JP7292483B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

Kind Code: A1 A scheme is realized in which the sale proceeds of a securities sale transaction can be received in electronic money by assigning receivables (factoring). An information processing device receives and stores billing information including identification information of a user and charge amount of electronic money to an electronic money account of the user from a payment server of a payment service provider, and a detection unit for detecting payment to the user's securities account in accordance with the user's identification information included in the stored billing information; a deposit processing unit that deposits the charge amount included in the billing information from the security account of the user whose payment is detected to the financial institution account of the settlement service provider. [Selection drawing] Fig. 1

Description

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

Conventionally, among a plurality of securities companies, a technique has been disclosed for securing a customer's buying power on the day before the delivery date of the sales proceeds of a sell order.

JP 2021-82213 A

However, the above-described prior art eliminates or shortens the time difference between the selling process and the buying process when another stock is purchased by another securities company using the sales proceeds of a sell order at one securities company. nothing more than a thing. At present, technology development is underway with the aim of realizing a mechanism that allows users to receive electronic money on the day of a securities sale transaction as a mechanism related to fund settlement in an asset management mini-app.

The present application has been made in view of the above, and an object of the present application is to realize a scheme in which the sales proceeds on the day of the sales transaction of securities can be received in electronic money by assigning receivables (factoring).

An information processing apparatus according to the present application includes a receiving unit that receives and stores billing information including identification information of a user and charge amount of electronic money to an electronic money account of the user from a payment server of a payment service provider; a detection unit for detecting payment to the user's securities account in accordance with the user's identification information included in the received billing information; a deposit processing unit that deposits the charge amount included in the billing information from the security account of the user whose payment is detected to the financial institution account of the settlement service provider.

According to one aspect of the embodiment, it is possible to realize a scheme in which the sale proceeds on the day of the sale transaction of securities can be received in electronic money by assigning receivables (factoring).

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

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 the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Outline of information processing method]
First, an outline of an information processing method performed by an information processing apparatus according to an embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. Note that FIG. 1 will be described by taking as an example a case where the sales proceeds on the day of the sales transaction of securities are received in electronic money by assigning receivables (factoring).

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

The terminal device 10 is a smart device such as a smartphone or tablet used by a user U (user), and communicates with an arbitrary server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). It is a portable terminal device capable of performing The terminal device 10 has a screen such as a liquid crystal display and has a touch panel function, and the user U can perform a tap operation, a slide operation, a scroll operation, or the like with a finger, a stylus, or the like, and display data such as contents. Accepts various operations for . An operation performed on an area where content is displayed on the screen may be an operation on the content. In addition, the terminal device 10 may be an information processing device such as a desktop PC (Personal Computer) or a notebook PC as well as a smart device.

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

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

The securities server 200 is operated and managed by a second business operator (securities company), cooperates with the settlement server 100, and operates as an application (mini-app) launched within a settlement application, which enables the trading of securities. Offer mini-apps.

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

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

Securities companies are just one example of financial institutions. Other financial institutions such as banks that handle securities may also be used. That is, the securities company may be any financial institution that mediates the trading of securities. Also, securities are just one example of financial instruments. Securities include stocks, bonds, bills, checks, and the like. Investment trusts (investment trusts: funds), ETFs (Exchange Traded Funds), insurance products, and the like may be used.

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

[1-1. Settlement using terminal device 10]
Here, an example of payment (electronic payment) using the terminal device 10 will be described prior to the information processing according to the embodiment. In the following description, the user U uses the terminal device 10 using a two-dimensional code (QR code (registered trademark)) placed in the store and indicating store identification information for identifying the store. will be described, but the embodiment is not limited to this. An example of payment described below is also applicable when any user uses any terminal device 10 to make payment at any store. The store identification information may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products and services at a store, the user U uses a payment application (payment application) installed in the terminal device 10 . app). Then, the user U photographs the shop identification information installed in the shop via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U or the store clerk M. FIG. Then, the terminal device 10 includes user identification information for identifying the user U, shop identification information (or information indicated by the shop identification information, that is, information indicating the shop (for example, shop ID (Identifier))), settlement information indicating the settlement amount is transmitted to the settlement server 100;

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

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

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

In settlement using the terminal device 10, the settlement application withdraws electronic money for the settlement amount from the user account and manages it as sales information of the member store (different from depositing into the member store account). Also, at a predetermined timing, based on the sales information, cash is deposited into the bank account of the affiliated store in the amount obtained by subtracting the management fee from the sales. Electronic money may be deposited from the user account into the electronic money account of the member store managed by the member store. good too. Furthermore, if the source of the coupon provided to the user U for the payment application is borne by the member store, when depositing cash into the bank account or depositing electronic money into the account of the member store, etc. of cash or electronic money is subtracted and provided.

Currently, with the above-described payment methods and payment services, member stores do not handle electronic money balances, and the sales of each member store with the above-described payment methods and payment services are managed on a payment server. At this time, the sales are not remitted to the member store account as an electronic money balance, but are cashed and deposited into the bank account. At the time of deposit, if the source of the coupon is borne by the member store, the amount after deducting the source of the coupon from the sales will be transferred.

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, the payment means and payment service described above may have a function related to remittance between accounts owned by a plurality of 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.

For example, when transaction information related to electronic money transactions such as payment and remittance occurs, the payment server 100 accepts from the user a selection as to whether or not to receive profits based on the transaction information. , grants profits to users for making transactions. Moreover, if the payment server 100 does not receive the profit, it will give the user a more advantageous profit based on the user's behavior in the transaction service.

[1-2. Scheme for receiving sales proceeds on the day of the sale of securities by transfer of receivables]
Next, referring to FIG. 1, a scheme will be described in which the sale proceeds on the day of the sale transaction of securities are received in electronic money by assigning receivables (factoring). In the present embodiment, as a mechanism related to fund settlement toward the provision of the asset management mini-app, a scheme is formulated to realize a mechanism that allows the user to receive electronic money on the day of the securities sale transaction. For example, in a securities transaction in which the delivery date (acquisition of funds for sale) is usually two business days or later, a scheme is formulated in which electronic money is charged on the day of the transaction by assigning receivables (factoring).

