information, the proxy processing unit 132 identifies account information linked to the requester ID in the system of the financial institution. Also, the proxy processing unit 132 refers to the payment history of the specified account information, and specifies a payment history in which payments are made periodically from the payment history of the user U1. The settlement server 100 also identifies the member store that receives the payment by debiting from the specified account based on the transaction details of the identified payment history.

Alternatively, the proxy processing unit 132 can refer to the credit card usage history to identify the affiliated store of the electronic payment service that receives payment by credit card.

It should be noted that the agency processing unit 132 may process various procedures related to account changes on behalf of the user U1 within the scope of entrustment described in the power of attorney. For example, as various procedures related to the account change that the proxy processing unit 132 can perform on behalf of the user U1, collection of information such as documents required for the account transfer service, request for sending a cancellation request form for the account transfer service, etc. can be considered.

Further, the reception unit 131 described above may realize or execute at least a part of the information processing function and action for separately managing at least the salary balance among the total balance of digital money. Further, the control unit 130 may further include a deposit processing unit, a payment processing unit, and a display control unit as units that implement or execute information processing functions and actions for separately managing at least the salary balance among the total balance of digital money. It should be noted that the information processing function and action for separately managing at least the salary balance among the total balance of digital money described below may be realized by another server device cooperating with the settlement server 100 .

For example, the accepting unit 131 accepts a deposit request for digital money. Further, the receiving unit 131 receives a request for withdrawal of digital money to the ATM 500 . In addition, the reception unit 131 may receive payment information regarding payment for a transaction target in an electronic commerce service. For example, the receiving unit 131 receives from the user terminal 200 payment information indicating a user ID that identifies a user, a provider ID that identifies a provider who provides a transaction object, and a price (settlement amount) of the transaction object.

Further, the reception unit 131 may receive payment information from the store terminal 600 installed in the store. For example, the reception unit 131 receives payment information indicating the user ID read by the shop terminal 600 and displayed on the user terminal 200, the payment amount, and information identifying the shop.

In addition, the reception unit 131 may receive a confirmation request for the total balance of digital money from the user terminal 200 . In this case, the confirmation request should include at least the user ID.

The deposit processing unit performs deposit processing for the account information storage unit 122 based on the deposit request accepted by the accepting unit 131 . Specifically, the deposit processing unit transfers digital money equivalent to the deposit amount included in the deposit request from the settlement account linked with the payment source ID included in the deposit request to the settlement account linked with the payee ID included in the deposit request. That is, the deposit processing unit subtracts the deposit amount from the total balance of the settlement account linked to the payment source ID, and adds the deposit amount to the total balance of the settlement account linked to the payee ID.

Further, when the name included in the payment request is "salary", the payment processing unit adds the payment amount to the "salary" item in the total balance of the settlement account linked to the payee ID. On the other hand, when the name included in the payment request is "other than salary", the payment processing unit adds the payment amount to the item "other than salary" in the total balance of the settlement account linked to the payee ID. For example, if the name included in the deposit request is "normal", the deposit processing unit adds the deposit amount to the "normal" item of the total balance of the settlement account linked to the payee ID. Further, when the name included in the payment request is "profit", the payment processing unit adds the payment amount to the "profit" item in the total balance of the settlement account linked to the payee ID.

The withdrawal processing unit performs withdrawal processing for the account information storage unit 122 based on the withdrawal request accepted by the accepting unit 131 . Specifically, the withdrawal processing unit subtracts digital money corresponding to the withdrawal amount included in the withdrawal request from the settlement account linked to the withdrawal source ID included in the withdrawal request. Then, the withdrawal processing unit transmits a withdrawal instruction to the bank server 400 associated with the bank ID included in the withdrawal request via the communication unit 110 and the network N-1. The withdrawal instruction may include information such as the withdrawal source ID and the withdrawal amount.

Further, when the withdrawal destination included in the withdrawal request is "ATM", the withdrawal processing unit subtracts the withdrawal amount from the "salary" item in the total balance of the settlement account linked to the withdrawal source ID. On the other hand, when the withdrawal destination included in the withdrawal request is other than "ATM", for example, when the withdrawal destination is "bank account", the withdrawal processing unit may subtract the withdrawal amount from the item selected by the user from among the "salary" item and "normal" item of the settlement account linked to the withdrawal source ID. The selection of the balance item to be the withdrawal source (here, the “salary” item and the “normal” item) may be performed by operating the ATM 500 . Alternatively, it may be set in advance by the user.

