JP7164744B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to support efficient reuse of proceeds generated by settlement by an electronic settlement service. An information processing apparatus according to the present application manages corporate accounts individually assigned to service users. The information processing device also has a sales processing unit that processes an amount corresponding to the sales generated in the settlement process for the service user as a money balance linked to the corporate account in accordance with a request from the service user. [Selection drawing] Fig. 2

Description

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

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

In addition, at member stores that introduce the above-mentioned electronic payment service, sales generated from payments made using this electronic payment service are usually transferred to the store's bank account. For example, a scheme has been proposed in which, when a user makes a payment with electronic money, the money is deposited into an account of a member store in response to a monetization request from the member store.

JP 2018-18115 A

However, the conventional technology cannot support efficient reuse of sales proceeds when a member store desires to reuse sales proceeds generated by settlement through an electronic payment service. For example, the sales proceeds of the affiliated store are transferred to the bank account of the affiliated store according to the cycle predetermined by the payment service provider. For this reason, it will take some time before the member store can freely use the proceeds generated by the payment made using the electronic payment service as its own funds. In addition, when using the sales proceeds transferred to a bank account to transfer a predetermined fee, or when transferring money as a source of electronic money, a predetermined fee may be charged.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can support efficient reuse of proceeds generated by settlement by electronic settlement services. and

An information processing apparatus according to the present application manages corporate accounts individually assigned to service users. In addition, the information processing device, in accordance with a request from the service user, processes electronic money equivalent to at least part of the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account. have a part.

According to one aspect of the embodiment, there is an effect that it is possible to support efficient reuse of proceeds generated by payment by an electronic payment service.

FIG. 1 is a diagram showing an overview of information processing according to this embodiment. FIG. 2 is a block diagram showing a configuration example of the information processing apparatus according to this embodiment. FIG. 3 is a diagram showing an outline of business operator information stored in the business operator information storage unit according to the present embodiment. FIG. 4 is a diagram showing an overview of information on the method of receiving sales proceeds stored in the sales receipt method storage unit according to the present embodiment. FIG. 5 is a diagram showing an overview of information indicating the balance history of the main wallet according to this embodiment. FIG. 6 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. FIG. 7 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to this embodiment or a modified example.

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

[1. Example of information processing according to the present embodiment]
An example of information processing according to this embodiment will be described below with reference to FIG. FIG. 1 is a diagram showing an overview of information processing according to this embodiment.

As shown in FIG. 1, the information processing system SYS according to this embodiment includes a terminal device 10 and an information processing device 100 . Note that FIG. 1 shows an example of the information processing system SYS according to the present embodiment, and other terminal devices not shown in FIG. 1 may be included.

The terminal device 10 and the information processing device 100 are wired or wirelessly connected to a network N (see FIG. 2, for example). The terminal device 10 and the information processing device 100 can communicate with each other through the network N. FIG.

A terminal device 10 shown in FIG. 1 is an information processing terminal used by a user Y who is a user of an electronic payment service provided by an information processing device 100 . A typical example of the terminal device 10 is a smartphone, but it may also be realized by a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. . In the example of FIG. 1 , a smart phone is shown as the terminal device 10 . In the following description, the terminal device 10 may be referred to as user Y in some cases. That is, the user Y can be read as the terminal device 10 . Also, in the following description, the user of the electronic payment service provided by the information processing apparatus 100 may be simply referred to as "user".

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local Area Network) for connecting to a network N via short-range wireless communication. Thereby, the user Y can operate the terminal device 10 to access the information processing device 100 and use the electronic payment service provided by the information processing device 100 .

In addition, the terminal device 10 can display information for using the electronic payment service provided by the information processing device 100 using a web browser or an application. At this time, when the terminal device 10 receives from the information processing device 100 control information for realizing information display processing by a web browser, an application, or the like, the terminal device 10 realizes display processing according to the received control information.

