JP2022057990A - Information processor, information processing method and information processing program - Google Patents

Abstract

To provide an information processor, an information processing method, and an information processing program that improve flexibility of settlement using a terminal device.SOLUTION: An information processor according to a present application includes a reception unit that receives processing target information indicating that settlement by predetermined settlement means using a terminal device used by a user is a target of predetermined settlement processing, and an execution unit that executes, when the processing target information is received, processing of transferring an amount of the settlement from a second account, which is an account different from a first account held by the user, to a third account, which is a payment destination account of the settlement.SELECTED DRAWING: Figure 3

Description

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

Conventionally, there has been known a technique for flexibly making payments in order to improve user convenience. For example, a technique for providing a postpaid service by credit is provided (for example, Patent Document 1).

Patent No. 6682688

However, with the above-mentioned conventional technique, it may be difficult to improve the flexibility of payment using the terminal device. The above-mentioned prior art mainly targets credit cards, for example, a second upper limit that is settled in a single payment of multiple payments at a predetermined ratio or less of the first upper limit that is settled by the postpaid service within a predetermined period. I'm just setting the amount. Therefore, there is room for improvement in terms of the flexibility of payment using the terminal device.

The present application has been made in view of the above, and an object of the present application is to provide an information processing device, an information processing method, and an information processing program capable of improving the flexibility of payment using a terminal device.

The information processing device according to the present application includes a receiving unit that receives processing target information indicating that payment by a predetermined payment means using a terminal device used by a user is a target of predetermined payment processing, and the processing target information. Is received, the process of transferring the payment amount from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment, is executed. It is characterized by having an execution unit.

According to one aspect of the embodiment, there is an effect that the flexibility of payment using the terminal device can be improved.

FIG. 1 is a diagram showing an example of expense settlement processing. FIG. 2 is a diagram showing an example of a screen of a user terminal. FIG. 3 is a diagram showing an example of a predetermined method payment process according to an embodiment. FIG. 4 is a diagram showing a flow between accounts in a predetermined method payment process. FIG. 5 is a diagram showing a configuration example of a payment server according to an embodiment. FIG. 6 is a diagram showing an example of an account database according to an embodiment. FIG. 7 is a diagram showing an example of a user information database according to an embodiment. FIG. 8 is a diagram showing a configuration example of a user terminal according to an embodiment. FIG. 9 is a diagram showing a configuration example of the second application according to the embodiment. FIG. 10 is a flowchart showing an example of the procedure of the predetermined method payment processing according to the embodiment. FIG. 11 is a sequence diagram showing an information processing procedure by the information processing system according to the embodiment. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device.

Hereinafter, an information processing apparatus, an information processing method, and an embodiment for implementing an information processing program (hereinafter referred to as “embodiments”) according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the information processing apparatus, information processing method, and information processing program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Embodiment]
Prior to the description of the predetermined method payment processing realized by the information processing system 1 of the present embodiment, first, the expense settlement processing will be described with reference to FIG. 1. FIG. 1 is a diagram showing an example of expense settlement processing. In the following, the deferred payment process will be described as an example of the predetermined settlement process (process of payment by the predetermined method), but the predetermined settlement process (process of payment by the predetermined method) may be the settlement process using the second account described later. For example, it is not limited to postpaid processing.

[1-1. An example of an information processing system]
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, a settlement processing server 200, and a business operator terminal 300. The payment server 10, the user terminal 100, the settlement processing server 200, and the business operator terminal 300 are connected to each other via a network N (for example, see FIG. 5) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. Even if the information processing system 1 shown in FIG. 1 includes a plurality of payment servers 10, a plurality of user terminals 100, a plurality of settlement processing servers 200, and a plurality of business terminals 300. good. When the user directly applies for expenses to the business terminal 300, the information processing system 1 does not have to include the settlement processing server 200. In this case, for example, the business terminal 300 has the same function as the settlement processing server 200, and the business terminal 300 transmits / receives information to / from the user terminal 100 by the settlement processing server 200 in the processing described later. May be good. Further, in this case, the transmission / reception of information performed by the business operator terminal 300 with the settlement processing server 200 in the processing described later may be the transmission of information within the business operator terminal 300.

The payment server 10 shown in FIG. 1 is an information processing device that provides an electronic payment service (also referred to as “payment service X”) related to electronic payment using the user terminal 100 and performs various payments, for example, a server device or a server device. Realized by a cloud system. For example, the payment server 10 manages the accounts of the provider of the transaction target and the user to which the transaction target is provided, and transfers electronic money between the accounts in accordance with the payment request from the user. Realize various payments. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

In the following, the account held by the user who uses the user terminal 100 is described as "first account", and the account different from the first account held by the user is described as "second account" for payment. The payee's account may be described as "third account", and the account held by the business operator may be described as "fourth account". For example, the first account is a user's account registered in an electronic payment service related to electronic payment using the user terminal 100. For example, the first account is a user's private account.

Further, for example, the second account is an account linked to the business operator. For example, the second account may be an account for the business operator to make a deposit. In this case, the second account may be a predetermined method payment account that can be used by a predetermined method payment within the range of the amount deposited by the business operator. Further, the second account may be an account in which a predetermined credit line is set. For example, the second account is an account for which a credit line is set for a business operator (company, etc.) to which the user belongs. For example, the second account is a credit account of a business operator, and is a predetermined payment account set within the range of credit lines of each business operator. The credit line is not limited to each business operator, and may be set in various manners. For example, a credit line may be set for each user such as an employee belonging to a business operator (company or the like). For example, a credit line may be set according to the performance of each user. For example, a credit line for each user may be set according to the past record of expense settlement. For example, a user who has a large amount of past expense settlement may have a large credit line. For example, a credit line for general employees (first line) and a credit line for executive employees (second line) may be set according to actual results. In this case, a second account may be provided for each credit line, or a plurality of credit lines may be associated with one second account. The above is only an example, and the credit line may be set in any manner as long as the predetermined method payment processing can be provided. In the following, a second account with a credit line set for explanation is shown as an example, but the second account may be in any format as long as it can be used as a predetermined payment method. The account may be described as the wallet of the business associated with the second account or simply the wallet.

Further, for example, the third account is an account that is a payment destination in an electronic payment service related to electronic payment using the user terminal 100. Further, for example, the fourth account is the account of the business operator to which the user belongs. It should be noted that the first account to the fourth account distinguish between accounts in order to explain the predetermined payment process, and may be described as "account" when the explanation is made without particular distinction.

Further, although the details will be described later, the predetermined method payment process here is a process of performing payment using a second account which is a predetermined method payment account (credit account) (also referred to as “prescribed method payment settlement”). To tell. In the following, payments that do not use the second account, that is, normal payment processing, may be described as "normal payment processing" or simply "settlement processing" when distinguished from predetermined method payment processing.

The user terminal 100 shown in FIG. 1 is a terminal device (information processing device) used by the user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 100 displays information distributed by the payment server 10, the settlement processing server 200, the business terminal 300, and the like by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a smartphone is shown. Further, the user terminal 100 has a position sensor such as a GPS sensor and detects the position of the user. The user terminal 100 may associate the user's position at the time of payment with the payment and store it in the storage unit 120, or transmit it to another information processing device such as the payment server 10 or the settlement processing server 200. May be good. For example, the user terminal 100 may include information on the position of the user at the time of payment in the payment information and application information described later, and transmit the information to other information processing devices such as the payment server 10 and the settlement processing server 200. .. The user terminal 100 may acquire the user's position information in any manner as long as the user's position information can be acquired. For example, a user who uses the user terminal 100 may wear a wearable device capable of communicating with the user terminal 100, so that the position of the user may be detected by the wearable device. In this case, the user terminal 100 may acquire the information on the position of the user from the wearable device, or may not have the position sensor. The above is an example, and the user terminal 100 may acquire information on the position of the user by various means.