The display control unit causes the user terminal 200 used by the user to display content related to the electronic payment service provided by the information processing system 1 . For example, when the reception unit 131 receives a request for confirmation of the total balance from the user terminal 200, the display control unit transmits balance information indicating the total balance of the settlement account owned by the user to the user terminal 200 of the user identified by the user ID included in the confirmation request. At this time, the display control unit, for example, acquires each item of "total balance", "salary", and "other than salary" from the settlement account linked to the user ID, and causes the user terminal 200 to display the acquired information on the user terminal 200 through the settlement application pre-installed on the user terminal 200.

[4. Processing procedure]
A processing procedure of the settlement server 100 according to the present embodiment will be described below with reference to FIG. FIG. 8 is a flow chart showing an example of the processing procedure of the settlement server according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the settlement server 100 .

As shown in FIG. 8, the reception unit 131 receives, from the user terminal 200, a proxy request for a procedure to change, for example, a designated account designated as a payment account for usage fees to a digital money settlement account used in an electronic settlement service, through the communication unit 110 (step S101).

The proxy processing unit 132 identifies member stores using the account transfer service from the payment history linked to the requester of the proxy request (step S102). For example, the proxy processing unit 132 accesses the system of the financial institution through a bank API published as an open API. Further, the proxy processing unit 132 specifies personal information associated with the user ID that matches the requester ID from among the user information stored in the user information storage unit 121, and acquires information necessary for account inquiry. Also, based on the acquired personal information, the proxy processing unit 132 identifies account information linked to the requester ID in the system of the financial institution. Also, the proxy processing unit 132 refers to the payment history of the specified account information, and specifies a payment history in which payments are made periodically from the payment history of the user U1.

After identifying the affiliated store, the proxy processing unit 132 creates a change notification for changing the specified account to the settlement account (step S103). The proxy processing unit 132 encloses the power of attorney included in the proxy request received in step S101 with the created change notification.

Then, the proxy processing unit 132 transmits the change notification created in step S103 to the member store server 700 belonging to the member store specified in step S102 (step S104).

[5. Modification]
The embodiment described above is an example of information processing according to the embodiment, and various modifications and applications are possible. For example, the settlement server 100 may have a support function such as providing guide information indicating how to obtain the necessary information when there is information that needs to be submitted to the member store in the change procedure for changing the designated account to the settlement account. For example, it is assumed that the settlement server 100 needs to transmit the meter number of the smart meter to the affiliated store receiving the payment of the electricity usage charge through the account transfer service. In this case, the settlement server 100, in response to the reception of the proxy request, transmits information such as the installation position of the smart meter, the part where the meter number of the smart meter is written, or the part where the meter number is written on the invoice to the user terminal 200 and provides it to the user.

[6. Hardware configuration]
Also, the settlement server 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 100 will be described below as an example. FIG. 9 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server according to this embodiment. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via network N and sends the data to CPU 1100, and also transmits data generated by CPU 1100 via network N to other devices.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via 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 settlement server 100 , the CPU 1100 of the computer 1000 implements the functions of the control unit 130 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the settlement server 100 is stored in the HDD 1400 . The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired via the network N from another device.

[7. effect〕
As described above, the settlement server 100 according to the embodiment has the reception unit 131 and the proxy processing unit 132 . The reception unit 131 receives a proxy request from a user of the electronic payment service to perform a procedure for changing a designated account designated as a payment account for the usage fee to a digital money payment account used in the electronic payment service. The proxy processing unit 132 executes proxy processing for changing the designated account to the settlement account in response to the proxy request received by the reception unit 131 .

As a result, the settlement server 100 can reduce the user's burden of procedures when changing the account used for payment of the usage fee to the settlement account for digital money, and improve usability. As a result, the settlement server 100 can enhance the superiority of digital money as a means of receiving salary.

In addition, the proxy processing unit 132 transmits a notification of change of the designated account to the affiliated store of the electronic payment service that has received payment by debiting from the designated account. As a result, the payment server 100 does not require the user to notify the affiliated store of the account change, and can reduce the user's burden of procedures associated with the account change. As a result, the settlement server 100 can enhance the superiority of digital money as a means of receiving salary.

Also, the proxy processing unit 132 accesses the system of the financial institution that manages the designated account linked to the proxy request, refers to the payment history of the designated account, and identifies the member store. Thereby, the settlement server 100 does not need to acquire from the user the information of the member points for which the charge is paid using the account transfer service, and the burden of the user's procedures accompanying the change of the account can be reduced. As a result, the settlement server 100 can enhance the superiority of digital money as a means of receiving salary.

In addition, the proxy processing unit 132 acquires from the user a power of attorney indicating that the proxy processing is to be delegated, and transmits the acquired power of attorney to the member store together with a change notification. This eliminates the need for the user to submit the power of attorney to the affiliated store even when the power of attorney is required for the account change, thereby reducing the user's burden of procedures associated with the account change. As a result, it is possible to increase the advantage of digital money as a means of receiving salaries while promoting the use of electronic payment services.