The information processing apparatus 100 shown in FIG. 1 provides the user Y with an electronic payment service. The information processing device 100 is typically a server device, but may be realized by a mainframe, workstation, or the like. When the information processing apparatus 100 is realized by a server device, it may be realized by a single server, or may be realized by a cloud system or the like in which a plurality of server devices and a plurality of storage devices operate in cooperation.

Note that the information processing device 100 may function as a distribution device that distributes control information to the terminal device 10 that the user Y uses. Here, the control information is described, for example, in a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the information processing apparatus 100 may be regarded as control information.

Here, an example of payment (electronic payment) using the terminal device 10 will be described prior to the information processing according to the embodiment. In the following description, the two-dimensional code (QR code (registered trademark)) placed at the store Xa, which is a member store of the electronic payment service, is a two-dimensional code Q indicating store identification information for identifying the store Xa. , an example in which user Y makes a payment using the terminal device 10 will be described, but the embodiment is not limited to this. An example of payment described below can be applied when any user uses any terminal device to make payment at any store. The store identification information may be not only a QR code (registered trademark), but also a bar code, a predetermined mark, a number, or the like.

For example, when user Y makes a payment accompanying the use or purchase of a payment target (transaction target) such as various products and services at store Xa, user Y uses a payment application (payment application) installed in terminal device 10 . ). Then, the user Y photographs the shop identification information installed at the shop Xa via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user Y or the store clerk at the store Xa. Then, the terminal device 10 receives user identification information for identifying the user Y, store identification information (or information indicated by the store identification information, that is, information indicating the store Xa (for example, store ID)), and a payment amount. to the information processing apparatus 100.

In such a case, the information processing apparatus 100 transfers the amount of electronic money indicated by the payment amount from the account of user Y indicated by the user identification information to the account of store Xa indicated by the store identification information. Then, the information processing device 100 transmits to the terminal device 10 a notification that the payment has been completed. In such a case, the terminal device 10 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed. The electronic money transferred to the account of the store Xa is transferred to the bank account linked to the store Xa or the business operator that operates the store Xa according to the cycle predetermined by the settlement company or according to the request from the store Xa.

Note that the settlement using the terminal device 10 is not limited to the processing described above. For example, settlement using the terminal device 10 may be made using a store terminal installed at the store Xa. For example, the terminal device 10 displays user identification information for identifying user Y on the screen. In such a case, the store terminal installed at the store Xa reads the user identification information displayed on the terminal device 10, and indicates the user identification information (or information indicated by the user identification information, that is, user Y). Payment information indicating information (for example, user ID), payment amount, and information identifying the store Xa is transmitted to the information processing apparatus 100 . In such a case, the information processing apparatus 100 transfers the amount of electronic money indicated by the settlement amount from the account of the user Y indicated by the user identification information to the account of the store Xa, and transfers the electronic money to the store terminal or terminal device of the store Xa. 10 may be notified that the payment has been made by outputting a screen or a predetermined voice indicating that the payment has been completed.

The settlement using the terminal device 10 includes not only the process of transferring electronic money from the account charged with electronic money by the user Y in advance to the account of the store Xa, but also the use of a credit card registered in advance by the user Y, for example. It may be a payment made by In such a case, for example, the terminal device 10 may transfer electronic money for the settlement amount to the account of the store Xa, and may charge the operating company of user Y's credit card for the settlement amount.

It should be noted that the payment means and payment services described above are not limited to those for the provision of compensation for the purchase of goods or the provision of services (settlement of obligations). For example, as described above, the payment means or payment service may have functions related to remittances between accounts owned by multiple users. That is, the payment means and payment service described above may be any service that controls transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. In other words, the settlement means and settlement service according to the embodiments are not limited to various controls for realizing exchange of electronic money (control of various inter-account remittances via electronic money, but also controls for exchange between an electronic money account and a bank account). Various types of credit processing such as control, division, processing accompanying bonus payments, and other various types of control related to the exchange of property including electronic money) can be provided in any form. good too. In addition, various controls realized by such transaction means and transaction services may include both control related to settlement and control related to remittance. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the information processing device 100 may be an information processing device that realizes transaction means for controlling the exchange of electronic money between arbitrary owners.

