JP7289412B1 - Information processing device, information processing method and information processing program - 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 reception section, a reflection section, and a transfer processing section. The reception unit receives a transfer request including information on the transfer destination and the transfer amount. If there is an electronic money account linked to the transfer destination, the reflection unit reflects the transfer amount on the balance of the electronic money account. If there is no electronic money account linked to the transfer destination, the transfer processing unit transfers the transfer amount to the transfer destination. [Selection drawing] Fig. 1

Description

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

Conventionally, cashless payment means in commercial transactions mainly between companies and individuals have been widely recognized by consumers. In particular, due to its convenience, electronic payment services performed online using user terminals such as smartphones owned by individual users are becoming widely popular among consumers. For example, a service provider that provides an electronic payment service manages the balance of an electronic money account that can be used by a service user in association 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 fund transfer account (or wallet) to the company that pays the salary. requires man-hours, making it difficult to provide prompt service.

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 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 reception unit, a reflection unit, and a transfer processing unit. The reception unit receives a transfer request including information on the transfer destination and the transfer amount. If there is an electronic money account linked to the transfer destination, the reflecting unit reflects the transfer amount on the balance of the electronic money account. The transfer processing unit transfers the transfer amount to the transfer destination when there is no electronic money account linked to the transfer destination.

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 overview of information processing according to the embodiment. FIG. 2 is a diagram illustrating an overview of acceptance processing according to the embodiment. FIG. 3 is a diagram illustrating an overview of charge processing according to the embodiment. FIG. 4 is a diagram showing an overview of transfer processing according to the embodiment. FIG. 5 is a diagram illustrating a configuration example of an information processing system according to the embodiment; FIG. 6 is a diagram showing a configuration example of a payment server according to the embodiment. 7 is a diagram illustrating an example of information stored in a request information storage unit according to the embodiment; FIG. 8 is a diagram illustrating an example of information stored in a correspondence information storage unit according to the embodiment; FIG. 9 is a diagram illustrating an example of information stored in a wallet information storage unit according to the embodiment; FIG. FIG. 10 is a flowchart illustrating an example of a processing procedure of reception processing according to the embodiment; FIG. 11 is a flowchart illustrating an example of a processing procedure of payment processing according to the embodiment; FIG. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement 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. Example of information processing according to the embodiment]
Information processing realized by the information processing apparatus and the like according to the present embodiment will be described with reference to FIGS. 1 to 4. FIG.

[1-1. Overview of information processing according to the embodiment]
FIG. 1 is a diagram illustrating an overview of information processing according to the embodiment.

As shown in FIG. 1, the information processing system SYS according to this embodiment includes a business operator X system SYS-1 and a business operator Y system SYS-2. In the following description, the operator X system SYS-1 may be referred to as the operator X, and the operator Y system SYS-2 may be referred to as the operator Y.

The business operator X system SYS-1 is, for example, a business management system operated and managed by a business operator X that runs a predetermined business. The provider X system SYS-1 is realized by, for example, a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation.

In addition, instead of the operator X system SYS-1, the operator X may, for example, use a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant ) or an information processing device such as a wearable terminal.

Business operator Y system SYS-2 is a business management system operated and managed by business operator Y, which runs a business that provides various services related to digital money. Business operator Y system SYS-2 includes a payment server 100, which is an example of an information processing device according to an embodiment.

Note that FIG. 1 shows an example of the business operator Y system SYS-2. Although description is omitted, the business operator Y system SYS-2 may include a settlement system (for example, a server device) that executes settlement processing in a settlement means or settlement service.

The payment server 100 is realized by a single server device, a workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

The settlement server 100 manages deposits and withdrawals of digital money accounts (hereinafter referred to as “money accounts”) owned by service users in order to use the electronic settlement services provided by the business operator Y. Service users may include business users such as business operators who provide transaction objects, and individual users such as general consumers who receive transaction objects from business operators.

The settlement server 100 implements money charging by transferring digital money between money accounts in accordance with charging instructions from service users. In addition, digital money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen and the dollar. good.

The settlement server 100 executes processing related to various services related to digital money (electronic money) provided by the business operator Y to service users.

The various services described above are not limited to those for providing consideration for the purchase of goods or the provision of services (settlement of obligations), such as settlement means and settlement services. For example, the various services described above may have functions related to remittances between accounts owned by multiple users. That is, the various services described above may include services for controlling transmission and reception of digital money between accounts of any owner linked to the owner of digital money, such as service users and shops. In other words, the various services according to the embodiments include various controls for realizing the exchange of digital money (not only control of various inter-account remittances via electronic money, but also control related to exchanges between an electronic money account and a bank account, Any type of transaction means or transaction service may be provided as long as it executes various types of credit processing such as division, processing associated with bonus payments, and various controls related to the exchange of properties including electronic money. 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. That is, the settlement server 100 may be an information processing device such as a server device that realizes transaction means for controlling the exchange of electronic money between arbitrary owners.

Further, the various services related to digital money provided by the business operator Y include an account service that provides service users with an electronic money account that is linked one-to-one with an account held by the business operator Y. Further, various services related to digital money provided by business operator Y include a money charge service for charging a predetermined account with digital money.

Electronic money accounts include wallets associated with accounts granted to service users. The wallet accepts deposits of digital money (addition of balance) and withdrawals of digital money (withdrawal of balance).

In the following, the information processing executed by the operator Y system SYS-2 will be described with reference to a case where the operator X is a service user of the service provided by the operator Y. FIG.

In FIG. 1, the company Y system SYS-2 executes a payment agency service for paying salaries from company X, which is an employer, to the wallets and accounts of employees on behalf of them.

Note that the settlement server 100 may make payments to one wallet or one account, or may make payments to a plurality of wallets and a plurality of accounts. That is, the payment server 100 can make payments to at least one of one or more wallets and one or more accounts.

