JP2023155224A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To provide sales proceeds deriving from sale quickly to a user by electronic money, in sale of financial products via a settlement application that settles payment by electronic money.SOLUTION: When having accepted from a user holding financial products an indication of a wish to sell the financial products, an information processing device transmits information concerning the sales proceeds of financial products to a settlement server of a settlement service provider that charges the electronic money account of the user in a settlement service provided by the settlement service provider with the amount of electronic money based on the sales proceeds of financial products, on the day when the wish to sell financial products is indicated.SELECTED DRAWING: Figure 1

Description

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

BACKGROUND ART Conventionally, a technique has been disclosed among a plurality of securities companies for securing purchasing power of customers on a day before the delivery date of the sale proceeds of a sell order.

JP 2021-82213 Publication

However, the above-mentioned conventional technology does not promptly provide a user with the proceeds from the sale using electronic money when selling a financial product via a payment application that performs payment using electronic money.

This application has been made in view of the above, and aims to provide users with the proceeds of the sale as early as possible using electronic money when selling financial products through a payment application that uses electronic money for payment. With the goal.

When the information processing device according to the present application receives an instruction to sell the financial product from a user who owns the financial product, the information processing device is a payment server of a payment service provider, and when the information processing device receives an instruction to sell the financial product from a user who owns the financial product, the information processing device On the day of the instruction, the payment server charges the electronic money account of the user in the payment service provided by the payment service provider with electronic money in an amount based on the sale proceeds of the financial product. Send information regarding the proceeds from the sale of.

According to one aspect of the embodiment, when selling a financial product via a payment application that performs payment using electronic money, the sales proceeds associated with the sale can be provided to the user at an early stage using electronic money.

FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. FIG. 2 is a conceptual diagram showing an example of a service provided by an asset management mini-app. FIG. 3 is a conceptual diagram showing an example of the flow of funds in an asset management mini-app between a payment service provider and a securities company. FIG. 4 is a conceptual diagram showing an example of the flow of funds in an asset management mini-app between a user, a payment service provider, and a securities company. FIG. 5 is a diagram showing an overview of the asset management mini-app. FIG. 6 is a diagram illustrating a configuration example of an information processing system according to an embodiment. FIG. 7 is a diagram illustrating a configuration example of a terminal device according to an embodiment. FIG. 8 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 9 is a diagram showing an example of a user information database. FIG. 10 is a flowchart showing the processing procedure according to the embodiment. FIG. 11 is a diagram showing an example of the configuration of a securities server. FIG. 12 is a diagram showing an example of the hardware configuration.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. In addition, in the following embodiments, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Overview of information processing method]
First, with reference to FIG. 1, an overview of an information processing method performed by an information processing apparatus according to an embodiment will be described. FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. In FIG. 1, an example will be explained in which the sale proceeds of securities are received in electronic money on the day of the sale transaction through receivable transfer (factoring).

As shown in FIG. 1, the information processing system 1 includes a terminal device 10, a payment server 100, and a securities server 200. The terminal device 10, the payment server 100, and the securities server 200 are connected to be able to communicate with each other by wire or wirelessly via a network N (see FIG. 6). In this embodiment, the terminal device 10 cooperates with the payment server 100.

The terminal device 10 is a smart device such as a smartphone or a tablet used by a user U (user), and can communicate with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). This is a mobile terminal device that can perform Further, the terminal device 10 has a screen such as a liquid crystal display, which has a touch panel function, and displays data such as content through a tap operation, a slide operation, a scroll operation, etc. from the user U using a finger or a stylus. Accepts various operations on. Note that an operation performed on an area of the screen where content is displayed may be an operation on the content. Further, the terminal device 10 may be not only a smart device but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The payment server 100 and the securities server 200 cooperate with the terminal device 10 of each user U, and provide API (Application Programming Interface) services, etc. for various applications (hereinafter referred to as applications) to the terminal device 10 of each user U. It is an information processing device that provides various data, and is realized by a server device, a cloud system, etc.

The payment server 100 is operated and managed by a first business operator (payment service business), and provides an application (payment application) for payment (electronic payment) using the terminal device 10.

The securities server 200 is operated and managed by a second business operator (a securities company), cooperates with the payment server 100, and serves as an application (mini app) launched within the payment application for asset management that allows securities to be bought and sold. Provide mini apps.

The securities server 200 is an information processing device involved in buying and selling securities. For example, when the securities server 200 receives an application to sell securities by specifying an amount, the securities server 200 calculates the number of securities to be sold, that is, the sales quantity, among the securities owned by the customer, based on the standard price of the securities. , is an information processing device that pays the sale price to user U. Payment of the sale proceeds is made, for example, by online internet banking or electronic payment. Note that the securities are securities held by the user U, and require a predetermined number of days (for example, two business days) from the application for sale to the delivery of the sale proceeds.

In this embodiment, when there is a first business operator (a payment service business operator) and a second business operator (a securities company), a user can access the second business entity via an asset management mini-app within the payment application of the first business operator. When the user issues an instruction to sell the securities handled by the user to the second business operator, the first business operator first hands electronic money to the user, and the second business operator later pays the price to the first business operator.

Note that a securities company is just one example of a financial institution. It may also be another financial institution such as a bank that handles securities. That is, the securities company may be any financial institution that mediates the buying and selling of securities. Furthermore, securities are just one example of financial products. Securities include stocks, bonds, bills, checks, etc. It may be an investment trust (investment trust: fund), an ETF (Exchange Traded Fund), an insurance product, or the like.

In this embodiment, for convenience, the operations of the terminal device 10, the payment server 100, and the securities server 200 may be described as the operations of a user, a payment service provider, and a securities company, respectively.

[1-1. Payment using terminal device 10]
Here, prior to information processing according to the embodiment, an example of payment (electronic payment) using the terminal device 10 will be described. In the following explanation, the user U uses the two-dimensional code (QR code (registered trademark)) placed at the store and indicates store identification information to identify the store, to access the terminal device 10. An example in which payment is made using the following will be described, but the embodiment is not limited to this. An example of a payment described below can be applied to a case where any user uses any terminal device 10 to make a payment at any store. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, etc.

For example, when user U makes a payment for the use or purchase of payment objects (transaction objects) such as various products and services at a store, user U uses a payment application (payment application) installed on the terminal device 10. app). Then, the user U photographs the store identification information installed at the store via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U or the store clerk M. Then, the terminal device 10 includes user identification information that identifies the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store (for example, store ID (Identifier)), Payment information indicating the payment amount is transmitted to the payment server 100.

In such a case, the payment server 100 transfers the amount of electronic money indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store indicated by the store identification information. The payment server 100 then sends a notification to the terminal device 10 that the payment has been completed. In such a case, the terminal device 10 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

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

In addition, the payment using the terminal device 10 is not limited to the process of transferring electronic money from the account to which the user U has previously charged electronic money to the store's account. It may be a payment made using In such a case, for example, the terminal device 10 may transfer the electronic money of the payment amount to the store's account and request the payment amount from the company that operates the credit card of the user U.

When making a payment using the terminal device 10, the payment application withdraws electronic money equivalent to the payment amount from the user account and manages it as sales information of the member store (different from depositing money into the member store account). Also, at a predetermined timing, based on the sales information, cash is deposited into the member store's bank account in an amount equal to the sales minus the management fee. Furthermore, electronic money may be deposited from the user account to the electronic money account of the member store managed by the member store, and the fee may be collected from the member store account managed by the member store at the time of deposit or at a predetermined timing. Good too. Furthermore, if the funds for the coupons provided to user U regarding the payment app are borne by the merchant, the cost will be covered when depositing cash into a bank account or electronic money into the merchant's account. Subtract and provide cash or electronic money.

Currently, with the above-mentioned payment methods and payment services, member stores do not handle electronic money balances, and sales for each member store with the above-mentioned payment methods and payment services are managed on a payment server. At this time, the sales are not transferred to the member store's account as an electronic money balance, but are converted into cash and deposited into the bank account. When making a deposit, if the funds for the coupon are borne by the member store, the amount minus the funds for the coupon will be transferred from the sales.