The accepting unit 131 may also function to accept a deposit request including the identification information of the user who receives the deposit of digital money and the name of the deposit. Moreover, the settlement server 100 may further have a deposit processing unit. The deposit processing unit performs deposit processing for the salary balance out of the total balance linked to the identification information included in the deposit request when the name included in the deposit request accepted by the accepting unit 131 functioning as a deposit acceptance unit is salary, and performs deposit processing for the balance other than salary out of the total balance linked to the identification information included in the deposit request when the name included in the deposit request accepted by the accepting unit 131 is a name other than salary. As a result, balances including salaries can be appropriately managed in the electronic payment service.

In addition, the settlement server 100 may further include a payment acceptance unit and a payment processing unit. The withdrawal acceptance unit accepts a withdrawal request to an ATM containing identification information. The withdrawal processing unit, when the withdrawal request is accepted by the withdrawal request, performs withdrawal processing from the salary balance out of the total balance linked to the identification information included in the withdrawal request. As a result, the settlement server 100 enables a user to withdraw directly from an ATM without going through a bank account (that is, without once transferring the digital money to the bank account) when cashing the salary received in digital money.

The settlement server 100 may further include a display control unit that separates the total balance into the salary balance and the non-salary balance and displays it on the terminal device used by the user. Thereby, the settlement server 100 allows the user to easily check the balance of the salary deposited in his/her own settlement account. In addition, the settlement server 100 allows the user to easily grasp the balance of digital money that can be cashed at an ATM among the total balance of digital money owned by the user.

[8. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings, but these are examples, and the present invention can be implemented in other forms with various modifications and improvements based on the knowledge of those skilled in the art, including the embodiments described in the disclosure of the invention.

In addition, the configuration of the above-described payment server 10 can be flexibly changed, such as by calling an external platform or the like using an API or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

Also, the effects described in the embodiments of the present application are merely descriptive or exemplary, and are not limiting. In other words, the embodiments of the present application can have other effects that are obvious to those skilled in the art from the description of the embodiments in addition to or instead of the above effects.

100 settlement server 110 communication unit 120 storage unit 121 user information storage unit 122 account information storage unit 130 control unit 131 reception unit 132 agency processing unit 200 user terminal 300 payment source server 400 bank server 500 ATM
600 store terminal 700 member store server 1000 computer 1100 CPU
1200 ROMs
1300 RAM
1400 HDDs
1500 Communication interface (I/F)
1600 input/output interface (I/F)
1700 media interface (I/F)

Claims (7)

An information processing system including a user terminal used by a user of an electronic payment service and an information processing device that executes processing related to the electronic payment service,
The user terminal is
launching a payment application in accordance with an operation from the user, using the function of the payment application to display an operation screen for transmitting a proxy request for a procedure for changing a designated account designated as an account for debiting usage fees paid by the user to a payment account for digital money used in the electronic payment service at a member store of the electronic payment service, and transmitting the proxy request to the information processing device through the displayed operation screen;
The information processing device is
a request receiving unit that receives the proxy request from the user together with document data attached to the proxy request and indicating that proxy processing of the procedure is delegated;
and a proxy processing unit that executes proxy processing for changing the specified account to the settlement account in response to the proxy request received by the request receiving unit. The proxy processing unit
2. The information processing system according to claim 1, wherein a notification of change of said designated account is transmitted to a member store of said electronic payment service that receives payment by debiting from said designated account. The proxy processing unit
3. The information processing system according to claim 2, wherein the member store is identified by accessing a system of a financial institution that manages the designated account linked to the proxy request, referring to the payment history of the designated account. The proxy processing unit
4. The information processing system according to claim 2, wherein document data indicating delegation of said proxy processing is acquired from said user, and said acquired document data is transmitted to said member store together with said change notification. a deposit receiving unit that receives a deposit request including the identification information of the user who receives the deposit of the digital money and the name of the deposit;
a payment processing unit that performs payment processing for a balance other than salary out of the total balance linked to the identification information included in the payment request received by the payment reception unit when the name included in the payment request received by the payment reception unit is salary, and performs payment processing for a balance other than salary out of the total balance linked to the identification information included in the payment request when the name included in the payment request received by the payment reception unit is a name other than salary. The information processing system according to . a withdrawal receiving unit that receives a withdrawal request to an ATM (Automatic Teller Machine) containing the identification information;
6. The information processing system according to claim 5, further comprising: a withdrawal processing unit that, when the withdrawal request is received by the withdrawal request, performs withdrawal processing from the salary balance out of the total balance linked to the identification information included in the withdrawal request. 7. The information processing system according to claim 5, further comprising a display control unit that displays the total balance on the terminal device used by the user by dividing the total balance into the salary balance and the non-salary balance.

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