In addition, FIG. 1 shows an example of an information processing system SYS according to the present embodiment. may include other devices not shown.

As shown in FIG. 1, the company Y system SYS-2 receives a transfer request from the company X system SYS-1 operated by the company X (step S1).

The transfer request sent by business operator X contains the items of "transaction number", "financial institution", "branch number", "type", "account name", and " It includes an item of "payment amount" and an item of "payment date".

In the items of "financial institution", "branch number", "type" and "account name", information on accounts held by employees to whom the business operator X pays salaries is recorded. Information on the amount of salary paid to the employee by the business operator X is recorded in the item of "payment amount". Information relating to the date on which the business operator X pays the employee is recorded in the "payment date" item.

FIG. 1 shows five transfer requests. Note that the transfer request made by the business operator X may be four or less, or six or more.

In the example of FIG. 1, the transaction number: "001", the bank number: "818" of the financial institution: "XX bank", the account name: "AAAA", the payment amount: "300,000", and the payment date: "10/ This is a transfer request to pay to 21.

Transaction number: "002" is a bank transfer request to pay "600,000" to "BBBB" account name of "123" account name of financial institution: "XX bank" on payment date: "10/21" is.

Transaction number: "003" is a bank transfer request for payment of "800,000" to "CCCC" account name of "234" branch number of financial institution: "Bank A" on payment date: "10/21" is.

FIG. 1 shows an example in which business operator X requests a plurality of payments (transactions) with one transfer request, but may request one payment (transaction) with one transfer request.

When the settlement server 100 receives a transfer request from the requesting business operator X, it performs a link determination process to determine whether or not there is an electronic money account (wallet) linked to the transfer destination of the transfer request (step S2). For example, the settlement server 100 stores correspondence between user accounts and electronic money accounts (wallets). Based on this correspondence relationship, the settlement server 100 determines whether or not the account to which the transfer request is transferred is linked to the electronic money account (wallet).

Here, for example, the account linked with the electronic money account is a virtual account (virtual account) linked to the user (employee) who uses the electronic money account. For example, the settlement server 100 lends out a virtual account linked to an electronic money account in response to a request from a user of the electronic money account. The user designates this virtual account to the business operator Y as a salary payment account. The settlement server 100 links and manages the lent virtual account and the electronic money account.

If there is a wallet (electronic money account) linked to the account indicating the transfer destination, the settlement server 100 performs charge processing for the wallet (step S3), and reflects the transfer amount in the balance of the wallet.

On the other hand, if there is no wallet (electronic money account) linked to the account indicating the transfer destination, the settlement server 100 executes transfer processing for the account (step S4), and transfers the amount to the financial institution account that is the transfer destination. be transferred.

Thus, the information processing according to the present embodiment is divided into reception processing for receiving a transfer request from a requester, charge processing for charging the wallet with the transfer amount, and transfer processing for transferring the transfer amount to an account.

[1-1-1. Overview of reception processing according to the embodiment]
FIG. 2 is a diagram illustrating an overview of acceptance processing according to the embodiment. The acceptance process is executed by the settlement server 100, for example, when the business operator X requests a transfer.

As shown in FIG. 2, the settlement server 100 receives a transfer request from the business operator X system SYS-1 (step S11).

The settlement server 100 determines whether or not there is a wallet corresponding to the transfer destination (account) included in the transfer request (hereinafter also referred to as a corresponding wallet) (step S12). The settlement server 100 determines whether or not there is a compatible wallet by executing the linking determination process of FIG. 1, for example.

The settlement server 100 updates the transfer information regarding the transfer request (step S13). For example, the settlement server 100 updates the transfer information by associating information indicating that there is a corresponding wallet with a transfer destination that has a corresponding wallet. In the example of FIG. 2, the settlement server 100 associates the transfer destination with the corresponding wallet by adding an identifier (star in FIG. 2) to the transfer destination for which the corresponding wallet exists.

The settlement server 100 issues an invoice to the business operator X in order to charge the business operator X for the costs incurred when the transfer request is executed (step S14). For example, the settlement server 100 issues a bill with the sum of the transfer amount and the transfer fee as the billed amount. This transfer fee is a fee for the transfer performed by the business operator Y, and may be different from the fee for transferring money to a financial institution account.

The settlement server 100 receives payment of the billed amount from the business operator X (step S15). The settlement server 100, for example, accepts payment of the billed amount from the business operator X, and ends the acceptance process.

Note that the settlement server 100 may check the status of the corresponding wallet in addition to the presence or absence of the corresponding wallet in step S12. For example, if there is a corresponding wallet, the settlement server 100 checks whether or not the corresponding wallet is incapable of receiving funds (for example, is in a suspended (frozen) state). In addition to the above-mentioned frozen electronic money account (supported wallet), the corresponding wallet cannot be used for deposits (suspended use). There may be situations where it is not possible.

If the corresponding wallet is in a non-depositable state (for example, in a suspended state), the settlement server 100 can notify the business operator X that the account corresponding to this wallet is non-depositable. The settlement server 100 may notify the business operator X of the information on the account that cannot be deposited together with the invoice issued in step S14. Alternatively, the settlement server 100 may notify the business operator X of information regarding an account that cannot be paid into, separately from the invoice.

Note that the reception processing shown in FIG. 2 is an example, and processing other than the processing described above may be performed as the reception processing. For example, the payment server 100 may accept payment from the business operator X at the timing of accepting the transfer request in step S11. That is, the timing of accepting the transfer request and the timing of accepting the deposit may be the same. In this case, the settlement server 100 can omit issuing the bill in step S14.