Further, the information processing apparatus 100 shown in FIG. 1 provides a corporate account service for corporations. The corporate account service is used when using various services related to domestic exchange transactions for corporations. In the corporate account service, the corporate account provided from the information processing device 100 to the business operator X includes a main wallet and a sub-wallet.

The main wallet is linked to a financial institution account designated by business operator X in advance. For example, business operator X can deposit funds for various services through this main wallet. For example, the business operator X makes a payment to a Yes Time account designated in advance by the information processing device 100 by bank transfer. Funds deposited into the one-time account are added to the balance of the main wallet held by the corporate account of business operator X through the deposit system. Although not shown in FIG. 1, business operator X can also receive payment of remaining funds that have not been allocated to various service transactions through this main wallet. In addition, the sub-wallet is linked to various services that the business operator X pre-registers for use. In the example shown in FIG. 1, it is associated with a money transfer system that transfers money to another user account. For example, from the main wallet, an amount equivalent to the amount of remittance to another user account is added to the balance of the sub-wallet, and remitted to the other user account through the remittance system.

The information processing apparatus 100 according to the present embodiment uses the information processing described below to allow the affiliated store of the electronic payment service to transfer the sales generated by the payment by the electronic payment service to the service by the remittance system shown in FIG. 1, for example. As a source of funds for various services such as the above, it is possible to transfer and use easily in a shorter cycle than before. In the following explanation, Business Operator X signs a contract as a member store of the electronic payment service and a contract to use the corporate account service with a business operator that operates the electronic payment service and the corporate account service. It is assumed that In other words, it can be said that business operator X is a service user who has a predetermined contractual relationship with a business operator who operates an electronic payment service and a corporate account service.

For example, the user Y operates the terminal device 10 to read the two-dimensional code Q installed at the store Xa, and transmits to the information processing device 100 a payment request for electronic payment described above.

The information processing device 100 executes payment processing for processing the payment request received from the user Y (step S1). The information processing apparatus 100 has an electronic payment service sales proceeds wallet that temporarily stores the sales proceeds resulting from payment processing. For example, electronic payment service proceeds wallets are managed for each store that is a member store of the electronic payment service.

Next, the information processing apparatus 100 executes a sales process of processing an amount corresponding to at least part of the sales generated by the payment process as a money balance linked to the corporate account (step S2). The sales processing can be executed at a predetermined timing designated by the business operator X in advance, such as closing by date or closing by month.

Specifically, the information processing apparatus 100 has a sales receipt method storage unit that stores information on the method of receiving sales proceeds preset by the business operator X. FIG. The information processing apparatus 100 accepts sales proceeds as a receiving method in the case where a business operator X who has concluded a member store contract as a member store of an electronic payment service has concluded a use contract for a corporate account service under the same corporate name. A selection of cash or electronic money can be accepted from the operator X. In addition, for example, when electronic money is selected as the method of receiving the proceeds, the information processing apparatus 100 may further receive the setting of the amount to be received as electronic money. In this case, the information processing apparatus 100 subtracts the amount corresponding to the amount received as electronic money from the sales proceeds, and settles the remaining sales proceeds as cash. Further, for example, when the business operator X operates a plurality of stores, the information processing apparatus 100 may receive the setting of the receiving method for each store.

Then, the information processing apparatus 100 confirms the receipt method of the sales proceeds for the store Xa based on the store identification information included in the settlement information received from the user Y, and performs sales processing according to the confirmed receipt method. In the case shown in FIG. 1, the information processing apparatus 100 adds an amount corresponding to the sales proceeds to the balance of the main wallet when electronic money is set as the method for receiving sales proceeds from the store Xa. In addition, when cash is set as the method of receiving sales proceeds from the store Xa, the information processing apparatus 100 pays out an amount corresponding to the sales proceeds to a financial institution account designated by the business operator X in advance. In addition, in FIG. 1, the financial institution account to be the payout destination may be another financial institution account designated by the business operator X.

