JP2023086265A - Information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

To promote use of a service related to digital money.SOLUTION: An information processing apparatus according to the present application has a charge unit and a payment unit. The charge unit executes charge of digital money to a settlement account linked to a service user designated as a charge destination. On a condition that a predetermined condition defined in advance is satisfied, the payment unit executes payment to a bank account designated in advance by the service user so that the balance of the settlement account after the charge becomes equal to or lower than an upper limit defined in advance.SELECTED DRAWING: Figure 2

Description

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

Traditionally, cashless payment methods for commercial transactions between companies and individuals have been widely recognized by consumers. Electronic payment services that are performed are becoming widely popular among consumers.

In recent years, the government has been considering the introduction of so-called "digital payment of salaries," in which salaries are paid using digital money such as electronic money and virtual currency, in such electronic payment services. Further spread is expected.

JP 2007-328549 A

However, conventional techniques have room for improvement in promoting the use of services related to digital money.

The present application has been made in view of the above, and aims to provide an information processing apparatus, an information processing method, and an information processing program that can promote the use of services related to digital money.

An information processing apparatus according to the present application has a charge section and a payout section. The charge unit charges digital money to a payment account linked to the service user designated as the charge destination. The payout unit carries out payout to a bank account specified in advance by the service user so that the balance of the settlement account after charging is equal to or less than the upper limit specified in advance on the condition that predetermined conditions are satisfied. .

According to one aspect of the embodiment, there is an effect that it is possible to promote the use of services related to digital money.

FIG. 1 is a diagram showing an overview of information processing according to this embodiment. FIG. 2 is a block diagram showing a configuration example of the service providing device according to this embodiment. FIG. 3 is a diagram showing an outline of account information according to this embodiment. FIG. 4 is a diagram showing an overview of transaction schedule information according to this embodiment. FIG. 5 is a diagram showing an overview of charge instructions according to the present embodiment. FIG. 6 is an explanatory diagram for explaining an example of processing executed by the notification unit and the payout unit according to the present embodiment. FIG. 7 is a flow chart showing an example of a processing procedure of the service providing apparatus according to this embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to this embodiment or a modified example.

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

[1. Example of information processing according to the present embodiment]
An example of information processing according to this embodiment will be described below with reference to FIG. 1 and 2 are diagrams showing an overview of information processing according to the present embodiment.

As shown in FIG. 1, the information processing system SYS according to the present embodiment includes a charging source device 10, a charging destination device 20, a bank system 30, and a service providing device 100. FIG. Note that FIG. 1 shows an example of an information processing system SYS according to the present embodiment. other devices may be included.

Also, in the following description, the charging source device 10 may be referred to as user X in some cases. That is, the user X can be read as the charging source device 10 . Similarly, in the following description, the charge destination device 20 may be referred to as user Y in some cases. That is, the user Y can be read as the charge destination device 20 . Similarly, in the following description, the service providing apparatus 100 may be referred to as a business operator Z in some cases. That is, the business operator Z can be read as the service providing device 100 .

The charging source device 10, the charging destination device 20, the bank system 30, and the service providing device 100 are connected to a network N (see FIG. 2, for example). The charging source device 10, the charging destination device 20, the bank system 30, and the service providing device 100 can communicate with each other through the network N.

The charge source device 10 is an information processing device used by a user X who uses various services related to digital money (electronic money) provided by a business operator Z. FIG. In addition, digital money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen and the dollar. good. Also, the charging destination device 20 is an information processing device used by the user Y who uses various services related to digital money provided by the business operator Z. FIG.

As a typical hypothetical scene in which information processing by the information processing system SYS shown in FIG. Therefore, it is conceivable that salary is paid to user Y, who is an employee, using digital money.

Charge source device 10 and charge destination device 20 are, for example, smartphones, tablet terminals, notebook PCs (Personal Computers), desktop PCs, mobile phones, PDAs (Personal Digital Assistants), wearable terminals, and the like. It is implemented by an information processing device. Note that the charge source device 10 may be realized by a single server device or workstation operated and managed by the user X, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

In addition, when the charge source device 10 and the charge destination device 20 receive control information for implementing predetermined information processing from the service providing device 100, the charge source device 10 and the charge destination device 20 implement the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that, in the present embodiment, the predetermined application itself distributed from the service providing apparatus 100 may be regarded as the control information.