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

In the present embodiment, the terminal device 10 of the user U uses the asset management mini-app to transfer claims collectively for all transactions instead of individually transferring claims for individual transactions. contract with the settlement server 100 of the other party in advance. As a result, the terminal device 10 of the user U, for all transactions via the asset management mini-app, will allow withdrawals from the securities account to occur on the “T+2nd day” two business days after the “Tth day”, which is the day of the transaction. This means that the receivables related to gold have been transferred to the payment service provider. Here, the trading day is represented as "T day".

Incidentally, in practice, the terminal device 10 of the user U may individually transfer the credit for each transaction via the asset management mini-app.

Next, the terminal device 10 of the user U instructs the securities server 200 of the securities company to sell the securities in accordance with the user U's operation on the asset management mini-app on the day of the transaction "T day". (step S2). In this embodiment, funds are automatically transferred between the electronic money account and the securities account by automatic withdrawal.

In this embodiment, the sale of securities is performed in real-time processing through negotiated transactions. In other words, the seller and the buyer decide the price and the trading volume without going through a market such as a stock exchange. In addition, the user U can specify the sale quantity and sale price for each issue of the securities held on the asset management mini-app. That is, the user U can not only sell the entire amount (number of shares/units) of each issue of the securities held, but also specify an arbitrary amount for sale. It should be noted that the sale of securities may be carried out by market orders or limit orders in market transactions. In the case of a market order, the sale price (sales proceeds) is determined when the transaction is established and the price is determined. In the case of a limit order, the selling price is determined when the trade is completed at the specified price.

Next, the securities server 200 of the securities company transmits the information on the sales proceeds of the securities in step S2 to the payment server 100 of the payment service provider on the day of the transaction (step S3). In this embodiment, when securities are traded using the asset management mini-application of the terminal device 10 of the user U, the user ID (UID) indicating the user U and the charge amount are sent from the securities server 200 of the securities company. It is transmitted to the settlement server 100 of the settlement service provider.

Next, the settlement server 100 of the settlement service provider, on the "T day", which is the day of the transaction, based on the information on the sales proceeds of the securities in step S3, sends an electronic Money is charged to the electronic money account of user U (step S4). At this time, the settlement server 100 may transfer (deposit) electronic money equivalent to the sale price of the securities from the electronic money account of the settlement service provider to the electronic money account of the user U.

Note that, in this embodiment, even if there is a time lag that straddles a date, such as selling at 23:59 and charging at 0:01, it is treated as "on the day." For example, when charging is completed in a time zone such as midnight of the next day, the time zone such as midnight is treated as 25:00, 26:00, etc. of the current day.

Further, in the present embodiment, for convenience of explanation, it is assumed that the charge amount of electronic money to the user U is the same amount as the selling price of the securities. In fact, even if the amount of electronic money charged to user U is the amount obtained by deducting commissions from the sales proceeds of securities, or the amount obtained by adding points to the sales proceeds of securities through campaigns, etc. good. That is, strictly speaking, the amount of electronic money charged to the user U does not have to be the same amount as the selling price of the securities. Also, the sales proceeds of the securities may be the amount after deducting commissions or the like, or the amount obtained by adding points in a campaign or the like. The securities server 200 of the securities company may notify the settlement server 100 of the settlement service provider of the sale amount and the commission. Also, the securities server 200 of the securities company may notify the terminal device 10 of the user U of the sale price and the commission via the asset management mini-app. In such a case, the payment server 100 of the payment service provider may transfer the amount obtained by subtracting the commission of the securities company from the sale amount, or the amount obtained by further subtracting the commission of the payment service provider from this amount to the electronic money of the user U. You can charge your account.

In addition, it is assumed that the electronic money charge amount (cash or the like to be exchanged for electronic money) will be paid at a later date (on or after the date on which it becomes possible to withdraw the sales proceeds of the securities). That is, only the electronic money is paid in advance here, and the charging fee is paid later. Formally, the securities company may temporarily borrow electronic money from the payment service provider (reimburse it in advance). For example, even if the securities server 200 of the securities company only instructs the payment server 100 of the payment service provider to charge the electronic money account of the user U with electronic money, and pays the charge at a later date. good. The details of the payment of the charge price will be described later.

Next, the settlement server 100 of the settlement service provider performs processing for charging the securities server 200 of the securities company for the charging fee of the electronic money to the user U in step S4 (step S5). For example, the settlement server 100 of the settlement service provider puts together all the transactions performed on the day of the transaction "T day", and charges the electronic money to the user U in step S4 on a daily basis. Processing may be performed to bill the securities server 200 of the securities company for the aggregated amount. It should be noted that, actually, the timing of performing the processing for billing the securities server 200 may be after "T day", which is the day of the transaction.

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

Note that the timing of billing the securities server 200 of the securities company for the amount equivalent to the charge price itself may be "T day", which is the day of the transaction, or after that (including two business days before). In other words, it may be done after charging the electronic money account of the user U with the electronic money corresponding to the selling price of the securities. For example, the settlement server 100 may charge the securities server 200 of the securities company for the amount equivalent to the charging fee on or after "T day", which is the day of the transaction. In other words, the settlement server 100 may request payment of cash equivalent to the charge amount of the electronic money on or after "T day" which is the day of the transaction.

Next, the securities server 200 of the securities company confirms that the sale proceeds of the securities in step S2 have been received by the securities company on the "T+2nd day" two business days after the day of the transaction (step S7). For example, the securities server 200 detects payment to the user's securities account according to the user's identification information included in the stored billing information. That is, the securities server 200 of the securities company receives the sales proceeds of the securities in the above step S2 in the account of the securities company (securities account of user U) on the "T+2nd day" two business days after the day of the transaction. Confirm that

Next, the securities server 200 of the securities company, based on the request from the payment server 100 of the payment service provider, after the "T+2nd day" two business days after the day of the transaction, (step S8). For example, when the securities server detects payment to the user's securities account, the security server deposits the charging amount included in the saved billing information from the user's securities account that detected the payment to the bank account of the payment service provider. . That is, based on the request from the settlement server 100, the securities server 200 deposits cash equivalent to the charge amount of the electronic money into the bank account of the settlement service provider. Note that "deposit into a bank account" means performing processing for depositing money into a bank account, such as instructions for depositing money into an external bank server (not shown) or remittance. In this embodiment, for the sake of convenience, it is simply described as "payment to bank account".