Note that the payment means and payment services described above are not limited to those for providing consideration for purchasing products or providing services (settlement of debts). For example, the payment means and payment service described above may have a function related to remittance between accounts owned by multiple users. That is, the payment means and payment service described above may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the owner of electronic money, such as users and stores. In other words, the payment means and payment services according to the embodiments include various controls for realizing electronic money exchange (not only various inter-account remittance controls via electronic money, but also control regarding exchanges between electronic money accounts and bank accounts). Transaction methods and transaction services that carry out various types of debt processing such as control, processing related to splits and bonus payments, and various other controls related to the exchange of assets, including electronic money, may be provided in any format. Good too. Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

For example, when transaction information regarding an electronic money transaction such as payment or remittance occurs, the payment server 100 receives a selection from a user as to whether or not to receive profits based on the transaction information, and if the user receives profits, , to grant profits from transactions to users. Furthermore, if the payment server 100 does not receive any profit, it will grant a more advantageous profit to the user based on the user's behavior in the transaction service.

[1-2. Scheme for receiving sales proceeds on the day of securities sales transaction by transfer of receivables]
Next, with reference to FIG. 1, a scheme for receiving sales proceeds on the day of a securities sale transaction in electronic money through receivable transfer (factoring) will be described. In this embodiment, as a mechanism related to fund settlement for providing an asset management mini-app, a scheme is developed to realize a mechanism in which a user can receive electronic money on the day of a securities sale transaction. For example, in a securities transaction where the delivery date (receipt of sale funds) is usually two business days or later, a scheme is developed in which electronic money is charged on the day of the transaction through receivable transfer (factoring).

As shown in FIG. 1, the terminal device 10 of the user U transfers the claims that the user U has against the securities company to the payment service provider in advance via the asset management mini-app (step S1). . In other words, transfer receivables (factoring).

In the present embodiment, the terminal device 10 of the user U uses the asset management mini-application to operate the payment service business so that the claims are not transferred individually for each transaction, but are transferred for all transactions at once. A contract is concluded in advance with the payment server 100 of the party. As a result, the terminal device 10 of user U will be able to handle all transactions via the asset management mini-application from the securities account that occur on "day T+2", two business days after "day T", which is the day of the transaction. This means that the receivables related to the money have been transferred to the payment service provider. Here, the day of the transaction is expressed as "T day".

Note that, in reality, the terminal device 10 of the user U may individually transfer claims for each transaction via the asset management mini-app.

Next, the terminal device 10 of the user U instructs the securities server 200 of the securities company to sell securities in response to the operation of the user U on the asset management mini-app on "day T", which is the day of the transaction. (Step S2). In this embodiment, funds are automatically transferred between the electronic money account and the securities account by automatic withdrawal.

In this embodiment, the sale of securities is performed through real-time processing through bilateral transactions. In other words, the seller and buyer decide on the price, quantity, etc. of the purchase and sale between themselves, without going through a market such as a stock exchange. Furthermore, the user U can specify the sale quantity and sale price for each brand of securities held on the asset management mini-app. In other words, the user U is not limited to selling all the securities he owns for each issue (number of shares/units) at once, but can also sell by specifying an arbitrary amount. Note that securities may be sold by market orders or limit orders in market transactions. In the case of a market order, the sale price (sale price) is determined when the trade is completed and the price is determined. In the case of a limit order, the sale price is determined when the trade is completed at the specified amount.

Next, the securities server 200 of the securities company transmits the information regarding the sale proceeds of the securities in step S2 to the payment server 100 of the payment service provider on "day T", which is the day of the transaction (step S3). In this embodiment, when securities are bought and sold using the asset management mini app on the terminal device 10 of the user U, the user ID (UID) indicating the user U and the charge amount are sent from the securities server 200 of the securities company. The information is sent to the payment server 100 of the payment service provider.

Next, on "Day T" which is the day of the transaction, the payment server 100 of the payment service provider sends electronic information corresponding to the sale proceeds of the securities in step S2, based on the information regarding the sale proceeds of the securities in step S3 above. The money is charged to the electronic money account of user U (step S4). At this time, the payment server 100 may transfer (deposit) electronic money equivalent to the sale proceeds of the securities from the electronic money account of the payment service provider to the electronic money account of the user U.

In this embodiment, even if there is a time lag across dates, such as selling at 23:59 and charging at 0:01, it is treated as "on the same day." For example, if charging is completed at a time such as midnight of the next day, the time such as midnight is treated as 25:00, 26:00, etc. of the same day.

Further, in this embodiment, for convenience of explanation, the amount of electronic money charged to user U will be described as being the same as the proceeds from the sale of securities. Furthermore, in reality, the amount of electronic money charged to User U may be the amount obtained by deducting fees, etc. from the proceeds from the sale of securities, or the amount obtained by adding points from campaigns, etc. to the proceeds from the sale of securities. good. That is, strictly speaking, the amount of electronic money charged to user U does not have to be the same as the proceeds from the sale of securities. Further, the sale price of the securities itself may be the amount after deducting fees, etc., or the amount after adding points from campaigns, etc. The securities server 200 of the securities company may notify the payment server 100 of the payment service provider of the sale amount and commission. Further, the securities server 200 of the securities company may notify the sale amount and commission to the terminal device 10 of the user U via the asset management mini-app. In such a case, the payment server 100 of the payment service provider will transfer the amount obtained by subtracting the securities company's commission from the sale amount, or the amount obtained by subtracting the payment service provider's commission from this amount, to the electronic money of the user U. You can charge it to your account.

Further, the charge amount for electronic money (cash etc. to be exchanged for electronic money) shall be paid at a later date (on or after the day when the proceeds from the sale of securities can be withdrawn). That is, here, only the electronic money is paid in advance, and the charge price is paid in arrears. Formally, the securities company may temporarily borrow electronic money from the payment service provider (receive payment in advance). For example, the securities server 200 of a securities company may only instruct the payment server 100 of a payment service provider to charge electronic money to the electronic money account of user U, and then pay the charge amount at a later date. good. Details of the charge payment will be described later.

Next, the payment server 100 of the payment service provider performs processing for requesting the securities server 200 of the securities company for the electronic money charge fee to the user U in step S4 (step S5). For example, the payment server 100 of the payment service provider collects all transactions performed on "day T", which is the day of the transaction, and charges electronic money to user U in step S4 on a daily basis. Processing may be performed to request the aggregated amount from the securities server 200 of the securities company. Note that, in reality, the timing for processing the request to the securities server 200 may be after "Day T" which is the day of the transaction.

Next, the payment server 100 of the payment service provider transfers an amount equivalent to the charge amount in step S4 to the securities company based on the receivable transfer in step S1 on and after "T+2 day", which is two business days after the transaction date. A request is made to the securities server 200 (step S6). That is, the payment server 100 requests the payment of cash equivalent to the electronic money charge after "T+2 day", which is two business days after the transaction date. At this time, the payment server 100 also transmits user identification information to the securities server 200. The securities server 200 receives and stores billing information including "user identification information and electronic money charge amount (amount equivalent to the charge amount)" from the payment server 100.

Note that the timing for requesting the amount equivalent to the charge amount from the securities server 200 of the securities company may be the "T day" which is the day of the transaction, or later (including before two business days later). That is, it is only necessary to charge electronic money equivalent to the proceeds from the sale of securities to the electronic money account of user U. For example, the payment server 100 may request the securities server 200 of the securities company for an amount equivalent to the charge amount on or after "Day T", which is the day of the transaction. That is, the payment server 100 may request the payment of cash equivalent to the electronic money charge amount on or after the "T day" which is the day of the transaction.

Next, the securities server 200 of the securities company confirms that the proceeds from the sale of the securities in step S2 have arrived at the securities company on "T+2nd day", two business days after the transaction date (step S7). For example, the securities server 200 detects the arrival of money into a user's securities account according to the user's identification information included in the stored billing information. That is, the securities server 200 of the securities company receives the proceeds from the sale of the securities in step S2 above into the securities company's account (user U's securities account) on "T+2 day", two business days after the transaction date. Make sure that.

Next, the securities server 200 of the securities company charges an amount equivalent to the charge amount in step S4 based on the request from the payment server 100 of the payment service provider on and after "T+2 day", which is two business days from the day of the transaction. (Step S8). For example, when the securities server detects that money has arrived in the user's securities account, it transfers the charge amount included in the stored billing information from the user's securities account that detected the arrival to the payment service provider's bank account. . That is, based on the request from the payment server 100, the securities server 200 deposits cash equivalent to the electronic money charge into the bank account of the payment service provider. Note that "to deposit money into a bank account" refers to performing processing for depositing money into a bank account, such as depositing money to an external bank server (not shown) or instructing remittance. In this embodiment, for convenience, the term "deposit money into a bank account" is simply written.