As described above, the information processing apparatus 100 according to the present embodiment can add the proceeds generated by the electronic settlement service to the balance of the main wallet instead of withdrawing them to the account of the financial institution as in the past. As a result, the business operator X, who is the service user, can use the proceeds generated by the payment by the electronic payment service as funds for various services in a shorter cycle than in the past, and to use them easily by transfer. In this manner, the information processing apparatus 100 according to the present embodiment can support efficient reuse of proceeds generated by payment by the electronic payment service.

Further, the information processing apparatus 100 according to the present embodiment can provide the wallet balance history to the service user. For example, in the case shown in FIG. 1, the information processing device 100 has a balance history storage unit that records information indicating the balance history of the main wallet for each user of the corporate account service, including the business operator X. Then, the information processing device 100 can provide the business operator X with information indicating the balance history stored in the balance history storage unit in response to a request from the business operator X. FIG. For example, the information processing device 100 can provide the business operator with information indicating the balance history corresponding to the period specified by the business operator. As a result, the information processing apparatus 100 according to the present embodiment can assist the confirmation work when, for example, the business operator X tries to confirm the flow of sales proceeds added to the balance of the main wallet after the fact.

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

As shown in FIG. 2, the information processing apparatus 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information to and from the terminal device 10 via the network N. FIG. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The network N is a WAN (Wide Area Network) such as the Internet. Note that the network N may include a communication network such as a LAN (Local Area Network), a telephone network (for example, a mobile telephone network, a fixed telephone network, etc.), a regional IP (Internet Protocol) network, or the like. Also, the network N may include a wired network or a wireless network.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . Storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 3 , the storage unit 120 has a business operator information storage unit 121 , a sales receipt method storage unit 122 and a balance history storage unit 123 .

(Regarding the business operator information storage unit 121)
The business operator information storage unit 121 stores business operator information relating to business operators that use the corporate account service. FIG. 3 is a diagram showing an outline of business operator information stored in the business operator information storage unit according to the present embodiment. FIG. 3 shows an example of business operator information according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 3, the business operator information stored in the business operator information storage unit 121 includes an item of "business ID", an item of "corporation account ID", an item of "wallet", an item of "financial institution It has a plurality of items such as an item of "account". These items included in the business operator information are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. A corporate account ID, which is identification information for identifying a corporate account, is stored in the “corporation account ID” item.

The "wallet" item includes multiple items such as the "main wallet" item, the "sub-wallet 1" item, the "sub-wallet 2" item, and the "sub-wallet 3" item. there is

The "main wallet" item stores a main wallet ID, which is identification information for identifying the main wallet, and information on the money balance registered in the main wallet.

Items such as "sub-wallet 1" to "sub-wallet 3" store the sub-wallet ID, which is identification information for identifying the sub-wallet, and the money balance information registered in the sub-wallet.

The “financial institution account” item stores an account number indicating an account of a financial institution linked to the main wallet. This account number is used as the payment destination for the main wallet balance.

(Regarding the sales receipt method storage unit 122)
The sales receipt method storage unit 122 stores information on the method of receiving sales proceeds preset by the business. FIG. 4 is a diagram showing an overview of information on the method of receiving sales proceeds stored in the sales receipt method storage unit according to the present embodiment. It should be noted that FIG. 4 shows an example of information relating to the method of receiving sales proceeds according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 4, the information related to the method of receiving the sales proceeds stored in the sales receipt method storage unit 122 includes items such as the item of "enterprise ID", the item of "store ID", and the item of "method of receipt". Has multiple items. These items included in the information on how to receive the proceeds are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. The item "store ID" stores store D, which is identification information for identifying a store operated by a business operator. The item "receipt method" stores information indicating the method of receiving the proceeds selected by the business.