For example, the securities server 200 of a securities company, at the same time that the sale proceeds of the securities arrive at the securities account of the user U, deducts an amount corresponding to the electronic money charge amount from the received amount as the electronic money charge amount. to the bank account of the payment service provider. That is, the securities server 200 charges the electronic money charged to the electronic money account of the user U in the above step S4 from the bank account of the securities company after "T+2nd day" two business days after the day of the transaction. Instead, the money is deposited from the security account of the user U who received the money to the bank account of the settlement service provider.

When the securities server 200 of the securities company deposits money into the bank account of the settlement service provider (or after that), it notifies the settlement server 100 of the settlement service provider that the money has been deposited into the bank account of the settlement service provider. In practice, the bank server (not shown) of the bank that confirmed the payment from the securities company may notify the payment server 100 of the payment service provider of the payment from the securities company. The bank account of the payment service provider may be a bank account opened at a bank belonging to the same corporate group as the payment service provider (or a bank with which the payment service provider has a business tie-up). Also, the account is not limited to a bank account, and may be an account of another financial institution.

At this time, the payment server 100 of the payment service provider receives a notification (receipt notification) from the securities server 200 of the securities company, and confirms the payment to the bank account of the payment service provider. Then, when the payment to the bank account of the payment service provider can be confirmed, the payment server 100 determines that the amount corresponding to the charging fee in step S4 has been received. In practice, the settlement server 100 may determine that it has received the amount equivalent to the charge amount in step S4 at the time of receiving the notification (receipt notification) from the securities server 200 of the securities company.

Generally, in securities transactions at securities companies, the delivery and receipt of securities and proceeds take place on the “delivery date” two business days after the transaction date. I have to wait. In the scheme that utilizes the transfer of receivables (factoring) according to the present embodiment, the user of the electronic payment service receives the sale proceeds in electronic money on the day of the sale transaction of the securities using the asset management mini-application, It can be used as electronic money from the day of the transaction.

In this embodiment, as matters recognized as valid assignment of receivables (factoring), the conclusion of a contract as an indication of the subjective intention between the parties, objective facts that support that subjective intention, and the assignment of receivables for accounting purposes are assumed. and the handling, etc.

As a contract that indicates the subjective intentions of the parties, a business consignment contract (contents based on the factoring scheme) relating to the issuance of electronic money will be concluded between the payment service provider and the securities company. Payment service providers and users conclude payment service terms of use (individual special agreements for factoring schemes). Between the securities company and the user, the securities company mini-app terms of use (including individual consent to the factoring scheme) shall be concluded.

As objective facts that support subjective intentions, a particularly important point is that the risk of uncollectible receivables and economic benefits have been transferred to the transferee If it is done with the transferee, it will be a negative evaluation factor), the fact that the actual control of the claim is transferred to the transferee, the fact that the transferor manages and collects the claim ( If the transferor is responsible for collection, etc., it will be a negative evaluation factor if it is a negative evaluation factor), and it has a perfection requirement. These include the fact that it has perfection requirements, the consideration for the assignment of claims is reasonable, and the consideration is reasonable.

As a result, it is expected that the asset management mini-app will improve the convenience of securities trading. In addition, the securities company can provide a legitimate (legal) mechanism for paying the purchase price of the securities to the user who is the customer on the same day with "electronic money". In addition, it can be expected to increase the frequency of payment application usage.

[1-3. Asset management mini app service]
FIG. 2 is a conceptual diagram showing an example of a service provided by the asset management mini-app. As shown in Figure 2, the services provided by securities companies through asset management mini-apps include the opening of securities company accounts (including electronic Know Your Customer (eKYC) verification by securities companies and the issuance of legal documents), electronic money It is the provision of information such as securities transactions, asset balance trends, asset ratios, notifications, etc.

Securities companies provide asset management services through asset management mini-apps. At this time, the securities company selects products to be handled for the asset management mini app. The asset management mini app enables the purchase and withdrawal (at the time of sale) of securities using electronic money. In the present embodiment, payment methods other than electronic money are not introduced. It should be noted that withdrawal to a financial institution account is also possible only in the case of withdrawal exceeding the upper limit of electronic money amount (for example, 1 million yen).

There is a daily upper limit for charging electronic money. Normally, the upper limit is 500,000 yen for 24 hours and 2 million yen for 30 days. The upper limit of stay is 1,000,000 yen. Therefore, the balance after charging will be adjusted to 1,000,000 yen. For example, when the upper limit of stay is 1,000,000 yen, a display may be displayed so that the amount exceeding 1,000,000 yen will be transferred to a bank account if sales are made. If the balance is 900,000 yen and 300,000 yen is the gain on sale, 200,000 yen (or more) of the 300,000 yen gain on sale is transferred to the bank account. Alternatively, the entire amount of 300,000 yen, which is the gain on sale, is transferred to a bank account. Either is fine. Also, an upper limit on the trading amount of securities may be set so as not to exceed the retention upper limit.

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

[1-4. Asset management mini-app fund flow]
FIG. 3 is a conceptual diagram showing an example of a fund flow of an asset management mini-app between a settlement service provider and a securities company. As shown in Figure 3, in the fund flow of asset management mini-apps between payment service providers and securities companies, payment service providers are involved in the process of financial intermediary services entrusted by securities companies to payment service providers. Get a profit share distribution as income (monthly). For example, the settlement service provider receives a portion of the profit that the securities company obtains from the trading and holding of securities by the user.

In addition, the user purchases securities using the user's electronic money and receives and receives the total sales proceeds (every day). For example, the settlement service provider transfers the total purchase price of the securities by electronic money to the securities company. In addition, the securities company transfers the total sales proceeds of the securities by electronic money to the settlement service provider. It should be noted that the remittance of the total sale proceeds of the user's securities is based on the transfer of receivables (factoring) from the user to the settlement service provider.

FIG. 4 is a conceptual diagram showing an example of a fund flow of an asset management mini-app between a user, a payment service provider, and a securities company. That is, it shows the flow of funds from the user's point of view. As shown in Figure 4, in the fund flow of the asset management mini-app between the user, the payment service provider, and the securities company, the electronic money payment for the purchase price and the sale price using the asset management mini-app within the payment application receive electronic money (on the day of the transaction).