The settlement processing server 200 shown in FIG. 1 is an information processing device that provides a settlement processing service for expenses paid to a user by an organization (business operator) to which the user belongs, and is realized by, for example, a server device or a cloud system. Will be done. For example, the settlement processing server 200 manages the business operator and the user in association with each other, and when the settlement information indicating the expense settlement target is received from the user, the settlement processing server 200 is associated with the business operator associated with the user. By providing information based on the settlement information, the settlement process is realized. To give a specific example, the settlement processing server 200 receives settlement information indicating the usage history of the user in the service used by the user and linked (linked) with the settlement processing service.

The business terminal 300 shown in FIG. 1 is an information processing device used by the business. The business terminal 300 is realized by, for example, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. Further, the business terminal 300 displays information distributed by the payment server 10, the user terminal 100, the settlement processing server 200, and the like by a web browser or an application. In the example shown in FIG. 1, a case where the business terminal 300 is a notebook PC is shown.

When the user terminal 100 and the business terminal 300 receive the control information for realizing the predetermined information processing from the payment server 10 or the settlement processing server 200, the user terminal 100 and the business terminal 300 realize 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) or a style sheet language such as CSS (Cascading Style Sheets). The predetermined application itself distributed from the payment server 10 or the settlement processing server 200 may be regarded as control information.

[1-2. Payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the explanation of the predetermined method payment processing. In the following description, the user U uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information C1 that identifies the store A. An example of making a payment using the user terminal 100 will be described, but the embodiment is not limited to this. The example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. Further, the store identification information C1 may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U makes a payment associated with the use or purchase of a payment target (transaction target) such as various products and services at the store A, the user U is a payment target pre-installed on the user terminal 100. Launch an application (hereinafter sometimes referred to simply as a "payment app"). Then, the user U photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the clerk of the user U or the store A. Then, the user terminal 100 includes the user identification information for identifying the user U and the store identification information C1 (or the information indicated by the store identification information C1, that is, the information indicating the store A (for example, the store ID)). , Information indicating the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 indicates the payment amount from the user U account (first account) indicated by the user identification information to the store A account (third account) indicated by the store identification information C1. Transfer the amount of electronic money. Then, the payment server 10 transmits a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice.

The payment using the user terminal 100 is not limited to the above-mentioned processing. For example, the payment using the user terminal 100 may be made using the store terminal installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or the information indicated by the user identification information, that is, the user U. Information (for example, user ID) indicating the above, the payment amount, and the information indicating the store A are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store A, and the store terminal or the user of the store A. The terminal 100 may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the user terminal 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U to the account of the store A, but also, for example, the credit registered in advance by the user U. Payment using a card may be used. In such a case, for example, the user terminal 100 may transfer the electronic money of the payment amount to the account of the store A and charge the payment amount to the credit card management company of the user U. ..

[1-3. Overview of expense reimbursement processing]
The outline of the expense settlement process will be described with reference to FIG. In the following description, an example will be shown in which the user terminal 100 is used by the user U and the business terminal 300 is used by the business B to which the user U belongs. Further, in the following description, the user terminal 100 may be equated with the user U, and the business terminal 300 may be equated with the business B. That is, in the following, the user U can be read as the user terminal 100, and the business operator B can be read as the business terminal 300.

Further, in the following description, an application related to the settlement processing service provided by the settlement processing server 200 (hereinafter, may be simply referred to as “payment processing application”) is already installed in the user terminal 100 and the business terminal 300. It is assumed that the user U and the business operator B are linked and managed by the settlement processing server 200. Further, in the following description, the account (user ID) of the user U in the electronic payment service provided by the payment server 10 and the account of the user U in the payment processing service provided by the payment processing server 200 are linked. It is assumed that the information regarding the association of accounts is managed by the payment server 10 and the settlement processing server 200.

First, the user terminal 100 executes a process related to the electronic payment of the user U (step S1). In the example of FIG. 1, it is assumed that the user terminal 100 makes a payment to the store A by the payment method using the payment application described above.

Subsequently, the clerk M1 of the store A provides the receipt to the user U (step S2). For example, the clerk M1 provides a receipt output (printed) from an output device (for example, a printer, a POS (Point of Sales) terminal, etc.) OD1 in response to a payment from the user U.

In the example of FIG. 1, it is assumed that the user U wishes to settle the payment to the store A as the expense settlement target. In this case, the user terminal 100 displays a payment information registration screen indicating payment for which the expense is to be settled according to the operation of the user U (step S3). For example, the user terminal 100 activates the payment application in response to an operation from the user U, and displays a list screen of the history of payments made by the user U using the payment application. Then, the user U selects the payment history for the store A from the list screen, and instructs the user terminal 100 to display the registration screen.

Subsequently, the user U registers the payment information on the registration screen displayed on the user terminal 100 (step S4). For example, the user U registers the payment contents for the store A and the receipt provided by the store A as payment information.

Here, the registration screen displayed by the user terminal 100 will be described with reference to FIG. FIG. 2 is a diagram showing an example of a screen of a user terminal.

As shown in FIG. 2, the user terminal 100 displays a screen SC1 indicating a payment made by the user U to the store A using the payment application. For example, the user terminal 100 performs a payment content indicating information such as a payee, a payment amount (payment amount), and a payment date / time (transaction date / time), and a receipt registered from the payment destination. Display the screen SC1 including the area AR1 for the purpose. In other words, the user terminal 100 displays the screen SC1 in which the payment contents are registered in advance. Here, when the user U performs a selection operation for the area AR1, the user terminal 100 transitions from the screen SC1 to the screen SC2.

As shown in FIG. 2, the user terminal 100 has a screen SC2 including a payment content, an area AR2 for performing a receipt image registration operation, and an area AR3 for instructing that the receipt registration is completed. Is displayed. Here, when the user U performs a selection operation for the area AR2, the user terminal 100 activates the image pickup unit of the own device and instructs the user U to take an image of the receipt provided by the store A. .. Then, when the image of the receipt is taken, the user terminal 100 transitions from the screen SC2 to the screen SC3.

As shown in FIG. 2, the user terminal 100 displays the screen SC3 including the image P1 of the receipt instead of the area AR2. Here, when the user U performs a selection operation for the area AR3, the user terminal 100 completes the registration of the payment information.

Returning to FIG. 1, the explanation will be continued. The user terminal 100 transmits the registered payment information to the payment processing server 200 as payment information indicating the payment to be settled (step S5). For example, the user terminal 100 uses the payment information including the receipt image P1 included in the screen SC3 shown in FIG. 2, the payment content, and the user ID of the user U in the electronic payment service as the payment processing server. Send to 200. Note that FIG. 1 illustrates a case where the user terminal 100 directly transmits the settlement information to the settlement processing server 200, but the user terminal 100 transmits the settlement information to the settlement processing server 200 via the settlement server 10. May be good. For example, the user terminal 100 may transmit the settlement information to the settlement server 10, and the settlement server 10 receiving the settlement information from the user terminal 100 may transmit the settlement information to the settlement processing server 200.

Subsequently, the settlement processing server 200 transmits an expense approval request based on the settlement information to the business terminal 300 (step S6). For example, the settlement processing server 200 transmits the settlement information and the notification indicating that the expense approval request indicated by the settlement information has occurred to the business terminal 300 used by the business B associated with the user U. do.

Subsequently, the business operator terminal 300 transmits a payment request for expenses corresponding to the approval request to the payment server 10 (step S7). For example, the business operator B confirms whether or not the content of the settlement information transmitted from the settlement processing server 200 is incomplete. Then, if there is no defect in the content of the settlement information, the business operator B approves the application for the expense indicated by the settlement information, and uses the business operator terminal 300 to make a payment request regarding the payment of the expense to the user U to the settlement server 10. Send to.