Further, if the period from receiving the transfer request to receiving the deposit is short, the settlement server 100 may execute the processes of steps S12 and S13 after step S15. For example, if the payment server 100 accepts a payment after accepting a transfer request, the payment server 100 can determine whether there is a corresponding wallet and update the transfer information after accepting the payment.

[1-1-2. Overview of Charge Processing According to Embodiment]
FIG. 3 is a diagram illustrating an overview of charge processing according to the embodiment. The charging process is executed by the settlement server 100 on the payment date, for example. Here, the settlement server 100 charges the wallet (wallets #1 and #3 in FIG. 3) linked to the account in the transfer information (see FIG. 2) with the transfer amount.

First, the settlement server 100 determines whether the wallet #1 has an excess balance (step S21). For example, if the upper limit of the balance is set in the wallet, and if the amount after charging exceeds the upper limit, it is not possible to charge more (more than the upper limit).

Therefore, the settlement server 100 determines whether or not the transfer amount exceeds the upper limit when the transfer amount is reflected in the balance of the wallet #1. In the case of wallet #1, even if the transfer amount is reflected, the balance does not exceed the upper limit.

In this case, the settlement server 100 reflects the transfer amount in wallet #1 (step S22).

Next, the settlement server 100 determines whether the wallet #3 has an excess balance (step S23). In the case of wallet #3, it is assumed that the balance exceeds the upper limit when the transfer amount is reflected.

In this case, the settlement server 100 reflects part of the transfer amount in wallet #3 (step S24). The settlement server 100 charges the wallet #3 so that the balance of the wallet #3 reaches the upper limit. Alternatively, the settlement server 100 may charge the balance set by the wallet #3 user.

The settlement server 100 instructs the financial institution (Bank A in FIG. 3) to transfer the excess amount of wallet #3 (step S25). For example, the settlement server 100 instructs Bank A to deposit the rest of the transfer amount, excluding the amount charged to wallet #3, into a designated account designated by the user. Bank A transfers the excess amount to the designated account of the wallet #3 user (wallet #3 designated account) according to the instruction from the settlement server 100 (step S26).

In the example of FIG. 3, the user of wallet #3 has specified the account of Bank A. In this case, for example, the settlement server 100 transfers the excess amount from the bank A account owned by the business operator Y (hereinafter also referred to as the business Y account) to the designated account designated by the user of the wallet #3. If business operator Y does not have an account at bank A, the settlement server 100 can make a transfer from the business operator Y account of another bank to a designated account.

Note that the settlement server 100 may notify the operator X of the payment result. At this time, the settlement server 100 can notify the operator X that the payment has been made, or that the payment has not been made because the payment is not possible. For example, when the payment server 100 accepts the transfer request, the corresponding wallet that was able to receive the money is not allowed to receive money for some reason (for example, it is suspended (frozen), etc.) by the payment date. This is because

Further, although the upper limit is set for the balance of the wallet here, another upper limit may be set for the wallet other than the upper limit of the balance. For example, the upper limit of the charge amount may be specified by the user of the wallet. In this case, the settlement server 100 cannot charge more than the amount (maximum amount).

This charge limit setting may be performed for the wallet, or may be performed for depositing into an account linked to the wallet. In other words, the user may set the upper limit of charge when the wallet is charged regardless of the transfer source, or may set the upper limit of charge only for salary transfer from business operator X. .

When a maximum charge amount is set and the transfer amount exceeds the charge amount, the settlement server 100 reflects the set upper limit amount of the transfer amount to the balance of the wallet, and transfers the remaining amount to the wallet. Transfer to the account designated by the user.

[1-1-3. Overview of transfer processing according to the embodiment]
FIG. 4 is a diagram showing an overview of transfer processing according to the embodiment. Transfer processing is executed by the settlement server 100 and each bank, for example, on the payment date. The settlement server 100 transfers the transfer amount to an account that does not have a corresponding wallet in the transfer information (see FIG. 2) by executing transfer processing.

First, the settlement server 100 instructs each bank to transfer the amount to be transferred (step S31).

In the example of FIG. 4, the settlement server 100 instructs Bank A to transfer the amount to be transferred to the account with the account name: "CCCC". The settlement server 100 instructs Bank B to transfer the transfer amount to the account with the account name: "DDDD".

The settlement server 100 instructs the XX bank to transfer the transfer amount to the account with account name: "BBBB". The settlement server 100 instructs the XX bank to transfer the transfer amount to the Y bank's account name: "GGGG".

Next, each bank transfers the transfer amount to the specified account (step S32). Each bank makes a transfer from the business operator Y account to the designated account. If the designated account is its own bank account, the bank transfers the money from the business operator Y account to the designated account. If the specified account does not appear in its own bank account, the bank transfers the money from the business operator Y account to the specified account of another bank.

In the example of FIG. 4, A bank transfers the transfer amount from the business operator Y account to the account with account name: "CCCC". Bank B transfers the transfer amount from the business operator Y account to the account with the account name: "DDDD". XX bank transfers the transfer amount from the business operator Y account to the account with the account name: "BBBB". XX bank transfers the transfer amount from the business operator Y account to the Y bank account name: "GGGG" account.

Note that the settlement server 100 may notify the business operator X of the transfer result. At this time, the settlement server 100 can notify the business operator X that the money has been transferred or that the money could not be transferred.

When instructing one bank to make a plurality of transfers, the settlement server 100 may instruct the bank to make transfers one by one, or may instruct a plurality of transfers at once using a list or the like.

In addition, the settlement server 100 can set a “transfer holder” and instruct each bank to make a transfer. For example, the settlement server 100 sets a “transferee name” specified by the business operator X and instructs each bank to make the transfer. As a result, the payee (for example, an employee) can more easily confirm that the transfer source is the business operator X.

