JP7219359B1 - Information processing equipment - Google Patents

Abstract

An object of the present invention is to promote the use of digital salary payment. An information processing apparatus according to the present application includes a detection unit and a reflection unit. The detection unit detects a transfer to a virtual account individually assigned to each user from among a plurality of virtual accounts linked to the same account owned by a business operator at a partner financial institution. The reflection unit reflects the amount of the money transfer to the money balance indicating the balance of electronic money owned by the user associated in advance with the virtual account when the money transfer is detected. [Selection drawing] Fig. 5

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. For example, a service provider that provides an electronic payment service manages the balance of electronic money that can be used by the service user by associating it with an account that is individually assigned to the service user. Then, the service provider provides the service user with transaction means for performing settlement using electronic money in response to a transaction request from the service user.

Recently, the government has begun to consider introducing a so-called "digital salary payment" that allows payment of salaries by digital money such as the above-mentioned electronic money and virtual currency to fund transfer companies that operate fund transfer businesses. Note that the above-mentioned service provider may also serve as a funds transfer service provider.

Japanese Patent Application Laid-Open No. 2020-4122

However, with the above-described conventional technology, when the ban on digital payment of salaries is lifted, not a few problems remain in promoting the use of digital payment of salaries. For example, when a fund transfer service provider handles digital payment of salaries, it is necessary to provide a corporate account to the company that pays the salary. service is difficult.

Also, it is conceivable that the company that pays the salary will act as a fund transfer service provider. However, in order to operate a fund transfer business, it is necessary to be registered with the Prime Minister in advance, which places a heavy burden on the company that pays salaries.

In addition, in the above-mentioned electronic payment service, by having the funds transfer company grasp the bank account of the service user and receiving approval from the user to enable automatic charging of a certain amount, payment such as salary When cash is transferred to the bank account owned by the user, it is possible to charge it automatically. However, many service users are reluctant to provide their own bank account information to funds transfer service providers due to concerns that their personal information may be leaked.

In this way, even if the ban on digital payment of salaries is lifted, there is a possibility that currently there will not be much progress in switching from the existing scheme of transferring salaries to bank accounts to digital payment.

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 promote the use of digital salary payment.

An information processing apparatus according to the present application includes a detection unit and a reflection unit. A detection unit detects a transfer or payment to a virtual account individually assigned to each user from among multiple virtual accounts linked to the same account owned by a business operator at a partner financial institution. The reflecting unit reflects the received amount of the transferred money in the money balance indicating the balance of the electronic money owned by the user associated in advance with the virtual account, when the transferred money is detected.

According to one aspect of the embodiment, there is an effect that the use of digital salary payment can be promoted.

FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of an overview (part 2) of information processing according to the embodiment. FIG. 3 is a diagram illustrating an example of an outline (part 3) of information processing according to the embodiment. FIG. 4 is a diagram showing an example of notification of payment by transfer by the transfer payment service according to the embodiment. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 6 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment; 7 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. 8 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; FIG. FIG. 9 is a flow chart showing an example of the processing procedure of account allocation processing executed by the settlement server according to the embodiment. FIG. 10 is a flow chart showing an example of a processing procedure of a transfer payment reflection process executed by the settlement server according to the embodiment. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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 "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. embodiment]
Information processing realized by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. Note that in FIG. 1, the information processing and the like according to the embodiment are realized by the settlement server 100, which is an example of the information processing apparatus according to the embodiment.

(1-1. System configuration)
As shown in FIG. 1, an information processing system 1 according to the embodiment includes a user terminal 10, a bank server 20, and a settlement server 100. The user terminal 10, the bank server 20, and the settlement server 100 are communicably connected to each other by wire or wirelessly via a network N (see FIG. 5, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 1 may include a plurality of user terminals 10, a plurality of bank servers 20, and a plurality of settlement servers 100. FIG.

A settlement server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides service users with an electronic payment service related to electronic payment using the user terminal 10 (a service that provides a predetermined means of transaction for controlling the exchange of electronic money by code payment). The payment server 100 executes information processing related to electronic payment services. Specifically, the payment server 100 distributes an application program for a user terminal (hereinafter referred to as a “user application” as appropriate) for realizing code payment to general consumers who are service users. When the settlement server 100 receives a transaction request from the user application via the interface dedicated to the user application, the settlement server 100 executes information processing including electronic money remittance processing between accounts in accordance with the transaction request. The user application transmits transaction information including information such as payment destination, payment source, and payment amount to the payment server 100 . In addition to the above-mentioned information, transaction information includes information such as a transaction code to identify individual transactions and date and time information (timestamp) to identify the date and time of a transaction. may

In addition, the settlement server 100 provides a bank deposit service using electronic money as one of the services described above. For example, the settlement server 100 provides a service of accepting electronic money transfers of salaries and various types of transfers other than salaries. Details of specific information processing will be described later. In addition, the services for receiving salary transfers and various types of transfer payments may be configured as mini-applications that are activated within the user application for realizing code settlement, or may be prepared independently of this user application. It may be a unique application program.

A user terminal 10 shown in FIG. 1 is an information processing device used by a general consumer who receives a transaction object from a store and is used by a user UX who uses a service provided by the settlement server 100 . The user terminal 10 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 10 displays information delivered by the settlement server 100 using a web browser or an application. Note that FIG. 1 illustrates a smartphone as the user terminal 10 .

When the user terminal 10 receives control information for implementing predetermined information processing from the settlement server 100, the user terminal 10 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is described by language or the like. Note that the predetermined application itself distributed from the settlement server 100 may be regarded as the control information.

A bank server 20 shown in FIG. 1 is an information processing device belonging to a bank (an example of a “financial institution”) that manages bank accounts opened by applicants, and is implemented by a server device, a cloud system, or the like. For example, the bank server 20 stores, as bank account usage histories, information on debits from bank accounts by card companies and various service providers (amount debited, date and time of debit, etc.), current account information ( account balance, etc.) are managed in association with the account holder.