Subsequently, the payment server 10 executes a payment process corresponding to the payment request (step S8). For example, the payment server 10 sends a notification to the user terminal 100 that the application for expenses has been approved. Then, the payment server 10 is electronic money that can be used in the payment means using the payment application, and the business B can use the electronic money for the expenses (the amount of payment by the user U to the store A) indicated by the settlement information. Transfer from the account (fourth account) to the user U's account.

As described above, the user terminal 100 executes payment to the payee using the payment application, and transmits the payment information for the payment to the payment processing server 200 via the payment application. As a result, the information processing system 1 performs the expense settlement process.

[1-4. Example of predetermined payment processing]
From here, the predetermined method payment processing will be described with reference to FIG. FIG. 3 is a diagram showing an example of a predetermined method payment process according to an embodiment. The same points as those described with reference to FIG. 1 and the like will be omitted as appropriate.

In the expense application processing by the above-mentioned normal settlement processing, the transfer of electronic money from the user U's account (first account) to the store A's account (third account) and the business B's account (fourth). By transferring the electronic money from the account) to the user U's account (first account), the expense settlement process for the user U is completed. In this way, in the expense application processing by normal settlement processing that does not use the second account, electronic money is withdrawn once from the user U's account (first account), and then the user U's account (first account). ) When the same amount of electronic money is deposited, the expense settlement process is completed. As described above, in the expense application process by the normal settlement process, the user U once bears (replaces) the expense in the account (first account) of the user U, that is, a so-called take-out state occurs. In such a case, the electronic commerce of the burden (take-out amount) cannot be used until it is approved as an expense and the payment is made from the account (fourth account) of the business operator B. For example, if the balance of the user U's account (first account) is small, the settlement subject to the expense application may not be possible, or the desired settlement may not be possible due to the electronic money taken out. .. Therefore, the information processing system 1 provides a payment process that does not require the user to take out the payment using the user terminal 100 by performing the following predetermined payment process, and uses the user terminal 100. Improve the flexibility of payments that have been made.

In the example of FIG. 3 described below, a case where the user U uses the taxi TX operated by the driver M2 to perform the predetermined method payment processing is shown. In FIG. 3, the payment application installed on the user terminal 100 of the user U is associated with a predetermined payment account (second account) set by the credit of the business operator B to which the user U belongs, and is used. When the person U selects the predetermined method payment settlement, the payment is made from the predetermined method payment account (second account).

First, the user U who has received the service provided by the taxi TX photographs the store identification information C2 installed in the taxi TX via the payment application installed in the user terminal 100 (step S11). In the example of FIG. 3, the store identification information C2 is arranged in the taxi TX and is a two-dimensional code (QR code (registered trademark)) for identifying the taxi TX. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U or the driver M2 of the taxi TX.

Further, the user terminal 100 accepts the user U's choice as to whether to perform normal payment processing or predetermined method payment processing. For example, the user terminal 100 displays a button described as "predetermined method payment processing" on the screen for inputting the payment amount, and when the user U specifies the button, the user U selects the predetermined method payment processing. Accept. The above is only an example, and if it is possible to specify whether the user terminal 100 performs the normal payment process or the predetermined method payment process, the user U can be selected by what input mode. You may accept it. For example, the user terminal 100 may accept the selection of the user U by voice. In this case, when the user U utters "in the predetermined method payment process", the user terminal 100 accepts the selection of the user U in the predetermined method payment process, and the user U utters "in the normal payment process". If so, the user U accepts the selection of normal payment processing.

In the example of FIG. 3, the user terminal 100 accepts the selection of the predetermined method payment process of the user U (step S12). That is, the user U selects to pay the settlement related to the use of the taxi TX of the user U (referred to as “target settlement TS”) by the second account of the business operator B, which is a predetermined payment account.

Then, the user terminal 100 requests the payment server 10 to perform a predetermined payment process (step S13). For example, the user terminal 100 indicates user identification information for identifying user U, store identification information C2 (or information indicated by store identification information C2, that is, information indicating taxi TX), and a payment amount. Along with the information, request information indicating that the predetermined method payment processing is requested is transmitted to the payment server 10. In this way, the user terminal 100 transmits information indicating that the target payment TS of the user U is the target of the predetermined method payment processing (also referred to as “processing target information”) to the payment server 10.

The payment server 10 that has received the request for the predetermined payment process executes the predetermined payment process for the target payment TS (step S14). In the payment server 10, the store identification information C2 is not from the account (first account) held by the user U, but from the account (second account) in which the credit line is set for the business operator B to which the user U belongs. The process of transferring the settlement amount to the indicated taxi TX account (third account) is executed. That is, the payment server 10 deposits (pays) the amount of payment to the taxi TX account indicated by the store identification information C2 without processing the account held by the user U, thereby relating to the target payment TS. Complete the prescribed payment process. Then, the payment server 10 transmits a notification to the user terminal 100 that the predetermined method payment processing has been completed for the target payment TS.

After that, the user U selects the target settlement TS, which is the predetermined payment settlement, as the expense application target. As a result, the user terminal 100 accepts the selection of the user U who is the target of the expense application for the target settlement TS which is the predetermined payment settlement (step S15). For example, the user terminal 100 displays a screen showing a list of predetermined payment payments, and accepts the selection of the user U for the list. For example, the user terminal 100 displays a screen showing a list in which expense application buttons corresponding to each of the predetermined method payment payments are arranged, and the user U specifies the expense application button for the expense application payment. Accept selection as an application target.

In the example of FIG. 3, in the user terminal 100, the user U selects the expense application button of the target settlement TS, and makes a predetermined payment settlement of the amount (for example, 1000 yen, etc.) in the taxi TX corresponding to the target settlement TS. Display the expense application screen (also called "expense application screen"). The expense application screen may be any screen as long as it is a screen for registering a receipt and transmitting information for making an expense application to the settlement processing server 200 according to the operation of the user U. .. For example, the expense application screen may be a screen for registering a receipt image and transmitting information to the settlement processing server 200 in the same manner as the screens SC2 and SC3 in FIG.

Then, the user terminal 100 setstle the information (application information) for applying for the expense of the taxi TX corresponding to the target settlement TS according to the operation of the user U on the expense application screen. (Step S16).

Then, the settlement processing server 200 transmits an expense approval request based on the application information for the target settlement TS to the business terminal 300 (step S17). For example, the settlement processing server 200 is a business in which the business operator B associated with the user U uses the application information about the target settlement TS and the notification indicating that the expense approval request indicated by the application information has occurred. It is transmitted to the person terminal 300.

Then, the business operator terminal 300 transmits a payment request for expenses corresponding to the approval request to the payment server 10 (step S18). For example, the business operator B confirms whether or not the content of the application information transmitted from the settlement processing server 200 is incomplete. Then, if there is no defect in the content of the application information, the business operator B approves the application for the expense indicated by the application report, and uses the business operator terminal 300 to transmit the settlement request regarding the target settlement TS to the settlement server 10. For example, the business terminal 300 transmits approval information indicating that the target settlement TS has been approved as an expense to the settlement server 10. For example, the approval information may include various information necessary for settlement, such as information indicating the amount of business B and the target settlement TS.

Subsequently, the settlement server 10 executes the settlement process corresponding to the settlement request (step S19). The payment server 10 transfers the amount of expenses (the amount of the target payment TS) indicated by the approval information plus the fee (also referred to as "predetermined method payment usage amount") from the account (fourth account) of the business operator B to another account. Transition. For example, the settlement server 10 transfers the amount of the target settlement TS to an account (second account) in which a credit line is set for the business operator B, and transfers the amount of the fee to the account of the service provider of the settlement service X. Transition. If there is no fee, the settlement server 10 executes a process of transferring the amount of the target settlement TS from the account of the business operator B (fourth account) to the account of the business operator B (second account). Further, the payment server 10 may send a notification to the user terminal 100 that the application for expenses has been approved.