The bank system 30 is a bank system operated and managed by a bank designated by the user Y to the business operator Z as the payee of the balance. The bank system 30 is realized, for example, by a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

For example, the bank system 30 stores, as bank account usage histories, information on withdrawals from bank accounts by credit card companies and various service providers (for example, amounts debited, dates and times of debits, etc.), current account Information (account balance, etc.) is managed in association with bank users. Bank users include user Y who uses various services related to digital money provided by business operator Z.

The service providing device 100 is an information processing device operated and managed by a business operator Z that runs a business of providing various services related to digital money. The service providing device 100 is implemented by a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

Various services provided by the service providing apparatus 100 include a payment service using digital money, a money charge service for moving digital money to a desired charge destination, and the like. Note that the service providing apparatus 100 may be configured as an apparatus or system in which the subject of information processing is physically or functionally distributed for each service to be provided.

The service providing apparatus 100 manages deposits and withdrawals of digital money to and from settlement accounts owned by each service user as the various services described above are provided. The service providing apparatus 100 implements the money charge service described above by transferring digital money between settlement accounts according to charge instructions from service users.

Such a service providing apparatus 100 executes information processing according to the present embodiment in connection with the provision of various services described above. The case where user X pays salary to user Y with digital money will be used as a theme to explain the information processing according to the present embodiment with examples.

As shown in FIG. 1, user X transmits a charging instruction to user Y to service providing apparatus 100 (step S11).

The charging instruction transmitted by the user X includes, for example, the items of "charging source ID", "charging destination ID", "scheduled amount", and "scheduled date".

Information indicating the account of the charge destination is recorded in the item of "charging destination ID". In the case shown in FIG. 1, information indicating the account of user X is recorded in the item of "charging source ID".

Information indicating the account of the charge destination is recorded in the item of "charging destination ID". In the case shown in FIG. 1, information indicating user Y's account is recorded in the item of "charging destination ID".

Information indicating the scheduled charging amount to the charging destination is recorded in the item of "scheduled amount". In the case shown in FIG. 1, information indicating the amount of salary to be paid to user Y is recorded in the item of "scheduled amount".

Information indicating the scheduled date of charging to the charging destination is recorded in the “scheduled date” item. In the case shown in FIG. 1, information indicating the payment date of salary to user Y is recorded in the item of "scheduled date".

Note that the charging instruction may include an item of "nominal" indicating the purpose of charging. In this case, the purpose of the charge, which is salary, is recorded in the "nominal" item.

Further, after transmitting the charge instruction, the user X deposits funds for the charge instruction without delay into the bank account notified by the business operator Z. For example, the charge source device 10 transmits a deposit instruction to the bank account of the business operator Z to the bank.

On the other hand, the service providing device 100 executes charging processing according to the charging instruction received from the user X (step S12).

For example, in response to receiving the charge instruction, the service providing apparatus 100 sends the information (account number) of the bank account owned by the business operator Z as the payment destination (transfer destination) of the funds to be applied to the charge instruction. can be notified to user X who is the sender of the The business operator Z may issue an electronic invoice to the user X describing the scheduled charge amount specified in the charge instruction, and may include information on the account to which the payment is made in the issued invoice.

Then, the service providing apparatus 100 charges the user Y on condition that the payment from the user X has been confirmed. Specifically, the service providing apparatus 100 adds the balance of the settlement account linked to the user X account based on the payment notice from the bank. Next, the service providing apparatus 100 identifies a settlement account linked to the account of user Y who is the charge destination specified in the charge instruction. Next, the service providing apparatus 100 transfers digital money corresponding to the scheduled charge amount specified in the charge instruction from the balance of the settlement account linked to the user X account to the specified settlement account.

After executing the charging process, the service providing apparatus 100 determines whether or not the post-charging balance of the settlement account linked to the user Y's account exceeds a predetermined upper limit (predetermined amount) (step S13).