According to this embodiment, if there is an electronic money account (for example, a wallet) linked to the transfer destination (account) of the transfer request, the payment server 100 reflects the transfer amount in the balance of the electronic money account. On the other hand, if there is no electronic money account (for example, wallet) linked to the transfer destination (account) of the transfer request, the settlement server 100 transfers the transfer amount to the transfer destination account. It is assumed that the settlement server 100 holds in advance information regarding which account is linked to which electronic money account.

Employer X, who pays salaries, does not need to recognize whether the employee's payee's payee (account) is linked to an electronic money account, and manages payee payees in the same way as other bank transfers. can do.

Thereby, the settlement server 100 can promote the use of digital salary payment.

In addition, when the payee is associated with an electronic money account, the settlement server 100 directly reflects the transfer amount in the balance of the electronic money account without going through the bank. Therefore, the settlement server 100 can further reduce the transfer fee to be paid to the bank. In this way, the settlement server 100 can further reduce the cost of transferring salaries.

Although the settlement server 100 performs at least one of the charge processing and the transfer processing on the payment date, the date on which the settlement server 100 performs at least one of the charge processing and the transfer processing is not limited to the payment date.

For example, the settlement server 100 may execute at least one of charge processing and transfer processing without waiting until the date of payment after receiving payment from business operator X. For example, if the payment date is not specified by the business operator X, the settlement server 100 can execute at least one of charge processing and transfer processing immediately after accepting the payment (in other words, after executing the acceptance processing). For example, if the business operator X specifies a payment date that instructs payment to be completed by this date instead of the payment date, the payment server 100 executes the acceptance process and then by the specified payment date. At least one of charge processing and transfer processing is executed.

Note that if the timing of executing the reception process is close to the timing of executing at least one of the charging process and the transfer process, the settlement server 100 determines whether there is a wallet in the reception process and updates the transfer information (see FIG. 2). (see steps S12 and S13) can be omitted.

For example, the settlement server 100 sequentially determines whether or not there is a wallet for each transaction, and executes charge processing or transfer processing according to the determination result. Alternatively, if the payment is received at the same time (or at a similar timing) as the transfer request is received in the reception process, the settlement server 100 performs charge processing or transfer processing according to the determination result after determining whether or not there is a wallet after the payment. may be executed. In this way, the settlement server 100 can execute at least one of the charge process and the transfer process during the acceptance process.

[2. Configuration of information processing system]
[2.1. Overall configuration of information processing system]
FIG. 5 is a diagram illustrating a configuration example of the information processing system SYS according to the embodiment. The information processing system SYS 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 connected via a network N by wire or wirelessly so as to be able to communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

The information processing system SYS shown in FIG. 5 may include a plurality of user terminals 10, a plurality of bank servers 20, and a plurality of settlement servers 100. FIG.

(Payment server 100)
A settlement server 100 shown in FIG. 5 is an information processing device that executes the above-described information processing, 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 the user terminal 10 (hereinafter referred to as “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.

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.

(User terminal 10)
A user terminal 10 shown in FIG. 5 is an information processing device used by a general consumer who receives a transaction object from a store and a user who uses the 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. The user terminal 10 displays information distributed by the settlement server 100 using a web browser or an application.

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.

(Bank server 20)
A bank server 20 shown in FIG. 5 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 (debited amount, debited date and time, etc.) and current account information. (account balance, etc.) are managed in association with the account holder.

(Payment 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 a store Z (not shown), which indicates store identification information for identifying the store Z, is used to An example in which a user who receives a transaction object performs settlement 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 purchases or uses transaction objects such as various products and services at store Z, the user activates a user application pre-installed on the user terminal 10 .

Then, the user photographs the two-dimensional code installed at the store Z via the user application. In this 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 or the store Z store clerk.

The user terminal 10 stores user identification information for identifying the user, shop identification information (or information indicated by the shop identification information, that is, information indicating the shop Z (for example, shop ID)), and a payment amount. The transaction information included is transmitted to the settlement server 100 .

When the payment server 100 receives the transaction information from the user terminal 10, the payment amount corresponding to the payment amount is transferred from the account (or wallet) of the user indicated by the user identification information to the account of the store Z indicated by the store identification information. Migrate electronic money. At this time, the settlement server 100 may deduct a predetermined fee to be charged to the store Z from the amount of electronic money corresponding to the settlement amount, and then transfer the electronic money to the account of the store Z.

The settlement server 100 then transmits a notification that the transaction has been completed to the user terminal 10 . In this case, the user terminal 10 notifies the user 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 indicated by the user identification information, manages it as sales information of the store Z, and at a predetermined timing, pays the amount of cash corresponding to the sales. may be transferred to the bank account owned by store Z. In this case, the payment server 100 may notify the user that the electronic money transaction is completed at the timing when the electronic money corresponding to the payment amount is withdrawn from the user's account.

Note that the settlement using the user terminal 10 is not limited to the processing described above. For example, settlement using the user terminal 10 may be performed using a terminal device installed at the store Z (hereinafter referred to as "store terminal").

Specifically, first, the user terminal 10 displays code information indicating user identification information for identifying the user on the screen. In this case, the store 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, information indicating the user ( For example, the transaction information including the user ID)), the settlement amount, and the information identifying the store Z is transmitted to the settlement server 100 .

The settlement server 100 receives the transaction information from the store terminal, and transfers electronic money corresponding to the settlement amount from the account of the user indicated by the user identification information to the account of the store Z. 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 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 indicated by the user identification information, manages it as sales information of the store Z, and manages the amount of cash equivalent to the sales at a predetermined timing. may be transferred to the bank account owned by store Z. In this case, the settlement server 100 may notify the clerk or the user that the electronic money transaction is completed at the timing when the electronic money equivalent to the settlement amount is withdrawn from the user's account.