According to FIG. 4, the business operator identified by business operator ID: "business operator #001" receives sales proceeds from the shop identified by shop ID: "shop #001-1" among the shops it operates. It is indicated that "electronic money" is selected as the method.

In addition, the sales receipt method storage unit 122 may further store information indicating the timing of executing the sales process. In addition, if both electronic money and cash can be selected as the method of receiving the proceeds, the sales receipt method storage unit 122 may store the receipt amount received as electronic money or the receipt amount received as cash. In addition, when both electronic money and cash can be selected as the method of receiving the proceeds, the sales receipt method storage unit 122 stores the percentage of receipt in electronic money and the percentage in cash instead of storing the respective receipt amounts. You may memorize|store the receiving rate which receives.

(Regarding balance history storage unit 123)
The balance history storage unit 123 stores information indicating the balance history of the main wallet. FIG. 5 is a diagram showing an overview of information indicating the balance history of the main wallet according to this embodiment. Note that FIG. 5 shows an example of information indicating the balance history according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 5, the information indicating the balance history stored in the balance history storage unit 123 includes items such as "enterprise ID", "date", "summary", and "deposit". It has a plurality of items such as an item, a "withdrawal" item, and a "money balance" item. These items included in the information indicating the balance history are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. The “date” field stores information indicating the date on which transactions such as deposits to the main wallet (addition of balance) and withdrawals from the main wallet (subtraction of balance) were performed. Information indicating the details of the transaction with respect to the main wallet is stored in the "description" item.

Information indicating the amount of money deposited into the main wallet is stored in the "deposit" item. The "withdrawal" item stores information indicating the amount of money withdrawn from the main wallet. Information indicating the balance of the main wallet is stored in the "money balance" item.

The information processing device 100 can provide the balance history of the main wallet in response to a request from the business operator. For example, the information processing device 100 can acquire information corresponding to a period specified by the business operator from the balance history storage unit 123 and provide the acquired information to the business operator. The information provided by the information processing device 100 to the business operator may be information about all the items included in the information indicating the balance history, or information about any one of these items. may The information processing apparatus 100 may receive selection of items desired to be provided from the business operator.

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

As shown in FIG. 2 , the control unit 130 has a reception unit 131 , a settlement processing unit 132 and a sales processing unit 133 . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG.

(Regarding the reception unit 131)
The accepting unit 131 accepts a selection of cash or electronic money from the service user (for example, the business operator X shown in FIG. 1) as a method of receiving the proceeds. Further, when electronic money is selected as the receiving method, the receiving unit 131 can further receive the setting of the amount to be received as electronic money.

(Regarding the payment processing unit 132)
The payment processing unit 132 executes payment processing for processing payment requests for electronic payment services. The payment processing unit 132, for example, is a two-dimensional code placed in a shop that is a member shop of the electronic payment service, and is transmitted from the terminal device 10 that reads the two-dimensional code Q indicating shop identification information for identifying the shop. process payment requests; The payment processing unit 132 has an electronic payment service sales proceeds wallet that temporarily stores the sales proceeds resulting from the payment processing. For example, electronic payment service proceeds wallets are managed for each store that is a member store of the electronic payment service. The settlement processing unit 132, for example, at a predetermined timing, transfers information on the sales amount to the sales processing unit 133 for each store (store identification information).

(Regarding the sales processing unit 133)
According to a request from the service user, the sales processing unit 133 processes an amount corresponding to at least a part of the sales generated by the settlement process for the service user as a money balance linked to the corporate account. The sales processing unit 133 can be executed at a predetermined timing specified in advance by the business operator X, such as closing by day or closing by month.