For example, the securities server 200 of a securities company, at the same time that the proceeds from the sale of securities arrive in the securities account of user U, transfers an amount equivalent to the electronic money charge out of the received amount to the electronic money charge amount. deposit into the bank account of the payment service provider. In other words, the securities server 200 charges the electronic money charged to the electronic money account of user U in step S4 above from the securities company's bank account after "day T+2", which is two business days from the day of the transaction. Instead, the money is transferred from the securities account of user U, where the money was received, to the bank account of the payment service provider.

Then, when (or after) the securities server 200 of the securities company deposits money into the bank account of the payment service provider, it notifies the payment server 100 of the payment service provider that the money has been deposited into the bank account of the payment service provider. Note that, in reality, the bank server (not shown) of the bank that confirmed the deposit from the securities company may notify the payment server 100 of the payment service provider that the deposit was received from the securities company. The bank account of the payment service provider may be a bank account opened at a bank belonging to the same corporate group as the payment service provider (or a bank with which the payment service provider has a business alliance). Further, the account is not limited to a bank account, but may be an account at another financial institution.

At this time, the payment server 100 of the payment service provider receives a notification (deposit notification) from the securities server 200 of the securities company, and confirms the deposit into the bank account of the payment service provider. When the payment server 100 confirms that the payment has been made into the bank account of the payment service provider, the payment server 100 determines that the amount equivalent to the charge amount in step S4 has been received. Note that, in reality, the payment server 100 may determine that the amount equivalent to the charge amount in step S4 has been received at the time of receiving the notification (deposit notification) from the securities server 200 of the securities company.

Normally, in securities transactions at a securities company, the securities and proceeds are delivered and received on the "settlement date" two business days after the transaction date, and in the case of a sale, the customer receives the sale proceeds in their securities account until the settlement date. need to wait. In the scheme utilizing receivable transfer (factoring) according to this embodiment, the user of the electronic payment service receives the sale proceeds in electronic money on the day of the securities sale transaction performed using the asset management mini app, It can be used as electronic money from the day of the transaction.

In this embodiment, matters that are recognized as valid receivables assignment (factoring) include the conclusion of a contract that indicates the subjective intention of the parties, objective facts that support that subjective intention, and accounting premise of receivables assignment. For example, the handling of

As a contract that indicates the subjective intentions of the parties, a payment service provider and a securities company will conclude a business consignment contract (with content based on the factoring scheme) regarding the issuance of electronic money. A payment service terms of use (individual special agreement for the factoring scheme) will be concluded between the payment service provider and the user. As for the securities company and the user, the securities company mini app terms of use (including individual consent to the factoring scheme) will be concluded.

As an objective fact that supports subjective intention, a particularly important element is that the risk of non-collection of the debt and the economic benefits are transferred to the transferee (a special repurchase agreement, recourse agreement, etc.) negative evaluation factors (if it is done with the transferee), actual control of the receivable has been transferred to the transferee, and the transferor is responsible for managing and collecting the receivable ( (If the transferor is carrying out collection, etc., it will be a negative evaluation factor; if the transferor is conducting the collection, it will be a negative evaluation factor), and it meets the requirements for countervailing. These include the fact that it meets the requirements for transfer, that the consideration for the assignment of claims is reasonable, and that the consideration is reasonable.

This is expected to improve the convenience of securities transactions using the asset management mini app. Furthermore, it is possible to provide a legal mechanism for securities companies to pay the sale proceeds of securities to their customers on the same day using "electronic money." Additionally, we can expect an increase in the frequency of use of payment apps.

[1-3. Asset management mini app provision service]
FIG. 2 is a conceptual diagram showing an example of a service provided by an asset management mini-app. As shown in Figure 2, the services provided by securities companies through asset management mini apps include opening securities company accounts (including identity verification by securities companies (eKYC: electronic know your customer) and issuance of legal documents), electronic money transfer, etc. This includes providing information such as securities transactions, asset balance trends, asset ratios, notices, etc.

Securities companies provide asset management services through asset management mini apps. At this time, the securities company selects the products to be handled by the asset management mini-app. The asset management mini app enables the purchase and withdrawal (when selling) of securities using electronic money. In this embodiment, no payment means other than electronic money is introduced. Note that withdrawal to a financial institution account is also possible only if the withdrawal exceeds the upper limit of the electronic money amount (for example, 1 million yen).

There is a daily limit on how much electronic money can be charged. Normally, the upper limit is 500,000 yen for 24 hours and 2 million yen for 30 days. The upper limit of stay is 1 million yen. Therefore, the balance after charging will be adjusted to 1 million yen. For example, if you make a sale when the maximum retention limit is 1 million yen, a message may be displayed indicating that the sales amount exceeding 1 million yen will be transferred to your bank account. Also, if the balance is 900,000 yen and 300,000 yen is a sale gain, 200,000 yen (or more) of the 300,000 yen sale gain should be transferred to the bank account. Alternatively, have the entire 300,000 yen profit from the sale transferred to your bank account. Either is fine. Further, an upper limit may be set for the amount of securities bought and sold so that the upper limit of retention is not exceeded.

In the case of bank transfer, the transfer may be made from the securities account to the bank account on or after "T+2 day", which is two business days from the day of the transaction. Alternatively, the money may be transferred from an electronic money account to a bank account. For example, an electronic money account may be charged once, and the amount exceeding the retention limit may be transferred to a bank account. The amount exceeding the retention limit may be refunded from the electronic money account to the securities account, and then transferred from the securities account to the bank account. As for the bank, any bank that the user has registered with the securities company may be used. Bank transfers may be made immediately or two business days after the day of the transaction.

[1-4. Fund flow of asset management mini app〕
FIG. 3 is a conceptual diagram showing an example of the flow of funds in an asset management mini-app between a payment service provider and a securities company. As shown in Figure 3, in the fund flow of the asset management mini app between the payment service provider and the securities company, the payment service provider is responsible for the funds arising from the outsourcing of financial intermediary business from the securities company to the payment service provider. Earn income from profit share distributions (monthly). For example, a payment service provider receives a portion of the profits that a securities company receives from users' trading and holding of securities.

It also buys securities using electronic money from the user and transfers and receives the total sales proceeds (daily). For example, a payment service provider transfers the total purchase price of securities using electronic money to a securities company. In addition, the total proceeds from the sale of securities will be transferred from the securities company to the payment service provider using electronic money. Note that the transfer of the total sale proceeds of the user's securities is based on the transfer of receivables (factoring) from the user to the payment service provider.

FIG. 4 is a conceptual diagram showing an example of the flow of funds in an asset management mini-app between a user, a payment service provider, and a securities company. That is, it shows the flow of funds from the user's perspective. As shown in Figure 4, the flow of funds in the asset management mini app between the user, payment service provider, and securities company involves e-money payments for purchase prices and sales proceeds in the asset management mini app within the payment app. Receive the amount of electronic money (on the day of the transaction).

When a user makes a purchase, the electronic money is automatically subtracted from the electronic money, and when the user sells, the electronic money is automatically added. Normally, procedures for depositing money into a securities account and withdrawing money from a securities account are performed in cash, but in this embodiment, since electronic money is used, procedures for depositing money into a securities account in cash and procedures for withdrawing money from a securities account are performed. There will be no withdrawal procedures from the account. In other words, procedures for depositing funds from a bank account to a securities account or withdrawing funds from a securities account to a bank account are not performed. The receipt of electronic money for the sale proceeds on the day of the transaction is based on the receivable transfer (factoring) scheme shown in Figure 1.

[1-5. Overview of asset management mini app〕
FIG. 5 is a diagram showing an overview of the asset management mini-app. As shown in FIG. 5, the target users of the asset management mini-application are assumed to be customers who are users of a payment application provided by a payment service provider and who have a securities account at a securities company. The target products are securities, and electronic money is used to purchase and withdraw (sell) securities. The reception hours for purchases and sales of securities shall be available 24 hours a day, 365 days a year, and the timing of deposits and purchases and sales and withdrawals of electronic money shall be in real time (T+0th day). That is, the day of the transaction is "T day." The usable unit of electronic money is "100 yen or more, in units of 1 yen" in the case of purchase, and "1 yen or more, in units of 1 yen" in the case of sale. Additionally, the upper limit on transactions shall be in accordance with the upper limit for electronic money.