(1-2. Settlement using user terminal 10)
Here, an example of code payment (electronic payment) using the user terminal 10 will be described. In the following description, a two-dimensional code (QR code (registered trademark)) placed at the store X and indicating store identification information for identifying the store X is used to provide a transaction target from the store X. An example in which the user UX who receives the payment makes a payment using the user terminal 10 will be described. It should be noted that an example of code settlement described below can also be applied when any user uses any user terminal 10 to make a payment at any store. Also, the two-dimensional code indicating the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like. Further, the two-dimensional code is not limited to the example physically configured by printed matter printed on a medium such as paper, and may be configured by image information displayed on an arbitrary terminal.

For example, when the user UX purchases or uses transaction objects such as various products and services at the store X, the user UX activates a user application pre-installed in the user terminal 10 . Then, the user UX photographs the two-dimensional code installed at the store X via the user application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts the input of the payment amount from the user UX or store X clerk. Then, the user terminal 10 receives user identification information for identifying the user UX, store identification information (or information indicated by the store identification information, that is, information indicating the store X (for example, store ID)), and settlement information. to the settlement server 100.

When the settlement server 100 receives the transaction information from the user terminal 10, the settlement server 100 transfers electronic money corresponding to the settlement amount from the account of the user UX indicated by the user identification information to the account of the store X indicated by the store identification information. to migrate. At this time, the settlement server 100 may deduct a predetermined fee to be charged to the store X from the amount of electronic money corresponding to the settlement amount, and then transfer the electronic money to the account of the store X. The settlement server 100 then transmits a notification that the transaction has been completed to the user terminal 10 . In such a case, the user terminal 10 notifies the user UX that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. Alternatively, the settlement server 100 withdraws electronic money corresponding to the settlement amount from the account of the user UX indicated by the user identification information, manages it as sales information of the store X, and withdraws the amount corresponding to the sales at a predetermined timing. Cash may be transferred to a bank account owned by store X. In this case, the settlement server 100 may notify the user UX that the electronic money transaction is completed at the timing when the electronic money corresponding to the settlement amount is withdrawn from the account of the user UX.

Note that the settlement using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using a terminal device installed at the store X (hereinafter referred to as "store terminal"). Specifically, first, the user terminal 10 displays code information indicating user identification information for identifying the user UX on the screen. In such a case, the shop terminal reads the user identification information from the code information displayed on the user terminal 10, and reads the read user identification information (or information indicated by the user identification information, that is, the user UX). (for example, user ID)), the settlement amount, and the information identifying the store X, and the transaction information is transmitted to the settlement server 100 .

When receiving the transaction information from the store terminal, the settlement server 100 transfers electronic money corresponding to the settlement amount from the account of the user UX indicated by the user identification information to the account of the store X. The settlement server 100 then transmits a notification that the transaction has been completed to the store terminal or the user terminal 10 . The store terminal or the user terminal 10 notifies the user UX that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. In addition, the settlement server 100 withdraws electronic money corresponding to the settlement amount from the account of the user UX indicated by the user identification information, manages it as sales information of the store X, and withdraws the amount corresponding to the sales at a predetermined timing. Cash may be transferred to a bank account owned by store X. In this case, the settlement server 100 may notify the clerk or the user UX that the electronic money transaction is completed at the timing when the electronic money equivalent to the settlement amount is withdrawn from the account of the user UX.

In addition, settlement using the user terminal 10 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user UX to an account of the store X, but also a credit card pre-registered by the user UX. Payment may be made using a card. In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the settlement amount to the account of the store X, and transfers the amount indicated by the settlement amount to the operating company of the credit card of the user UX. may be requested.

In addition, the settlement using the user terminal 10 is not only the process of transferring electronic money from the account of the user UX to the account of the store X, but also the transfer of electronic money from the account of the user UX to the account of another user, for example. It may also be a settlement that transfers money (ie, remittance between users). For example, the user terminal 10 used by the user UX of the remittance source receives user identification information that identifies the user of the remittance destination (for example, user identification information displayed on the terminal device used by the user of the remittance destination). , receives input of the remittance amount from the user UX, and transmits to the settlement server 100 information indicating the read identification information, remittance amount, and user identification information for identifying the user UX. In such a case, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user UX to the account of the remittee user, and the user terminal 10 or the remittee user uses the electronic money. The completion of the remittance may be notified to the terminal device by outputting a screen or a predetermined voice indicating that the remittance has been completed.

The remittance using the user terminal 10 is not limited to the processing described above. For example, remittance using the user terminal 10 may be performed by inputting into the user terminal 10 the telephone number of the user to whom the remittance is to be made, or information indicating the user to whom the remittance is to be made (for example, user ID). . As a specific example, the user terminal 10 accepts input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the user UX. The remittance amount and user identification information for identifying the user UX are transmitted to the settlement server 100 . Then, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user UX to the account of the user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the remittee user may be registered in advance in the user application in association with information about the user. In this case, the user terminal 10 accepts from the user UX the designation of a user (remittance destination) registered in the user application and the input of the remittance amount to the user, and the telephone associated with the designated user. The number or user ID, remittance amount, and user identification information for identifying the user UX are transmitted to the settlement server 100 .

Further, for example, remittance using the user terminal 10 may be performed by providing the remittee user with link information for receiving the remittance amount. As a specific example, the user terminal 10 accepts input of the remittance amount from the user UX, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. Link information is provided to the terminal device used by the user of the remittance destination by posting the posted information including , to an SNS (Social Networking Service). Then, when the remittance destination user selects the link information and performs a receiving operation, the settlement server 100 transfers electronic money in the amount indicated by the remittance amount from the account of the user UX to the remittance destination user's account. migrate.

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. In other words, 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, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or may include only one of them. 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 settlement server 100 may be an information processing device that implements transaction means for controlling the exchange of electronic money between arbitrary owners.

