JP7330412B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve usability in an electronic payment service. An information processing device according to the present application is a virtual account that is arbitrarily assigned to a service user who is a user of an electronic payment service from among a plurality of virtual accounts borrowed from partner financial institutions. an information processing device that charges an amount of electronic money equivalent to the amount of money transferred to a virtual account as a money balance linked to a user account owned by a service user in an electronic payment service, the information processing device comprising: It has a transfer adjustment unit that, when receiving a transfer error in a transfer to an account from a financial institution, notifies information about the transfer error to a service user associated with the virtual account corresponding to the transfer error. [Selection drawing] Fig. 7

Description

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

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

Further, as one of the above-described electronic payment services, there is a service that employs a scheme that enables electronic payment by charging and using electronic money in association with a pre-issued user account. In relation to such a service, holding correspondence information that associates a virtual account number with an electronic money terminal ID, obtains an electronic money terminal ID corresponding to the virtual account number for which a transfer has been made, Techniques for transmitting the acquired electronic money terminal ID and transfer amount information to an electronic money server are disclosed.

Recently, the government has begun to consider introducing a so-called "digital salary payment" that allows payment of salaries by digital money such as the above-mentioned electronic money and virtual currency to fund transfer companies that operate fund transfer businesses. If the introduction of “digital payment of salaries” is started, it is expected that the use of services using digital money will expand.

Japanese Patent Application Laid-Open No. 2009-80605

However, the conventional technology described above still leaves room for improvement in terms of improving usability in electronic payment services. For example, there are cases where it is desired to quickly grasp that electronic money charging has failed.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program capable of improving usability in an electronic payment service.

The information processing device according to the present application is a virtual account arbitrarily assigned to a service user who is a user of an electronic payment service from among a plurality of virtual accounts borrowed from affiliated financial institutions. An information processing device that charges an amount of electronic money equivalent to the transfer amount as a money balance linked to a user account owned by a service user in an electronic payment service when a transfer is made to a virtual account. a transfer error is received from a financial institution, the transfer adjustment unit notifies information about the transfer error to the service user associated with the virtual account corresponding to the transfer error.

According to one aspect of the embodiment, it is possible to improve the usability of the electronic payment service.

FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of an overview (part 2) of information processing according to the embodiment. FIG. 3 is a diagram illustrating an example of an outline (part 3) of information processing according to the embodiment. FIG. 4 is a diagram showing an example of notification of payment by transfer by the transfer payment service according to the embodiment. FIG. 5 is a diagram showing an overview of name change processing according to the embodiment. FIG. 6 is a diagram showing an overview of the transfer amount adjustment process according to the embodiment. FIG. 7 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 8 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment; 9 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. 10 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; FIG. FIG. 11 is a flow chart showing an example of the processing procedure of account allocation processing executed by the settlement server according to the embodiment. FIG. 12 is a flow chart showing an example of a processing procedure for reflection processing of deposited money executed by the settlement server according to the embodiment. FIG. 13 is a flowchart illustrating an example of a processing procedure of a transfer amount adjustment process executed by the settlement server according to the embodiment; FIG. 14 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(1-6. Name change processing)
Hereinafter, the name change processing in the money transfer service will be described with reference to FIG. FIG. 5 is a diagram showing an overview of name change processing according to the embodiment. The above money transfer service has room for improvement in the following points.

For example, in the example shown in FIG. 3 above, when user UZ uses the money transfer payment service, user UZ sends the transfer destination information including the information indicating the dedicated account for salary receipt notified from the settlement server 100 to the transfer request destination ( Employer C, etc.). On the other hand, in the money transfer service described above, the account name of the plurality of virtual accounts that the settlement server 100 has lent from the bank server 20 is the business operator PP that provides the money transfer service through the settlement server 100 . For this reason, when a transfer request destination (e.g., employer C) makes a salary transfer, the name of the recipient (e.g., "Sho Hyo Jin") and the name of the dedicated account to which the transfer is to be made (e.g., business operator PP ), if a policy or scheme is adopted in which the salary is credited according to the exact match, a situation in which the salary is not credited will occur. Such a situation can occur not only in the transfer of salary but also in other transfer payments. In view of the occurrence of such a situation, the settlement server 100 executes the name change processing described below.