[1-6. Business operator's services/business, income]
(Services and business of payment service provider)
As a financial product intermediary whose financial institution is a securities company, the payment service provider sends customers to the securities company via the asset management mini app. It also provides a mini-app platform to securities companies.

(Income of payment service provider)
The payment service provider receives income as a profit share from a portion of the revenue that the securities company receives from securities trading and investment trust trust fees from customers who open an account with the securities company via the asset management mini app.

(Services and operations of securities companies)
As a financial institution (class 1 financial instruments business operator) affiliated with a payment service provider that acts as a financial products intermediary, a securities company receives customer referrals from the payment service provider via the asset management mini app, opens a securities account, and handles securities transactions. Provides securities trading services and related operations. In addition, the securities company provides Mini Apps to customers as a Mini App member store.

(Securities company income)
Securities companies earn income from securities trading and investment trust fees received from customers who open accounts with Securities Companies Co., Ltd. via the asset management mini app.

[2. Configuration example of information processing system]
Next, the configuration of the information processing system 1 including the payment server 100 according to the embodiment will be described using FIG. 6. FIG. 6 is a diagram illustrating a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 6, the information processing system 1 according to the embodiment includes a terminal device 10, a payment server 100, and a securities server 200. These various devices are connected via a network N so that they can communicate by wire or wirelessly. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Furthermore, the number of devices included in the information processing system 1 shown in FIG. 6 is not limited to what is illustrated. For example, in FIG. 6, only one terminal device 10 is shown to simplify the illustration, but this is just an example and is not limited, and there may be two or more terminal devices.

The terminal device 10 is an information processing device used by the user U. For example, the terminal device 10 may be a smart device such as a smartphone or a tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a game console or AV device with a communication function, a car navigation system, a smart watch, or the like. These include wearable devices such as head-mounted displays, smart glasses, etc.

The terminal device 10 also supports wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation), Bluetooth (registered trademark), and wireless LAN (Local The payment server 100 can be connected to the network N via short-range wireless communication such as a network (Area Network), and can communicate with the payment server 100.

The payment server 100 and the securities server 200 are, for example, a PC, a server device, a mainframe, a workstation, or the like. Note that the payment server 100 and the securities server 200 may be realized by cloud computing.

[3. Configuration example of terminal device]
Next, the configuration of the terminal device 10 will be explained using FIG. 7. FIG. 7 is a diagram showing an example of the configuration of the terminal device 10. As shown in FIG. As shown in FIG. 7, the terminal device 10 includes a communication section 11, a display section 12, an input section 13, a positioning section 14, a sensor section 20, a control section 30 (controller), and a storage section 40. Be prepared.

(Communication Department 11)
The communication unit 11 is connected to a network N (see FIG. 6) by wire or wirelessly, and transmits and receives information to and from the payment server 100 via the network N. For example, the communication unit 11 is realized by a NIC (Network Interface Card), an antenna, or the like.

(Display section 12)
The display unit 12 is a display device that displays various information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic electro-luminescent display (EL display). Further, the display unit 12 is a touch panel type display, but is not limited to this.

(Input section 13)
The input unit 13 is an input device that receives various operations from the user U. For example, the input unit 13 includes buttons for inputting characters, numbers, and the like. Note that the input unit 13 may be an input/output port (I/O port), a USB (Universal Serial Bus) port, or the like. Further, when the display section 12 is a touch panel display, a part of the display section 12 functions as the input section 13. Further, the input unit 13 may be a microphone or the like that receives voice input from the user U. The microphone may be wireless.

(Positioning unit 14)
The positioning unit 14 receives a signal (radio wave) sent from a GPS (Global Positioning System) satellite, and based on the received signal, determines position information (for example, latitude and longitude). That is, the positioning unit 14 positions the terminal device 10 . Note that GPS is just one example of GNSS (Global Navigation Satellite System).

Further, the positioning unit 14 can measure the position using various methods other than GPS. For example, the positioning unit 14 may use various communication functions of the terminal device 10 to measure the position as an auxiliary positioning means for position correction and the like, as described below.

(Wi-Fi positioning)
For example, the positioning unit 14 positions the terminal device 10 using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication network provided by each communication company. Specifically, the positioning unit 14 performs Wi-Fi communication, etc., and determines the position of the terminal device 10 by measuring the distance to nearby base stations and access points.

(Beacon positioning)
Further, the positioning unit 14 may use the Bluetooth (registered trademark) function of the terminal device 10 to measure the position. For example, the positioning unit 14 measures the position of the terminal device 10 by connecting to a beacon transmitter connected by a Bluetooth (registered trademark) function.

(geomagnetic positioning)
Furthermore, the positioning unit 14 positions the terminal device 10 based on the geomagnetic pattern of the structure measured in advance and the geomagnetic sensor included in the terminal device 10 .

(RFID positioning)
Further, for example, if the terminal device 10 has an RFID (Radio Frequency Identification) tag function equivalent to a contactless IC card used at station ticket gates, stores, etc., or has a function to read an RFID tag. In this case, the location where the terminal device 10 used the terminal device 10 is recorded together with the information that the payment was made. The positioning unit 14 may measure the position of the terminal device 10 by acquiring such information. Further, the position may be determined by an optical sensor, an infrared sensor, or the like provided in the terminal device 10.

The positioning unit 14 may position the terminal device 10 using one or a combination of the above-mentioned positioning means, if necessary.

(sensor section 20)
The sensor unit 20 includes various sensors mounted on or connected to the terminal device 10. Note that the connection may be a wired connection or a wireless connection. For example, the sensors may be a detection device other than the terminal device 10, such as a wearable device or a wireless device. In the example shown in FIG. 7, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, an atmospheric pressure sensor 23, an air temperature sensor 24, a sound sensor 25, an optical sensor 26, a magnetic sensor 27, and an image sensor ( camera) 28.

Note that each of the sensors 21 to 28 described above is merely an example and is not limited to the above. That is, the sensor section 20 may be configured to include a portion of each of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of each of the sensors 21 to 28. .

The acceleration sensor 21 is, for example, a three-axis acceleration sensor, and detects the physical movement of the terminal device 10, such as the moving direction, speed, and acceleration of the terminal device 10. The gyro sensor 22 detects physical movements of the terminal device 10 such as tilt in three axes directions based on the angular velocity of the terminal device 10 and the like. The atmospheric pressure sensor 23 detects the atmospheric pressure around the terminal device 10, for example.

Since the terminal device 10 is equipped with the above-mentioned acceleration sensor 21, gyro sensor 22, atmospheric pressure sensor 23, etc., it is possible to implement technologies such as pedestrian autonomous navigation (PDR) using these sensors 21 to 23, etc. It becomes possible to measure the position of the terminal device 10 using the . This makes it possible to obtain indoor position information that is difficult to obtain using positioning systems such as GPS.

For example, a pedometer using the acceleration sensor 21 can calculate the number of steps, walking speed, and distance walked. Furthermore, by using the gyro sensor 22, it is possible to know the direction of travel of the user U, the direction of the line of sight, and the inclination of the user's body. Further, from the atmospheric pressure detected by the atmospheric pressure sensor 23, it is also possible to know the altitude and the number of floors where the terminal device 10 of the user U is located.

The temperature sensor 24 detects, for example, the temperature around the terminal device 10. The sound sensor 25 detects, for example, sounds around the terminal device 10. The optical sensor 26 detects the illuminance around the terminal device 10 . The magnetic sensor 27 detects, for example, the earth's magnetism around the terminal device 10. The image sensor 28 captures an image of the surroundings of the terminal device 10.

The above-mentioned atmospheric pressure sensor 23, temperature sensor 24, sound sensor 25, optical sensor 26, and image sensor 28 each detect atmospheric pressure, temperature, sound, and illuminance, and capture images of the surroundings, so that the terminal device 10 It is possible to detect the surrounding environment and situation. Furthermore, it is possible to improve the accuracy of the location information of the terminal device 10 based on the environment and situation around the terminal device 10.