(1-3. Outline of Embodiment)
(1-3-1. Application for use (Part 1))
An outline of information processing relating to the money transfer payment service executed by the settlement server 100 will be described below. First, with reference to FIG. 1, an overview (part 1) of processing in response to an application for use of the money transfer service will be described. FIG. 1 shows an outline of an application for use by a service user who desires electronic money to transfer money other than salary.

In the following description, the user terminal 10 may be identified with the user UX. That is, hereinafter, the user UX can be read as the user terminal 10 as well.

As shown in FIG. 1, the settlement server 100 requests the bank server 20 belonging to a partner bank (an example of a “financial institution”) to lend a virtual account (step S11). A virtual account is a plurality of virtual accounts that are linked to the same bank account owned by a business operator who operates the payment server 100 at a partner bank. This virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination, and functions as a dedicated account for receiving various transfers. The bank server 20 lends out the virtual account in response to the request from the settlement server 100 (step S12). The settlement server 100 can borrow a predetermined volume of virtual accounts from the bank server 20 at one time (for example, an arbitrary number such as a maximum of 9,999,999 accounts).

The user UX transmits to the settlement server 100 a request to create a dedicated account for depositing funds via the top screen of the user application displayed on the user terminal 10 (for example, screen D1-1) (step S13).

When the settlement server 100 receives a request for creating a dedicated account for deposit from the user terminal 10, it allocates a virtual account and registers user information (step S14). For example, the settlement server 100 arbitrarily selects a plurality of unused virtual accounts among a plurality of virtual accounts lent out in advance by a partner bank to a dedicated virtual account corresponding to the user UX who requested creation. Arbitrarily assign as an account (virtual account). Then, the settlement server 100 associates and registers account information for specifying the assigned dedicated account (virtual account) and identification information specific to the user UX, and manages them as user information. As identification information specific to the user UX, for example, a user ID that is individually assigned to each user by the payment server 100 at the time of registration for use of the electronic payment service can be used.

In addition, for the purpose of complying with regulations on retention in the funds transfer business, which is required by law, the settlement server 100 is designed to ensure that, of the amount deposited using a dedicated account for deposit payment as the transfer destination (remittance destination), Information on a bank account for refund for refunding the amount of cash to the user UX linked to the dedicated account is obtained from the user UX when applying for use. The settlement server 100 registers the bank account information for refund acquired from the user UX as user information in association with the unique information described above.

When the allocation of the virtual account and the registration of the user information are completed, the settlement server 100 sends to the user terminal 10 a message for specifying the virtual account allocated to the user UX as information of the dedicated account for depositing money. By transmitting the account information (step S15), the account information is provided to the user UX.

An example of transition of screens displayed on the user terminal 10 in response to an application for use of the money transfer service will be described below. A screen D1-1 shown in FIG. 1 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. The screen D1-1 shown in FIG. 1 is provided with an icon OB1-1 for applying for use of money transfer.

A screen D1-2 shown in FIG. 1 is an example of a dedicated account creation request screen displayed on the user terminal 10 according to the operation of the icon OB1-1 by the user UX. The screen D1-2 shown in FIG. 1 is provided with a button OB1-2 for transmitting to the settlement server 100 a request for creating a dedicated account for depositing funds. The button OB1-2 is configured to accept operations from the user UX, for example, on the condition that the refund account information is input and the user agrees to the terms of use and the handling of personal information. good too.

In addition, the screen D1-3 shown in FIG. 1 is displayed by the settlement server in response to a request for creation of a dedicated bank account for deposit, which is transmitted from the user terminal 10 to the settlement server 100 according to the operation of the button OB1-2 by the user UX. 1 is an example of a response screen transmitted from 100 to the user terminal 10. FIG. The screen D1-3 shown in FIG. 1 displays information related to a dedicated account for depositing funds created by the settlement server 100. FIG. The user UX informs the transfer request destination of the information on this exclusive account for receiving money by transfer. The transfer request destination performs transfer and payment using the dedicated account for transfer and payment notified by the user UX as the transfer destination (remittance destination). When the settlement server 100 detects that a transfer has been made to the dedicated account for payment by transfer, the settlement server 100 stores the electronic money account of the user UX corresponding to the dedicated account for payment by transfer, which corresponds to the amount of money transferred to the dedicated account. Charge electronic money. In other words, the settlement server 100 reflects the deposited amount in the money balance associated with the account of the user UX corresponding to the dedicated account for deposit payment.

(1-3-2. Usage application (Part 2))
An outline of the processing (part 2) in response to an application for use of the money transfer service will be described below with reference to FIG. FIG. 2 is a diagram illustrating an example of an overview (part 2) of information processing according to the embodiment. FIG. 2 shows an outline of a usage application by a service user who wishes to have his/her salary transferred using electronic money. Note that the processing procedure of steps S21 and S22 shown in FIG. 2 corresponds to the processing procedure of steps S11 and S12 shown in FIG. 1, so description thereof will be omitted.

As shown in FIG. 2, the user UX transmits a request for creation of a dedicated account for salary receipt to the settlement server 100 through the top screen (for example, screen D2-1) of the user application displayed on the user terminal 10 ( step S23).

When the settlement server 100 receives a request for creation of a dedicated account for salary receipt from the user terminal 10, it executes allocation of a virtual account and registration of user information (step S24). For example, the settlement server 100 arbitrarily selects a plurality of unused virtual accounts among a plurality of virtual accounts lent out in advance by a partner bank to a dedicated virtual account corresponding to the user UX who requested creation. Arbitrarily assign as an account (virtual account). Then, the settlement server 100 associates and registers account information for specifying the assigned dedicated account (virtual account) and identification information specific to the user UX, and manages them as user information. As identification information specific to the user UX, for example, a user ID that is individually assigned to each user by the payment server 100 at the time of registration for use of the electronic payment service can be used.