Then, when the balance of the settlement account linked to the user Y's account after charging exceeds a predetermined upper limit (predetermined amount), the service providing apparatus 100 notifies the user Y of an alert (step S14). . For example, the service providing apparatus 100 can notify the alert by a notification method prearranged between the user Y and the business operator Z. Any method such as push notification or email notification can be adopted as the notification method.

For example, as shown in FIG. 1, the service providing apparatus 100 notifies that the balance exceeds the upper limit due to charging by the money charge service, and if the balance does not fall below the upper limit by the prescribed date, the payment is made to the designated account. will be notified. Thereby, the service providing apparatus 100 can make the service user aware in advance of the possibility that the balance will be paid out. In addition, the service providing apparatus 100 can include link information for withdrawing the balance by an intuitive operation in the alert to be notified to the user Y. FIG. As shown in FIG. 1 , the link information may be displayed as a character string that allows the user Y to visually recognize the details of the processing performed in response to the operation on the link information in the charge destination device 20 . Even if the balance after charging exceeds the upper limit, the service providing apparatus 100 may not notify the alert when a transaction is scheduled from the balance after charging.

After notifying the alert, the service providing apparatus 100 confirms the transaction schedule from the balance of the settlement account linked to user Y (hereinafter referred to as "money balance") (step S15). Target transactions are scheduled to occur with a high probability of occurring at a predetermined frequency such as once a month. , the purchase (reserve) of financial products, the payment of a housing loan, the payment of management fees, various withdrawals such as public utility charges or educational services, etc. are assumed.

Then, if a transaction from the user Y's money balance is not scheduled, the service providing apparatus 100 sets the user Y's money balance to a predetermined amount or less on condition that a predetermined condition is satisfied. , payout to a bank account specified in advance by user Y (step S16).

As a specific example, the service providing apparatus 100 executes payment according to the payment instruction from the user Y when the payment instruction from the user Y is received. Alternatively, the service providing apparatus 100 forcibly executes the payment when the predetermined payment grace period has passed while the user Y's money balance exceeds the upper limit. The pre-specified withdrawal grace period is pre-specified, for example, to the extent that it is possible to comply with retention regulations stipulated in laws and regulations (for example, the Fund Settlement Act).

On the other hand, the service providing apparatus 100 does not pay out the user Y's money balance when a transaction is scheduled from the user Y's money balance. That is, the service providing apparatus 100 exceptionally allows a state in which the money balance of user Y exceeds the upper limit only when a transaction from the money balance is scheduled.

Further, when a transaction is scheduled from the money balance of user Y, the service providing apparatus 100 may compare the money balance with another upper limit that exceeds the predetermined upper limit. Other upper limits are, for example, individual upper limits that are preset for each service user, and can be set based on, for example, the average value of the amount paid out of the money balance on a monthly basis over a predetermined period of time. is. The service providing apparatus 100 determines whether or not the money balance after charging exceeds another upper limit after change when performing the process of step S14 described above. Then, the service providing apparatus 100 may perform a payout when the money balance exceeds another upper limit, and may not perform a payout when the money balance does not exceed another upper limit.

Further, when executing the payment, the service providing apparatus 100 may execute the payment of an amount corresponding to the amount exceeding the upper limit (predetermined amount) of the user Y's money balance. That is, the service providing apparatus 100 may pay out so that the user Y's money balance is maintained at the upper limit.

Further, when there is a transaction schedule from user Y's money balance, the service providing apparatus 100 may manage the amount corresponding to the transaction schedule in such a manner that it cannot be used from the balance. This ensures that payments corresponding to transaction schedules can be fulfilled.

As described above, the service providing apparatus 100, which is an example of the information processing apparatus according to the present embodiment, pays money to a bank account designated by the service user when the money balance of the service user exceeds the upper limit. As a result, the service providing apparatus 100 can provide various services related to digital money to service users while complying with the stay regulation, and promote the use of services related to digital money.

[2. Device configuration example]
The configuration of the service providing apparatus 100 according to this embodiment will be described below. FIG. 2 is a block diagram showing a configuration example of the service providing device according to this embodiment.