(Control unit 30)
The control unit 30 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM, an input/output port, etc., and various circuits. Further, the control unit 30 may be configured with hardware such as an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control section 30 includes a transmitting section 31, a receiving section 32, and a processing section 33.

(Transmission unit 31)
The transmitting unit 31 receives, for example, various information input by the user U using the input unit 13, various information detected by the sensors 21 to 28 mounted on or connected to the terminal device 10, and information measured by the positioning unit 14. The location information of the terminal device 10 and the like can be transmitted to the payment server 100 via the communication unit 11.

(Receiving unit 32)
The receiving unit 32 can receive various information provided from the payment server 100 and requests for various information from the payment server 100 via the communication unit 11 .

(Processing unit 33)
The processing unit 33 controls the entire terminal device 10, including the display unit 12 and the like. For example, the processing unit 33 can output various information transmitted by the transmitting unit 31 and various information received from the payment server 100 by the receiving unit 32 to the display unit 12 for display.

(Storage unit 40)
The storage unit 40 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), or an optical disk. Ru. The storage unit 40 stores various programs, various data, and the like.

[4. Payment server configuration example]
Next, the configuration of the payment server 100 according to the embodiment will be described using FIG. 8. FIG. 8 is a diagram showing a configuration example of the payment server 100 according to the embodiment. As shown in FIG. 8, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(Communication Department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). Further, the communication unit 110 is connected to the network N (see FIG. 6) by wire or wirelessly.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as an HDD, an SSD, or an optical disk. As shown in FIG. 8, the storage unit 120 includes a transaction information database 121.

(Transaction information database 121)
The transaction information database 121 stores various information regarding user U's buying and selling of securities. FIG. 9 is a diagram showing an example of the transaction information database 121. In the example shown in FIG. 9, the transaction information database 121 includes "user", "receivables transfer", "securities", "sale date", "sales proceeds", "charge", "delivery date", "proceeds" It has items such as "Billing" and "Payment Receipt."

“User” indicates identification information for identifying user U, who is a customer of a payment service provider and a customer of a securities company. Note that the identification information of the user U may be the contact information (phone number, email address, etc.) of the user U, or may be identification information for identifying the terminal device 10 of the user U. .

In addition, "claim transfer" indicates whether or not there is a transfer of claims related to the withdrawal of proceeds from the sale of securities. In other words, it indicates whether or not a receivables transfer (factoring) has been performed. In this embodiment, claims are transferred for all transactions at once, but in reality, claims may be transferred for each individual transaction (each sale of securities). That is, the presence or absence of transfer of claims may be determined for each security.

Furthermore, “securities” indicates identification information for identifying securities. Note that the identification information of the securities may be the name of the securities, the securities code, or the like. Further, the "sale date" indicates the date on which the user U gave an instruction to sell securities. In other words, the sale date indicates the contract date for the sale of securities. Further, "sale proceeds" indicates the sale proceeds (amount) of securities.

Moreover, "charge" indicates whether or not the electronic money account of user U is charged. In other words, it indicates whether or not electronic money equivalent to the proceeds from the sale of securities has been charged to the electronic money account of user U in response to the transfer of receivables (factoring).

Further, the "delivery date" indicates the delivery date (settlement date) on which the buyer pays the price and the seller hands over the securities to the other party to settle the transaction after the securities are bought and sold. That is, the delivery date indicates the date on which the proceeds from the sale of the securities can be withdrawn from the securities account of the user U. Usually, the delivery date is two business days (T+2nd day) after the transaction day (T day).

Further, "Claim for Charge" indicates whether or not an amount equivalent to the amount to be charged to the user U's electronic money account has been charged. That is, the payment request indicates whether or not a request has been made to the securities company for an amount equivalent to the amount charged to the electronic money account of user U after the delivery date.

Further, "receipt of payment" indicates whether or not an amount corresponding to the amount charged to the electronic money account of user U has been received. That is, the payment receipt indicates whether an amount equivalent to the amount charged to the electronic money account of the user U has been received from the securities company after the delivery date.

For example, in the example shown in Figure 9, a receivable transfer (factoring) is performed by the user "U1", an instruction to sell securities "A1" is given on the sale date "2021/11/3", and the user Electronic money equivalent to 12,000 yen of proceeds from the sale of securities is charged to U's electronic money account, and then a claim is made to the securities company for an amount equivalent to the amount charged to User U's electronic money account. Indicates that the amount equivalent to the amount charged to User U's electronic money account was received from the securities company after the delivery date "November 5, 2021."

Here, in the example shown in FIG. 9, abstract values such as "U1" and "A1" are used for illustration, but "U1" and "A1" contain information such as concrete character strings and numerical values. shall be remembered. Below, abstract values may be illustrated in diagrams related to other information as well.

Note that the transaction information database 121 is not limited to the above, and may store various information depending on the purpose. For example, the transaction information database 121 may store identification information for identifying a securities company. Note that the identification information of the securities company may be the name of the securities company, a financial institution code, a branch code, a store number, a branch number, etc. Further, the transaction information database 121 may store various information regarding securities. Further, the transaction information database 121 may store various information regarding securities companies. The transaction information database 121 also includes user U's demographic, psychographic, geographic, behavioral, and other attributes. Information regarding the information may be stored. For example, the transaction information database 121 may store information such as name, family composition, place of birth (locality), occupation, position, income, qualifications, residence type (single-family house, condominium, etc.).

(Control unit 130)
Returning to FIG. 8, the explanation will be continued. The control unit 130 is a controller, and controls the payment server 100 using, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), or an FPGA (Field Programmable Gate Array). This is realized by executing various programs (corresponding to an example of an information processing program) stored in an internal storage device using a storage area such as a RAM as a work area. In the example shown in FIG. 8, the control unit 130 includes an acquisition unit 131, a reception unit 132, a charge processing unit 133, a payment request unit 134, and a payment reception unit 135.

(Acquisition unit 131)
The acquisition unit 131 acquires a search query input by the user U. For example, when the user U inputs a search query into a search engine or the like and performs a keyword search, the acquisition unit 131 acquires the search query via the communication unit 110. That is, the acquisition unit 131 acquires, via the communication unit 110, a keyword input by the user U into a search window of a search engine, site, or application.

The acquisition unit 131 also acquires various information regarding the user U, the securities company, and securities via the communication unit 110. For example, the acquisition unit 131 acquires identification information indicating the user U (user ID, etc.), location information of the user U, attribute information of the user U, etc. from the terminal device 10 of the user U. Further, the acquisition unit 131 may acquire company information of the securities company, detailed information regarding securities, etc. from the securities server 200 of the securities company. The acquisition unit 131 may then register this information in the transaction information database 121 of the storage unit 120.

(Reception Department 132)
The reception unit 132 receives a transfer of a claim related to the sale proceeds of a financial product (securities) sold by a user via a payment application that performs payment using electronic money. In this embodiment, the reception unit 132 concludes a contract for transfer of receivables (factoring) regarding proceeds from the sale of financial products via the asset management mini app of the terminal device 10 of the user U. At this time, the reception unit 132 does not conclude a contract to transfer claims individually for each transaction, but concludes a contract to transfer claims for all transactions at once. The reception unit 132 then registers this information in the transaction information database 121 of the storage unit 120.

In addition, for each transaction, the reception unit 132 receives an instruction to sell securities each time a user issues an instruction to sell securities via an asset management mini app of a securities company that mediates the buying and selling of securities within a payment application that performs electronic money payments. In addition, the transfer of claims related to the withdrawal of proceeds from the sale of securities may be accepted. Then, the reception unit 132 may register this information in the transaction information database 121 of the storage unit 120.

In other words, the reception unit 132 accepts a second business operator (a securities company) that mediates the buying and selling of securities among the mini-apps within the payment app of a first business operator (a payment service business operator) that provides a payment service using electronic money. Each time a user issues an instruction to sell securities via the asset management mini-app, the transfer of a claim related to the withdrawal of proceeds from the sale of securities may be accepted.

In addition, if the user instructs an external server (securities server 200) that controls the buying and selling of financial products to sell financial products via a payment application that performs payments using electronic money, the reception unit 132 , receives information regarding sales proceeds of financial products from the external server via the communication unit 110. For example, when the user buys and sells securities using the asset management mini app on the user's terminal device 10, the reception unit 132 receives the user ID (UID) indicating the user and the charge amount from an external server that cooperates with the asset management mini app. receive. Further, the reception unit 132 may receive an instruction to charge electronic money in an amount based on the sale proceeds of the financial product from an external server.

