JP7185083B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to efficiently execute processing of services related to digital money. An information processing apparatus according to the present application manages corporate accounts individually assigned to service users. The information processing device 100 also includes a distribution processing unit, a settlement processing unit, and a remittance processing unit. Based on the request identification information included in the processing request from the user, the distribution processing unit distributes the processing based on the processing request to either the payment processing or the remittance processing. If the payment processing unit is assigned to the payment processing, the electronic money equivalent to the payment amount included in the processing request will be added to the balance of the wallet linked to the service corresponding to the payment processing as the sales proceeds of the service user. do. The remittance processing unit adds an amount of electronic money equivalent to the remittance amount included in the remittance processing request to the balance of the wallet associated with the corporate account as the service user's receipt. [Selection drawing] Fig. 4

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, conventional techniques have room for improvement in efficiently performing processing of services related to digital money.

The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program capable of efficiently executing service processing related to digital money.

An information processing apparatus according to the present application manages corporate accounts individually assigned to service users. The information processing device 100 also includes a distribution processing unit, a settlement processing unit, and a remittance processing unit. Based on the request identification information included in the processing request from the user, the distribution processing unit distributes the processing based on the processing request to either the payment processing or the remittance processing. If the payment processing unit is assigned to the payment processing, the electronic money equivalent to the payment amount included in the processing request will be added to the balance of the wallet linked to the service corresponding to the payment processing as the sales proceeds of the service user. do. The remittance processing unit adds an amount of electronic money equivalent to the remittance amount included in the remittance processing request to the balance of the wallet associated with the corporate account as the service user's receipt.

According to one aspect of the embodiment, there is an effect that processing of services related to digital money can be executed efficiently.

FIG. 1 is a diagram showing an overview of information processing according to this embodiment. FIG. 2 is an explanatory diagram for explaining the details of the payment processing according to this embodiment. FIG. 3 is an explanatory diagram for explaining the details of the remittance process according to this embodiment. FIG. 4 is a block diagram showing a configuration example of an information processing apparatus according to this embodiment. FIG. 5 is a diagram showing an outline of usage service information according to the present embodiment. FIG. 6 is a diagram showing an overview of payment compatible wallet information according to this embodiment. FIG. 7 is a diagram showing an overview of information on corporate accounts according to the present embodiment. FIG. 8 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device 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.

Terminal terminal 10 and information processing apparatus 100 are connected to network N (see FIG. 2, for example) by wire or wirelessly. 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, a two-dimensional code (QR code (registered trademark)) placed at a store that is a member store of an electronic payment service and indicating store identification information for identifying the store is used. , an example in which the user 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 a user uses or purchases a payment target (transaction target) such as various products and services at a store, the user activates a payment application (payment application) installed on the terminal device 10. do. Then, the user captures 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 settled, and accepts the input of the payment amount from the user or store clerk. Then, the terminal device 10 indicates user identification information for identifying the user, store identification information (or information indicated by the store identification information, that is, information indicating the store (e.g., store ID)), and settlement amount. The payment information is transmitted to the information processing device 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 user Y indicated by the user identification information to the account of the store 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.

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 in the store. For example, the terminal device 10 displays user identification information for identifying the user 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 information indicated by the user identification information, that is, information indicating user Y). (for example, user ID)), the payment amount, and information identifying the store are transmitted to the information processing apparatus 100 . In such a case, the information processing device 100 transfers the amount of electronic money indicated by the settlement amount from the account of the user 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. Alternatively, the completion of the payment may be notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

The settlement using the terminal device 10 is not only the process of transferring electronic money from an account charged with electronic money in advance by the user to the account of the store, but also settlement using a credit card registered in advance by the user, for example. There may be. In such a case, for example, the terminal device 10 may transfer electronic money for the settlement amount to the account of the store, and may request the settlement amount from the user's credit card operating company.

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, for example, a main wallet and a sub-wallet.

The main wallet is linked to a financial institution account designated in advance by the business operator. For example, through this main wallet, the business operator can deposit funds to be used for transactions of various services that the business operator pre-registers for use. In addition, for example, the business operator can also receive the payment of funds left over from transactions of various services through this main wallet. In addition, the sub-wallet is linked to various services registered in advance by the business operator. The balance transferred from the main wallet to the sub-wallet will be used for various service transactions.