As described above, the payment server 10 provides a predetermined method payment process that does not require the user to take out the payment using the user terminal 100 by performing the predetermined method payment process, and uses the user terminal 100. It is possible to improve the flexibility of the payment that was made. If the above-mentioned prescribed payment process cannot be used, the expenses must be borne by the employee (user U, etc.) once. However, by using the predetermined method payment processing as described above, the employee (user U, etc.) can use the predetermined method payment expense settlement and settle the expenses to the company (business operator B, etc.) within the deadline. The amount used for method payment is offset. That is, it is possible to complete the processing for the predetermined method payment usage without making deposits and withdrawals from the first account of the employee (user U, etc.).

[1-4-1. If it is not treated as an expense]
If the target settlement TS is not approved as an expense, the settlement server 10 transfers the target settlement TS from the user U's account (first account) to the account (second account) in which the credit line is set for the business operator B. Execute the process to transfer the amount of money. For example, if the payment server 10 does not receive the approval information indicating that the target payment TS has been approved as an expense within a predetermined period (two months from the time of payment of the target payment TS, etc.), the account of the user U The process of transferring the amount of the target settlement TS from the (first account) to the account (second account) in which the credit line is set for the business operator B is executed. As a result, the settlement server 10 can appropriately perform the settlement processing of the target settlement TS even when the target settlement TS is not approved as an expense. Further, if the expense settlement of the company (business operator B or the like) is delayed, the settlement server 10 may compensate the predetermined method payment from the private account (first account) of the employee (user U or the like).

As described above, the payment server 10 may stop the use of the predetermined method payment process for the user who has applied for the predetermined method payment process and has a payment that is not processed as an expense. For example, the payment server 10 may not be able to use the predetermined method payment because the score becomes worse for the user who uses the predetermined method payment but does not settle the expenses to the company. For example, the payment server 10 may not be able to use the predetermined method payment for the user whose score is less than the predetermined value. The details of the score calculation will be described later.

[1-5. Outline of prescribed payment processing]
Here, an outline of the information processing of the predetermined method payment processing described above will be described. First, the user U who uses the taxi TX pays the taxi TX by a predetermined method. This point corresponds to the processing of steps S11 to S13 in FIG.

Then, based on the predetermined method payment settlement by the user U, the taxi TX is paid from the second account (the second account of the company B) which is the predetermined method payment account as a wallet for each business operator. This point corresponds to the process of step S14 in FIG. Then, the information processing system 1 stores the taxi TX charge (hereinafter referred to as "predetermined method payment taxi fee") in the predetermined method payment usage statement of the user U. For example, the payment server 10 stores in the storage unit 120 information indicating that the taxi TX charge is paid by a predetermined method in association with the private account (first account) of the user U.

Then, the user U applies for an expense application to the business operator B. Since this point is configured to apply for expenses via the settlement processing server 200 in FIG. 3, it corresponds to the processing of steps S15 to S17 in FIG. Then, when the business operator B approves the taxi fare paid by the user U by the predetermined method as an expense, the following processing is performed.

Business B pays the usage amount for the prescribed method payment including the fee. The business operator B deposits the taxi fee paid by the user U by adding a fee to the taxi fee paid by the predetermined method. This point corresponds to the process of step S19 in FIG. Then, the service provider of the payment service X offsets the taxi fare for which the user U has paid the predetermined method. For example, the payment server 10 deletes from the storage unit 120 the information indicating that the taxi TX charge stored in association with the user U's private account (first account) is paid by a predetermined method. Offset the taxi fare for which U has paid the prescribed method.

From here, the flow between accounts in the predetermined method payment processing will be conceptually described with reference to FIG. FIG. 4 is a diagram showing a flow between accounts in a predetermined method payment process.

First, when a predetermined payment process is requested for a certain payment (target payment), the payment server 10 is not the first account AC1 which is the account owned by the user, but the second account as the wallet of the business operator. A process of transferring the amount of the target settlement from the account AC2 to the third account AC3, which is the account of the payment destination of the target settlement, is executed (step S21). The process of step S21 corresponds to the process of step S13 of FIG.

Then, when the target settlement is approved as an expense, the settlement server 10 executes a process of transferring the amount of the target settlement from the fourth account AC4, which is the account owned by the business operator, to the second account AC2 (step). S22). The process of step S22 corresponds to the process of step S19 of FIG.

If the target settlement is not approved as an expense, the settlement server 10 executes a process of transferring the amount of the target settlement from the user's first account AC1 to the second account AC2 (step S31).

[2. Payment server configuration]
Next, the configuration of the payment server 10 for realizing the above-mentioned predetermined method payment processing will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of a payment server according to an embodiment. As shown in FIG. 5, the payment server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the user terminal 100, the settlement processing server 200, the business terminal 300, and the like.

(Memory unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 30 has an account database 31 and a user information database 32.

(Account database 31)
The account database 31 stores various information about the accounts of users and businesses. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 6 is a diagram showing an example of an account database according to an embodiment. In the example of FIG. 6, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying the account. The "owner information" indicates information about the owner (user or business operator) who owns the account, and for example, identification information (identifier) for identifying the owner is stored. "Account balance" indicates the balance of an account owned by a user or a business operator.

That is, FIG. 6 shows an example in which the owner information is “user # 1” and the account balance is “7800” for the account identified by the account ID “AID # 1”.

The account database 31 may have items other than the above, and may have, for example, an item of "type" indicating the type of the account. In this case, for the account identified by the account ID "AID # 1", information indicating that it is the "first" user's account (first account) is stored in the item "type". Further, for the account identified by the account ID "AID # 2", information indicating that the account is a business operator's account (fourth account) such as "fourth" is stored in the item "type". Further, for the account identified by the account ID "AID # 4", information indicating that the account is the service provider's account (third account) such as "third" is stored in the item "type". Further, for the account identified by the account ID "AID # 2", information indicating that the account is a wallet account (second account) of the business operator such as "second" is stored in the item "type". .. If the type can be specified by "account ID" or the like, the item of "type" may not be included.

(User information database 32)
The user information database 32 stores various information about users of the electronic payment service provided by the payment server 10. Here, an example of the information stored in the user information database 32 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a user information database according to an embodiment. In the example of FIG. 7, the user information database 32 has items such as "user ID", "payment history", "receipt information", and "association information". The user information database 32 is not limited to the above items, but stores various information about the user. The user information database 32 may store various attribute information such as demographic attributes and psychographic attributes in association with the user ID. For example, the user information database 32 may store a user's age, gender, address, place of employment, annual income, etc. in association with the user ID.

The "user ID" indicates identification information for identifying a user in an electronic payment service. The "payment history" indicates the history of payments made by the user by a payment method using a payment application. For example, the "payment history" is information such as the payee, the payment amount, the date and time when the payment was made, the position where the payment was made, whether or not there was an application for expense settlement, and whether or not there was processing as expense settlement. Is stored in association with each payment. For example, if there is no application for expense settlement, it indicates that the settlement is a settlement before the expense application. Further, for example, if there is both an application and processing for expense settlement, it indicates that the settlement has been processed as an expense. Also, for example, if there is an application for expense settlement and there is no processing as expense settlement, the settlement was applied for as an expense but not processed (for example, it was not approved as an expense). Is shown. "Receipt information" indicates information about a receipt registered by a user in a payment application, and stores information such as a receipt image or payment details specified by using OCR (Optical Character Recognition) from the receipt image. Will be done.

The "association information" indicates information regarding the association between the user's account in the electronic payment service and the user's account in the settlement processing service, and has items such as "service ID" and "user ID", for example. .. The "service ID" indicates identification information for identifying the settlement processing service. The "user ID" indicates identification information for identifying a user in the settlement processing service.