(Charge processing unit 133)
The charge processing unit 133 charges electronic money equivalent to the sale proceeds of the financial product to the payment application on the day (T day) when the user sells the financial product, based on the information regarding the sale proceeds of the financial product. Further, the charge processing unit 133 may charge the payment application with electronic money in an amount based on the sale price of the financial product in response to a charge instruction from an external server. The charge processing unit 133 then registers this information in the transaction information database 121 of the storage unit 120.

For example, the charge processing unit 133 settles electronic money equivalent to the proceeds from the sale of securities on the day (T day) when the user issues an instruction to sell the securities, based on information regarding the withdrawal of proceeds from the sale of securities. Charge the e-money account of the app user.

In other words, the charge processing unit 133 settles electronic money equivalent to the proceeds from the sale of securities on the day (T day) when the user issues an instruction to sell the securities, based on the information regarding the withdrawal of proceeds from the sale of securities. Charge the e-money account of the app user.

(Payment request unit 134)
The payment request unit 134 requests an external server (securities server 200), via the communication unit 110, for an amount equivalent to the amount to be charged to the payment application, based on the receivables related to the sales proceeds of the financial product. For example, the payment requesting unit 134 later requests the debtor's information processing device for an amount equivalent to the amount to be charged to the payment application based on the receivables related to the proceeds from the sale of the financial product. Furthermore, on the day the user sells the financial product (day T), the payment requesting unit 134 requests the debtor's information processing device to charge the payment application based on the receivables related to the sale proceeds of the financial product. . Then, the payment requesting unit 134 registers this information in the transaction information database 121 of the storage unit 120.

For example, the payment request unit 134 sends the securities server 200 of the securities company, via the communication unit 110, an amount equivalent to the charge amount to the user's electronic money account based on a claim regarding the withdrawal of proceeds from the sale of securities. Claim. At this time, the payment requesting unit 134 sends a request to the securities server 200 of the securities company based on the receivables related to the withdrawal of the sales proceeds of the securities after the date on which the withdrawal of the sale proceeds of the securities becomes possible (T+2 day). The user will be charged an amount equivalent to the charge amount to the user's electronic money account.

In other words, the payment requesting unit 134, as a first business operator (settlement service business) that is a creditor, requests a second business operator (securities company) that is a debtor based on a claim regarding the withdrawal of proceeds from the sale of securities. The user will then be charged an amount equivalent to the charge amount to the user's electronic money account. Here, the payment requesting unit 134 acts as the payment server 100 of the first business operator (payment service business operator) and sends a request to the securities server 200 of the second business operator (securities company), which is the debtor, to the user's electronic money account. Submit a payment request for the amount equivalent to the charge amount. Note that, in reality, the payment request unit 134 uses a mechanism (payment screen, etc.) may be provided. The same applies to requests for charges to electronic money accounts.

(Price receiving section 135)
The payment receiving unit 135 receives a payment corresponding to the charging fee from the debtor to the payment application via the communication unit 110. For example, the payment receiving unit 135 receives a payment corresponding to the charge price from the debtor at a later date. Then, the payment receiving unit 135 registers this information in the transaction information database 121 of the storage unit 120.

For example, the payment receiving unit 135 receives, via the communication unit 110, a notification from the securities server 200 of the securities company that a corresponding amount of the charge fee will be paid to the user's electronic money account. For example, the securities server 200 deposits the charge amount into the bank account of the payment service provider, and sends a notification to the payment server 100 that the payment has been made. Therefore, the payment receiving unit 135 receives the payment notification from the securities server 200. At this time, the payment receiving unit 135 receives a notification of payment of an amount equivalent to the charge amount from the securities server 200 of the securities company after the day when the securities sale proceeds can be withdrawn (T+2 day).

That is, the payment receiving unit 135 receives, via the communication unit 110, from the securities server 200 of the second business operator (securities company) a notification of payment of an amount equivalent to the amount to be charged to the user's electronic money account.

[5. Processing procedure]
Next, a processing procedure by the payment server 100 according to the embodiment will be described using FIG. 10. FIG. 10 is a flowchart showing the processing procedure according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 130 of the payment server 100.

As shown in FIG. 10, the reception unit 132 of the payment server 100 allows users to sell securities via an asset management mini-application of a securities company that mediates the buying and selling of securities within a payment application that performs electronic money payments. The transfer of claims related to the withdrawal of proceeds from the sale of securities is accepted (step S101). The reception unit 132 concludes a contract to accept the transfer of claims for all transactions at once. Note that, in reality, the reception unit 132 may accept the transfer of a claim related to the withdrawal of proceeds from the sale of securities for each individual transaction (every time a sale of securities occurs).

Subsequently, the reception unit 132 of the payment server 100 receives information regarding the proceeds from the sale of securities on the day (T day) when the user issues an instruction to sell the securities (step S102). For example, when securities are bought and sold using the asset management mini app on the user's terminal device 10, the reception unit 132 receives a user ID (UID) indicating the user from the securities server 200 of the securities company that cooperates with the asset management mini app. and the charge amount. Note that the receiving unit 132 may receive an instruction to charge electronic money in an amount based on the proceeds from the sale of securities from the securities server 200.

Subsequently, the charge processing unit 133 of the payment server 100 charges electronic money equivalent to the sale proceeds of the securities on the day (T day) on which the user issues an instruction to sell the securities, based on the information regarding the sale proceeds of the securities. is charged to the electronic money account of the user of the payment application (step S103).

Subsequently, the payment request unit 134 of the payment server 100 charges electronic money equivalent to the sale proceeds of the securities to the electronic money account of the user of the payment application, and then sends the payment request unit 134 to the securities server 200 of the securities company via the communication unit 110. An amount corresponding to the charge amount to the user's electronic money account is requested from the user (step S104). Note that the timing for requesting the amount equivalent to the charge amount from the securities server 200 of the securities company may be the "T day" which is the day of the transaction, or later (including before two business days later). Of course, it may be two business days after the transaction day (T day) (T+2 day) or later. That is, it is only necessary to charge electronic money equivalent to the proceeds from the sale of securities to the electronic money account of user U.

Subsequently, the payment receiving unit 135 of the payment server 100 charges the user's electronic money account with the amount equivalent to the charge amount, and after two business days (T+2nd day) from the day of the transaction (T day), A notification of payment of an amount equivalent to the charge price is received from the securities server 200 of the securities company via the communication unit 110 (step S105). In other words, even if you request the amount equivalent to the charge amount before two business days (T + 2nd day) after the day of the transaction (day T), you will receive the notification of payment of the amount equivalent to the charge amount on the day of the transaction (day T). ) after two business days (T+2nd day). If the amount equivalent to the charge amount is requested after two business days (T + 2nd day) from the day of the transaction (T day), it is natural that you will receive the notification of payment of the amount equivalent to the charge amount on the same day of the transaction (T day). 2 business days (T + 2nd day) onward.

[6. Modified example]
The terminal device 10 and payment server 100 described above may be implemented in various different forms other than the above embodiments. Therefore, a modification of the embodiment will be described below.

In the above embodiment, part or all of the processing executed by the payment server 100 may actually be executed by the terminal device 10. For example, the process may be completed stand-alone (by the terminal device 10 alone). In this case, it is assumed that the terminal device 10 is equipped with the functions of the payment server 100 in the above embodiment. Furthermore, in the embodiment described above, since the terminal device 10 cooperates with the payment server 100, it appears to the user U that the processing of the payment server 100 is also executed by the terminal device 10. That is, from another perspective, it can be said that the terminal device 10 includes the payment server 100.