As shown in FIG. 5, for example, the user UX submits a request for creation of a dedicated bank account to the settlement server through the top screen of the user application displayed on the user terminal 10 (for example, screen D1-1 shown in FIG. 1). 100 (step S41).

When the settlement server 100 receives a request to create a special account for deposit from the user terminal 10, it determines the status of the user UX who requested the creation (step S42). Specifically, based on the user ID included in the dedicated account creation request as identification information unique to the user UX, the settlement server 100 refers to the status information associated with the user ID, and It is determined whether or not the identity verification procedure by the original user UX has been completed.

For example, the identity verification procedure may be executed in advance as a compliance check at the time of applying for use of the money transfer service, or may be executed at an arbitrary timing at the request of the service user. It is assumed that the identity verification procedure is performed by, for example, KYC (Know Your Customer) or eKYC (electronic Know Your Customer). The settlement server 100 manages the result of the identity verification procedure and the identity verification information used in the identity verification procedure in association with the user ID. When a service user mails a predetermined document as identity verification information, the settlement server 100 stores and manages information about the received document as identity verification information in the storage unit. In addition, when the identity verification information is uploaded online from the service user, the settlement server 100 stores and manages the received identity verification information in the storage unit. Any information that can identify the person can be used as identity verification information, such as driver's license, passport, My Number card, etc., as well as images (selfies) taken by service users themselves that show the person's appearance. exemplified.

The settlement server 100 allocates a dedicated account (virtual account) for deposit to the user UX who made the creation request according to the result of the status determination (step S43). Specifically, if the status of the user UX who requested the creation is that the identity verification procedure has been completed, the settlement server 100 A virtual account arbitrarily selected from a plurality of virtual accounts for use is arbitrarily assigned as a dedicated account (virtual account) corresponding to the user UX who requested creation.

In addition, the settlement server 100 associates the account number for identifying the dedicated account (virtual account) assigned to the user UX with the user ID corresponding to the user UX, and stores it in the storage unit as user information. (step S44).

After allocating the account to the user UX, the settlement server 100 executes name change processing for changing the name of the dedicated account (virtual account) allocated to the user UX to the name of the user (step S45). . Specifically, the settlement server 100 sends a name change request including the account number of the virtual account subject to the name change (for example, "111112") and the desired change name (for example, "Tokyo Kenichi"). A request is transmitted to the bank server 20 (step S45). Note that the name change process may be executed as a series of processes after allocating a dedicated account (virtual account) to the user UX, as described above, or as an on-demand process in response to a request from the user UX. may be performed as

In addition, the name change processing by the settlement server 100 accesses a management file that manages the virtual accounts lent to the settlement server 100 by the bank through a predetermined interface such as an API provided by the bank. It may be executed by rewriting the account name information associated with the account.

After the name change process is completed, the settlement server 100 transmits account information including an account number (for example, "111112") and an account name (for example, "Tokyo Kenichi") to the user terminal 10. UX is notified (step S46).

As described above, the settlement server 100 executes the name change processing of the dedicated account (virtual account) assigned to the service user who made the creation request, in response to the request to create a dedicated account for depositing funds. For this reason, it is possible to support the smooth operation of the transfer payment service scheme provided through the same platform as the electronic payment service, and to expand the use of the electronic payment service.

In addition, when the settlement server 100 determines by status determination that the identity verification procedure has been completed for the user UX that requested creation, the identity verification information used for the identity verification procedure is within the validity period. On this condition, a dedicated account (virtual account) for deposit payment may be assigned to the user UX who requested the creation. In addition, when executing the name change process, the settlement server 100 may change the name of the dedicated account (virtual account) to the user name of the user UX confirmed in the identity verification procedure.

The settlement server 100 may set and manage the expiration date of the virtual account assigned to the user UX who requested the creation. For example, the settlement server 100 associates the expiration date of the virtual account assigned to the service user with the user ID in accordance with the expiration date of the identity verification information, and stores and manages it in the storage unit. For example, in the case shown in FIG. 5, the settlement server 100 associates the expiration date of the personal identification information “2024/10/01” with the user ID as the expiration date of the dedicated account (virtual account) allocated to the user UX. It is attached and stored in the storage unit for management.