As described below, the information processing apparatus 100 according to the present embodiment can efficiently execute service processing related to digital money such as electronic money by allocating processing requests from users to appropriate processing. The information processing according to the present embodiment will be specifically described below along the assumed flow when this information processing is performed. In the following explanation, Business Operator X concludes a merchant agreement as a member store of the electronic payment service with a business operator that operates the electronic payment service and the corporate account service, and is assumed to have been concluded. 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, user Y operates terminal device 10 to read two-dimensional code Q associated with business operator X, and transmits a processing request corresponding to two-dimensional code Q to information processing device 100 . The two-dimensional code Q shown in FIG. 1 is associated with either payment processing or remittance processing. The two-dimensional code Q is configured to be readable using the terminal device 10 when the user Y transmits a processing request. If the two-dimensional code Q is code information for the purpose of payment, it may be installed at a store that is a member store of an electronic payment service. Also, if the two-dimensional code Q is code information for the purpose of remittance, it may be placed on a predetermined website for fundraising such as crowdfunding. A processing request transmitted from the terminal device 10 to the information processing device 100 includes request identification information for specifying the processing content corresponding to the processing request. For example, the request identification information is pre-embedded inside the code when the two-dimensional code Q is written.

The information processing device 100 executes allocation processing for allocating the processing request received from the user Y to the payment processing or the remittance processing (step S1). For example, based on the request identification information included in the processing request from user Y, the information processing device 100 assigns the processing based on the processing request to either payment processing or remittance processing.

Further, when the processing request is assigned to the payment processing, the information processing device 100 executes the payment processing according to the contents of the processing request (step S2-1). When the payment processing is normally completed, the information processing device 100 receives electronic money equivalent to the payment amount through the payment service compatible wallet provided to the business operator X based on the conclusion of the member store contract for the electronic payment service. Accept deposits. Then, the information processing device 100 pays out the balance of the payment service compatible wallet to the financial institution account designated in advance by the business operator X as a transfer destination at a predetermined timing according to the member store contract.

Further, when the processing request is assigned to the remittance processing, the information processing device 100 executes the remittance processing according to the content of the processing request (step S2-2). When the remittance process is normally completed, the information processing device 100 accepts deposit of electronic money corresponding to the remittance amount through the remittance service sub-wallet linked to the corporate account of the business operator X. Then, the information processing device 100 adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet of the corporate account as the received money of the business operator X. Then, the information processing device 100 pays out the balance of the corporate wallet to a financial institution account designated in advance by the business operator X as a transfer destination at a predetermined timing according to the use contract of the corporate account service.

In this manner, the information processing apparatus 100 according to the present embodiment can allocate processing requests from user Y to appropriate processing, and can efficiently execute processing related to services related to digital money such as electronic money. Further, the information processing apparatus 100 according to the present embodiment can provide the user Y with a service of processing payment processing and remittance processing on the same platform.

Details of the payment processing and distribution processing according to the present embodiment will be specifically described below with reference to FIGS. 2 and 3. FIG. FIG. 2 is an explanatory diagram for explaining the details of the payment processing according to this embodiment. FIG. 3 is an explanatory diagram for explaining the details of the remittance process according to this embodiment.

First, with reference to FIG. 2, the contents of the payment processing according to this embodiment will be described. As shown in FIG. 2, the terminal device 10 reads the two-dimensional code Q1-1 (step S11) and transmits a processing request to the information processing device 100 (step S12). In the example shown in FIG. 2, the processing request transmitted from the terminal device 10 to the information processing device 100 by reading the two-dimensional code Q1-1 includes, for example, store identification information for specifying the store that is the member store. It is included.

When receiving the processing request from the terminal device 10, the information processing device 100 identifies whether the processing request is based on the two-dimensional code Q corresponding to payment or remittance (step S13). In the case shown in FIG. 2, the information processing apparatus 100 does not include a remittance identifier (an example of request identification information) indicating remittance processing in the processing request. 1 is determined to be the request. The remittance identifier is identification information indicating a code corresponding to remittance. The remittance identifier is not embedded in the code describing the two-dimensional code Q (for example, the two-dimensional code Q1-1 shown in FIG. 2) corresponding to settlement. Then, when the information processing apparatus 100 identifies that the processing request is based on the two-dimensional code Q1-1 corresponding to payment, the information processing apparatus 100 sends the terminal device 10, which is the transmission source of the processing request, a request corresponding to the shop identification information. The name of the store to be used is transmitted (step S14), and the information indicating the payment is linked to the payment application side of the terminal device 10.