That is, in FIG. 7, the payment history of the user identified by the user ID “UID # 1” is “payment history # 1”, the receipt information is “receipt information # 1”, and the service ID “SID # 1”. An example is shown in which the user ID of the user in the settlement processing service identified by is "PID # 11".

(Control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and is realized by, for example, 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 40 according to the embodiment includes a reception unit 41, a payment processing unit 42, a payment processing unit 43, a receiving unit 44, a calculation unit 45, and an executing unit 46. , Realize or execute the information processing functions and actions described below.

(Reception Department 41)
The reception unit 41 receives a payment request from a user. For example, in the example of FIG. 1, the reception unit 41 receives information including the store identification information C1 and the payment amount input by the user U from the user terminal 100 and stores the information in the user information database 32.

In addition, the reception unit 41 may accept a request for payment of expenses. For example, in the example of FIG. 1, the reception unit 41 receives a payment request for payment of expenses to the user U from the business terminal 300. For example, the reception unit 41 receives various information from devices such as the user terminal 100, the settlement processing server 200, and the business terminal 300 via the reception unit 44.

(Payment processing unit 42)
The payment processing unit 42 executes normal payment processing. The payment processing unit 42 executes the payment processing according to the payment request received by the reception unit 41. For example, in the example of FIG. 1, the payment processing unit 42 transfers the electronic money for the payment amount input by the user U from the account of the user U to the account of the store A corresponding to the store identification information C1. ..

(Payment processing unit 43)
The payment processing unit 43 executes payment processing according to the payment request received by the reception unit 41. For example, in the example of FIG. 1, the payment processing unit 43 sends a notification to the user terminal 100 that the application for expenses has been approved. Then, the payment processing unit 43 transfers the electronic money for the expenses indicated by the settlement information, which is the electronic money that can be used in the payment means using the payment application, from the account of the business operator B to the account of the user U. Let me.

(Receiver 44)
The receiving unit 44 receives information from an external device such as a terminal device via the communication unit 20. The receiving unit 44 receives information from devices such as the user terminal 100, the settlement processing server 200, and the business operator terminal 300.

The receiving unit 44 receives the processing target information indicating that the payment by the predetermined payment means using the terminal device used by the user is the target of the predetermined method payment processing. The receiving unit 44 receives the processing target information from the terminal device based on the operation of designating the payment by the user as the target of the predetermined method payment processing. The receiving unit 44 receives the processing target information indicating that the settlement is the target of expense settlement. The receiving unit 44 receives approval information indicating that the settlement has been approved as an expense of the business operator.

In addition, the receiving unit 44 may accept an expense settlement request for a predetermined payment settlement. For example, in the example of FIG. 3, the receiving unit 44 receives a settlement request from the business terminal 300 requesting settlement as an expense for the predetermined method payment settlement of the user U.

(Calculation unit 45)
The calculation unit 45 calculates a score (credit score) indicating the degree of credit of the user according to whether or not the settlement designated as the target of expense settlement has been settled as an expense. For example, the calculation unit 45 calculates the score based on the number of payments for which the user has applied for expenses and the number of payments approved as expenses. The calculation unit 45 calculates the score by dividing the number of payments approved as expenses by the number of payments for which the user has applied for expenses. In this way, the calculation unit 45 may calculate the approval rate of the user's expense application as a score. The above is only an example, and the calculation unit 45 calculates the user's score by appropriately using various information.

(Execution unit 46)
The execution unit 46 performs various processes related to deposits and withdrawals of the account, such as a predetermined method payment process. When the execution unit 46 receives the processing target information, the execution unit 46 transfers the payment amount from the second account, which is the first account held by the user, to the third account, which is the payment destination account of the payment. To execute. For example, when the execution unit 46 receives the processing target information, the execution unit 46 makes a payment from the second account, which is an account different from the first account held by the user and in which a predetermined credit line is set. The process of transferring the payment amount to the third account, which is the payee's account, is executed. The execution unit 46 executes a process of transferring the payment amount from the second account of the business operator to which the user belongs to the third account.

When the execution unit 46 receives the approval information within a predetermined period, the execution unit 46 executes a process of transferring the settlement amount from the fourth account held by the business operator to the second account. For example, when the execution unit 46 receives a settlement request from the business terminal 300 for the user U's predetermined payment settlement as approval information within a predetermined period, the execution unit 46 receives the settlement request from the fourth account held by the business. Execute the process to transfer the settlement amount to the second account.

If the execution unit 46 does not receive the approval information indicating that the payment has been approved as an expense of the business operator within a predetermined period, the execution unit 46 transfers the payment amount from the first account held by the user to the second account. Execute the process to make it. For example, if the receiving unit 44 does not receive a settlement request from the business terminal 300 for the user U's predetermined payment settlement within a predetermined period, the execution unit 46 determines that the payment has not been approved as an expense of the business. do. For example, if the receiving unit 44 does not receive a settlement request for the user U's predetermined payment settlement from the business terminal 300 within a predetermined period, the execution unit 46 has a first account to a second account held by the user. Execute the process to transfer the payment amount to.

The execution unit 46 determines whether or not the predetermined method payment process can be used according to the user's score calculated by the calculation unit 45. When the score of the user is less than the predetermined value, the execution unit 46 suspends the use of the second account for the user. For example, when the score of the user is less than the predetermined value, the execution unit 46 adds the information identifying the user to the predetermined non-payable list and stores it in the storage unit 120. In this case, when the execution unit 46 receives a request for payment by the predetermined method, the execution unit 46 compares the information indicating the user (requesting user) who requested the payment by the predetermined method with the list of non-payment by the predetermined method, and the requesting user. Is included in the non-prescribed method payment list, the requesting user does not perform the prescribed method payment process. As a result, the execution unit 46 suspends the use of the second account for the requesting user whose score is less than the predetermined value.

The execution unit 46 executes a process of transferring the settlement amount from the second account in which the credit line is set for the business operator to the third account. The execution unit 46 executes a process of transferring the payment amount from the second account in which the credit line according to the user is set to the third account. The execution unit 46 executes a process of transferring the payment amount from the second account in which the credit line determined according to the user's performance is set to the third account.

[3. User terminal configuration]
Next, the user terminal 100 for realizing the above-mentioned predetermined method payment processing will be described with reference to FIG. FIG. 8 is a diagram showing a configuration example of a user terminal according to an embodiment. As shown in FIG. 8, the user terminal 100 has a communication unit 110, a storage unit 120, an image pickup unit 130, a display unit 140, and a control unit 150.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC or the like. Then, the communication unit 110 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the payment server 10, the settlement processing server 200, the business terminal 300, and the like.

(Memory unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. For example, the storage unit 120 stores the information corresponding to the user who uses the user terminal 100 among the information stored in the user information database 32 of the payment server 10. For example, the storage unit 120 stores various information such as payment-related information (payment-related information) such as payment history of a user who uses the user terminal 100 and user attribute information.

(Image pickup unit 130)
The image pickup unit 130 is an image pickup device for capturing an image (moving image or still image). The image pickup unit 130 is composed of an image pickup element such as a CCD (Charged-coupled devices) sensor or a CMOS (Complementary metal-oxide-semiconductor) sensor, for example.

(Display unit 140)
The display unit 140 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display, and is a display device for displaying various information. The display unit 140 displays various information according to the control by the display control unit 1521. Further, the display unit 140 may function as a reception unit that accepts the user's operation by the function of the touch panel. In this case, the display unit 140 also functions as an input device that receives various operations from the user with the user's finger or a dedicated pen.

(Control unit 150)
The control unit 150 is a controller, and is realized by, for example, using a CPU, an MPU, or the like to execute various programs stored in a storage device inside the user terminal 100 using the RAM as a work area. Further, the control unit 150 is a controller, and is realized by, for example, an integrated circuit such as an ASIC or FPGA.