In addition to (or in place of) the process of transferring electronic money from the account charged with electronic money by the user to the account of the store Z, the payment using the user terminal 10 can be performed, for example, by the user registering in advance. Payment may be made using a credit card. In this case, for example, the user terminal 10 transfers the amount of electronic money indicated by the settlement amount to the account of store Z, and charges the user's credit card management company for the amount indicated by the settlement amount. may

In addition to (or instead of) the process of transferring electronic money from the account of the user to the account of the store Z, the settlement using the user terminal 10 can be performed, for example, from the account of the user to the account of another user. and electronic money (that is, remittance between users).

For example, the user terminal 10 used by the user of the remittance source stores 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). Reads and accepts the input of the remittance amount from the user. The user terminal 10 transmits to the settlement server 100 information indicating the read identification information, the remittance amount, and the user identification information identifying the user.

In this case, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the user's account to the remittance destination user's account. Then, the settlement server 100 notifies the user terminal 10 or the terminal device used by the user of the remittance destination that the remittance has been performed by outputting a screen indicating that the remittance is completed or a predetermined voice. may

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, The amount and user identification information for identifying the user 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 user's account to the user's account 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 the specification of the user (remittance destination) registered in the user application and the input of the remittance amount to the user. The user terminal 10 transmits to the settlement server 100 the telephone number or user ID associated with the designated user, the remittance amount, and user identification information that identifies the user.

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, when the user terminal 10 receives an input of the remittance amount from the user, the user terminal 10 generates link information for receiving the remittance amount and transmits an e-mail containing the link information. Alternatively, the user terminal 10 may post posted information including link information to an SNS (Social Networking Service). Thereby, the user terminal 10 provides the link information to the terminal device used by the user of the remittance destination.

Then, when the remittance destination user selects the link information and performs a receiving operation, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the user's account to the remittance destination user's account. Let

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 and a store.

In other words, the payment means and payment service according to the embodiments provide various controls for realizing exchange of electronic money (in addition to (or instead of) various inter-account remittance controls via electronic money), an electronic money account and a bank account. If it is a transaction means or transaction service that executes control on exchanges between customers, various credit processing such as processing associated with division and bonus payments, and various controls on exchanges of property including electronic money), it can be provided in any form. can be anything.

In addition, the various controls implemented by such transaction means and transaction services may include both control related to settlement and control related to remittance, or may include either 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.

[2.2. Configuration of payment server]
FIG. 6 is a diagram showing a configuration example of the settlement server 100 according to the embodiment. As shown in FIG. 6, the settlement server 100 has a communication section 110, a storage section 120, and a control section .

(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.

(storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 6 , the storage unit 120 has a request information storage unit 121 , correspondence information storage unit 122 and wallet information storage unit 123 .

(Request information storage unit 121)
FIG. 7 is a diagram showing an example of information stored in the request information storage unit 121 according to the embodiment. The request information storage unit 121 stores request information regarding a transfer request from the business operator X who is the request source.

As shown in FIG. 7, the request information includes a "transaction number" item, a "financial institution" item, a "branch number" item, a "type" item, an "account name" item, and a "payment amount" item. , and at least one of the items of "payment date". Note that FIG. 7 shows an example of request information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

A number that identifies a transaction between the business operator X and the business operator Y is stored in the “transaction number” item.

In the items of "financial institution", "branch number", "type" and "account name", information on accounts held by employees to whom the business operator X pays salaries is recorded. The "financial institution" item stores the name of the financial institution (for example, bank) in which the account is opened. The "branch number" field stores the branch number of the financial institution where the account was opened. Here, the request information includes information on "financial institution" and "branch number", but instead of (or in addition to) these, identification information for identifying the financial institution, branch code, In addition, a branch number and the like may be included.

The item "type" stores the type of the account. The item "account name" stores the name of the account holder. This name is, for example, the name of an employee whose salary the business operator X pays.

The amount of salary that the business operator X pays to the employee is recorded in the item of "payment amount". The date on which the employer X pays the employee is recorded in the "payment date" item.

Note that in FIG. 7, the request information includes corresponding wallet information regarding the presence or absence of a corresponding wallet. For example, in FIG. 7, corresponding wallet information indicating that there is a wallet associated with the account (corresponding wallet) is indicated by an asterisk. In other words, there is a corresponding wallet in the transfer destination account of the transfer transaction marked with an asterisk (for example, transaction number: "001", "006").

Also, the request information may include items other than the items described above. For example, the request information may include information such as "account number".

Although a case where the corresponding wallet information is indicated by a star is shown here, the corresponding wallet information is not limited to a star. For example, the request information may include a "wallet" item that stores the presence or absence of a compatible wallet. In this case, for example, if there is a compatible wallet, the settlement server 100 stores information to that effect in the "wallet" item.

(Correspondence information storage unit 122)
FIG. 8 is a diagram showing an example of information stored in the correspondence information storage unit 122 according to the embodiment. The correspondence information storage unit 122 stores correspondence information related to wallets linked to accounts (corresponding wallets).

Corresponding information includes information on accounts and information on electronic money accounts (wallets). Note that FIG. 8 shows an example of correspondence information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

The information about the account includes at least one of the items of "financial institution", "branch number", and "account name". The "financial institution" item, the "branch number" item, and the "account name" item store the same information as the item with the same name included in the request information.

The information about the electronic money account (wallet) includes items of "Wallet ID" and "Status". “Wallet ID” stores the identification information of the wallet. The “status” item stores the state of the wallet identified by the “wallet ID”. Wallet states include, for example, a state of being used (“in use”) and a state of being unusable due to freezing (“suspended”).

In the example of FIG. 8, the wallet with the wallet ID: "Wallet ID #1" is associated with the account name: "AAAA" with the branch number: "818" of the financial institution: "XX Bank". The status of this wallet is "in use".