When receiving the store name from the information processing device 100, the terminal device 10 displays a payment screen for settlement because the received information does not include the remittance identifier (step S15). On the payment screen for settlement, the user of the terminal device 10 inputs, for example, the settlement amount. Then, the terminal device 10 transmits a settlement instruction to the information processing device 100 according to the user's operation (step S16). The payment instruction includes, for example, user identification information indicating the sender of the payment instruction, shop identification information, and payment amount information.

When the information processing device 100 receives the payment instruction from the terminal device 10, the information processing device 100 executes subsequent processing of the payment because the received information does not include the remittance identifier. Subsequent processing of payment corresponds to, for example, the payment processing of step S2-1 shown in FIG.

Next, the details of the remittance process according to this embodiment will be described with reference to FIG. As shown in FIG. 3, the terminal device 10 reads the two-dimensional code Q1-2 (step S21) and transmits a processing request to the information processing device 100 (step S22). In the example shown in FIG. 3, the processing request transmitted from the terminal device 10 to the information processing device 100 by reading the two-dimensional code Q1-2 includes, for example, store identification information and a remittance identifier. The remittance identifier is embedded, for example, inside the code describing the two-dimensional code Q (for example, the two-dimensional code Q1-2 shown in FIG. 3) corresponding to the remittance.

When receiving the processing request from the terminal device 10, the information processing device 100 identifies whether the processing request is based on the two-dimensional code Q of settlement or remittance (step S23). In the case shown in FIG. 3, the information processing apparatus 100 determines that the processing request is based on the two-dimensional code Q1-2 corresponding to the remittance, because the remittance identifier indicating the remittance processing is included in the processing request. to decide. Then, when the information processing device 100 identifies that the processing request is a request associated with the two-dimensional code Q1-2 corresponding to remittance, the information processing device 100 transmits the store name and the remittance to the terminal device 10, which is the source of the processing request. The identifier is transmitted (step S24), and the information indicating the remittance is linked to the payment application side of the terminal device 10.

When the terminal device 10 receives the store name and the remittance identifier from the information processing device 100, the received information includes the remittance identifier, so the terminal device 10 displays a payment screen for remittance (step S25). On the payment screen for remittance, the user of the terminal device 10 inputs, for example, the remittance amount. Then, the terminal device 10 transmits a remittance completion instruction to the information processing device 100 according to the user's operation (step S26). The remittance instruction includes, for example, user identification information indicating the sender of the payment instruction, shop identification information, remittance identifier, and remittance amount information.

When the information processing device 100 receives the remittance instruction from the terminal device 10, the information processing device 100 executes remittance follow-up processing based on the remittance identifier included in the received information. The post-remittance process corresponds to, for example, the remittance process in step S2-2 shown in FIG.

[2. Device configuration example]
The configuration of the information processing apparatus 100 according to this embodiment will be described below. FIG. 4 is a block diagram showing a configuration example of an information processing apparatus according to this embodiment.

As shown in FIG. 4, 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. 4 , the storage unit 120 has a usage service information storage unit 121 , a payment compatible wallet information storage unit 122 , and a corporate account information storage unit 123 .

(Regarding the used service information storage unit 121)
The used service information storage unit 121 stores information about services used by service users. FIG. 5 is a diagram showing an outline of usage service information according to the present embodiment. Note that FIG. 5 shows an example of the usage service information 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 used service information stored in the used service information storage unit 121 has a plurality of items such as an item of "enterprise ID" and an item of "used registration service". These items included in the used service information are associated with each other.

The item of "enterprise ID" stores an enterprise ID that is identification information for identifying an enterprise that is a service user. The item of "use registration service" includes a plurality of items corresponding to each service provided to a business operator who is a service user, such as an item of "settlement service" and an item of "remittance service". Electronic payment services can be used by concluding a merchant agreement with a business operator that provides payment services. The remittance service can be used by registering for use of the remittance service after concluding a use contract for the corporate account service with a company that provides the corporate account service.

According to FIG. 5, the business operator identified by the business operator ID: "business operator #001" is registered for use of "settlement service", "remittance service", and the like.