Here, the control unit 150 realizes various functions related to the user terminal 100 by executing a plurality of applications. For example, in the example shown in FIG. 8, the control unit 150 is executing the first application 151 and the second application 152. In addition to the application shown in FIG. 8, the control unit 150 may execute an arbitrary number of applications for exerting an arbitrary function.

The first application 151 is an application that serves as an OS (Operating System) of the user terminal 100. The second application 152 is a payment application, and causes the user terminal 100 to execute the above-mentioned payment processing. Hereinafter, an example of the functional configuration of the second application 152 will be described with reference to FIG. 9. FIG. 9 is a diagram showing a configuration example of the second application according to the embodiment. As shown in FIG. 9, the second application 152 according to the embodiment includes a display control unit 1521, a reception unit 1522, a selection unit 1523, and a transmission unit 1524, and has information processing functions described below. Realize or execute the action.

(Display control unit 1521)
The display control unit 1521 controls the display of the screen (display unit 140) of the user terminal 100. The display control unit 1521 controls the display of the display unit 140 according to the operation of the user. The display control unit 1521 generates information such as contents to be displayed by the display unit 140, and causes the display unit 140 to display the generated information.

The display control unit 1521 generates various contents as shown on the screens SC1 to SC3 and the like. For example, the display control unit 1521 generates a screen (content) by appropriately using various technologies such as Java (registered trademark). The display control unit 1521 may generate a screen (content) based on the format of CSS, Javascript (registered trademark), or HTML. Further, for example, the display control unit 1521 may generate screens (contents) in various formats such as JPEG (Joint Photographic Experts Group), GIF (Graphics Interchange Format), and PNG (Portable Network Graphics).

Further, in the example of FIG. 1, the display control unit 1521 has a screen for photographing the store identification information C1 installed in the store A, a screen for inputting a price to be settled, and a screen indicating that the settlement has been completed. Etc. are displayed. In addition, the display control unit 1521 displays a list screen of the history of payments made using the payment application, the screen shown in FIG. 2, and the like.

In the example of FIG. 2, the display control unit 1521 indicates the payment amount due to the payment made using the payment application, the date and time when the payment was made, and the information indicating the payee by the payment (that is, the payment content). May be displayed in a state where it cannot be changed by the user U.

(Reception Department 1522)
The reception unit 1522 receives information on the user's operation. The reception unit 1522 accepts the designation of the date included in the calendar by the user who uses the user terminal 100. The reception unit 1522 accepts the designation of the application as an expense by the user who uses the user terminal 100. The reception unit 1522 receives information from an external device via the communication unit 110. The reception unit 1522 receives information about the user who uses the user terminal 100 from the external device. The reception unit 1522 receives information (settlement-related information) related to payment such as the payment history of the user who uses the user terminal 100 from the payment server 10 and stores it in the storage unit 120. When the payment-related information is not stored in the storage unit 120, the second application 152 may manage the payment-related information so that it can be referred to in the second application 152.

The reception unit 1522 receives payment information indicating payment using a predetermined payment means. For example, in the example of FIG. 1, the reception unit 1522 accepts the registration (input) of payment information indicating the payment made to the store A by the user U using the payment application.

Further, the reception unit 1522 may accept the information displayed on the screen of the terminal device, which indicates that the payment using the predetermined payment means has been completed, as the payment information. For example, the reception unit 1522 accepts the payment contents registered in advance on the screen shown in FIG. 2 as payment information.

Further, the reception unit 1522 may receive payment information including at least one of a payment amount by payment using a predetermined payment means, a date and time when the payment was made, and information indicating a payee by the payment. For example, the reception unit 1522 receives payment information including information such as a payment destination registered in advance on the screen shown in FIG. 2, a payment amount, and a date and time when payment was made.

Further, the reception unit 1522 may accept as payment information an image showing information output from the payee of the payment in response to the payment using the predetermined payment means. For example, the reception unit 1522 receives an image showing a receipt output from an output device used by the payee in response to payment, a handwritten receipt by a clerk of the payee, or the like.

Further, the reception unit 1522 may accept an image showing a receipt output from a payment destination of payment using a predetermined payment means as payment information. For example, in the example of FIG. 1, the reception unit 1522 receives an image showing a receipt output from the output device OD1.

The reception unit 1522 may accept information specified by using OCR from the image showing the receipt as payment information.

Further, the reception unit 1522 may accept the image taken by the terminal device as payment information. For example, in the example of FIG. 1, the reception unit 1522 receives the image P1 of the receipt taken by the image pickup unit 130.

Here, in addition to information such as the payment amount, the date and time when the payment was made, and information indicating the payee, for example, information according to the expense settlement rules of the organization (business operator) to which the user belongs is used as the payment information. There may be a request to include it. Therefore, the reception unit 1522 may accept the operation content of the user on the screen of the terminal device, which indicates that the payment using the predetermined payment means is completed, as the payment information. For example, the reception unit 1522 receives an operation content (for example, an amount to be an expense) to the effect that a part of the settlement amount displayed on the screen indicating that the settlement is completed is used as an expense. Further, when the user can use a plurality of settlement processing services, the reception unit 1522 accepts the designation of any of the settlement processing services.

Further, the reception unit 1522 may accept a comment indicating the payment content entered by the user on the screen as payment information. For example, the reception unit 1522 accepts a comment input by the user and including information for satisfying the expense settlement rule in the organization to which the user belongs as payment information. To give a specific example, the reception unit 1522 accepts comments indicating the types of expenses (for example, travel expenses, transportation expenses, entertainment expenses, etc.). Further, when the settlement is related to travel expenses and transportation expenses, the reception unit 1522 accepts comments indicating the means of transportation, the route of travel, and the like. Further, when the settlement is related to entertainment expenses, the reception unit 1522 accepts comments indicating the names of participants such as food and drink, the names of the organizations to which the participants belong, and the like.

The reception unit 1522 may accept a comment indicating that a part of the payment amount is to be an expense as payment information. For example, the reception unit 1522 accepts a comment indicating that a part of the payment amount displayed on the screen indicating that the payment has been completed is to be an expense and the amount to be an expense.

Further, when the user belongs to a plurality of organizations (for example, when the user has a side business), there may be a request to apply for expenses to an appropriate organization. Therefore, the reception unit 1522 may receive payment information including the designation of the organization to which the user belongs. For example, the display control unit 1521 displays a plurality of organizations associated with the user (for example, an organization managed in association with the user in the settlement processing server 200) on the screen in a state where the user can select them. Display. Then, the reception unit 1522 accepts the organization selection operation displayed on the screen.

(Selection unit 1523)
The selection unit 1523 selects the mode of payment according to the operation of the user. The selection unit 1523 selects the payment mode specified by the user. The selection unit 1523 selects either a predetermined payment process or a normal settlement process. When the user specifies the predetermined method payment process, the selection unit 1523 selects the predetermined method payment process. When the user specifies a normal payment process, the selection unit 1523 selects the normal payment process. The selection unit 1523 causes the transmission unit 1524 to transmit information according to the selected payment mode.

(Transmitting unit 1524)
The transmission unit 1524 transmits information to the payment server 10 according to the selection of the payment mode by the selection unit 1523. When the normal payment process is selected, the transmission unit 1524 transmits information requesting the normal payment process to the payment server 10. Further, when the predetermined method payment process is selected, the transmission unit 1524 transmits the information requesting the predetermined method payment process to the payment server 10.

The transmission unit 1524 uses the payment information received by the reception unit 1522 for the information processing device that executes the payment processing of the predetermined expenses for the user of the terminal device, and the content of the payment for which the predetermined expenses are settled. It is sent as settlement information indicating. For example, in the example of FIG. 1, the transmission unit 1524 setstles the payment information including the image P1 of the receipt included in the screen SC3 shown in FIG. 2, the payment content, and the user ID of the user U in the electronic payment service. It is transmitted to the settlement processing server 200 as information.