When the user makes a purchase, the electronic money is automatically subtracted from the electronic money, and when the user sells the electronic money, the electronic money is automatically added. Normally, procedures for depositing money into a securities account and procedures for withdrawing money from a securities account are performed in cash. No withdrawals will be processed from the account. In other words, procedures for depositing money from a bank account to a securities account and for withdrawals from a securities account to a bank account are not performed. Receipt of electronic money for the sale price on the day of the transaction is based on a credit transfer (factoring) scheme as shown in FIG.

[1-5. Overview of Asset Management Mini App]
FIG. 5 is a diagram showing an overview of the asset management mini-app. As shown in FIG. 5, the target users of the asset management mini app are assumed to be users of the settlement app provided by the settlement service provider and customers who have a securities account at a securities company. The target product is securities, and electronic money is used to buy/withdraw (sell) the securities. The purchase and sale of securities can be accepted 24 hours a day, 365 days a year, and the timing of deposit/purchase and sale/withdrawal of electronic money is real time (day T+0). That is, the trading day is “T day”. The usable unit of electronic money is "100 yen or more, in units of 1 yen" in the case of purchase, and "1 yen or more in units of 1 yen" in the case of sale. In addition, the transaction upper limit shall conform to the upper limit of electronic money.

[1-6. Services, business, and income of business operators]
(Services and Business of Payment Service Providers)
The settlement service provider, as a financial product intermediary with the securities company as its affiliated financial institution, sends customers to the securities company via the asset management mini app. It also provides a mini-app platform to brokerage firms.

(Revenue of payment service providers)
Settlement service providers receive income as profit sharing, part of the profits earned by securities companies from trust fees for securities trading and investment trusts by customers who open accounts with securities companies via asset management mini apps.

(Services and Business of Securities Companies)
As a financial institution affiliated with a settlement service provider acting as a financial instruments intermediary (type 1 financial instruments business operator), a securities company receives customers from the settlement service provider via an asset management mini-app, opens a securities account, and sells securities. The Company provides securities trading services and related business. In addition, securities companies provide mini-apps to customers as mini-app member stores.

(Income of securities company)
The securities company obtains income from trust fees for securities transactions and investment trusts by customers who have opened an account with the securities company via the asset management mini-app.

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

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

The terminal device 10 is an information processing device used by the user U. FIG. For example, the terminal device 10 includes smart devices such as smartphones and tablet terminals, feature phones, PCs (Personal Computers), PDAs (Personal Digital Assistants), game machines and AV equipment with communication functions, car navigation systems, smart watches, Wearable devices such as head-mounted displays, smart glasses, and the like.

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local It is possible to connect to the network N and communicate with the settlement server 100 via short-range wireless communication such as Area Network).

The settlement server 100 and securities server 200 are, for example, PCs, server devices, mainframes, workstations, or the like. Note that the settlement server 100 and the securities server 200 may be realized by cloud computing.

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

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

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

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

(Positioning unit 14)
The positioning unit 14 receives signals (radio waves) transmitted from GPS (Global Positioning System) satellites, and based on the received signals, position information (for example, latitude and longitude). That is, the positioning unit 14 positions the position of the terminal device 10 . GPS is merely an example of GNSS (Global Navigation Satellite System).

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

(Wi-Fi positioning)
For example, the positioning unit 14 measures the position of the terminal device 10 using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication network provided by each communication company. Specifically, the positioning unit 14 performs Wi-Fi communication or the like and measures the position of the terminal device 10 by measuring the distance to a nearby base station or access point.

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

(geomagnetic positioning)
Further, the positioning unit 14 positions the position of the terminal device 10 based on the geomagnetism pattern of the structure measured in advance and the geomagnetic sensor provided in the terminal device 10 .

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

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

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

The sensors 21 to 28 described above are only examples and are not limited. That is, the sensor unit 20 may be configured to include a part of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of the sensors 21 to 28. .

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

Since the terminal device 10 includes the above-described acceleration sensor 21, gyro sensor 22, barometric pressure sensor 23, etc., techniques such as pedestrian dead-reckoning (PDR: Pedestrian Dead-Reckoning) using these sensors 21 to 23, etc. , the position of the terminal device 10 can be determined. This makes it possible to acquire indoor position information that is difficult to acquire with a positioning system such as GPS.

For example, a pedometer using the acceleration sensor 21 can calculate the number of steps, walking speed, and distance walked. Further, by using the gyro sensor 22, it is possible to know the traveling direction, the direction of the line of sight, and the inclination of the body of the user U. Also, from the atmospheric pressure detected by the atmospheric pressure sensor 23, the altitude at which the terminal device 10 of the user U is present and the number of floors can be known.

The temperature sensor 24 detects the temperature around the terminal device 10, for example. The sound sensor 25 detects sounds around the terminal device 10, for example. The optical sensor 26 detects the illuminance around the terminal device 10 . The magnetic sensor 27 detects, for example, geomagnetism around the terminal device 10 . The image sensor 28 captures an image around the terminal device 10 .

The atmospheric pressure sensor 23, the temperature sensor 24, the sound sensor 25, the optical sensor 26, and the image sensor 28 described above detect the atmospheric pressure, temperature, sound, and illuminance, respectively, or capture an image of the surroundings to detect the terminal device 10. It is possible to detect the surrounding environment and situations. In addition, it is possible to improve the accuracy of the location information of the terminal device 10 based on the surrounding environment and situation of the terminal device 10 .

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

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

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

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

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

[4. Configuration example of payment server]
Next, the configuration of the settlement server 100 according to the embodiment will be described using FIG. FIG. 8 is a diagram showing a configuration example of the settlement server 100 according to the embodiment. As shown in FIG. 8, 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. Also, the communication unit 110 is connected to the network N (see FIG. 6) by wire or wirelessly.

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

(Transaction information database 121)
The transaction information database 121 stores various information related to the trading of securities by the user U. FIG. FIG. 9 is a diagram showing an example of the transaction information database 121. As shown in FIG. In the example shown in FIG. 9, the transaction information database 121 includes "user", "transfer of claims", "securities", "sale date", "sales proceeds", "charge", "delivery date", "payment It has items such as "billing" and "payment receipt".

"User" indicates identification information for identifying a user U who is a customer of a settlement service provider and a customer of a securities company. The identification information of the user U may be the contact information (telephone number, e-mail address, etc.) of the user U, or the identification information for identifying the terminal device 10 of the user U. .