For example, when the sales processing unit 133 receives the sales information from the payment processing unit 132, the sales processing unit 133 refers to the information on the sales receipt method stored in the sales receipt method storage unit 122, and checks the information included in the sales information. Confirm the receipt method corresponding to the store identification information provided, and perform sales processing according to the confirmed receipt method. Specifically, when electronic money is set as the method of receiving sales proceeds, the sales processing unit 133 transfers an amount equivalent to the sales proceeds to the corresponding business operator (the store identified by the store identification information). It is added to the main wallet as the balance of electronic money managed in association with the corporate account owned by the business operator). In addition, as a specific example of the method of adding to the balance of the main wallet, a method of depositing cash equivalent to the sales proceeds into a one-time account linked to the corporate account of business operator X and adding it to the balance of the main wallet Alternatively, a method of transferring cash directly from the bank account managed by the payment service to the bank account managed by the subsidiary account service and adding the balance to the main wallet may be used. In addition, when cash is set as the method of receiving sales proceeds, the sales processing unit 133 determines that the corresponding business operator (the business operator that operates the store identified by the store identification information) receives the amount equivalent to the sales proceeds. Payment is made to a financial institution account designated in advance.

Further, when the sales receipt method storage unit 122 sets electronic money as the method of receiving sales and sets the amount of money to be received as electronic money, the sales processing unit 133 receives electronic money corresponding to the amount of money to be received. , can be added to the balance of the main wallet of the corporate account owned by the corresponding business operator (the business operator that operates the store identified by the store identification information).

[3. Processing procedure]
Next, an example of a processing procedure by the information processing apparatus 100 according to this embodiment will be described with reference to FIG. FIG. 6 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the information processing apparatus 100 .

As shown in FIG. 6, when the sales processing unit 133 receives the sales information from the payment processing unit 132, the sales processing unit 133 refers to the sales receipt method storage unit 122 to match the store identification information included in the sales information. Confirm the receiving method (step S101).

Then, when the method of receiving the proceeds is electronic money, the sales processing unit 133 adds the amount equivalent to the proceeds to the wallet of the corresponding business operator (step S102), and performs the processing procedure shown in FIG. finish. That is, the sales processing unit 133 adds electronic money corresponding to the sales to the balance of the main wallet of the corporate account owned by the business operator that operates the store identified by the store identification information included in the sales information.

Then, when the method of receiving the sales proceeds is cash, the sales processing unit 133 pays out the amount corresponding to the sales proceeds to the financial institution account designated by the corresponding business operator (step S103). exit. That is, the sales processing unit 133 remits the sales proceeds to a financial institution account designated by the business operator that operates the store identified by the store identification information included in the sales proceeds information.

[4. Modification]
The embodiment described above is an example of information processing according to the embodiment, and various modifications and applications are possible.

(4-1. Receive part of the sales proceeds as electronic money)
For example, in the example of the information processing described above, the information processing apparatus 100 may perform sales processing so that the business can receive at least part of the proceeds as electronic money. In this case, for example, the information processing apparatus 100 accepts from the business operator the setting of the amount to be received as electronic money out of the sales proceeds, and registers information on the amount to be received in the sales receipt method storage unit 122 in association with the business operator. Keep The sales processing unit 133 refers to the sales receipt method storage unit 122 to confirm the amount of money to be received as electronic money. Then, the sales processing unit 133 refers to the sales receipt method storage unit 122 and uses the amount equivalent to the amount of receipt confirmed as the balance of electronic money managed in association with the corporate account of the corresponding business operator as the balance of the main wallet. Add the amount, and pay out the remainder in cash to the financial institution account designated by the business operator. In addition, the specific method of adding to the balance of the main wallet may be a method of depositing cash equivalent to the received amount into a one-time account linked to the corporate account of business operator X and adding it to the balance of the main wallet. Alternatively, cash may be transferred directly from the bank account managed by the payment service to the bank account managed by the subsidiary account service, and added to the balance of the main wallet.

(4-2. Determining where to transfer sales proceeds)
For example, in the example of the information processing described above, the information processing apparatus 100 may inquire of the business operator whether or not to add electronic money equivalent to the proceeds to the balance of the main wallet. In this case, the information processing apparatus 100 may acquire in advance from the business operator criteria for determining whether or not to make an inquiry to the business operator. An example of the criteria for determination is when sales reach a certain amount.