In addition, the settlement server 100 may accept a request to change the personal identification information from a service user of the money transfer service. In this case, the settlement server 100 updates the identity verification information before change to the identity verification information after change in association with the user ID based on the change request received from the service user, and stores the information in the storage unit. . Note that the user application may be equipped with a function for the service user to make a request to change the personal identification information. In addition, if the user's name has been changed (for example, if the user's surname has changed due to marriage) when accepting the change of the identity verification information, the settlement server 100 can change the account name as well. good.

In addition, in the name change process, the settlement server 100 may apply the user name of the service user when changing the user name of the dedicated account (virtual account) assigned to the service user who requested creation. However, you may apply any character string you wish to use as a name. Also, the settlement server 100 may limit the number of characters in the name of the user after the change. In this case, if the user name corresponding to the change request exceeds the maximum number of characters set in advance, the settlement server 100 uses the user name after adjustment so that the user name is less than or equal to the number of characters. Execute change processing. For example, the settlement server 100 can adjust the number of characters in the user name so that the number of characters from the beginning of the user name is equal to or less than the maximum number of characters. In addition, when the expiration date of the personal identification information and the expiration date of the virtual account are set in association with each other, the payment server 100 sets the expiration date of the identification information, for example, one month before the expiration date. In such case, either one of the fact that the deadline for identity verification is approaching, or that the virtual account cannot be used after the deadline has passed, or a notification of a request to update the identity verification including both will be sent to the user's terminal. You may

(1-7. Transfer amount adjustment process)
The transfer amount adjustment processing in the transfer payment service will be described below with reference to FIG. FIG. 6 is a diagram showing an overview of the transfer amount adjustment process according to the embodiment. The above money transfer service has room for improvement in the following points.

In the money transfer service described above, processing is executed for the purpose of complying with retention regulations in the fund transfer industry that are mandated by law. For example, the operator who operates the settlement server 100 makes an agreement in advance with the affiliated bank to refuse the acceptance of the bank transfer if the amount of money deposited in one shot exceeds a predetermined amount. Keep As a result, in the bank server 20, if the amount of one payment exceeds a predetermined amount, the bank server 20 refuses to accept the payment by bank transfer.

Alternatively, the settlement server 100 checks whether or not the money balance after reflecting the amount of money deposited into the dedicated account (virtual account) exceeds a predetermined amount even if the amount of money deposited at one time (1 shot) does not exceed the predetermined amount. judge. If the money balance associated with the service user to be processed (hereinafter referred to as the "target user") exceeds a predetermined amount, the payment server 100 closes the bank account associated with the target user in advance. is the remittance destination, and a refund process is executed to remit the amount of cash equivalent to the amount exceeding the predetermined amount.

In this manner, both the bank server 20 side and the settlement server 100 side perform processing for limiting the amount of money to be deposited. On the other hand, it is assumed that the payment server 100 adopts a scheme of executing refund processing on the condition that the service user has completed the identity verification procedure, for example. Based on this assumption, for example, if a deposit to a dedicated account is accepted and the money balance exceeds a predetermined amount, if the target user to whom the refund is to be made has not completed the identity verification procedure, the refund is not performed. Therefore, the settlement server 100 according to the embodiment executes the transfer amount adjustment process described below.

As shown in FIG. 6, the settlement server 100 refers to the account information and calculates the chargeable amount of the service user to be processed (step S51). Specifically, based on the difference between the current money balance associated with the user account of the service user to be processed and the upper limit of the money balance corresponding to the service user, the settlement server 100 Calculate the chargeable amount of the service user. For example, in the case shown in FIG. 6, the settlement server 100 sets the current money balance of the service user to be processed to 100,000 yen and the upper limit of the money balance of the service user to 1,000,000 yen. 900,000 yen, which is the difference between the two, is calculated as the chargeable amount.