"Assignment of receivables" indicates whether or not there is an assignment of receivables related to withdrawal of sale proceeds of securities. That is, it indicates whether or not the transfer of receivables (factoring) has been performed. In the present embodiment, all transactions are assumed to be assigned collectively, but in practice, the assignment may be performed for each individual transaction (for each sale of securities). That is, whether or not there is an assignment of a claim may be determined for each security.

"Securities" indicates identification information for identifying securities. Note that the identification information of the securities may be the name of the securities, the security code, or the like. "Date of sale" indicates the date when the user U instructed to sell the securities. That is, the sale date indicates the contract date for the sale of the security. Further, the "sales proceeds" indicates the sales proceeds (amount) of the securities.

"Charge" indicates whether or not the user U's electronic money account is charged. That is, it indicates whether electronic money equivalent to the sales proceeds of the securities has been charged to the electronic money account of the user U according to the transfer of receivables (factoring).

The "delivery date" indicates the delivery date (settlement date) on which the buyer pays the price after trading the securities, and the seller delivers the securities to the other party for settlement. That is, the delivery date indicates the date on which withdrawal of the sales proceeds of the securities from the securities account of the user U becomes possible. Typically, the delivery date is two business days after the trading day (T day) (T+2 day).

"Charge" indicates whether or not an amount corresponding to the amount charged to the user U's electronic money account has been charged. That is, the billing indicates whether or not the securities company has been billed for the amount equivalent to the charge to the electronic money account of the user U after the delivery date.

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

For example, in the example shown in FIG. 9, a receivable transfer (factoring) is performed by user “U1”, and an instruction to sell securities “A1” is made on the sale date “2021/11/3”, and user U's electronic money account is charged with electronic money equivalent to "12,000 yen" for the sale of securities, and after that, the securities company is billed for the amount equivalent to the charge to user U's electronic money account. It indicates that the amount equivalent to the amount charged to the electronic money account of user U has been received from the securities company after the delivery date “2021/11/5”.

Here, in the example shown in FIG. 9, abstract values such as "U1" and "A1" are used, but "U1" and "A1" contain information such as concrete character strings and numerical values. shall be memorized. Hereinafter, abstract values may also be illustrated in diagrams relating to other information.

It should be noted that the transaction information database 121 may store various types of information, not limited to the above, depending on the purpose. For example, the transaction information database 121 may store identification information for identifying securities companies. The identification information of the securities company may be the name of the securities company, the financial institution code, the branch code, the branch number, the branch number, and the like. In addition, the transaction information database 121 may store various types of information regarding securities. In addition, the transaction information database 121 may store various types of information regarding securities companies. In addition, the transaction information database 121 stores user U's demographic (demographic attribute), psychographic (psychological attribute), geographic (geographical attribute), behavioral (behavioral attribute), and other attributes. may store information about For example, the transaction information database 121 may store information such as name, family structure, hometown (local), occupation, position, income, qualification, residence type (detached house, condominium, etc.).

(control unit 130)
Returning to FIG. 8, the description is continued. The control unit 130 is a controller, and for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like controls the settlement server 100. Various programs (corresponding to an example of an information processing program) stored in an internal storage device are executed by using a storage area such as a RAM as a work area. In the example shown in FIG. 8 , the control unit 130 has an acquisition unit 131 , a reception unit 132 , a charge processing unit 133 , a payment requesting unit 134 and a payment reception unit 135 .

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

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

(Reception unit 132)
The accepting unit 132 accepts the transfer of claims related to the sales proceeds of financial products (marketable securities) sold by the user via a payment application that performs payment using electronic money. In this embodiment, the reception unit 132 concludes a contract for transfer of receivables (factoring) relating to the sales proceeds of the financial product via the asset management mini-application of the user U's terminal device 10 . At this time, the reception unit 132 concludes a contract to collectively transfer the claims for all the transactions, instead of individually concluding a contract for the transfer of the claims for each transaction. Then, the reception unit 132 registers that effect in the transaction information database 121 of the storage unit 120 .

For each transaction, the reception unit 132 receives an instruction to sell securities from the user via the asset management mini-application of a securities company that mediates the sale and purchase of securities within the payment application that settles transactions using electronic money. In addition, it may accept the transfer of claims related to the withdrawal of proceeds from the sale of securities. Then, the reception unit 132 may register that effect in the transaction information database 121 of the storage unit 120 .

That is, the reception unit 132 is a second business operator (securities company) that mediates the trading of securities among the mini-applications in the payment application of the first business operator (settlement service operator) that provides payment services with electronic money. Each time the user gives an instruction to sell the securities via the asset management mini-app, the transfer of the claim related to the withdrawal of the proceeds from the sale of the securities may be accepted.

In addition, when the user instructs the external server (securities server 200) that controls the trading of financial products to sell the financial product via a payment application that performs payment using electronic money, the receiving unit 132 , through the communication unit 110, receives information on the sales proceeds of financial products from the external server. For example, when securities are traded using the asset management mini-app of the user's terminal device 10, the reception unit 132 receives the user ID (UID) indicating the user and the charge amount from an external server linked to the asset management mini-app. receive. Further, the reception unit 132 may receive an instruction to charge electronic money in an amount based on the sales proceeds of financial products from an external server.

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

For example, the charge processing unit 133 settles electronic money equivalent to the sale proceeds of the securities on the day (T day) when the user instructs the sale of the securities based on the information regarding the withdrawal of the sale proceeds of the securities. Charge the app user's electronic money account.

That is, the charge processing unit 133 settles electronic money corresponding to the sale proceeds of the securities on the day (T day) when the user instructs the sale of the securities based on the information regarding the payment of the sale proceeds of the securities. Charge the app user's electronic money account.

(Payment requesting unit 134)
The payment requesting unit 134 charges the external server (securities server 200) via the communication unit 110 for an amount equivalent to the charge to the payment application, based on the claims relating to the sale price of the financial product. For example, the payment requesting unit 134 later requests the debtor's information processing device for an amount equivalent to the charge to the payment application, based on the claims relating to the sales proceeds of the financial product. In addition, the payment requesting unit 134 charges the debtor's information processing device for the charge to the payment application on the day (day T) when the user sells the financial product, based on the claims related to the sale price of the financial product. . Then, the payment requesting unit 134 registers that effect in the transaction information database 121 of the storage unit 120 .