As shown in FIG. 2, the service providing apparatus 100 executes processing related to various services related to digital money provided to service users by the operator Z (see FIG. 1). As shown in FIG. 2, the service providing device 100 has a communication unit 110, a storage unit 120, and a control unit .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information to and from the charging source device 10, the charging destination device 20, the bank system 30, and the like via the network N. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . Storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 2 , the storage unit 120 has an account information storage unit 121 and a transaction schedule information storage unit 122 .

(Regarding account information storage unit 121)
The account information storage unit 121 stores account information related to digital money settlement accounts owned by each service user. Service users are assumed to be business users and individual users. FIG. 3 is a diagram showing an outline of account information according to this embodiment. Note that FIG. 3 shows an example of account information according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 3, the account information stored in the account information storage unit 121 has a plurality of items such as an "account ID" item, an "owner ID" item, and a "total balance" item. These items of account information are associated with each other.

The "account ID" item stores an account ID (identification information) that is uniquely assigned to each account to identify the settlement account.

The “owner ID” item stores an owner ID (identification information) that is individually assigned to each owner to identify the owner of the settlement account linked to the account ID. As an example, a user ID that is individually assigned to each service user when using an electronic payment service may be used as the owner ID.

Information indicating the total balance of digital money held in the settlement account is stored in the "total balance" item.

For example, according to the example shown in FIG. 3, the owner of the settlement account linked to the account ID: "AC#1" is the service user to whom the owner ID: "U#001" is assigned. It shows that digital money equivalent to 1,150,000 yen is held in the payment account.

Note that the "total balance" item may be further divided according to the digital money management method. For example, the "total balance" item may be divided into the "salary" item and the "non-salary" item. In this case, the "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The item "other than salary" stores information indicating the balance of digital money deposited under the name other than salary, out of the total balance stored in the "total balance" item.

Also, the "non-salary" items may be further divided into items such as "normal" items and "profit" items. In this case, the "normal" item stores information indicating the balance of the digital money charged by the owner of the settlement account. For example, the information stored in the "normal" item may include information indicating the balance of digital money deposited from a credit card or bank account linked to the payment account. Also, for example, the information stored in the item "Profit" indicates the balance of digital money cashed back against the payment amount when the operator Z uses the electronic payment service provided to the service user. information, etc.

Further, when the service providing apparatus 100 receives a deposit notification from the bank system 30, it adds a predetermined balance to the settlement account according to the content of the deposit notification. For example, when the service providing apparatus 100 receives a deposit notification from the bank system 30 that user X has deposited 200,000 yen, the service providing apparatus 100 sends to add the balance of digital money equivalent to 200,000 yen. Note that the service providing device 100 may notify the user X (charging source device 10), who is the source of the charging instruction, of the completion of charging.

(Regarding transaction schedule information storage unit 122)
The transaction schedule information storage unit 122 stores information about the service user's transaction schedule. The transaction schedule is a schedule of transactions from the money balance, and is registered in advance by the service user. FIG. 4 is a diagram showing an overview of transaction schedule information according to this embodiment. Note that FIG. 4 shows an example of transaction schedule information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 4, the transaction schedule information stored in the transaction schedule information storage unit 122 includes a "user ID" item, a "scheduled transaction date" item, a "details of transaction" item, and a "transaction schedule" item. It has a plurality of items such as the item of amount of money. These items of transaction schedule information are associated with each other.

In the "user ID" item, a user ID (identification information) that is individually assigned to a service user (for example, user X or user Y) when registering for use of a settlement service provided by business operator Z is stored.

The "scheduled transaction date" field stores date and time information indicating the date and time of the transaction scheduled by the service user based on the money balance.

Information indicating the content of the transaction that the service user intends to make from the money balance is stored in the item "details of transaction".

Information indicating the amount of transaction planned by the service user from the money balance is stored in the "planned transaction amount" item.

According to the example shown in FIG. 4, the service providing apparatus 100 provides the service user identified by the user ID: "U#001" with the scheduled date and time of the transaction from the money balance, the details of the transaction, and the transaction details. You can specify information such as the amount of money you are planning to pay.

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

As shown in FIG. 2 , the control unit 130 has a charging unit 131 , a notification unit 132 and a payout unit 133 . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. Although the explanation is omitted, the internal configuration of the control unit 130 is not limited to each unit shown in FIG. Or you may have each part which performs.