(About payment compatible wallet information storage unit 122)
The payment compatible wallet information storage unit 122 stores payment compatible wallet information related to a payment compatible wallet owned by a business operator using an electronic payment service. FIG. 6 is a diagram showing an overview of payment compatible wallet information according to this embodiment. FIG. 6 shows an example of wallet information for settlement according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 6, the payment compatible wallet information stored in the payment compatible wallet information storage unit 122 includes items such as "business operator ID", "member store ID", "store ID", It has multiple items such as "payment compatible wallet" and "financial institution account" items. These items included in the payment compatible wallet information are associated with each other.

The item of “Business ID” stores a business ID, which is identification information for identifying a business that has concluded a member store contract as a member store of the electronic payment service. A member store ID, which is identification information for identifying a member store, is stored in the item “member store ID”. A store ID, which is identification information for identifying a store, is stored in the "store ID" item.

The “payment compatible wallet” item includes the “wallet ID” item and the “balance” item. The “wallet ID” item stores a wallet ID, which is identification information for identifying a payment compatible wallet. Information indicating the money balance of the payment compatible wallet is stored in the "balance" item. 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.

The information processing device 100 refers to the payment compatible wallet information stored in the payment compatible wallet information storage unit 122 and executes payment processing related to the electronic payment service.

(Regarding the corporate account information storage unit 123)
The corporate account information storage unit 123 stores information on corporate accounts corresponding to business operators that have entered into a contract to use the corporate account service. FIG. 7 is a diagram showing an overview of information on corporate accounts according to the present embodiment. Note that FIG. 7 shows an example of information about a corporate account according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 7, the information about the corporate account stored in the corporate account information storage unit 123 includes items of "enterprise ID", items of "corporate account ID", items of "wallet", and items of "financial It has multiple items such as the item "Institutional Account". These items included in the corporate account 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 a plurality of items such as a "main wallet" item, a "sub-wallet 1" item, and a "sub-wallet 2" item.

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

Items such as "sub-wallet 1" and "sub-wallet 2" store a sub-wallet ID, which is identification information for identifying the sub-wallet, and information indicating the money balance of 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.

The information processing device 100 executes remittance processing related to the remittance service while referring to information about the corporate account stored in the corporate account information storage unit 123 .

(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 distribution processing unit 131 , a settlement processing unit 132 and a remittance 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. 4 .

(Regarding the distribution processing unit 131)
The distribution processing unit 131 distributes the processing based on the processing request to either the payment processing or the remittance processing based on the request identification information included in the processing request from the user. For example, the request identification information is pre-embedded in the two-dimensional code read by the user when transmitting the processing request. A remittance identifier indicating remittance processing is used as the request identification information according to the present embodiment. The remittance identifier is embedded inside the code describing the two-dimensional code corresponding to the remittance. For example, when the remittance identifier is included in the processing request, the distribution processing unit 131 can determine that the processing request is a request based on the two-dimensional code Q corresponding to remittance. Also, when the remittance identifier is not included in the processing request, the distribution processing unit 131 can determine that the processing request is based on the two-dimensional code Q corresponding to payment.

(Regarding the payment processing unit 132)
When the distribution processing unit 131 distributes the processing request to the payment processing, the payment processing unit 132 distributes the amount of electronic money equivalent to the payment amount included in the processing request as the sales proceeds of the business operator who is the service user. It will be added to the balance of the payment service compatible wallet linked to the electronic payment service that supports payment processing. For example, the payment processing unit 132 executes payment processing according to the processing request. In addition, when the payment processing is normally completed, the payment processing unit 132 accepts the deposit of electronic money corresponding to the payment amount through the wallet compatible with the payment service. Wallets compatible with payment services are provided to business operators after they conclude a merchant contract and complete registration for use of the payment service. Then, the information processing device 100 pays out the balance of the payment service compatible wallet to the financial institution account designated in advance by the business operator X as a transfer destination at a predetermined timing according to the member store contract.

(Regarding the remittance processing unit 133)
When the remittance processing unit 131 distributes the processing request to the remittance processing, the remittance processing unit 133 receives the electronic money corresponding to the remittance amount included in the processing request as the remittance of the business user who is the service user. Add to corporate account balance. For example, the remittance processing unit 133 executes remittance processing according to the processing request. In addition, when the remittance processing is normally completed, the remittance processing unit 133 accepts deposit of electronic money equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of business operator X. . In addition, the remittance processing unit 133 adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet of the corporate account as the received money of the business operator. Then, the information processing device 100 pays out the balance of the corporate wallet to a financial institution account designated in advance by the operator as a transfer destination at a predetermined timing according to the use contract of the corporate account service.