For example, the payment requesting unit 134 requests the securities server 200 of the securities company via the communication unit 110 an amount equivalent to the charging fee for the user's electronic money account based on the claims related to the withdrawal of the sale proceeds of the securities. Claim. At this time, the payment requesting unit 134 sends the securities server 200 of the securities company to the securities company's securities server 200 based on the claims related to the withdrawal of the sales proceeds of the securities after the day (T + 2nd day) when it becomes possible to withdraw the sales proceeds of the securities. In response, the user's electronic money account is billed for an equivalent amount.

That is, the payment requesting unit 134, as a creditor, the first business operator (settlement service business operator), to the debtor, the second business operator (securities company) to charge the user's electronic money account an equivalent amount. Here, the payment requesting unit 134 asks the securities server 200 of the second business operator (securities company), which is the debtor, as the payment server 100 of the first business operator (settlement service business operator) to make a payment to the electronic money account of the user. Send a payment request for an amount equivalent to the charge price. Note that, actually, the payment requesting unit 134 is a mechanism (payment screen, etc.) may be provided. The same is true for billing the charging fee to the electronic money account.

(Payment receipt unit 135)
The payment receiving unit 135 receives, via the communication unit 110, payment of an amount equivalent to the charge to the payment application from the debtor. For example, the payment receiving unit 135 receives a payment equivalent to the charging fee from the debtor at a later date. Then, the payment receiving unit 135 registers that effect in the transaction information database 121 of the storage unit 120 .

For example, the payment receiving unit 135 receives, via the communication unit 110, a notice of payment of an amount equivalent to the amount charged to the user's electronic money account from the securities server 200 of the securities company. For example, the securities server 200 deposits the charge amount into the bank account of the settlement service provider and sends a notification to the settlement server 100 to the effect that the payment has been made. Therefore, the payment receiving unit 135 receives the payment notification from the securities server 200 . At this time, the payment receiving unit 135 receives a notice of payment of the equivalent amount of the charging fee from the securities server 200 of the securities company after the day (the T+2 day) when the payment of the sales proceeds of the securities becomes possible.

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

[5. Processing procedure]
Next, a processing procedure by the settlement server 100 according to the embodiment will be described with reference to FIG. FIG. 10 is a flowchart illustrating a processing procedure according to the embodiment; Note that the processing procedure described below is repeatedly executed by the control unit 130 of the settlement server 100 .

As shown in FIG. 10, the reception unit 132 of the settlement server 100 preliminarily allows a user to sell securities through an asset management mini-application of a securities company that mediates the trading of securities in a settlement application that performs settlement using electronic money. Receives the transfer of the claim related to the withdrawal of the sale proceeds of the securities to be sold (step S101). The reception unit 132 concludes a contract to collectively accept the assignment of claims for all transactions. In practice, the receiving unit 132 may receive the transfer of the claim related to the withdrawal of the sale proceeds of the securities for each individual transaction (each time the securities are sold).

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

Subsequently, the charge processing unit 133 of the settlement server 100 charges electronic money corresponding to the sale proceeds of the securities on the day (T day) when the user instructs the sale of the securities based on the information on the sale proceeds of the securities. is charged to the electronic money account of the user of the payment application (step S103).

Subsequently, the payment requesting unit 134 of the payment server 100 charges the electronic money account of the user of the payment application with electronic money equivalent to the sales price of the securities, and then sends the payment to the securities server 200 of the securities company via the communication unit 110. is billed for the amount equivalent to the amount charged to the user's electronic money account (step S104). Note that the timing of billing the securities server 200 of the securities company for the amount equivalent to the charge price itself may be "T day", which is the day of the transaction, or after that (including two business days before). Of course, it may be after two business days (T+2nd day) from the day of the transaction (Tth day). In other words, it may be done after charging the electronic money account of the user U with the electronic money corresponding to the selling price of the securities.

Subsequently, the payment receiving unit 135 of the payment server 100, after the user's electronic money account has been billed for the amount equivalent to the charging fee, two business days after the day of the transaction (T day) (T+2 days), A notice of payment of an amount equivalent to the charging fee is received from the securities server 200 of the securities company via the communication unit 110 (step S105). In other words, even if you request the amount equivalent to the recharge price before two business days (T+2 days) from the day of the transaction (T day), you will receive notification of payment of the equivalent amount of the recharge price only on the day of the transaction (T day). ) two business days later (T+2 days). If the amount equivalent to the recharge fee is claimed after two business days (T + 2 days) from the day of the transaction (T day), the notification of the payment of the equivalent amount of the recharge fee will be received on the day of the transaction (T day). day) to two business days later (T + 2nd day).

[6. Modification]
The terminal device 10 and the settlement server 100 described above may be implemented in various different forms other than the above embodiment. So, below, the modification of embodiment is demonstrated.

In the above embodiment, part or all of the processing executed by the settlement server 100 may actually be executed by the terminal device 10 . For example, the processing may be completed stand-alone (by the terminal device 10 alone). In this case, it is assumed that the terminal device 10 has the functions of the settlement server 100 in the above embodiment. In addition, in the above embodiment, the terminal device 10 cooperates with the settlement server 100, so from the user U's point of view, it appears that the terminal device 10 is executing the processing of the settlement server 100 as well. That is, from another point of view, it can be said that the terminal device 10 includes the payment server 100 .

Further, in the above embodiment, the securities server 200 of the securities company transmits/alternatively transmits the information regarding the sales proceeds of the securities in step S2 when transmitting in step S3 shown in FIG. Electronic money equivalent to the sale price of securities may be deposited. That is, the securities server 200 may transfer (deposit) the electronic money equivalent to the sales proceeds of the securities in step S2 from the securities company's electronic money account to the settlement service provider's electronic money account. The payment server 100 of the payment service provider may charge the electronic money account of the user U with electronic money corresponding to the sale price of the securities in accordance with the electronic money from the securities company. Further, the securities server 200 of the securities company may compensate the amount corresponding to the payment in electronic money from the amount deposited in the securities account of the user U. For example, the securities server 200 of the securities company charges the electronic money account of the securities company with electronic money equivalent to the amount transferred to the electronic money account of the settlement service provider using the sale proceeds of the securities of the user U. do. At this time, the settlement server 100 of the settlement service provider accepts deposit of electronic money in an amount based on the sales proceeds of financial products from the securities server 200 of the securities company, and accepts deposit of electronic money from the securities server 200 of the securities company. Accordingly, the payment application may be charged with electronic money in an amount based on the sales proceeds of the financial product. In this case, the assignment of the claim in step S1 and the billing and payment processing in steps S5 to S8 are not required.