Note that the settlement server 100 may calculate the chargeable amount at a predetermined timing according to an increase or decrease in the money balance associated with the user account of the service user. For example, the settlement server 100 checks the money balance of each service user at a predetermined timing (for example, daily), and identifies service users who are allowed to increase or decrease the money balance as targets for processing. The chargeable amount may be calculated for the service user to be processed. Alternatively, the settlement server 100 may calculate the chargeable amount when a predetermined time is reached after extracting the service target person to be processed. In addition, the settlement server 100 confirms the next chargeable amount of each service user based on the chargeable amount of the service user, the frequency of charge of the money balance, and the frequency of use of the money balance. You may control the timing of the notification of the maximum transfer amount. For example, the settlement server 100 may adjust the cycle for calculating the chargeable amount according to the chargeable amount, the frequency of charging the money balance, and the frequency of use of the money balance. Specifically, for example, for service users whose chargeable amount is less than a certain amount, the payment server 100 calculates the chargeable amount at a timing earlier than that for service users whose chargeable amount is equal to or greater than a certain amount. Effective processing can be realized by shortening the period of . In addition, for example, the settlement server 100 may be a service user whose money balance is charged relatively less frequently or whose money balance is used less frequently than other service users (for example, the frequency of use is less than a predetermined threshold value). service users who are less than a specified threshold) are more likely than service users with a relatively high frequency of recharging money balances and using money balances (service users whose frequency of use is equal to or higher than a predetermined threshold) Efficient processing can be realized by lengthening the cycle of calculation timing of the chargeable amount. Note that the period may be updated again at the timing when the chargeable amount is calculated, depending on the size of the chargeable amount, the frequency of charging the money balance, and the frequency of using the money balance.

Subsequently, the settlement server 100 notifies the bank server 20 of the chargeable amount calculated in step S51 as the maximum transfer amount of the virtual account assigned to the service user to be processed (step S52). Specifically, the settlement server 100 refers to the user information and identifies the account number of the virtual account assigned to the service user based on the user ID of the service user to be processed. . The settlement server 100 then transmits to the bank server 20 a notification including information on the account number of the specified virtual account and information on the maximum transfer amount. For example, in the case shown in FIG. 6, the settlement server 100 transmits to the bank server 20 a notification including the maximum transfer amount of 900,000 yen and the account number "111112."

In addition, the settlement server 100 manages the maximum transfer amount for each virtual account through a predetermined interface such as an API provided in advance by the bank, instead of sending the notification of the maximum transfer amount to the bank server 20. It may be changed by accessing the management file and rewriting the information on the maximum transfer amount associated with the corresponding virtual account in the management file.

The settlement server 100 may also calculate the chargeable amount if the service user to be processed has not completed the identity verification procedure. As a result, even when adopting a scheme in which the refund process is executed on the condition that the service user has completed the identity verification procedure, the upper limit of the transfer amount can be transferred to the bank server 20 side. For service users who have not completed the formal confirmation procedure, the bank server 20 can impose restrictions on deposits.

In addition, when the service user to be processed has completed the identity verification procedure, the settlement server 100 can execute the refund process for the service user. In this case, the settlement server 100 compares the money balance associated with the user account owned by the service user with the upper limit of the balance previously set in association with the user account, and finds that the money balance exceeds the upper limit of the balance. In this case, out of the money balance, the amount corresponding to the amount exceeding the upper limit of the balance may be paid out. Note that the payment server 100 can execute the above-described refund processing when the service user to be processed has completed the identity verification procedure, and thus does not need to execute the transfer adjustment processing.

In addition, when the payment server 100 executes the refund process, if the service user who is the payment destination does not have a payment destination account registered, the payment destination account Service users may be notified of the registration request for The settlement server 100 can notify the service user of a payout account registration request by push notification through the user application. In addition, the settlement server 100 is not limited to notification through the user application, but also uses user information registered by the service user, such as e-mail, SMS (Short Message Service), and linked SNS (Social Networking Service). Notification may be made by any means of communication.

In addition, the settlement server 100 can receive a transfer error from the bank server 20 due to the fact that the amount of money transferred to the virtual account exceeds the transfer upper limit. In this case, the settlement server 100 may notify information about the transfer error to the user terminal 10 of the service user associated with the account number of the virtual account corresponding to the transfer error received from the bank server 20 . At this time, the payment server 100 can notify the information about the transfer error by any communication means such as push notification or e-mail through a user application, which is a dedicated application provided to the service user.

[2. Configuration of payment server]
Next, the configuration of the settlement server 100 will be described using FIG. FIG. 7 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 7, the settlement server 100 has a communication section 110, a storage section 120, and a control section .