[3. Processing procedure]
Next, an example of a processing procedure performed by the information processing apparatus 100 according to this embodiment will be described with reference to FIG. FIG. 8 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. 8, the distribution processing unit 131 distributes the processing based on the processing request to either the payment processing or the remittance processing based on the request identification information included in the processing request (step S101).

Then, the distribution processing unit 131 executes settlement processing or remittance processing based on the distribution result in step S101 (step S102), and ends the processing procedure shown in FIG.

[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. Subject of assignment decision)
For example, in one example of the information processing described above, the determination of the allocation of processing based on the two-dimensional code Q may be performed by a dedicated application such as a payment application started on the terminal device 10, or the information processing may be performed as described above. The processing device 100 may make the determination.

(4-2. About information display)
For example, in the example of the information processing described above, the information processing device 100, if a business operator X has concluded both a member store contract for an electronic payment service and a use contract for a corporate account service, In response to a request, the history of proceeds from settlement processing and the history of receipts from remittance processing may be provided together. As a result, the business operator X can check the details of the asset status all at once.

(4-3. Cases where Member Store Agreement and User Agreement have been concluded)
For example, in the above information processing, the service user, business operator X, concludes both a merchant contract for the electronic payment service and a use contract for the corporate account service, and is in a state where both the payment service and the remittance service are available. In some cases, information processing apparatus 100 sends an alert message to the effect that the request will be processed based on the code information (for example, two-dimensional code Q) for which processing is requested, to the sender of the processing request (for example, the user shown in FIG. 1). Y) may be notified. That is, this message is for user Y to confirm whether the processing to be executed at present is "settlement" or "remittance". As a result, it is possible to prevent a process from being performed that is not intended by user Y, who is the sender of the process request, due to an error in the code information.

Specifically, when the information processing device 100 determines whether the processing request is based on a code corresponding to payment or remittance based on the request identification information included in the processing request from the terminal device 10, (For example, in the processing phases such as step S13 shown in FIG. 2 and step S23 shown in FIG. 3), refer to services registered for use by business operator X, or refer to payment wallet information or corporate account information By doing so, it is determined whether the business operator X can use a service other than the identified code (for example, if the code is payment, remittance is applicable). Then, when the information processing apparatus 100 determines that the service other than the identified code is available to the operator X, for example, in a processing phase such as step S14 shown in FIG. 2 or step S24 shown in FIG. , sends a reminder message to the terminal device 10 to process the request based on the identified code. In response to this, the terminal device 10 displays a warning message when displaying the payment screen or the remittance screen in processing phases such as step S15 shown in FIG. 2 and step S25 shown in FIG.

(4-4. Issuance of code information in response to requests from service users)
In the above information processing, the control unit 130 of the information processing device 100 provides a function of generating a two-dimensional code Q (an example of code information) in response to an issuance request from the business operator X who is a service user. It may have a code generator that In this case, the issuance request from business operator X includes, for example, the type of code desired to be generated (for example, the type of code for payment, code for remittance, etc.), and two-dimensional code Q is , a scheme in which the code is issued on the condition that the type of code included in the issue request corresponds to the service contracted by the business operator can be adopted. Upon receiving a code issuance request from business operator X, the code generation unit checks the type of code included in the issuance request. Then, when the code type is a code for payment, the code generation unit generates a code for payment and issues it to the business operator X if there is a payment service among the services registered for use by the business operator X. Further, when the code type is a code for payment, the code generation unit generates a code for payment and issues it to the business operator X if there is a payment service among the services registered for use by the business operator X.

[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. 9 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device 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 manages corporate accounts individually assigned to service users. The information processing device 100 also has a distribution processing unit 131 , a settlement processing unit 132 , and a remittance processing unit 133 . Based on the request identification information included in the processing request from user Y, the distribution processing unit 131 distributes the processing based on the processing request to either payment processing or remittance processing. When the payment processing unit 132 is assigned to the payment processing, the electronic money equivalent to the payment amount included in the processing request is transferred to the balance of the wallet linked to the service corresponding to the payment processing as the sales proceeds of the service user. to add. When sorted to the remittance process, the remittance processing unit 133 adds an amount of electronic money equivalent to the remittance amount included in the process request to the balance of the wallet linked to the corporate account as the service user's receipt.