(Regarding the charging section 131)
The charge unit 131 charges digital money to a payment account linked to the service user designated as the charge destination. FIG. 5 is a diagram showing an overview of charge instructions according to the present embodiment.

As shown in FIG. 5, the charging instruction received by charging unit 131 includes, for example, items of "charging source ID", "charging destination ID", "scheduled amount", and "scheduled date". Consists of

Information indicating the account of the charge destination is recorded in the item of "charging destination ID". Information indicating the account of the charge destination is recorded in the item of "charging destination ID". Information indicating the scheduled charging amount to the charging destination is recorded in the item of "scheduled amount". Information indicating the scheduled date of charging to the charging destination is recorded in the “scheduled date” item.

FIG. 5 shows, as a charging instruction received by the charging unit 131, from the service user identified by the user ID: "U#001" to the service user identified by the user ID: "U#002", An instruction to charge digital money corresponding to "200,000 (yen)" with a scheduled date of "9/25" is shown.

Note that the charging instruction may include an item of "nominal" indicating the purpose of charging. In this case, the purpose of the charge, which is salary, is recorded in the "nominal" item.

For example, charging section 131 receives a charging instruction transmitted from a service user (for example, user X) through communication section 110 . Next, the charging unit 131 selects the information (account number) of the bank account owned by the business operator Z as the payment destination (transfer destination) of the funds to be applied to the received charging instruction. Notify the user (eg, user X).

Next, the charging unit 131 performs charging on the condition that payment has been confirmed from the service user (for example, user X) who is the source of the charging instruction. Specifically, the charge unit 131 adds the balance of the settlement account linked to the account of the service user (for example, user X) who sent the charge instruction based on the payment notification from the bank. Next, the charging unit 131 identifies a settlement account linked to the account of the service user (for example, user Y) who is the charging destination specified in the charging instruction. Next, the charging unit 131 charges the identified payment account specified in the charge instruction from the balance of the payment account linked to the account of the service user (for example, user X) who sent the charge instruction. Transfer digital money corresponding to the planned amount.

(Regarding the notification unit 132)
The notification unit 132 notifies an alert to the service user of the charge destination when the money balance of the settlement account after charging exceeds a predetermined upper limit.

For example, the notification unit 132 provides an alert to the effect that the money balance exceeds the upper limit due to charging by the money charge service, and that if the money balance does not fall below the upper limit by the specified date, the payment will be made to the specified account. (See, for example, FIG. 1) is notified to the service user (for example, user Y) associated with the account to which the charge is made. In addition, the notification unit 132 may include link information for withdrawing the money balance with an intuitive operation in an alert to be notified to the service user (for example, user Y) associated with the account to which the charge is made. can be done.

Further, even if the money balance exceeds the upper limit, the notification unit 132 may not notify the alert when a transaction is scheduled from the money balance. For example, the notification unit 132 can confirm the target user's transaction schedule by referring to the information on the transaction schedule stored in the transaction schedule information storage unit 122 . Target transactions are scheduled to occur with a high probability of occurring at a predetermined frequency such as once a month. , the purchase (reserve) of financial products, the payment of a housing loan, the payment of management fees, various withdrawals such as public utility charges or educational services, etc. are assumed.

(Regarding payout unit 133)
The payout unit 133 carries out payout to a bank account designated in advance by the service user so that the money balance is equal to or less than the upper limit on the condition that predetermined conditions are satisfied. For example, the payout unit 133 executes payout when a predetermined condition is satisfied after the alert is notified by the notification unit 132 . As a result, the payout unit 133 can make the service user (for example, user Y) associated with the charge destination account aware of the possibility that the money balance will be paid out, thereby improving usability. can be done.

In addition, when there is a withdrawal instruction from the service user associated with the account of the charge destination, the payment unit 133 determines that a predetermined condition is satisfied, and makes payment according to the payment instruction from the service user. to run. Thereby, the payout unit 133 can realize the payout of the money balance according to the service user's request. Note that the withdrawal instruction may be issued via the link information included in the alert notified by the notification unit 132 .