The wallet with wallet ID: "Wallet ID#3" is linked to the account name: "FFFF" with branch number: "818" of financial institution: "XX bank". The status of this wallet is "in use".

The wallet with wallet ID: "Wallet ID #8" is linked to the account name: "HHHH" of financial institution: "XX bank" with branch number: "818". The status of this wallet is "suspended".

The wallet with wallet ID: "Wallet ID#12" is linked to the account name: "SSSS" with branch number: "818" of financial institution: "XX bank". The status of this wallet is "in use".

Note that the account linked to the wallet is a virtual account lent by the partner bank as described above. If the financial institution and branch number of the virtual account are the same, the items "financial institution" and "branch number" may be omitted from the account information.

In addition, the above-mentioned information regarding accounts is an example. The information about the account should just include the information used to specify the account of the request information. For example, the information about the account may include information for identifying the virtual account (eg, virtual account number).

Also, the information about the wallet described above is an example. Wallet information should include information used to identify the wallet linked to the account. For example, information about the wallet may include information about the name of the holder of the wallet.

The virtual account and the wallet corresponding to this account may have the same name or different names. For example, if the account name of the virtual account (for example, the first name) and the name of the wallet (for example, the second name) are different, the payment server 100 can notify the operator X to that effect. The confirmation of the name can be performed at the timing when the settlement server 100 determines whether or not there is a compatible wallet, for example.

In this case, the settlement server 100 can, for example, notify the business operator X that the name is different at the same time as issuing the bill. The settlement server 100 reflects the transfer amount in the balance of the wallet when the name of the virtual account and the name of the wallet are the same. On the other hand, if the name of the virtual account and the name of the wallet are different, the settlement server 100 reflects the transfer amount in the balance of the wallet. As a result, the settlement server 100 can more securely transfer money to the corresponding wallet.

(Wallet information storage unit 123)
FIG. 9 is a diagram showing an example of information stored in the wallet information storage unit 123 according to the embodiment. The wallet information storage unit 123 stores wallet information related to wallets. FIG. 9 shows an example of wallet information according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 9, the wallet information has at least one of a "wallet" item and a "financial institution account" item. The “wallet” item includes a “wallet ID” item and a “balance” item.

The “wallet ID” item stores a wallet ID, which is identification information for identifying a wallet. Information indicating the money balance of the 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 wallet. This account number is used as the payment destination of the wallet balance.

For example, wallet information is stored per wallet. In the example of FIG. 9, the balance of wallet ID: "wallet #1" is "balance EX1". Also, the payout destination of wallet ID: "wallet #1" is "account #001".

(control unit 130)
A controller 130 shown in FIG. 6 is a controller. The control unit 130 is realized by executing various programs stored in a storage device inside the payment server 100 using a RAM as a work area, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit). be.

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 reception unit 131, a determination unit 132, an issuing unit 133, a request execution unit 134, and a notification unit 135, as shown in FIG. The control unit 130 implements or executes information processing functions and actions described below by these units.

(Reception unit 131)
The receiving unit 131 receives a transfer request from the business operator X. In addition, the reception unit 131 receives payment from the business operator X for the invoice notified by the notification unit 135 .

The receiving unit 131 stores the received transfer request in the request information storage unit 121 as request information. Further, the reception unit 131 notifies the determination unit 132 of the transfer request.

(Determination unit 132)
Determines whether or not there is a wallet (corresponding wallet) linked to the transfer destination account included in the transfer request. At this time, the determination unit 132 can check the state of the wallet. Also, the determination unit 132 can determine whether or not the name of the wallet matches the name of the account of the transfer destination.

The determination unit 132 updates the request information stored in the request information storage unit 121 based on the determination result of the presence or absence of the compatible wallet.

Also, the determination unit 132 notifies the issuing unit 133 of the determination result as to whether or not there is a compatible wallet. The determination unit 132 can notify the issuing unit 133 of the state of the wallet and the determination result of name match/mismatch.

(Issuing unit 133)
The issuing unit 133 issues a bill based on the transfer request and the determination result of the presence or absence of the compatible wallet. The issuing unit 133 determines the amount to be charged to the business operator X based on the total transfer amount included in the transfer request and the fee corresponding to the transfer transaction. The issuing unit 133 issues a bill for the determined billing amount. Issuing unit 133 outputs the issued invoice to notification unit 135 .

At this time, the issuing unit 133 may change the amount of the transfer transaction fee depending on whether there is a corresponding wallet, in other words, whether there is a transfer to the financial institution. For example, if there is a corresponding wallet, the settlement server 100 directly deposits money into the corresponding wallet without making a transfer via a financial institution. Therefore, if there is a compatible wallet, the settlement server 100 does not need to pay a transfer fee to the financial institution, and can further reduce the transfer costs.

Therefore, for example, the settlement server 100 according to the present embodiment sets a lower transfer transaction fee when there is a corresponding wallet than when there is no corresponding wallet. As a result, business operator X can pay salaries to more compatible wallets, thereby further reducing the cost of transfer requests and promoting the use of digital payment of salaries. In addition, business operator X asks business operator Y to pay salaries on behalf of business operator Y, so that it is possible to reduce the cost of transferring salaries, compared with the case where salary is transferred directly to the employee's bank account.

In addition, when the status of the wallet is "suspended", the issuing unit 133 may not charge the amount of money to be transferred to this wallet and the fee for the payment. In this case, the issuing unit 133 can instruct the notification unit 135 to notify the business operator X that the transfer to this wallet (or corresponding virtual account) cannot be performed.

In addition, when the name of the wallet and the name of the virtual account do not match, the issuing unit 133 may not charge the amount to be transferred to the wallet and the fee for the payment. In this case, the issuing unit 133 can instruct the notification unit 135 to notify the operator X that the transfer to this wallet (or the corresponding virtual account) cannot be performed (or that the name is different).