Further, in the above embodiment, the securities server 200 of the securities company transmits information regarding the sale proceeds of the securities in step S2 above when transmitting in step S3 shown in FIG. Electronic money equivalent to the proceeds from the sale of securities may be deposited. That is, the securities server 200 may transfer (deposit) the electronic money equivalent to the sale proceeds of the securities in step S2 from the securities company's electronic money account to the payment service provider's electronic money account. Then, the payment server 100 of the payment service provider may charge electronic money equivalent to the sale proceeds of the securities to the electronic money account of the user U in response to the electronic money from the securities company. Further, the securities server 200 of the securities company may compensate the amount equivalent to the payment in electronic money from the amount deposited in the securities account of the user U. For example, the securities server 200 of the securities company uses the sale proceeds of user U's securities to charge the securities company's electronic money account with electronic money equivalent to the amount transferred to the electronic money account of the payment service provider. do. At this time, the payment server 100 of the payment service provider accepts the deposit of electronic money in an amount based on the sale proceeds of the financial product from the securities server 200 of the securities company, and accepts the deposit of electronic money from the securities server 200 of the securities company. Accordingly, the payment application may be charged with electronic money in an amount based on the sale proceeds of the financial product. In this case, the transfer of claims in step S1 and the billing and payment processes in steps S5 to S8 are unnecessary.

Furthermore, in the above embodiment, the securities server 200 of the securities company pays the amount equivalent to the charge amount in step S4 with electronic money instead of depositing it into a bank account when making the payment in step S8 shown in FIG. You can. That is, the securities server 200 may transfer (deposit) the equivalent amount of the charge amount in step S4 from the securities company's electronic money account to the payment service provider's electronic money account. Further, the securities server 200 of the securities company compensates the amount equivalent to the payment in electronic money from the amount deposited in the securities account of the user U. For example, the securities server 200 of the securities company uses the proceeds from the sale of user U's securities to charge an amount of electronic money equivalent to the payment amount to the securities company's electronic money account. At this time, the payment server 100 of the payment service provider requests the securities server 200 of the securities company to charge the amount to the electronic money account of the user U on the day that the user U issues an instruction to sell the financial product. However, payment of the charge amount may be received in electronic money from the securities server 200 of the securities company. In this case, the transfer of claims in step S1 becomes unnecessary. Furthermore, the billing and payment processing in steps S5 to S8 can be performed on the same day of the transaction.

Furthermore, in the above embodiment, the payment server 100 may be an information processing device that provides some kind of web service online to the terminal device 10 of each user U. For example, the payment server 100 provides web services such as Internet connection, search service, SNS (Social Networking Service), electronic commerce (EC), electronic payment, online games, online banking, online trading, accommodation/ticket reservation, Services such as video/music distribution, news, maps, route searches, route guidance, route information, operation information, weather forecasts, etc. may be provided. In reality, the payment server 100 may cooperate with various servers that provide the above-mentioned Web services, and may act as an intermediary for the Web services, or may be in charge of processing the Web services.

Furthermore, in the above embodiment, the payment server 100 may acquire user information regarding the user U. For example, the payment server 100 acquires information regarding user U's attributes such as user U's gender, age, and area of residence. The payment server 100 stores and manages identification information indicating the user U (user ID, etc.) as well as information regarding attributes of the user U.

Further, in the above embodiment, the payment server 100 receives various historical information (log data) indicating the actions of the user U from the terminal device 10 of the user U or from various servers based on the user ID, etc. may be obtained. For example, the payment server 100 acquires a location history that is a history of the location, date and time of the user U from the terminal device 10. The payment server 100 also acquires a search history, which is a history of search queries input by the user U, from a search server (search engine). The payment server 100 also acquires a viewing history, which is a history of content viewed by the user U, from the content server. The payment server 100 also acquires a purchase history (payment history) that is a history of product purchases and payment processing by the user U from the electronic commerce server and the payment processing server. Further, the payment server 100 may acquire the listing history and the sales history, which are the listing history of the user U on the marketplace, from the electronic commerce server or the payment processing server. The payment server 100 also acquires a posting history, which is a history of postings by the user U, from a posting server or SNS server that provides a word-of-mouth posting service.

[7. effect〕
As described above, the information processing device (terminal device 10 and payment server 100) according to the present application transmits financial products to an external server that allows users to control the buying and selling of financial products via a payment application that performs payments using electronic money. When the user gives an instruction to sell the financial product, the reception unit 132 receives information regarding the sales proceeds of the financial product from the external server, and the external server receives the information after the user sells the financial product based on the information regarding the sales proceeds of the financial product A charge processing unit 133 is provided that charges the payment application with electronic money in an amount based on the sale proceeds of the financial product until the server confirms receipt of the sale proceeds of the financial product.

The information processing device according to the present application also includes a payment requesting unit 134 that requests an amount equivalent to the amount charged to the payment application from an external server, and a payment receiving unit 134 that receives payment of an amount equivalent to the amount charged to the payment application from the external server. 135.

Further, the payment requesting unit 134 later requests the external server for an amount equivalent to the amount to be charged to the payment application, and the payment receiving unit 135 later receives payment from the external server in an amount equivalent to the amount to be charged.

Note that the reception unit 132 accepts electronic money deposits in an amount based on the sale proceeds of financial products from an external server, and the charge processing unit 133 receives electronic money deposits based on the sale proceeds of financial products from the external server. You may charge the payment app with electronic money in an amount based on .

Alternatively, the payment requesting unit 134 requests the external server to charge the user's electronic money account on the day the user issues an instruction to sell the financial product, and the payment receiving unit 135 requests the external server to charge the charge to the user's electronic money account. Payments may be received in electronic money.

In addition, within the payment application that performs payments using electronic money, the reception unit 132 receives claims related to the withdrawal of sales proceeds of securities sold by the user via the asset management mini application of a securities company that mediates the purchase and sale of securities. Upon receiving the transfer, the charge processing unit 133 receives electronic money equivalent to the proceeds from the sale of the securities on the day the user issues the instruction to sell the securities, in accordance with the transfer of the receivables related to the withdrawal of the proceeds from the sale of the securities. Charge the electronic money account of the user of the payment app.

Further, the payment requesting unit 134 requests the securities company for an amount equivalent to the charge amount to the user's electronic money account based on the receivables related to the withdrawal of the proceeds from the sale of securities, and the payment receiving unit 135 requests the securities company The user receives a payment corresponding to the amount charged to the user's electronic money account from the user.

In addition, the payment requesting unit 134 requests the securities company to charge the user's electronic money account based on the receivables related to the withdrawal of the sale proceeds of the securities after the date on which the withdrawal of the sale proceeds of the securities becomes possible. The amount corresponding to the charge amount is requested, and the payment receiving unit 135 receives a notice of payment of the amount equivalent to the charge amount from the securities company on or after the date when the sale proceeds of the securities can be withdrawn.

In other words, the information processing device according to the present application uses an asset management mini-app of a second business that mediates the buying and selling of securities among mini-apps within the payment app of a first business that provides electronic money payment services. a reception unit 132 that receives information regarding the proceeds from the sale of securities on the day the user instructs the sale of securities; , a charge processing unit 133 that charges electronic money equivalent to the proceeds from the sale of securities to the electronic money account of the user of the payment application; a payment requesting unit 134 that requests an amount equivalent to the amount to be charged to the user's electronic money account; and a payment receiving unit 135 that receives payment of an amount equivalent to the amount charged to the user's electronic money account from the information processing device of the second business operator. and.

In addition, the other information processing device (securities server 200) according to the present application receives billing information including the user's identification information and the charge amount of electronic money to the user's electronic money account from the payment server 100 of the payment service provider. a receiving unit that stores the billing information, a detecting unit that detects money arriving at the user's securities account according to the user's identification information included in the stored billing information, and a detecting unit that detects money arriving at the user's securities account; , a deposit processing unit that deposits the charge amount included in the stored billing information from the securities account of the user whose deposit is detected to the bank account of the payment service provider.

The information processing system 1 according to the present embodiment includes a payment server 100 of a payment service provider and a securities server 200 of a securities company. When an instruction is given to the securities server 200 that controls the buying and selling of financial products to sell a financial product, the securities server 200 sends information to a reception unit that receives information regarding the proceeds from the sale of the financial instrument, and the sales proceeds from the financial instrument. Based on the information about the sale of the financial product, the payment application is charged with electronic money in an amount based on the sale proceeds of the financial product between the time the user sells the financial product and the time the securities server 200 confirms receipt of the sale proceeds of the financial product. The securities server 200 is equipped with a charge processing unit that transmits billing information including the user's identification information and the charge amount of electronic money to the user's electronic money account to the securities server 200. , a receiving unit that receives and stores billing information including the user's identification information and the charge amount of electronic money to the user's electronic money account; and the user's securities according to the user's identification information included in the stored billing information. A detection unit that detects the arrival of money into the account, and when the arrival of money into the user's securities account is detected, a payment service that transfers the charge amount included in the saved billing information from the user's securities account where the money has been detected. The present invention is characterized by comprising a deposit processing unit that deposits money into a business operator's bank account.