Further, the information processing apparatus 100 may actively determine whether or not to add electronic money corresponding to the proceeds to the balance of the main wallet. In this case, the information processing device 100 can acquire in advance from the business operator the determination criteria for adding the proceeds to the balance of the main wallet. An example of the judgment criteria is the case where there is an unappropriated charge instruction transaction. In other words, for example, in a corporate account service that is used by business operator X who is a service user after concluding a contract, the corporate account service receives a charge instruction from this business operator X to another account, and the charge instruction transaction is executed. This is the case where the amount has not been appropriated due to insufficient balance in the corporate account of business operator X.

(4-3. Collection of service usage fee)
For example, in one example of the information processing described above, the information processing device 100 may collect a service usage fee (commission) when the proceeds are paid out to the account of the financial institution and added to the balance of the main wallet. The service usage fee may be a uniform amount for each service user, or may be an amount obtained by multiplying the paid and added amount by a predetermined collection rate (%). In the case of paying out to a financial institution account, the deposit fee to be paid to the financial institution at the time of paying out to the financial institution may be used. Also, at that time, the service fee to be added to the balance of the corporate account may be set lower than the deposit fee to be paid out to the account of the financial institution. As a result, the service provider can expect the effect of promoting the use of the service.

(4-4. Provision of processing history of sales processing)
For example, in the above-described information processing, the information processing apparatus 100 provides the processing history of sales processing so that, for example, the business operator X who is the service user can refer to the processing history of sales processing as necessary. good too. For example, the sales processing unit 133, in response to a request from business operator X, provides information indicating the date and time of processing, information indicating whether payment was made to a bank account or addition to the balance of the corporate account service, and the amount of payment. can be provided as a processing history of sales processing.

[5. Hardware configuration]
Also, the information processing apparatus 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 7 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to this embodiment or a modified example.

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

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

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

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

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

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

For example, when the computer 1000 functions as the information processing device 100 according to the present embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to A function similar to that of the control unit 330 is realized. That is, the arithmetic device 1030 realizes the processing by the information processing device 100 according to this embodiment in cooperation with the program (for example, the information processing program) loaded on the primary storage device 1040 .

Further, when the computer 1000 functions as the information processing device 100 according to the modification, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to perform control. A function similar to that of the unit 430 is realized. That is, arithmetic device 1030 implements processing by information processing device 100 according to the modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

[6. effect〕
As described above, the information processing apparatus 100 according to the present embodiment associates electronic money corresponding to the proceeds generated in the settlement process for the service user with the corporate account in accordance with a request from the service user. It has a sales processing unit 133 that processes it as a money balance to be processed.

Also, the corporate account has a wallet (eg, main wallet) that is tied to the bank account owned by the service user. The information processing apparatus 100 further includes a reception unit 131 that receives a selection of cash or electronic money as a method of receiving the proceeds. When electronic money is selected as the receiving method, the sales processing unit 133 adds electronic money equivalent to the sales proceeds to the balance of the wallet.

Also, the sales processing unit 133 executes processing for sales proceeds at a predetermined timing.

In this way, the information processing apparatus 100 according to the present embodiment can add the proceeds generated by settlement by the electronic settlement service to the balance of the main wallet instead of withdrawing them to the account of the financial institution as in the past. As a result, business operators who are service users will be able to use the sales proceeds from payments made by the electronic payment service as funds for various services in a shorter cycle than in the past, and to use them simply by transfer. In this way, the information processing apparatus 100 according to the present embodiment efficiently uses the sales proceeds generated by the payment by the electronic payment service through the processing executed by the above-described units or any combination of the units. Can support reuse.

In addition, the sales processing unit 133 provides the wallet balance history to the service user. As a result, the information processing apparatus 100 according to the present embodiment can support the confirmation work, for example, when the business operator wants to confirm the flow of sales proceeds added to the balance of the main wallet after the fact.

Further, the reception unit 131 receives the selection of electronic money only when the service user has made a contract with the same business operator for the member store contract and the corporate account contract. As a result, the information processing apparatus 100 can smoothly perform sales processing for the service user to transfer the proceeds.