In addition, the settlement server 100 acquires information on predetermined necessary items from the user UX at the time of application for use for the purpose of complying with the stay regulation and detecting mistakes in remittance under the guise of salary. Predetermined necessary information includes place of work or employer, employee number, company name, amount to be received, bank account for refund, and the like. It is assumed that the information about the place of work and the employer will be used for confirmation of the transfer source (remittance source) in the transfer payment service for receiving salary. Also, it is assumed that the employee number will be used as a key to verify the identity of the transfer source if there is an error in the transfer. In addition, it is assumed that the company's name will be used for confirmation of the account holder designated as the transfer destination (remittance destination). In addition, it is assumed that the amount of money to be received is used for adjusting in advance so as not to exceed a predetermined amount. It is assumed that the refund bank account will be used as a transfer destination (remittance destination) for an amount exceeding a predetermined amount. The settlement server 100 registers the predetermined information acquired from the user UX as user information in association with the unique information described above.

When the allocation of the virtual account and the registration of the user information are completed, the settlement server 100 transmits the account information related to the virtual account allocated to the user UX to the user terminal 10 (step S25). Provide user UX with account information.

An example of transition of screens displayed on the user terminal 10 in response to an application for use of the bank deposit service for receiving salaries using electronic money will be described below. A screen D2-1 shown in FIG. 2 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. The screen D2-1 shown in FIG. 2 is provided with an icon OB2-1 for applying for receipt of salary by electronic money.

A screen D2-2 shown in FIG. 2 is an example of a dedicated account creation request screen displayed on the user terminal 10 according to the operation of the button OB2-1 by the user UX. The screen D2-2 shown in FIG. 2 is provided with a button OB2-2 for transmitting to the settlement server 100 a request to create a dedicated account for salary receipt. The button OB2-2, for example, may be configured to accept operations from the user UX on the condition that predetermined necessary items are entered and consent is given to the terms of use and the handling of personal information. good.

In addition, the screen D2-3 shown in FIG. 2 is displayed by the settlement server in response to a request to create a dedicated account for salary receipt transmitted from the user terminal 10 to the settlement server 100 according to the operation of the button OB2-2 by the user UX. 1 is an example of a response screen transmitted from 100 to the user terminal 10. FIG. The screen D2-3 shown in FIG. 2 displays information about the dedicated account for salary receipt created by the settlement server 100. In the screen D2-3 shown in FIG. Here, the settlement server 100 assigns a name (for example, “Kyuyo Branch”) indicating that it is for salary receipt as the branch name of the dedicated account for salary receipt. The user UX informs the transfer request destination of the information of this exclusive account for salary receipt. The transfer request destination performs remittance using the dedicated account for salary receipt notified by the user UX as the transfer destination (remittance destination). When the payment server 100 detects that the transfer request destination has made a payment to the dedicated account for receiving salary, it charges the electronic money account of the user UX corresponding to the dedicated account for receiving salary with electronic money equivalent to the amount of the payment. do. That is, the settlement server 100 reflects the deposited amount in the money balance associated with the account of the user UX corresponding to the dedicated account for salary receipt.

As described above, the settlement server 100 can allocate a virtual account to a user for each purpose of use, such as bank transfer other than salary and salary bank transfer. In the example shown in FIGS. 1 and 2, the settlement server 100 has explained the outline of the processing in the case where the application for use of the money transfer service other than salary and the application for use of the salary money transfer service are separately accepted. However, it need not be limited to this example. For example, the settlement server 100 may allow the service user to select whether the purpose of use is to transfer money other than salary or to pay salary after accepting an application for use of the money transfer service.

In addition, the settlement server 100 assigns a virtual account to the service user as a dedicated account for the transfer and payment service in response to an application for use of the transfer and payment service other than salary. may be a virtual account of Note that the settlement server 100 may assign a one-time account to a service user in response to an application for use of a money transfer service other than a salary. As a result, the metabolism of the virtual account can be promoted, and the virtual account can be used effectively.

Further, when allocating a virtual account to a service user for each purpose of use, the settlement server 100 may manage the money balance for each purpose of use. For example, the settlement server 100 separates the money balance corresponding to the money transfer received by the money transfer service other than salary shown in FIG. 1 and the money balance corresponding to the money transfer received by the money transfer service for receiving salary shown in FIG. can be managed to

(1-4. Transfer payment reflection process)
Hereinafter, an outline of processing for reflecting the payment by transfer by the transfer payment service will be described with reference to FIG. 3 . FIG. 3 is a diagram illustrating an example of an outline (part 3) of information processing according to the embodiment. FIG. 3 shows the information processing system 1 when user UX and user UY, who are service users, have applied for the transfer and payment service other than salary, and user UZ has applied for the transfer and payment service for salary. shows an overview of the processing in

As shown in FIG. 3, when the user UX uses the transfer payment service, the user UX notifies the transfer request destination of the transfer destination information including the information indicating the dedicated account for transfer payment notified from the settlement server 100 . For example, the user UX has a bank name: "ABC Bank", a branch number: "123", a branch name: "DEF", an account type: "ordinary", and an account number that indicates a virtual account: "111112". Or, the name (account holder's name): "Tokyo Kenichi" is notified to the company A to which the transfer request is made.

In addition, when user UY uses the money transfer service, the user UY notifies the transfer request destination of the transfer destination information including the information indicating the dedicated account for money transfer notified from the settlement server 100 . For example, user UY has bank name: "ABC Bank", branch number: "123", branch name: "DEF", account type: "ordinary", and account number indicating a virtual account: "111113". Also, the name (account holder's name): "Isho Sakurako" is notified to the company B to which the transfer request is made.