Alternatively, the payout unit 133 satisfies a predetermined condition when the money balance of the service user (for example, user Y) linked to the charge destination account exceeds the upper limit and a predetermined payout grace period has passed. and forcibly execute the payout. The withdrawal grace period is defined in advance within a range that allows compliance with retention regulations stipulated in laws and regulations (for example, the Fund Settlement Act), for example. An example of the due date is the day when a predetermined number of days (for example, seven days) have elapsed since the money balance exceeded the upper limit. As a result, the payout unit 133 can provide services in compliance with laws and regulations.

In addition, when a service user (for example, user Y) associated with the charge destination account is scheduled to make a transaction from the money balance, the payout unit 133 changes the above-described upper limit and changes the money balance to If the upper limit is exceeded, the payout is executed. Target transactions are scheduled to occur with a high probability of occurring at a predetermined frequency such as once a month. , the purchase (reserve) of financial products, the payment of a housing loan, the payment of management fees, various withdrawals such as public utility charges or educational services, etc. are assumed.

For example, the payout unit 133 refers to the transaction schedule information stored in the transaction schedule information storage unit 122, and refers to the schedule of transactions linked to the account of the service user (for example, user Y) linked to the account of the charge destination. to confirm. Then, the payout unit 133 pays out the service user (for example, user Y) associated with the charge destination account in accordance with the above-described predetermined conditions when a transaction from the money balance is not scheduled.

On the other hand, the payout unit 133 does not pay out the money balance of the service user (for example, user Y) linked to the account to which the charge is made when a transaction from the money balance is scheduled. to decide. In other words, the payout unit 133 exceptionally allows the service user's money balance to exceed the upper limit only when a transaction from the money balance is scheduled for the service user.

In addition, the payout unit 133 may pay out an amount corresponding to the money balance of the user Y exceeding the upper limit (predetermined amount) when executing the payout. That is, the service providing apparatus 100 may pay out so that the user Y's money balance is maintained at the upper limit. As a result, the payout unit 133 can provide a service that makes maximum use of the settlement account of the service user. Also, the payout unit 133 regularly (for example, once every month or every few months) makes transactions from the money balance based on the past transaction results of the service user (for example, user Y). It is also possible to calculate a predicted payment amount for (payment) and set a predetermined permissible range for each service user that allows the money balance to exceed the upper limit based on the predicted payment amount. In this case, the payout unit 133 pays out the money balance of the service user based on a predetermined allowable range provided for each service user. Also, for example, the payout unit 133 may update the above-described predetermined allowable range for each service user in a predetermined cycle. In other words, the payout unit 133 can flexibly change the allowable range of the money balance exceeding the upper limit according to the intended use of the money balance. Specifically, when the water charge is debited once every two months for a certain service user, the payout unit 133 sets two or more charges so as to be able to cope with the debit of the water charge. The estimated payment amount is recalculated on a predetermined cut-off date once a month, and the predetermined allowable range is reset. In addition, the payout unit 133 can update the predetermined allowable range by acquiring from each linked service a payment amount related to a transaction schedule such as a credit card usage fee or a purchase of a financial product.

(Regarding the processing functions of the notification unit 132 and the payout unit 133)
An example of processing executed by the notification unit 132 and the payout unit 133 will be described below with reference to FIG. FIG. 6 is an explanatory diagram for explaining an example of processing executed by the notification unit and the payout unit according to the present embodiment.

The date of excess balance shown in FIG. 6 (for example, "9/25") is the first upper limit (for example, "1,000,000") that is the default upper limit for the money balance associated with the service user to which the charge is made. is shown as an example of a date and time exceeding . Also, the scheduled transaction dates (for example, “9/27” and “9/30”) shown in FIG. 6 are examples of dates and times when transactions from the money balance are scheduled. In addition, the end date of payment grace period (eg, “10/2”) shown in FIG. 6 indicates an example of the date and time of the payment grace period (eg, “7 days”).

If the service user's money balance after charging exceeds the first upper limit, the notification unit 132 notifies the service user of the charging destination of an alert. In the example shown in FIG. 6, the notification unit 132 notifies the service user of the charge destination of an alert because the money balance after charging exceeds the first upper limit.