(Request Execution Unit 134)
The request executing unit 134 executes the transfer to the payee on the payment date specified by the transfer request. The request execution unit 134 has a reflection unit 1341 and a transfer processing unit 1342 .

(Reflection unit 1341)
The reflection unit 1341 deposits money into the corresponding wallet on the payment date specified by the transfer request. The reflection unit 1341 executes charge processing (see FIG. 3). The reflecting unit 1341 in FIG. 6 reflects the transfer amount in the balance of the corresponding wallet. In addition, the reflection unit 1341 transfers the portion of the transfer amount that exceeds the maximum amount of the corresponding wallet to the payment destination financial institution account of the corresponding wallet.

The reflection unit 1341 notifies the notification unit 135 of the payment result. For example, when the status of the corresponding wallet is "suspended" and the payment could not be made, the reflection unit 1341 notifies the notification unit 135 to that effect. In addition, when the excess amount is transferred to the payment destination of the corresponding wallet, the reflection unit 1341 can notify the notification unit 135 to that effect.

(Transfer processing unit 1342)
The transfer processing unit 1342 transfers the amount to the account designated as the transfer destination on the payment date designated by the transfer request. The transfer processing unit 1342 executes transfer processing (see FIG. 4). The transfer processing unit 1342 transfers the transfer amount, for example, from the business operator Y account opened at each bank to the transfer destination account opened at each bank.

The transfer processing unit 1342 in FIG. 6 notifies the notification unit 135 of the transfer result. For example, when the transfer processing unit 1342 fails to transfer money because the account does not exist (or is frozen), the transfer processing unit 1342 notifies the notification unit 135 to that effect.

(Notification unit 135)
The notification unit 135 notifies the business operator X of various information. For example, the notification unit 135 notifies the business operator X of the invoice issued by the issuing unit 133 . In addition, the notification unit 135 can notify the business operator X of information regarding the account to which the transfer cannot be made, together with the invoice.

The notification unit 135 notifies the operator X of the result of the payment to the corresponding wallet by the reflection unit 1341 and the result of the transfer to the account. Note that the notification unit 135 can refund to the business operator X the amount of money that could not be deposited (or transferred).

[3. Processing procedure example]
[3.1. Reception processing]
FIG. 10 is a flowchart illustrating an example of a processing procedure of reception processing according to the embodiment; The acceptance process of FIG. 10 is executed by the settlement server 100 .

As shown in FIG. 10, the reception unit 131 receives a transfer request (step S101). The accepting unit 131 stores the accepted transfer request in the storage unit 120 as request information.

Next, the determination unit 132 selects one bank account included in the bank transfer request (step S102). The determination unit 132 determines whether or not there is a wallet corresponding to the selected account (corresponding wallet) (step S103).

If there is no corresponding wallet (step S103; No), the determination unit 132 proceeds to step S106. On the other hand, if there is a corresponding wallet (step S103; Yes), the determination unit 132 checks the status of the wallet corresponding to the selected account (step S104).

The determination unit 132 updates the request information of the selected account (step S105). For example, the determination unit 132 adds additional information indicating that the selected account has a corresponding wallet to the request information.

The determination unit 132 determines whether or not all the accounts included in the transfer request have been selected (step S106). If there is an account that has not yet been selected (step S106; No), the determination unit 132 returns to step S102 and selects one account from the accounts that have not yet been selected.

If the determination unit 132 selects all the accounts (step S106; Yes), the issuing unit 133 issues a bill for the transfer request (step S107), and ends the acceptance process. This invoice is sent, for example, via the notification unit 135 to the business operator X who made the transfer request.

[3.2. payment processing]
FIG. 11 is a flowchart illustrating an example of a processing procedure of payment processing according to the embodiment; The payment processing in FIG. 11 is executed by the payment server 100 on the payment date. The payment processing includes the charge processing (see FIG. 3) and transfer processing (see FIG. 4) described above.

As shown in FIG. 11, first, the request execution unit 134 selects one account from the request information (step S201). Next, the request execution unit 134 determines whether or not the selected account has a compatible wallet based on the request information (step S202).

If there is no corresponding wallet (step S202; No), the transfer processing unit 1342 transfers the transfer amount from the bank account to the selected account (transfer destination) (step S203).

On the other hand, if there is a corresponding wallet (step S202; Yes), the reflection unit 1341 determines whether the balance of the corresponding wallet in the wallet information will exceed the upper limit if transferred to the corresponding wallet (step S204).

If the upper limit is not exceeded (step S204; No), the reflection unit 1341 reflects the transfer amount in the balance of the corresponding wallet (step S205).

On the other hand, if the upper limit is exceeded (step S204; Yes), the reflection unit 1341 reflects the deposit (charge) up to the upper limit of the corresponding wallet (step S206). That is, the reflection unit 1341 changes the balance of the corresponding wallet to the maximum amount.

The reflection unit 1341 transfers the excess amount to the specified account (financial institution account included in the wallet information) specified by the user of the corresponding wallet (step S207).

The request executing unit 134 determines whether or not all the accounts corresponding to the payment dates have been selected from the request information (step S208).

If there is an account that has not yet been selected (step S208; No), the request execution unit 134 returns to step S201 and selects one account from the accounts that have not yet been selected.

If the request execution unit 134 has selected all the accounts (step S208; Yes), the request execution unit 134 notifies the transfer result to the operator X via the notification unit 135 (step S209), and ends the payment process.

[4. Modification]
In the above-described embodiment, an example has been described in which the settlement server 100 included in the information processing system SYS 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 SYS according to the embodiment does not have to be particularly limited to such an example. , may be separate servers that are physically different from each other. Alternatively, each server device may belong to a different system. In this case, each server device is communicatively connected in a state in which information required for each processing can be mutually exchanged.