Further, when user UZ uses the money transfer payment service, the user UZ notifies the transfer request destination of the transfer destination information including the information indicating the dedicated account for salary receipt notified from the settlement server 100 . For example, user UZ has a bank name: "ABC Bank", a branch number: "123", a branch name: "Kyuyo Branch", an account type: "Normal", and an account number that indicates a virtual account: "111111". or the name (account holder's name): "Sho Hyo Jin" to the employer C to whom the transfer is requested.

When the company A receives a request for money transfer from the user UX, the company A makes money transfer based on the transfer destination information notified by the user UX. For example, Company A remits the amount specified by the user UX from the sending bank that owns the bank account to the bank (branch) account and account holder indicated in the transfer destination information. . FIG. 3 shows an example in which company A remits cash "¥30,000" to a dedicated account number "111112" whose account holder is "Tokyo Kenichi".

When the company B receives a transfer request from the user UY, the company B makes the transfer based on the transfer destination information notified by the user UY. For example, company B remits the amount specified by user UX from the sending bank that owns the bank account to the bank (branch) account and account holder indicated in the transfer destination information as the remittance destination. . FIG. 3 shows an example in which company B remits cash "¥50,000" to a dedicated account number "111113" whose account holder is "Isho Sakurako".

Employer C, upon receiving a request from user UZ for payment by bank transfer for receiving salary, makes bank transfer based on the payee information notified by user UZ. For example, employer C remits user UZ's salary from the sending bank where he owns the bank account to the account of the bank (branch) described in the transfer destination information and the account holder as the remittance destination. FIG. 3 shows an example in which employer C remits a salary of "¥250,000" to a dedicated account number of "111111" whose account holder is "Shohyo Jin".

The settlement server 100 executes detection processing for detecting a transfer to a dedicated account (virtual account) individually assigned to each user from among a plurality of virtual accounts linked to the same bank account (step S31). ). For example, the settlement server 100 checks the balance of a bank account with which multiple dedicated accounts (virtual accounts) are linked at a predetermined timing. Then, when the balance of the corresponding bank account has increased, the settlement server 100 individually identifies a dedicated account number indicating a dedicated account (virtual account) designated as a remittance destination.

Further, when the settlement server 100 detects that a deposit has been made to the dedicated account number for the deposit, the settlement server 100 executes a process of confirming the contents of the deposit (step S32). Then, the settlement server 100 executes processing according to the confirmation result of the details of the transfer (steps S33 to S35).

For example, the settlement server 100 acquires the balance of the dedicated account (virtual account) linked to the target user (for example, user UX, user UY, user UZ, etc.) who is the recipient of the money transfer. Then, the settlement server 100 determines whether or not the balance of the dedicated account (virtual account) after reflecting the amount of money transferred into the account exceeds a predetermined amount.

If the balance of the dedicated account (virtual account) does not exceed a predetermined amount, the settlement server 100 performs charge processing to reflect the amount of money transferred into the money balance of the electronic money owned by the target user. (step S33). On the other hand, if the balance of the dedicated account (virtual account) exceeds a predetermined amount, the settlement server 100 sets the bank account linked in advance to the target user as the destination of the remittance to the amount exceeding the predetermined amount. A refund process for remittance of the amount of cash is executed (step S34).

Further, if the detected payment is for receiving a salary, the settlement server 100 may send a confirmation request for checking the content of the transfer to the target user (step S35). For example, if the transfer source of the transfer payment is different from the place of work or employer preset by the target user, the payment server 100 sends a confirmation notice to the user as to whether or not the payment is correct for receiving a salary. You may transmit to the terminal 10. In this case, the settlement server 100 executes processing such as charging the money balance when confirmation is obtained from the target user. In addition, the settlement server 100 traces the history of the target user's transfer and payment, and if the payment for salary receipt is performed at an irregular timing, the target user checks whether there is an error in the transfer and payment for salary receipt. A confirmation notification may be sent to the user terminal 10 for confirmation. The settlement server 100 traces the history of the transfer of the target user, and if the transfer for purposes other than salary is continuously detected at a certain timing, it is not a mistake of the transfer for receiving salary. A confirmation notification may be sent to the user terminal 10 to inquire of the target user whether or not. As a result, it is possible to prevent the money transfer service from being used for the wrong purpose.

In addition, the settlement server 100 may acquire, at a predetermined timing, information indicating the money balance managed by the breakdown of salary among the money balances for each service user, and notify the affiliated bank of the information. In the event of bankruptcy of the fund transfer service provider, the electronic money paid as a salary may be guaranteed by a partner bank. In such cases, it is useful for partner banks to check the balance of electronic money paid to users as salaries, in that they can grasp the amount of money that needs to be guaranteed.

In addition, the settlement server 100 may accept a user's selection of an amount to be received in electronic money out of the amount to be paid by bank transfer when applying for use of the bank transfer service for receiving salaries. In this case, the settlement server 100 can transfer the difference obtained by subtracting the amount received in electronic money from the deposited amount to the bank account of the target user in cash.

In addition, the operator who operates the settlement server 100 makes an agreement in advance with the affiliated bank to refuse the acceptance of the transfer payment when the amount of one-time (1 shot) payment exceeds a predetermined amount. You can keep it. For example, the settlement server 100, at a predetermined timing, transmits to the bank server 20 information indicating a predetermined amount for which acceptance of deposit to the virtual account is to be refused. Note that the predetermined amount may be set for each purpose of use (remittance payment service).

Further, the settlement server 100 may acquire from the bank server 20 information regarding a transfer payment for which the bank server 20 has performed a process of refusing to accept payment to the virtual account. For example, in a payroll transfer service for receiving salaries, if the amount of money deposited once (one shot) exceeds a predetermined amount, the settlement server 100 determines that there is a high probability that the next amount will also exceed the predetermined amount. In this case, the settlement server 100 sends a confirmation notice as to whether or not to continue using the payment transfer service for receiving salaries next time to the target user linked to the virtual account to which the payment is transferred. . As a result, it is possible to prevent the partner bank from rejecting the receipt of the next deposit.