In addition, the transmission unit 1524 may transmit payment information to an information processing device that executes a predetermined expense settlement process paid to the user by the organization to which the user belongs. For example, in the example of FIG. 1, the transmission unit 1524 transmits payment information to the settlement processing server 200 that provides the settlement processing service for expenses paid to the user by the business operator B to which the user U belongs.

Further, the transmission unit 1524 may transmit payment information to an information processing device that executes a predetermined expense settlement process for the user using electronic money available in the predetermined payment means. For example, in the example of FIG. 1, the transmission unit 1524 transmits payment information to a payment processing server 200 that provides a payment processing service for expenses using electronic money that can be used in a payment means using a payment application.

Further, the transmission unit 1524 may transmit payment information to the information processing device associated with the user. For example, the transmission unit 1524 transmits payment information to the payment processing service managed in association with the user on the payment server 10.

Further, the transmission unit 1524 transmits the application information to the settlement processing server 200. The transmission unit 1524 transmits application information including the same contents as the payment information to the settlement processing server 200.

[4. Flow of predetermined payment processing by the payment server 10]
Next, the procedure of the predetermined method payment processing of the payment server 10 according to the embodiment will be described with reference to FIG. FIG. 10 is a flowchart showing an example of the procedure of the predetermined method payment processing according to the embodiment.

As shown in FIG. 10, the payment server 10 receives the processing target information indicating that the payment by the predetermined payment means using the terminal device used by the user is the target of the predetermined method payment processing (step S101). ..

The payment server 10 executes a process of transferring the payment amount from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment (step S102). ..

[5. Information processing flow by information processing system 1]
Next, the procedure of information processing by the information processing system 1 according to the embodiment will be described with reference to FIG. FIG. 11 is a sequence diagram showing an information processing procedure by the information processing system according to the embodiment. The sequence diagram shown in FIG. 11 shows the processing related to the payment server 10, the user terminal 100, the settlement processing server 200, and the business operator terminal 300.

First, the user terminal 100 requests the payment server 10 to perform a predetermined payment process (step S201). The user terminal 100 requests the predetermined method payment processing of the target payment by transmitting the processing target information indicating the payment (target payment) subject to the predetermined method payment processing to the payment server 10.

Then, the payment server 10 that has received the request for the predetermined method payment process executes the predetermined method payment process for the target payment (step S202). The payment server 10 transfers the amount of the target payment from the second account, which is an account different from the first account held by the user who uses the user terminal 100, to the third account, which is the payment destination account of the target payment. By doing so, the predetermined method payment process is executed.

Then, the user terminal 100 selects the settlement to be the target of the expense application (step S203). For example, the user terminal 100 selects a target settlement, which is a predetermined payment settlement, as an expense application target. Then, the user terminal 100 transmits application information (settlement content, receipt image, etc.) indicating the target settlement to be applied for as an expense to the settlement processing server 200 (step S204). For example, the user terminal 100 transmits the application information to the settlement processing server 200 via the payment application.

Then, the settlement processing server 200 transmits an expense approval request based on the payment information (settlement information) transmitted from the user terminal 100 to the business terminal 300 (step S205). Then, the business terminal 300 accepts the operation of approving the application for the expense indicated by the approval request from the business, and transmits the settlement request of the expense corresponding to the approval request to the settlement server 10 (step S206). Although FIG. 11 illustrates the case where the business terminal 300 transmits the expense payment request to the payment server 10, the business terminal 300 transmits the expense payment request to the payment server 10 via the settlement processing server 200. You may. For example, even if the business terminal 300 sends an expense payment request to the settlement processing server 200, and the settlement processing server 200 that receives the expense payment request from the business terminal 300 sends the expense payment request to the settlement server 10. good. Then, the settlement server 10 executes the settlement process corresponding to the settlement request received from the business operator terminal 300 (step S207). For example, when the settlement server 10 receives a settlement request for the target settlement from the operator terminal 300, the settlement server 10 executes a process of transferring the settlement amount from the fourth account held by the operator to the second account, thereby performing the settlement process. To execute.

[6. Modification example]
The above embodiment shows an example, and various modifications and applications are possible. In the above example, the case where the user terminal 100 is an information processing device that performs a predetermined payment process (predetermined method payment process) is shown, but the information processing device that performs a predetermined payment process (predetermined method payment process) is It is not limited to the payment server 10. For example, the account processing device that performs processing related to deposits and withdrawals of an account such as a predetermined payment processing (predetermined method payment processing) may be an information processing device that performs a predetermined payment processing (predetermined method payment processing). That is, the payment server 10 may be different from the information processing device that performs the predetermined payment processing (predetermined method payment processing). In this case, the account processing device has a receiving unit having the same function as the receiving unit 44 and an executing unit having the same function as the executing unit 46. The receiving unit of the account processing device may receive information from the user terminal 100 or may receive information from the payment server 10. Then, the execution unit of the account processing device performs processing related to deposits and withdrawals of the account such as predetermined settlement processing (predetermined method payment processing) based on the received information.

[6-1. Payment information]
In the above-described embodiment, the transmission unit 1524 has shown an example of transmitting payment information including a receipt image and payment contents as settlement information, but the function of the transmission unit 1524 is not limited to such an example. For example, the transmission unit 1524 may transmit arbitrary information specified in the expense settlement rules in the organization to which the user belongs as settlement information. Further, the transmission unit 1524 may transmit payment information that does not include the receipt image as settlement information.

[6-2. Receipt image registration]
In the above-described embodiment, when the user desires to settle the expenses made by using the payment application, the reception unit 1522 displays the image of the receipt provided by the payee in response to the payment. An example of accepting and using it as payment information is shown. However, the function of the reception unit 1522 is not limited to such an example. For example, the reception unit 1522 is not limited to payments that are subject to expense settlement, but is an image of a receipt provided by the payee for payments arbitrarily selected by the user among payments made using the payment application. Registration may be accepted and sent to the payment server 10 together with information (payment ID) for identifying payment. Then, the payment server 10 manages the received receipt image and the payment ID in the user information database 32 in association with each other, and provides the receipt image in response to a request from the user terminal 100.

As a result, the user terminal 100 can use the image of the receipt corresponding to each of the payments made by using the payment application as the user, so that the user needs to organize the receipts printed on the paper medium. It disappears and convenience can be improved. Further, since it is possible to provide the user with advertising content or the like based on the information specified from the image of the receipt using the payment server 10OCR (for example, the purchase history of the user), the information to be provided to the user is appealed. The effect can be improved.

[6-3. Cooperation with multiple settlement processing services]
The electronic payment service provided by the above-mentioned payment server 10 is not limited to one payment processing service, and may be linked (linked) with a plurality of payment processing services. Then, the transmission unit 1524 may transmit payment information to any of a plurality of payment processing services associated with the electronic payment service. For example, when a user belongs to a plurality of organizations, the payment server 10 associates the user, each organization to which the user belongs, and the settlement processing service used when the expense settlement processing is performed in each organization. And manage. In this case, the display control unit 1521 displays the organization associated with the user on the screen in a state in which the user can select it. Then, the transmission unit 1524 transmits the payment information to the settlement processing service (in other words, the information processing device that provides the settlement processing service) associated with the organization selected by the user.

The display control unit 1521 may display a plurality of settlement processing services associated with the user on the screen in a state in which the user can select them. In this case, the transmission unit 1524 transmits payment information to the settlement processing service selected by the user. Further, the display control unit 1521 is information indicating a suggestion (proposal) of the organization to which the expense is applied, or a destination of the settlement information, according to the settlement information (for example, the type of expense) registered by the user. Information indicating the suggestion of a certain settlement processing service may be displayed.