By using any one or a combination of the above-described processes, the information processing device according to the present application can realize a scheme in which the sale proceeds of securities on the day of the sale transaction can be received in electronic money through receivable transfer (factoring).

Note that although the above example describes an example in which money is deposited from the user's securities account to the bank account of the payment service provider, the embodiment is not limited to this. Bank accounts in the above process include accounts at financial institutions other than banks, such as credit unions, credit unions, the Shoko Chukin Bank, and agricultural, forestry and fishery cooperatives (excluding securities companies). In the above process, a "bank account" can be read as a "financial institution account" that is an account at various financial institutions, and a bank account is an example of a financial institution account.

[8. Securities server configuration example]
Next, an example of the securities server 200 will be described. FIG. 11 is a diagram showing a configuration example of the securities server 200. As shown in FIG. 11, the securities server 200 includes a communication section 210, a storage section 220, and a control section 230.

(Communication Department 210)
The communication unit 210 is realized by, for example, a NIC or the like. Further, the communication unit 210 is connected to the network N (see FIG. 6) by wire or wirelessly.

(Storage unit 220)
The storage unit 220 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as an HDD, an SSD, or an optical disk. As shown in FIG. 11, the storage unit 220 includes a securities account database 221 and a securities server information processing program 222.

(Securities account database 221)
The securities account database 221 is a database regarding user U's securities account. For example, the securities account database 221 includes information regarding the securities account of the user U (e.g., user U's identification information) and information on securities held by the user U (e.g., the user U's identification information). Information indicating the brand and quantity of securities held by User U) and information indicating the amount deposited into User U's securities account (for example, the amount received from the sale of securities owned by User U) are registered in association. has been done. Note that any other information related to the securities account of user U may be registered in the securities account database 221. Further, the securities account database 221 registers various publicly known information necessary for realizing a securities account related to securities.

(Information processing program for securities server)
The securities server information processing program 222 is a program for causing the securities server 200 to execute various processes. The securities server 200 operates as a receiving section 231, a detecting section 232, and a deposit processing section 233, which will be described later, by executing the securities server information processing program 222. In addition to the securities server information processing program 222, the securities server 200 may hold and execute programs for realizing various known operations as the securities server 200.

(Control unit 230)
The control unit 230 is a controller, and controls the securities server 200 using, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), or an FPGA (Field Programmable Gate Array). This is realized by executing various programs (corresponding to an example of an information processing program) stored in an internal storage device using a storage area such as a RAM as a work area. In the example shown in FIG. 11, the control section 230 operates as a receiving section 231, a detecting section 232, and a deposit processing section 233.

The receiving unit 231 receives, from the payment server 100, billing information including the identification information of the user U and the charge amount of electronic money to the electronic money account of the user U. In such a case, the receiving unit 321 stores the received billing information in the storage unit 220.

The detection unit 232 detects the arrival of money into the securities account of the user U according to the identification information of the user U included in the billing information stored by the reception unit 231. For example, the detection unit 232 refers to the securities account database 221 and the billing information, and if money arrives in the securities account of the user U, the detection unit 232 determines whether the deposit corresponds to the billing information. , if the deposit corresponds to the billing information, it is assumed that deposit to the securities account of the user U has been detected.

When the deposit processing unit 233 detects that the money has arrived in the securities account of the user U, the deposit processing unit 233 transfers the charge amount included in the stored billing information from the securities account of the user where the deposit has been detected to the financial institution of the payment service provider. Deposit money into your account. For example, the deposit processing unit 233 subtracts the charge amount from the securities account of the user U, and transfers the amount to a predetermined financial institution server so that the corresponding amount is deposited into the financial institution account of the payment service provider. Request execution of processing. Furthermore, along with the execution of this transfer process, the deposit processing unit 233 executes a process of transmitting a notification to the effect that the payment has been made to the payment server 100 via the communication unit 210.

Note that the securities server 200 may execute the following process in addition to the process described above. For example, the upper limit of the amount of securities that user U can specify at the time of sale is an amount that corresponds to the quantity of financial products owned by the user. For example, when the market opens, the amount corresponding to the quantity of the financial product changes depending on the stock price, standard price, etc. at that time. For this reason, the securities server 200 manages the information on the securities owned by the user U, calculates the upper limit of the amount that the user can set based on this, and sets the upper limit of the calculated amount to the terminal device at any time. 10 or the payment server 100.

Furthermore, when a financial product is sold, the securities server 200 executes a process to transfer the quantity of the sold financial product from the user's ownership to the securities company's ownership based on the information related to the ownership of the financial product. Good too.

[9. Hardware configuration]
Further, the terminal device 10, payment server 100, and securities server 200 according to the embodiments described above are realized by, for example, a computer 1000 having a configuration as shown in FIG. 12. The payment server 100 will be described below as an example. FIG. 12 is a diagram showing an example of the hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are connected to a bus. 1090.

The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The arithmetic device 1030 is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used by the calculation device 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, and includes a ROM (Read Only Memory), an HDD (Hard Disk Drive), and an SSD (Solid Disk Drive). This is realized using flash memory, etc. The secondary storage device 1050 may be a built-in storage or an external storage. Further, the secondary storage device 1050 may be a removable storage medium such as a USB (Universal Serial Bus) memory or an SD (Secure Digital) memory card. Further, the secondary storage device 1050 may be a cloud storage (online storage), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a display, a projector, and a printer. (Digital Visual Interface) and HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input I/F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, keypad, button, scanner, etc., and is realized by, for example, a USB or the like.

Further, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, output device 1010 and input device 1020 may be wireless devices.

Moreover, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated as an input/output I/F.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

Network I/F 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

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

For example, when the computer 1000 functions as the payment server 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 130 by executing a program loaded onto the primary storage device 1040. Further, the arithmetic device 1030 of the computer 1000 may load a program obtained from another device via the network I/F 1080 onto the primary storage device 1040, and execute the loaded program. Furthermore, the arithmetic unit 1030 of the computer 1000 may cooperate with other devices via the network I/F 1080, and may call and use program functions, data, etc. from other programs of other devices.

[10. others〕
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Furthermore, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those that are in a so-called equivalent range. Furthermore, the aforementioned components can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of the constituent elements can be made without departing from the gist of the embodiments described above.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of this can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

For example, the above-mentioned payment server 100 may be realized by a plurality of server computers, and depending on the function, it may be realized by calling an external platform etc. using an API (Application Programming Interface), network computing, etc. Can be changed flexibly.

Furthermore, the above-described embodiments and modifications can be combined as appropriate within a range that does not conflict with the processing contents.

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

1 Information processing system 10 Terminal device 100 Payment server 110 Communication unit 120 Storage unit 121 Transaction information database 130 Control unit 131 Acquisition unit 132 Reception unit 133 Charge processing unit 134 Payment request unit 135 Payment receipt unit 200 Securities server

Claims (3)

When an instruction to sell a financial product is received from a user who owns a financial product, the payment server of the payment service provider, on the day the user gives the instruction to sell the financial product, Sending information regarding the proceeds from the sale of the financial product to a payment server that charges the user's electronic money account in a payment service provided by the payment service provider with electronic money in an amount based on the proceeds from the sale of the financial product; An information processing device characterized by: An information processing method executed by an information processing device, the method comprising:
When an instruction to sell a financial product is received from a user who owns a financial product, the payment server of the payment service provider, on the day the user gives the instruction to sell the financial product, Sending information regarding the proceeds from the sale of the financial product to a payment server that charges the user's electronic money account in a payment service provided by the payment service provider with electronic money in an amount based on the proceeds from the sale of the financial product; An information processing method characterized by: When an instruction to sell a financial product is received from a user who owns a financial product, the payment server of the payment service provider, on the day the user gives the instruction to sell the financial product, Sending information regarding the proceeds from the sale of the financial product to a payment server that charges the user's electronic money account in a payment service provided by the payment service provider with electronic money in an amount based on the proceeds from the sale of the financial product; An information processing program that causes a computer to execute a procedure.

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