(1-5. Example of payment notification)
An example of notification of payment by transfer by the transfer payment service will be described below with reference to FIG. FIG. 4 is a diagram showing an example of notification of payment by transfer by the transfer payment service according to the embodiment. FIG. 4 shows an example of a deposit notification when a deposit is made to the user UX by the money transfer deposit service.

A screen D3-1 shown in FIG. 4 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. The screen D3-1 shown in FIG. 4 displays a general pop-up OB3-1 for notifying the user UX that the money has been deposited by the money transfer deposit service.

A screen D3-2 shown in FIG. 4 is an example of a notification detail screen displayed on the user terminal 10 according to the operation of the popup OB3-1 by the user UX. FIG. 4 shows an example in which detailed information corresponding to pop-up OB3-1 is displayed on screen D3-2, such as "30,000 yen was received from company A." As a result, the UXes of both companies can confirm that the money transfer payment service has functioned normally.

[2. Configuration of payment server]
Next, the configuration of the settlement server 100 will be described using FIG. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 5, the settlement server 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 10, the bank server 20, and the like.

(Regarding storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5 , the storage unit 120 has a virtual account information storage unit 121 , a user information storage unit 122 and an account information storage unit 123 .

(Regarding virtual account information storage unit 121)
The virtual account information storage unit 121 stores information about virtual accounts lent by partner banks. FIG. 6 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment; As shown in FIG. 6, the information about the virtual account stored in the virtual account information storage unit 121 has an item of "virtual account number" and an item of "status".

The “virtual account number” item stores an account number unique to each of a plurality of virtual accounts linked to the same bank account owned by the operator who operates the payment server 100 at the affiliated bank. Note that this virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination (remittance destination), and functions as a dedicated account for receiving various transfers. The "status" item stores information indicating whether or not the account number indicating the corresponding virtual account is in use (assigned to the service user).

For example, FIG. 5 shows that among virtual account numbers, "111111", "111112", and "111113" are in use, and "999999" is in unused state.

(Regarding the user information storage unit 122)
The user information storage unit 122 stores user information regarding service users of the money transfer service. 7 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. As shown in FIG. 7, the user information stored in the user information storage unit includes a "user ID" item, a "virtual account (account number)" item, and a "user name" item. , "place of work/employer", "employee number", "company name", "amount received (10,000 yen)", and "bank account for refund" item. These items of user information are associated with each other.

The item "user ID" stores identification information unique to the service user of the money transfer service. The item "virtual account (account number)" stores account number information indicating the virtual account assigned to the service user. Information indicating the name of the service user is stored in the "user name" item.

The "place of work/employer" item stores information indicating the name of the company where the service user works and the employer who employs the service user. It is assumed that the information about the place of work and the employer will be used for confirmation of the transfer source in the money transfer service for receiving salary.

The "employee number" item stores information indicating the employee number assigned to the service user at the place of work. It is assumed that the employee number will be used as a key to confirm the identity of the transfer source when there is an error in the transfer payment.

Information indicating the name of the service user at the place of work is stored in the item "name in company". It is assumed that the company's name will be used for confirmation of the account holder designated as the remittance destination.

Information indicating the amount of salary that the service user is expected to receive from the place of work or the employer is stored in the item of "amount to be received (10,000 yen)". It is envisioned that the amount to be received is used to pre-adjust so as not to exceed a predetermined amount.

Information indicating the bank account owned by the service user is stored in the item "bank account for refund". The bank account stored in the "bank account for refund" item will be changed if the amount of one deposit by the money transfer service exceeds a predetermined amount, or if the balance of the virtual account after reflecting the amount of deposit is a predetermined amount. If the balance exceeds the predetermined amount, the amount corresponding to the balance exceeding the predetermined amount is used as a refund destination of cash. In addition, items such as "place of work/employer", "employee number", "company name", "amount to be received (10,000 yen)", and "bank account for refund" Information corresponding to the item is stored when the service user applies for use of the money transfer service for receiving salary.

According to FIG. 7, the account number of the virtual account for deposit payment assigned to the service user identified by the user ID: "U001" is "111112", the name is "Tokyo Kenichi", It is shown that the "bank account for refund" is "ordinary account of D bank △△ branch ****".

(Regarding account information storage unit 123)
The account information storage unit 123 stores various types of information (account information) regarding an electronic money account (settlement account) owned by a service user in the electronic settlement service. 8 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; FIG. As shown in FIG. 8, the account information stored in the account information storage unit 123 includes a plurality of items such as an "account ID" item, an "owner ID" item, a "balance" item, and a "details" item. has an item. These items of account information are associated with each other.

The “account ID” item stores identification information for identifying an electronic money account (settlement account). The “owner ID” item stores identification information for identifying the owner who owns the electronic money account (settlement account) linked to the account ID. The same information as the information stored in the user ID item may be stored in the "owner ID" item.

Information indicating the money balance (total balance) of electronic money recorded in the electronic money account (settlement account) is stored in the "balance" item. Information indicating the breakdown of the money balance is stored in the "breakdown" item. Specifically, the "breakdown" item includes the "salary" item and the "other than salary" item. The "salary" item stores information indicating the balance of digital money transferred as a salary through a money transfer service for receiving salary. The "non-salary" item stores information indicating the balance of digital money transferred as other than salary through the money transfer service.

According to FIG. 8, the owner of the electronic money account identified by "account ID": "account 001" is the service user identified by owner ID: "U001", and the money balance is "100, 000”, indicating that all of the details are other than salary.

(Regarding the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the payment server 100 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using the RAM as a work area. It is realized by being executed. Also, the control unit 130 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 130 according to the embodiment includes a detection unit 131, a reflection unit 132, and a management unit 133, as shown in FIG. Realize or carry out.