When notified by the notification unit 132 of the alert, the payout unit 133 confirms the transaction schedule from the money balance for the service user to whom the charge is made. Then, the payout unit 133 executes payout according to the above-described predetermined conditions when the service user to whom the charge is made is not scheduled to make a transaction from the money balance.

When executing the payout, the payout unit 133 can execute the payout of the amount corresponding to the money balance exceeding the first upper limit. Taking the example shown in FIG. 000 (yen)” can be paid out. Note that the payout unit 133 may pay out the entire money balance of “1,150,000 (yen)”. Further, the payout unit 133 may pay out the amount specified in the payout instruction when receiving a payout instruction from the service user to whom the charge is made.

On the other hand, the payout unit 133 does not pay out the money balance to the charge-destination service user when a transaction from the money balance is scheduled for the charge-destination service user. In the example shown in FIG. 6, the payment unit 133 does not pay out the money balance because the service user of the charge destination is scheduled to make a transaction from the money balance.

In addition, when the charge destination service user is scheduled to make a transaction from the money balance, the payout unit 133 further determines whether or not the money balance exceeds the second upper limit, and based on the determination result, may decide whether to execute the payout. As a result, the payout unit 133 can provide a service according to the user's service utilization status, and improve usability.

The second upper limit is an individual upper limit that is preset for each service user based on the money settlement history. It can be set based on a value or the like. In FIG. 6, "1,200,000 (yen)" is shown as an example of the second upper limit.

Then, when the money balance exceeds the second upper limit, the payout unit 133 pays out the money balance according to the above conditions. Conversely, when the payout unit 133 determines that the money balance does not exceed the second upper limit, it does not pay out the money balance. In the example shown in FIG. 6, the money balance does not exceed the second upper limit and a transaction is scheduled from the money balance, so the payout unit 133 does not pay out the money balance.

Moreover, when the second upper limit is exceeded, the payout unit 133 can pay out an amount corresponding to the money balance exceeding the first upper limit, as in the above example.

In addition, if the service user's money balance after charging exceeds the first upper limit and a transaction from the money balance is scheduled, the payment unit 133 allows the money balance to reach the first level by the end of the payment grace period. On the condition that it is equal to or less than the upper limit of , the money balance may not be dispensed.

[3. Processing procedure]
(3-1. Overall processing)
A processing procedure performed by the service providing apparatus 100 according to this embodiment will be described below with reference to FIG. FIG. 7 is a flow chart showing an example of a processing procedure of the service providing apparatus according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the service providing apparatus 100 .

As shown in FIG. 7, the charge unit 131 charges digital money to a settlement account linked to a service user designated as a charge destination (step S101).

In addition, the notification unit 132 determines whether or not the money balance of the settlement account after charging exceeds a predetermined upper limit (step S202).

If the notification unit 132 determines that the money balance of the settlement account after charging exceeds the predetermined upper limit (step S202; Yes), it notifies the service user of the charging destination of an alert (step S203).

In addition, the payout unit 133 determines whether or not a transaction from the money balance is scheduled for the service user associated with the charge destination account (step S204).

When the payout unit 133 determines that a transaction from the money balance is scheduled (step S204; Yes), the processing procedure shown in FIG. 7 is terminated.

On the other hand, when the payout unit 133 determines that a transaction from the money balance is not scheduled (step S204; No), the money balance is kept below the upper limit on the condition that a predetermined condition is satisfied. Then, the payment is made to the bank account specified in advance by the service user (step S205), and the processing procedure shown in FIG. 7 ends.

[4. Hardware configuration]
Also, the service providing apparatus 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to this embodiment.

A computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the service providing device 100, which is an example of the information processing device according to the present embodiment, the computing device 1030 of the computer 1000 can read a program (for example, an information processing program) loaded on the primary storage device 1040. ), a function similar to that of the control unit 130 is realized. That is, the computing device 1030 realizes the processing by the service providing device 100 according to this embodiment in cooperation with the program (eg, information processing program) loaded on the primary storage device 1040 .