Also, it is embedded in advance in the code information described so that it can be read using the terminal device 10 (an example of an information processing terminal) when the user Y transmits a processing request.

In this manner, the information processing apparatus 100 according to the present embodiment can allocate processing requests from user Y to appropriate processing, and can efficiently execute processing of services related to digital money such as electronic money. Further, the information processing apparatus 100 according to the present embodiment can provide the user Y with a service of processing payment processing and remittance processing on the same platform.

[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 used service information storage unit 122 payment compatible wallet information storage unit 123 corporate account information storage unit 130 control unit 131 distribution processing unit 132 payment processing unit 133 remittance processing unit

Claims (8)

Information processing to manage corporate accounts assigned individually to service users who have signed corporate account service usage contracts in order to use various services related to domestic exchange transactions for corporations or affiliated stores for electronic payment services a device,
Request identification information included in a processing request from a user, which is information given in advance to a service user who has concluded a contract with a member store and a contract for using the corporate account service, and which is used for payment processing or a distribution processing unit that distributes the processing based on the processing request to either payment processing or remittance processing based on request identification information indicating which remittance processing is performed;
If it is sorted to the payment process, the amount of electronic money equivalent to the payment amount included in the process request is added to the balance of the wallet linked to the service corresponding to the payment process as the sales proceeds of the service user. a payment processing unit;
a remittance processing unit that adds an amount of electronic money equivalent to the remittance amount included in the remittance process to the balance of the wallet linked to the corporate account as the service user's receipt when the remittance process is assigned to the remittance process; An information processing device comprising: The request identification information is
2. The information processing apparatus according to claim 1, wherein the code information is embedded in advance in code information described so that it can be read using an information processing terminal when the user transmits the processing request. The code information is
3. The information processing apparatus according to claim 2, wherein the certificate is issued in response to an issuance request from the service user. The issuance request is
Include the type of code you wish to generate,
The code information is
4. The information processing apparatus according to claim 3, wherein the type is issued on the condition that the type corresponds to the service contracted by the service user. The service user is separately provided with a history of settlement amounts assigned to the payment processing and a history of remittance amounts assigned to the remittance processing.
The information processing apparatus according to claim 1, characterized by: The distribution processing unit inquires of the user whether the distribution result of the processing based on the request identification information is correct or not.
The payment processing unit and the remittance processing unit execute processing based on the processing request when receiving a response from the user that the distribution result of the processing is correct.
The information processing apparatus according to claim 1, characterized by: The computer that manages the corporate accounts that are individually allocated to the service users who have entered into a corporate account service usage contract in order to use various services related to domestic exchange transactions for corporations or a member store contract for electronic payment services. An information processing method to be executed,
Request identification information included in a processing request from a user, which is information given in advance to a service user who has concluded a contract with a member store and a contract for using the corporate account service, and which is used for payment processing or a distribution processing step of distributing the processing based on the processing request to either payment processing or remittance processing based on request identification information indicating which remittance processing is performed;
If it is sorted to the payment process, the amount of electronic money equivalent to the payment amount included in the process request is added to the balance of the wallet linked to the service corresponding to the payment process as the sales proceeds of the service user. a payment processing process;
a remittance processing step of adding an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the wallet linked to the corporate account as the receipt of the service user when the remittance is sorted for the remittance processing; An information processing method comprising: To the computer that manages the corporate account that is individually allocated to service users who have entered into a corporate account service usage contract in order to use various services related to domestic exchange transactions for corporations or affiliated store contracts for electronic payment services ,
Request identification information included in a processing request from a user, which is information given in advance to a service user who has concluded a contract with a member store and a contract for using the corporate account service, and which is used for payment processing or a distribution processing procedure for distributing the processing based on the processing request to either payment processing or remittance processing based on request identification information indicating which remittance processing is performed;
If it is sorted to the payment process, the amount of electronic money equivalent to the payment amount included in the process request is added to the balance of the wallet linked to the service corresponding to the payment process as the sales proceeds of the service user. payment processing procedures;
a remittance processing procedure for adding an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the wallet linked to the corporate account as the receipt of the service user when the remittance is sorted for the remittance processing; An information processing program characterized by executing

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