(Regarding the detection unit 131)
The detection unit 131 detects a service from among a plurality of virtual accounts linked to the same bank account owned by a business operator (a business operator that provides a money transfer service) at a partner bank (an example of a “financial institution”). Detects remittances to dedicated accounts (virtual accounts) individually assigned to each user. When a transfer payment is detected, the detection unit 131 sends information such as the account number indicating the dedicated account (virtual account) in which the transfer payment was detected, the name of the account holder of the transfer destination (remittance destination), and the payment amount to the reflection unit 132. hand over to

In addition, when the amount of money transferred in one payment exceeds a predetermined amount, the detection unit 131 requests the affiliated bank to refuse acceptance of the money transfer.

In addition, when the balance of the virtual account after reflecting the deposited amount exceeds a predetermined amount, the detection unit 131 determines that the bank account linked in advance to the service user is the remittance destination, and the balance exceeds the predetermined amount. Send cash equivalent to minutes.

In addition, when the detected transferred money is money for salary receipt, the detection unit 131 may transmit a confirmation request for checking the content of the transferred money to the target user.

(Regarding the reflection unit 132)
When the detection unit 131 detects the transfer, the reflection unit 132 adds the amount of the transfer to the money balance indicating the balance of electronic money owned by the service user pre-associated with the dedicated account (virtual account). Reflect the deposit amount.

(Regarding the management unit 133)
When receiving a request to create a dedicated account (virtual account) from a service user, the management unit 133 selects a plurality of unused virtual accounts from among a plurality of virtual accounts lent in advance from partner banks. arbitrarily assign the virtual account selected in , as a dedicated account (virtual account) corresponding to the service user who requested the creation, and account information for identifying the allocated dedicated account (virtual account), and to the service user It is managed in association with unique identification information (for example, user ID).

In addition, the management unit 133 may allocate a dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account) (transfer payment other than salary, receipt of salary, etc.).

Also, if the purpose of use is not to receive a salary, the management unit 133 may allocate a dedicated account (virtual account) with a preset available time limit.

In addition, the management unit 133 may manage the money balance associated with the dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account).

[3. Processing procedure example]
(3-1. Account allocation process)
An example of the processing procedure in the settlement server 100 according to the embodiment will be described below. FIG. 9 is a flow chart showing an example of the processing procedure of account allocation processing executed by the settlement server according to the embodiment.

As shown in FIG. 9, the management unit 133 receives a request to create a dedicated account for the money transfer service (step S101). In addition, the management unit 133 accepts items necessary for creating an account in response to the request for creation of the dedicated account (step S102).

In addition, the management unit 133 allows the service user who requested the creation to select a virtual account arbitrarily selected from unused virtual accounts among the plurality of virtual accounts stored in the virtual account information storage unit 121. (step S103).

In addition, the management unit 133 associates the account information for specifying the dedicated account (virtual account) assigned in step S103 with identification information unique to the service user (for example, user ID), and stores the user information. It is registered in the section 122 (step S104).

In addition, the management unit 133 notifies the service user who requested the creation of the information regarding the account to be created (step S105), and terminates the processing procedure shown in FIG.

(3-2. Transfer payment reflection process)
FIG. 10 is a flow chart showing an example of a processing procedure of a transfer payment reflection process executed by the settlement server according to the embodiment.

As shown in FIG. 10, the detection unit 131 detects a transfer to a bank account linked to a virtual account (dedicated account) (step S201).

The reflection unit 132 confirms the details of the transfer detected in step S201 (step S202). Then, the reflection unit 132 executes processing according to the details of the transfer confirmed in step S202 (step S203), and ends the processing procedure shown in FIG.

[4. Modification]
(4-1. Recycling of virtual accounts)
In the above-described embodiment, the settlement server 100 cancels the allocation to the service user of dedicated accounts (virtual accounts) that are in use and that have been used for the money transfer payment service for a certain period of time. It may be in an unused state. In addition, the settlement server 100 may cancel the allocation of dedicated accounts (virtual accounts) that are in use only for dedicated accounts for money transfer services other than salaries.

(4-2. Configuration of information processing system 1)
In the above-described embodiment, an example has been described in which the settlement server 100 included in the information processing system 1 performs processing related to the electronic settlement service and also performs processing related to the money transfer service. However, the configuration of the information processing system 1 according to the embodiment does not need to be particularly limited to such an example, and a server device that performs processing related to the electronic payment service and a server device that performs processing related to the money transfer service are , may be physically different individual servers, or may be server devices belonging to different systems. In this case, each server device is communicatively connected in a state in which information required for each processing can be mutually exchanged.

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

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the settlement server 100 according to the embodiment has the detection unit 131 and the reflection unit 132. The detection unit 131 detects a transfer to a virtual account individually assigned to each user from among a plurality of virtual accounts linked to the same account owned by a business operator at partner financial institutions. The reflecting unit 132 reflects the received amount of the transferred money in the money balance indicating the balance of the electronic money owned by the user associated with the virtual account in advance, when the transferred money is detected.
have

As a result, the settlement server 100 according to the embodiment can provide service users with a scheme for receiving salaries in electronic money without imposing a burden on salary payers, and promote the use of digital payment of salaries. In addition, the scheme provided to the service user by the settlement server 100 according to the embodiment makes it possible to easily receive various types of deposits other than salaries in electronic money, which further enhances the superiority of electronic money. I can expect it.

Moreover, in the settlement server 100 according to the embodiment, the detection unit 131 requests the financial institution to refuse acceptance of the transfer payment when the amount of one payment exceeds a predetermined amount.

In addition, in the settlement server 100 according to the embodiment, when the money balance after reflecting the deposited amount exceeds a predetermined amount, the detection unit 131 selects the bank account linked in advance to the service user as the remittance destination. Remittance of cash equivalent to the balance exceeding a predetermined amount.

As a result, the settlement server 100 according to the embodiment can build a scheme that complies with retention regulations in the fund transfer business that are mandated by law.