[5. effect〕
As described above, the service providing device 100, which is an example of the information processing device according to the present embodiment, has the charge section 131 and the payout section 133. FIG. The charge unit 131 charges digital money to a payment account linked to the service user designated as the charge destination. The payout unit 133 pays money to a bank account specified in advance by the service user so that the money balance is equal to or less than the upper limit, provided that a predetermined condition is satisfied.

As a result, the service providing apparatus 100 can provide various services related to digital money to service users while complying with the stay regulation, and promote the use of services related to digital money.

The service providing apparatus 100 further includes a notification unit 132 that notifies the service user of an alert when the money balance exceeds a predetermined upper limit. Thereby, the service providing apparatus 100 can make the service user aware in advance of the possibility that the balance will be paid out.

Also, the payout unit 133 pays out the money balance when a predetermined condition is satisfied after being notified of the alert. As a result, it is possible to make the service user (for example, user Y) associated with the account to which the charge is made aware of the possibility that the money balance will be paid out, thereby improving usability.

Also, the payout unit 133 pays out the money balance when there is a payout instruction from the service user. As a result, it is possible to realize the payout of the money balance according to the service user's request.

Further, the payout unit 133 pays out the money balance when a predetermined payout grace period has passed while the money balance exceeds the upper limit. This makes it possible to provide services that comply with laws and regulations.

Further, the payout unit 133 changes the upper limit defined in advance when a transaction from the money balance is scheduled, and executes the payout of the money balance when the money balance exceeds the changed upper limit. As a result, it is possible to provide a service according to the user's usage of the service, thereby improving the usability.

Moreover, even if the money balance exceeds the upper limit, the payout unit 133 does not pay out the money balance if a transaction is scheduled from the money balance. This can improve usability.

[6. others〕
As described above, the embodiments and some of the modifications have been described in detail with reference to the drawings, but these are examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to carry out the present invention in other forms with modifications and improvements.

In addition, the service providing apparatus 100 described above can flexibly change its configuration, such as by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

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

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

10 charging source device 20 charging destination device 30 bank system 100 service providing device 110 communication unit 120 storage unit 121 account information storage unit 122 transaction schedule information storage unit 130 control unit 131 charge unit 132 notification unit 133 payout unit

Claims (10)

a charging unit that charges the digital money to the payment account linked to the service user designated as the charging destination;
A payout unit for executing payout to a bank account designated in advance by the service user so that the balance of the settlement account after charging is equal to or less than a predetermined upper limit on the condition that predetermined conditions are satisfied. An information processing device comprising: 2. The information processing apparatus according to claim 1, further comprising a notification unit that notifies the service user of an alert when the balance exceeds the upper limit. The dispensing unit
3. The information processing apparatus according to claim 2, wherein the payout is executed when a predetermined condition is satisfied after the alert is notified. The dispensing unit
4. The information processing apparatus according to any one of claims 1 to 3, wherein said payout is executed when said service user instructs to withdraw money. The dispensing unit
5. The information processing apparatus according to any one of claims 1 to 4, wherein the payout is executed when a predetermined payout grace period has passed while the balance exceeds the upper limit. The dispensing unit
The method according to any one of claims 1 to 5, wherein the upper limit is changed when a transaction from the balance is scheduled, and the withdrawal is executed when the balance exceeds the changed upper limit. The information processing device described. The dispensing unit
The information processing apparatus according to any one of claims 1 to 6, wherein said payout is executed for an amount of said balance that exceeds said upper limit. The dispensing unit
8. The information processing according to any one of claims 2 to 7, characterized in that even if said balance exceeds said upper limit, said withdrawal is not executed if a transaction from said balance is scheduled. Device. A computer-executed information processing method comprising:
a charging process of charging digital money to a payment account linked to a service user designated as a charging destination;
A payment step of performing payment to a bank account designated in advance by the service user so that the balance of the settlement account after charging is equal to or less than a predetermined upper limit on the condition that a predetermined condition is satisfied. An information processing method comprising: A charging procedure for charging the digital money to the payment account linked to the service user designated as the charging destination;
Payment procedure for executing payment to a bank account designated in advance by the service user so that the balance of the settlement account after charging is equal to or less than a predetermined upper limit on the condition that predetermined conditions are satisfied. An information processing program characterized by causing a computer to execute and.

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