Further, in the above-described embodiment, an example has been described in which the transfer request is payment of salary from the business operator X to an employee. However, the transfer request does not have to be limited to salary payment, and the settlement server 100 may accept payment (transfer) requests other than salary.

Further, among the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed. All or part of the processing can also be performed 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 illustrated one, 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 reception unit 131, the reflection unit 1341, and the transfer processing unit 1342. The receiving unit 131 receives a transfer request including information on the transfer destination and the transfer amount. If there is an electronic money account (corresponding wallet) linked to the transfer destination, the reflection unit 1341 reflects the transfer amount on the balance of the electronic money account. If there is no electronic money account linked to the transfer destination, the transfer processing unit 1342 transfers the transfer amount to the transfer destination.

As a result, the requester (business operator X) can make a transfer request without recognizing whether or not there is an electronic money account (wallet) linked to the transfer destination. In other words, business operator X can pay electronic money by the same procedure as when transferring money to an account of a normal financial institution without recognizing whether or not the payment is to be made in electronic money. Thereby, the settlement server 100 can promote the use of digital salary payment.

Moreover, the settlement server 100 further has a notification unit 135 . The notification unit 135 notifies the source of the transfer request that the transfer amount cannot be transferred when the electronic money account associated with the transfer destination cannot be transferred.

As a result, the requester can know that the transfer amount will not be credited according to the state of the electronic money account.

Further, if the receiving unit 131 cannot deposit the money into the electronic money account at the timing when the receiving unit 131 receives the transfer request, the notification unit 135 notifies the requester that the transfer amount cannot be deposited.

As a result, the requester can know that the transfer amount will not be received at the timing of making the transfer request.

In addition, when the reflection unit 1341 reflects the transfer amount and the electronic money account cannot be charged, the notification unit 135 notifies the requester that the transfer amount cannot be transferred.

As a result, the requester can know that the transfer amount will not be received at the timing of the transfer to the transfer destination.

In addition, when the first name of the payee and the second name of the electronic money account linked to the payee are the same, the reflection unit 1341 reflects the transfer amount to the balance of the electronic money account. Let

As a result, the settlement server 100 can make the transfer to the correct payee more reliably.

In addition, if the reflection unit 1341 reflects the transfer amount on the balance of the electronic money account and the amount exceeds the upper limit of the balance of the electronic money account, the user who owns the electronic money account designates the amount exceeding the upper limit. deposit into the designated account.

As a result, the payment server 100 can make payment to the user even if the amount of money to be transferred exceeds the upper limit of the electronic money account.

A transfer destination associated with an electronic money account is a virtual account. As a result, the settlement server 100 can more appropriately associate and manage the payee and the electronic money account.

[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. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server 100 according to the embodiment.

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

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

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, and scanner, 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 payment server 100, which is an example of the information processing apparatus according to the present embodiment, the computing device 1030 of the computer 1000 stores a program (for example, an information processing program) loaded on the primary storage device 1040. A function similar to that of the control unit 130 is realized by executing That is, the computing device 1030 realizes processing by the payment server 100 according to this embodiment in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040 .

[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.

10 user terminal 20 bank server 100 settlement server 110 communication unit 120 storage unit 121 request information storage unit 122 correspondence information storage unit 123 wallet information storage unit 130 control unit 131 reception unit 132 determination unit 133 issuance unit 134 request execution unit 135 notification unit 1341 reflection unit 1342 transfer processing unit SYS information processing system

Claims (9)

a reception unit that receives a transfer request including information on the transfer destination and transfer amount;
if there is an electronic money account linked to the transfer destination, a reflection unit that reflects the transfer amount in the balance of the electronic money account;
a transfer processing unit that transfers the transfer amount to the transfer destination when there is no electronic money account linked to the transfer destination;
An information processing device comprising: 2. The method according to claim 1, further comprising a notification unit that notifies the source of the transfer request that the transfer amount cannot be transferred when the electronic money account associated with the transfer destination cannot be transferred. information processing equipment. The notification unit
3. The information processing apparatus according to claim 2, wherein the reception unit notifies the request source that the transfer amount cannot be received in the state at the timing when the transfer request is received by the reception unit. The notification unit
3. The information processing apparatus according to claim 2, wherein the reflection unit notifies the request source that the transfer amount cannot be received in the state at the timing of reflecting the transfer amount. The reflecting unit is
When the first name of the payee and the second name of the electronic money account linked to the payee are the same, the transfer amount is reflected in the balance of the electronic money account. The information processing apparatus according to claim 1, characterized by: The reflecting unit is
When the transfer amount exceeds the upper limit of the balance of the electronic money account when the transfer amount is reflected in the balance of the electronic money account, the user who owns the electronic money account specifies the amount exceeding the upper limit. 2. The information processing apparatus according to claim 1, wherein the money is deposited into a designated account. The transfer destination associated with the electronic money account is a virtual account,
The information processing apparatus according to claim 1, characterized by: a receiving step in which a computer receives a transfer request including information on the transfer destination and the transfer amount;
If there is an electronic money account linked to the transfer destination, a reflecting step of reflecting the transfer amount in the balance of the electronic money account;
a transfer processing step of transferring the transfer amount to the transfer destination when there is no electronic money account linked to the transfer destination;
An information processing method characterized by executing a procedure for receiving a transfer request including information on the transfer destination and transfer amount on a computer;
If there is an electronic money account linked to the transfer destination, a reflection procedure for reflecting the transfer amount in the balance of the electronic money account;
a transfer processing procedure for transferring the transfer amount to the transfer destination when there is no electronic money account linked to the transfer destination;
An information processing program characterized by executing

Images