In addition, when receiving a request to create a dedicated account (virtual account) from a service user, the settlement server 100 according to the embodiment creates a plurality of unused virtual accounts among a plurality of virtual accounts lent in advance from a financial institution. A virtual account arbitrarily selected from among is assigned as a dedicated account (virtual account) corresponding to the service user who requested the creation, and account information for identifying the assigned dedicated account (virtual account); It further has a management unit 133 that manages the service user in association with unique identification information.

Also, in the settlement server 100 according to the embodiment, the management unit 133 allocates a virtual account for each purpose of use of the dedicated account (virtual account). As a result, the settlement server 100 according to the embodiment can appropriately manage various types of information regarding service users who use the money transfer service.

In addition, in the settlement server 100 according to the embodiment, the management unit 133 allocates a virtual account with a preset usable time limit when the purpose of use is not to receive a salary. As a result, the settlement server 100 according to the embodiment can promote the metabolism of virtual accounts and encourage effective utilization of virtual accounts.

Also, in the settlement server 100 according to the embodiment, the management unit 133 manages the money balance associated with the virtual account for each purpose of use. Thereby, the settlement server 100 according to the embodiment can appropriately manage the money balance of the service user who uses the money transfer service.

[6. Hardware configuration]
Also, the settlement server 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 100 , the CPU 1100 of the computer 1000 implements the functions of the control unit 130 by executing programs loaded on the RAM 1200 . That is, the CPU 1100 implements processing by the payment server 100 according to the present embodiment in cooperation with a program (for example, an information processing program) loaded onto the RAM 1200 . Further, each data in the storage device of the settlement server 100 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 100 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

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

1 information processing system 10 user terminal 20 bank server 100 settlement server 110 communication unit 120 storage unit 121 virtual account information storage unit 122 user information storage unit 123 account information storage unit 130 control unit 131 detection unit 132 reflection unit 133 management unit

Claims (4)

A detection unit that detects a bank transfer to a virtual account that is individually assigned to each user from among multiple virtual accounts linked to the same account owned by a business operator at an affiliated financial institution;
a reflecting unit that reflects the amount of the money transfer to a money balance indicating the balance of electronic money owned by the user that is pre-associated with the virtual account when the money transfer is detected;
When a request for creation of the virtual account is received from the user, the virtual account arbitrarily selected from among the plurality of unused virtual accounts among the plurality of virtual accounts lent in advance from the financial institution , a management unit that arbitrarily assigns the virtual account corresponding to the user who requested creation, and manages account information for identifying the assigned virtual account in association with identification information unique to the user. and
The management department
Allocating the virtual account for each purpose of use of the virtual account,
An information processing apparatus, characterized in that, when the purpose of use is not to receive a salary, the virtual account with a preset available time limit is allocated. A detection unit that detects a bank transfer to a virtual account that is individually assigned to each user from among multiple virtual accounts linked to the same account owned by a business operator at an affiliated financial institution;
a reflecting unit that reflects the amount of the money transfer to a money balance indicating the balance of electronic money owned by the user that is pre-associated with the virtual account when the money transfer is detected;
When a request for creation of the virtual account is received from the user, the virtual account arbitrarily selected from among the plurality of unused virtual accounts among the plurality of virtual accounts lent in advance from the financial institution , a management unit that arbitrarily assigns the virtual account corresponding to the user who requested creation, and manages account information for identifying the assigned virtual account in association with identification information unique to the user. and
The detection unit is
requesting the financial institution to refuse acceptance of the transfer payment if the amount of said payment at one time exceeds a predetermined amount;
The management department
Allocating the virtual account for each purpose of use of the virtual account,
An information processing apparatus, characterized in that, when the purpose of use is not to receive a salary, the virtual account with a preset available time limit is allocated. A detection unit that detects a bank transfer to a virtual account that is individually assigned to each user from among multiple virtual accounts linked to the same account owned by a business operator at an affiliated financial institution;
a reflecting unit that reflects the amount of the money transfer to a money balance indicating the balance of electronic money owned by the user that is pre-associated with the virtual account when the money transfer is detected;
When a request for creation of the virtual account is received from the user, the virtual account arbitrarily selected from among the plurality of unused virtual accounts among the plurality of virtual accounts lent in advance from the financial institution , a management unit that arbitrarily assigns the virtual account corresponding to the user who requested creation, and manages account information for identifying the assigned virtual account in association with identification information unique to the user. and
The detection unit is
If the money balance after reflecting the deposit amount exceeds a predetermined amount, the amount corresponding to the balance exceeding the predetermined amount will be transferred to the bank account linked to the user in advance. send cash,
The management department
Allocating the virtual account for each purpose of use of the virtual account,
An information processing apparatus, characterized in that, when the purpose of use is not to receive a salary, the virtual account with a preset available time limit is allocated. A detection unit that detects a bank transfer to a virtual account that is individually assigned to each user from among multiple virtual accounts linked to the same account owned by a business operator at an affiliated financial institution;
a reflecting unit that reflects the amount of the money transfer to a money balance indicating the balance of electronic money owned by the user that is pre-associated with the virtual account when the money transfer is detected;
When a request for creation of the virtual account is received from the user, the virtual account arbitrarily selected from among the plurality of unused virtual accounts among the plurality of virtual accounts lent in advance from the financial institution , a management unit that arbitrarily assigns the virtual account corresponding to the user who requested creation, and manages account information for identifying the assigned virtual account in association with identification information unique to the user. and
The detection unit is
requesting the financial institution to refuse acceptance of the transfer payment if the amount of said payment at one time exceeds a predetermined amount;
If the money balance after reflecting the deposit amount exceeds a predetermined amount, the amount corresponding to the balance exceeding the predetermined amount will be transferred to the bank account linked to the user in advance. send cash,
The management department
Allocating the virtual account for each purpose of use of the virtual account,
An information processing apparatus, characterized in that, when the purpose of use is not to receive a salary, the virtual account with a preset available time limit is allocated.

Images