Further, in the above embodiment, the securities server 200 of the securities company pays the amount equivalent to the charging fee in step S4 in electronic money, not in a bank account, when paying in step S8 shown in FIG. may That is, the securities server 200 may transfer (deposit) the amount equivalent to the charge amount in step S4 from the electronic money account of the securities company to the electronic money account of the settlement service provider. In addition, the securities server 200 of the securities company compensates the amount corresponding to the payment in electronic money from the amount deposited in the securities account of the user U. For example, the securities server 200 of the securities company charges the electronic money account of the securities company with an amount of electronic money equivalent to the amount of the payment, using the sales proceeds of the securities of the user U. At this time, the settlement server 100 of the settlement service provider requests the securities server 200 of the securities company to charge the electronic money account of the user U on the day when the user U instructs to sell the financial product. Alternatively, the payment for the charge may be received in electronic money from the securities server 200 of the securities company. In this case, the assignment of the claim in step S1 becomes unnecessary. In addition, the billing and payment processes in steps S5 to S8 can be performed even on the day of the transaction.

In the above embodiment, the settlement server 100 may be an information processing device that provides some kind of web service to the terminal device 10 of each user U online. For example, the payment server 100 provides web services such as Internet connection, search service, SNS (Social Networking Service), electronic commerce (EC), electronic payment, online game, online banking, online trading, accommodation/ticket reservation, Services such as video/music distribution, news, maps, route search, route guidance, route information, operation information, and weather forecast may be provided. In practice, the settlement server 100 may cooperate with various servers that provide web services as described above, mediate the web services, or take charge of the processing of the web services.

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

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

[7. effect〕
As described above, the information processing device (the terminal device 10 and the settlement server 100) according to the present application allows the user to control the trading of financial products via a settlement application for settlement with electronic money. When the user gives an instruction to sell the financial product, the receiving unit 132 receives information about the sales proceeds of the financial product from the external server, and the external server sells the financial product based on the information about the sales proceeds of the financial product. A charge processing unit 133 for charging the payment application with electronic money in an amount based on the sales proceeds of the financial products until the server confirms receipt of the sales proceeds of the financial products.

In addition, the information processing apparatus according to the present application includes a charge requesting unit 134 for requesting an amount equivalent to the charging fee for the payment application from the external server, and a payment receiving unit 134 for receiving payment of an amount equivalent to the charging fee for the payment application from the external server. and a portion 135 .

Further, the payment requesting unit 134 will later request the external server for the amount equivalent to the charging fee for the payment application, and the payment receiving unit 135 will receive the payment equivalent to the charging fee from the external server at a later date.

The receiving unit 132 receives electronic money received from an external server in an amount based on the sales proceeds of the financial product, and the charge processing unit 133 receives the electronic money received from the external server. You may charge the payment application with electronic money in an amount based on

Alternatively, the payment requesting unit 134 requests the external server for the charging fee to the user's electronic money account on the day the user instructs to sell the financial product, and the payment receiving unit 135 receives the charging fee from the external server. payment may be received in electronic money.

In addition, the receiving unit 132 receives credits related to withdrawal of sales proceeds of securities sold by the user via an asset management mini-app of a securities company that mediates the trading of securities within a payment application that performs payment using electronic money. Receiving the transfer, the charge processing unit 133 receives electronic money corresponding to the sale proceeds of the securities on the day when the user instructs to sell the securities in response to the transfer of the claim related to the withdrawal of the sale proceeds of the securities. Charge the electronic money account of the user of the payment application.

In addition, the payment requesting unit 134 requests the securities company for an amount equivalent to the amount charged to the user's electronic money account based on the claims related to the withdrawal of the sale proceeds of the securities, and the payment receiving unit 135 receive payment equivalent to the amount charged to the electronic money account of the user.

In addition, the payment requesting unit 134 charges the user's electronic money account to the securities company based on the claim related to the withdrawal of the sale proceeds of the securities after the day when the withdrawal of the sale proceeds of the securities becomes possible. An amount equivalent to the charge is charged, and the payment receiving unit 135 receives notification of payment of an amount equivalent to the charge charge from the securities company after the date on which withdrawal of the sale proceeds of the securities becomes possible.

In other words, the information processing apparatus according to the present application provides a payment service through the asset management mini-app of the second business operator that mediates the trading of securities, among the mini-apps in the settlement app of the first business operator that provides settlement services with electronic money. a receiving unit 132 for receiving information about the sale proceeds of the securities on the day when the user instructs to sell the securities; , a charge processing unit 133 that charges the electronic money account of the user of the payment application with electronic money equivalent to the sale price of the securities, and a user as the information processing device of the first business operator to the information processing device of the second business operator. and a payment requesting unit 134 for requesting an amount equivalent to the amount charged to the user's electronic money account, and a payment receiving unit 135 for receiving payment of an amount equivalent to the amount charged to the user's electronic money account from the information processing device of the second business operator. And prepare.

Further, another information processing apparatus (securities server 200) according to the present application receives billing information including user identification information and electronic money charge amount to the user's electronic money account from the payment server 100 of the payment service provider. a receiving unit that stores the received billing information, a detecting unit that detects payment to the user's securities account according to the user's identification information included in the saved billing information, and a case where payment to the user's securities account is detected and a deposit processing unit that deposits the charge amount included in the stored billing information from the security account of the user whose payment is detected to the bank account of the settlement service provider.

The information processing system 1 according to the present embodiment includes a settlement server 100 of a settlement service provider and a securities server 200 of a securities company. When the securities server 200 that controls the trading of financial products is instructed to sell the financial products, a reception unit that receives information about the sales proceeds of the financial products from the securities server 200 and the sales proceeds of the financial products. After the user sells the financial product based on the information, until the securities server 200 confirms receipt of the sales proceeds of the financial product, an amount of electronic money based on the sales proceeds of the financial product is charged to the payment application. and a transmission unit for transmitting billing information including the identification information of the user and the charging amount of electronic money to the electronic money account of the user to the securities server 200. , a receiving unit for receiving and storing billing information including user's identification information and electronic money charge amount to the user's electronic money account; A detection unit that detects payment to an account, and when payment is detected to a user's securities account, the charge amount included in the saved billing information is transferred from the user's securities account where the payment is detected to a settlement service. and a deposit processing unit that deposits money into the bank account of the business operator.