[6-4. Processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part can be automatically performed by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[7. effect〕
As described above, the information processing apparatus according to the embodiment (payment server 10 in the embodiment) has a receiving unit 44 and an executing unit 46. The receiving unit 44 indicates that the payment by the predetermined payment means using the terminal device (user terminal 100 in the embodiment) used by the user is the target of the predetermined payment processing (predetermined method payment processing in the embodiment). Receives the processing target information shown. When the execution unit 46 receives the processing target information, the execution unit 46 transfers the payment amount from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment. Execute the process to make it.

As described above, the payment server 10 according to the embodiment is an account different from the first account held by the user when the payment by the predetermined payment means using the terminal device is the target of the predetermined payment process. 2 The process of transferring the payment amount from the account to the third account, which is the payment destination account of the payment, is executed. As a result, the payment server 10 can complete the payment to the payment destination of the payment without changing the amount of the first account held by the user, thus improving the flexibility of payment using the terminal device. Can be made to.

Further, in the payment server 10 according to the embodiment, the receiving unit 44 receives the processing target information based on the operation of designating the payment by the user as the target of the predetermined payment processing from the terminal device.

As a result, the payment server 10 according to the embodiment performs a predetermined method payment process for payment by a predetermined payment means using a terminal device according to the operation of the user, thereby performing a predetermined method according to the user's request. Payment processing can be performed, and the flexibility of payment using a terminal device can be improved.

Further, in the payment server 10 according to the embodiment, the receiving unit 44 receives the processing target information indicating that the payment is the target of expense settlement. The execution unit 46 executes a process of transferring the payment amount from the second account of the business operator to which the user belongs to the third account.

As a result, the payment server 10 according to the embodiment pays the payment destination from the user's account by performing the payment processing by the predetermined method for the payment subject to the expense settlement, and processes it as an expense without taking it out. Therefore, it is possible to improve the flexibility of payment using the terminal device.

Further, in the payment server 10 according to the embodiment, the receiving unit 44 receives approval information indicating that the payment has been approved as an expense of the business operator. When the execution unit 46 receives the approval information within a predetermined period, the execution unit 46 executes a process of transferring the settlement amount from the fourth account held by the business operator to the second account.

As a result, the settlement server 10 according to the embodiment targets the user's first account by making a deposit from the fourth account held by the business operator to the second account when the settlement is approved as an expense. Since it is possible to complete the expense settlement without depositing and withdrawing, it is possible to improve the flexibility of payment using the terminal device.

Further, in the payment server 10 according to the embodiment, if the execution unit 46 does not receive the approval information indicating that the payment has been approved as the expense of the business operator within a predetermined period, the first operation unit is held by the user. Execute the process of transferring the payment amount from the account to the second account.

As a result, the payment server 10 according to the embodiment appropriately processes the case where the payment is not approved as an expense by making a deposit from the user's first account to the second account when the payment is not approved as an expense. Can be completed, so that the flexibility of payment using the terminal device can be improved.

Further, the payment server 10 according to the embodiment has a calculation unit 45. The calculation unit 45 calculates a score indicating the degree of credit of the user according to whether or not the settlement designated as the target of expense settlement has been settled as an expense.

As a result, the settlement server 10 according to the embodiment grasps the creditworthiness of the user regarding the expense settlement by calculating a score indicating the creditworthiness of the user according to whether or not the settlement is settled as an expense. Can be made possible.

Further, in the payment server 10 according to the embodiment, the execution unit 46 suspends the use of the second account for the user when the score of the user is less than a predetermined value.

As a result, the payment server 10 according to the embodiment stops the use of the second account for the user with a low score, thereby stopping the predetermined method payment process for the user with a low credit rating regarding the expense settlement. Unauthorized use of predetermined payment processing can be suppressed.

Further, in the payment server 10 according to the embodiment, the execution unit 46 executes a process of transferring the payment amount from the second account in which the credit line is set for the business operator to the third account.

As a result, the payment server 10 according to the embodiment can set a credit line for the business operator and perform payment processing by a predetermined method, so that the payment can be made using the credit of the business operator. It is possible to improve the flexibility of payment using.

Further, in the payment server 10 according to the embodiment, the execution unit 46 executes a process of transferring the payment amount from the second account in which the credit line according to the user is set to the third account.

As a result, the payment server 10 according to the embodiment can set a credit line for each user by setting a credit line according to the user and performing a predetermined method payment process, so that the terminal device can be used. It is possible to improve the flexibility of the payment used.

[8. Hardware configuration]
Further, the information processing devices such as the payment server 10, the user terminal 100, the settlement processing server 200, and the business operator terminal 300 according to each of the above-described embodiments are realized by, for example, a computer 1000 having a configuration as shown in FIG. Will be done. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device. Hereinafter, the user terminal 100 will be described as an example. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

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

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the communication interface 1500 receives data generated by the CPU 1100 via the communication network 500 to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the user terminal 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 150 by executing a program loaded on the RAM 1300. Further, each data in the storage device of the user terminal 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 from another device via a predetermined communication network.

[9. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the configuration of the user terminal 100 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

1 Information processing system 10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 User information database 40 Control unit 41 Reception unit 42 Payment processing unit 43 Payment processing unit 44 Reception unit 45 Calculation unit 46 Execution unit 100 User terminal 110 Communication Unit 120 Storage unit 130 Imaging unit 140 Display unit 150 Control unit 151 First application 152 Second application 1521 Display control unit 1522 Reception unit 1523 Selection unit 1524 Transmission unit 200 Settlement processing server 300 Operator terminal

Claims (11)

A receiving unit that receives processing target information indicating that payment by a predetermined payment means using a terminal device used by a user is a target of a predetermined payment process.
When the processing target information is received, the payment amount is transferred from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment. The execution part that executes the process and
An information processing device characterized by having. The receiver is
The information processing apparatus according to claim 1, wherein the processing target information based on an operation of designating the payment by the user as a predetermined payment processing target is received from the terminal device. The receiver is
Upon receiving the processing target information indicating that the settlement is subject to expense settlement,
The execution unit
The information processing apparatus according to claim 1 or 2, wherein the process of transferring the payment amount from the second account of the business operator to which the user belongs to the third account is executed. The receiver is
Received approval information indicating that the settlement was approved as an expense of the business operator,
The execution unit
The third aspect of claim 3, wherein when the approval information is received within a predetermined period, a process of transferring the payment amount from the fourth account held by the business operator to the second account is executed. Information processing device. The execution unit
If the approval information indicating that the settlement has been approved as an expense of the business operator is not received within a predetermined period, the amount of the settlement is transferred from the first account held by the user to the second account. The information processing apparatus according to claim 3 or 4, wherein the process of migrating is executed. A calculation unit that calculates a score indicating the degree of credit of the user according to whether or not the settlement designated as the target of expense settlement has been settled as an expense.
The information processing apparatus according to any one of claims 3 to 5, further comprising. The execution unit
The information processing apparatus according to claim 6, wherein when the score of the user is less than a predetermined value, the use of the second account is suspended for the user. The execution unit
One of claims 3 to 7, wherein the process of transferring the amount of the settlement from the second account in which the credit line is set for the business operator to the third account is executed. The information processing device described in. The execution unit
One of claims 1 to 8, wherein the process of transferring the payment amount from the second account in which the credit line according to the user is set to the third account is executed. The information processing device described in. A receiving process for receiving processing target information indicating that payment by a predetermined payment means using a terminal device used by a user is a target of a predetermined payment process, and a receiving process.
When the processing target information is received, the payment amount is transferred from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment. The execution process to execute the process and
An information processing method characterized by including. A reception procedure for receiving processing target information indicating that payment by a predetermined payment means using a terminal device used by a user is a target of a predetermined payment process, and a receiving procedure.
When the processing target information is received, the payment amount is transferred from the second account, which is an account different from the first account held by the user, to the third account, which is the payment destination account of the payment. Execution procedure to execute the process and
An information processing program characterized by having a computer execute.

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