In addition, the reception unit 131 receives the amount of money received as electronic money out of the proceeds, and the sales processing unit 133 adds an amount corresponding to the amount of money received to the balance of the wallet. Accordingly, the information processing apparatus 100 can improve usability for service users.

Also, when there is a charge instruction transaction that has not been appropriated, the sales processing unit 131 adds an amount corresponding to the proceeds to the balance of the wallet. Thereby, the information processing apparatus 100 can reduce the trouble of the service user.

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

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

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

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

100 information processing device 110 communication unit 120 storage unit 121 business operator information storage unit 122 sales receipt method storage unit 123 balance history storage unit 130 control unit 131 reception unit 132 payment processing unit 133 sales processing unit

Claims (9)

An information processing device that manages corporate accounts individually allocated to service users,
a sales processing unit that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account;
a reception unit that receives a selection of cash or electronic money as a method of receiving the sales proceeds;
has
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing unit
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
The reception unit
if electronic money is selected as the receiving method, further receiving an amount received as electronic money out of the proceeds;
The sales processing unit
An information processing device , wherein an amount equivalent to the received amount is added as a balance of the wallet . The sales processing unit
2. The information processing apparatus according to claim 1, wherein the processing for the sales proceeds is executed at a predetermined timing. The sales processing unit
2. The information processing apparatus according to claim 1 , wherein said wallet balance history is provided to said service user. The reception unit
2. The information processing apparatus according to claim 1 , wherein the selection of electronic money is accepted only when the service user concludes a contract with the same corporation for the member store contract and the contract for using the corporate account. An information processing device that manages corporate accounts individually allocated to service users,
a sales processing unit that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account;
a reception unit that receives a selection of cash or electronic money as a method of receiving the sales proceeds;
has
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing unit
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
An information processing device, wherein an amount equivalent to the sales proceeds is added as a balance of the wallet when there is an unappropriated charge instruction transaction. An information processing method executed by a computer that manages corporate accounts individually allocated to service users,
a sales processing step of processing, in accordance with a request from the service user, an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account ;
a receiving step of receiving a selection of cash or electronic money as a method of receiving the proceeds;
including
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing step includes
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
The receiving step includes
if electronic money is selected as the receiving method, further receiving an amount received as electronic money out of the proceeds;
The sales processing step includes
Add the amount equivalent to the received amount as the balance of the wallet
An information processing method characterized by: on the computer that manages the corporate accounts individually allocated to service users,
a sales processing procedure for processing, in accordance with a request from the service user, an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account ;
a reception procedure for receiving a selection of cash or electronic money as a method of receiving the sales proceeds;
and
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing procedure includes:
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
The reception procedure includes:
if electronic money is selected as the receiving method, further receiving an amount received as electronic money out of the proceeds;
The sales processing procedure includes:
An information processing program, characterized in that an amount corresponding to the received amount is added as a balance of the wallet . An information processing method executed by a computer that manages corporate accounts individually allocated to service users,
a sales processing step of processing, in accordance with a request from the service user, an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account;
a receiving step of receiving a selection of cash or electronic money as a method of receiving the proceeds;
including
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing step includes
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
If there is an unappropriated charge instruction transaction, the amount equivalent to the sales proceeds is added to the balance of the wallet
An information processing method characterized by: on the computer that manages the corporate account that is individually allocated to the service user,
a sales processing procedure for processing, in accordance with a request from the service user, an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account;
a reception procedure for receiving a selection of cash or electronic money as a method of receiving the sales proceeds;
and
Said corporate account is
Having a wallet linked to a bank account owned by the service user,
The sales processing procedure includes:
if electronic money is selected as the receiving method, adding an amount equivalent to the proceeds to the balance of the wallet;
If there is an unappropriated charge instruction transaction, the amount equivalent to the sales proceeds is added to the balance of the wallet
An information processing program characterized by:

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