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

In the above example, an example of depositing money from a user's securities account to a settlement service provider's bank account has been described, but the embodiment is not limited to this. Bank accounts in the above-described processing include accounts of financial institutions other than banks, such as credit unions, credit unions, the Shoko Chukin Bank, agriculture, forestry and fisheries cooperatives (excluding securities companies). In the above-described processing, "bank account" can be read as "financial institution account" which is an account of various financial institutions, and a bank account corresponds to an example of a financial institution account.

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

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

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

(Securities account database 221)
The security account database 221 is a database relating to user U's security account. For example, in the securities account database 221, as information on the securities account of user U, user U (for example, identification information of user U) and information on securities owned by user U (for example, user U Information indicating the brand and quantity of securities owned by U) and information indicating the amount deposited into the securities account of user U (for example, the amount received from the sale of securities owned by user U) are registered in association with each other. It is In addition, any information related to user U's securities account may be registered in the securities account database 221 . Also, in the securities account database 221, various publicly known information necessary for realizing securities accounts related to so-called securities is registered.

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

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

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

The detection unit 232 detects payment to the securities account of the user U according to the identification information of the user U included in the billing information saved by the reception unit 231 . For example, the detection unit 232 refers to the securities account database 221 and the billing information, and when there is payment to the securities account of the user U, determines whether the payment corresponds to the billing information. If the payment corresponds to the billing information, it is assumed that payment to the securities account of the user U has been detected.

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

Note that the securities server 200 may perform the following processes in addition to the processes described above. For example, the upper limit of the amount of securities that can be specified by the user U at the time of sale is an amount corresponding to the quantity of financial instruments owned by the user. For example, when the market opens, the amount corresponding to the quantity of financial products fluctuates depending on the stock price, standard price, etc. at that time. For this reason, the securities server 200 manages the information of the securities owned by the user U, calculates the upper limit of the amount that the user can set based on this information, and sets the calculated upper limit of the amount to the terminal device at an arbitrary timing. 10 or the settlement server 100.

In addition, when the financial product is sold, the securities server 200 executes processing to transfer the quantity of the sold financial product from the user's ownership to the securities company's ownership based on the information regarding the ownership of the financial product. good too.

[9. Hardware configuration]
Also, the terminal device 10, the settlement server 100, and the securities server 200 according to the above-described embodiments are implemented by a computer 1000 configured as shown in FIG. 12, for example. The settlement server 100 will be described below as an example. FIG. 12 is a diagram illustrating an example of a hardware configuration; The 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 I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are buses. It has a form connected by 1090.

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 arithmetic unit 1030 is implemented by, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (random access memory) that temporarily stores data used for various calculations by the arithmetic device 1030 . 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. State Drive), flash memory, or the like. The secondary storage device 1050 may be an internal storage or an external storage. Also, the secondary storage device 1050 may be a removable storage medium such as a USB (Universal Serial Bus) memory or an SD (Secure Digital) memory card. The secondary storage device 1050 may be cloud storage (online storage), NAS (Network Attached Storage), file server, or the like.

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

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

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

Note that the input device 1020 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, a semiconductor memory, or the like.

Network I/F 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.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output I/F 1060 and input I/F 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 computer 1000 functions as payment server 100 , computing device 1030 of computer 1000 implements the functions of control unit 130 by executing a program loaded on primary storage device 1040 . Arithmetic device 1030 of computer 1000 may load a program acquired from another device via network I/F 1080 onto primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with another device via the network I/F 1080, and call functions, data, etc. of the program from another program of the other device for use.

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

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of this can also be 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 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.

For example, the payment server 100 described above may be implemented by a plurality of server computers, and depending on the function, an external platform may be called using an API (Application Programming Interface) or network computing. Flexible to change.

Also, the above-described embodiments and modifications can be appropriately combined within a range that does not contradict the processing content.

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

1 information processing system 10 terminal device 100 settlement server 110 communication unit 120 storage unit 121 transaction information database 130 control unit 131 acquisition unit 132 reception unit 133 charge processing unit 134 payment request unit 135 payment reception unit 200 securities server

Claims (3)

A payment server of a payment service provider, in which the payment service provider provides electronic money in an amount based on the sales proceeds of the financial product on the day the user instructs to sell the financial product. a receiving unit for receiving and storing billing information including identification information of the user and charge amount of electronic money to the electronic money account of the user from a settlement server for charging the electronic money account of the user in the service ;
a detection unit that detects payment to the securities account of the user according to the identification information of the user included in the saved billing information;
When it is detected that the payment has been made to the security account of the user, the charging amount included in the stored billing information is transferred from the security account of the user whose payment has been detected to the financial institution account of the settlement service provider. a deposit processing unit that
An information processing device comprising: An information processing method executed by an information processing device,
A payment server of a payment service provider, in which the payment service provider provides electronic money in an amount based on the sales proceeds of the financial product on the day the user instructs to sell the financial product. a receiving step of receiving and storing billing information including identification information of the user and charge amount of electronic money to the electronic money account of the user from a settlement server for charging the electronic money account of the user in the service ;
a detection step of detecting payment to the securities account of the user according to the identification information of the user included in the stored billing information;
When it is detected that the payment has been made to the security account of the user, the charging amount included in the stored billing information is transferred from the security account of the user whose payment has been detected to the financial institution account of the settlement service provider. a deposit processing process to
An information processing method comprising: A payment server of a payment service provider, in which the payment service provider provides electronic money in an amount based on the sales proceeds of the financial product on the day the user instructs to sell the financial product. a receiving procedure for receiving and storing billing information including identification information of the user and a charge amount of electronic money to the electronic money account of the user from a settlement server for charging the electronic money account of the user in the service ;
a detection procedure for detecting payment to the securities account of the user according to the identification information of the user included in the stored billing information;
When it is detected that the payment has been made to the security account of the user, the charging amount included in the stored billing information is transferred from the security account of the user whose payment has been detected to the financial institution account of the settlement service provider. a payment processing procedure to
An information processing program for executing a computer.

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