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

(Regarding storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 7, the storage unit 120 has a virtual account information storage unit 121, a user information storage unit 122, and an account information storage unit 123.

(Regarding virtual account information storage unit 121)
The virtual account information storage unit 121 stores information on virtual accounts borrowed from affiliated banks. FIG. 8 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment; As shown in FIG. 8, the information about the virtual account stored in the virtual account information storage unit 121 has an item of "virtual account number" and an item of "status".

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

For example, FIG. 8 shows that among the virtual account numbers, "111111", "111112", and "111113" are in use, and "999999" is in unused state.

(Regarding the user information storage unit 122)
The user information storage unit 122 stores user information regarding service users of the money transfer service. 9 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. As shown in FIG. 9, the user information stored in the user information storage unit includes a "user ID" item, a "virtual account (account number)" item, and a "user name" item. , "status" items, "identity verification information expiration date" items, "workplace/employer" items, "employee number" items, "company name" items, " It has a plurality of items such as the item of "amount to be received (10,000 yen)" and the item of "bank account for refund". These items of user information are associated with each other.

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

The "status" item stores status information indicating whether or not the service user's personal identification procedure has been completed. Information indicating the expiration date of the identity verification information submitted by the service user for use in the identity verification procedure is stored in the item of “personal identity verification information expiration date”.

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

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

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

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

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

According to FIG. 9, the account number of the virtual account for deposit payment assigned to the service user identified by the user ID: "U001" is "111112", the name is "Tokyo Kenichi", It is indicated that the "bank account for refund" is "ordinary account of D bank △△ branch ****". Further, according to FIG. 9, the service user identified by the user ID: "U001" has completed the identity verification procedure, and the expiration date of the identity verification information used for the identity verification procedure is "2024. October 1st".

(Regarding account information storage unit 123)
The account information storage unit 123 stores various types of information (account information) regarding an electronic money account (settlement account) owned by a service user in the electronic settlement service. 10 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; FIG. As shown in FIG. 10, the account information stored in the account information storage unit 123 includes items such as "account ID", "owner ID", "balance", and "details". , and “maximum balance amount”. These items of account information are associated with each other.

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

Information indicating the money balance (total balance), which is the balance of electronic money recorded in the electronic money account, is stored in the "balance" item. Information indicating the breakdown of the money balance is stored in the "breakdown" item. Specifically, the "breakdown" item includes the "salary" item and the "other than salary" item. The "salary" item stores information indicating the balance of digital money transferred as a salary through a money transfer service for receiving salary. The "non-salary" item stores information indicating the balance of digital money transferred as other than salary through the money transfer service. The item "maximum balance amount" stores information indicating the maximum balance amount of money that can be deposited into the electronic money account. For example, the maximum balance amount is set in advance for each service user.

According to FIG. 10, the owner of the electronic money account identified by "account ID": "account 001" is the service user identified by owner ID: "U001", and the money balance is "100, 000”, indicating that all of the details are other than salary. Also, as shown in FIG. 10, the upper limit of the balance corresponding to each owner (service user) is 1,000,000 yen.

(Regarding the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the payment server 100 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using the RAM as a work area. It is realized by being executed. Also, the control unit 130 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). 7, the control unit 130 according to the embodiment includes a detection unit 131, a reflection unit 132, a management unit 133, a name change unit 134, a calculation unit 135, a transfer adjustment unit 136, a payout unit 137, and each of these units implements or executes the information processing functions and actions described below.

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

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

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

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

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

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

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

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

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

In addition, the management unit 133 stores account numbers for identifying a plurality of virtual accounts with a predetermined name borrowed from a bank, which is a partner financial institution, and user identification information for identifying service users of the electronic payment service. is associated with the user ID and stored in the user information storage unit 122 for management.

In addition, the management unit 133 stores, in the user information storage unit 122, status information indicating whether or not the service user's personal identification procedure has been completed in association with the user ID, which is user identification information. and manage.

In addition, when receiving a virtual account creation request from a service user, the management unit 133, based on the status information associated with the user ID, which is the user identification information corresponding to the service user who made the creation request, Then, a status determination process is executed to determine whether or not the personal identification procedure by the service user who made the creation request has been completed. When the management unit 133 determines that the personal identification procedure has been completed, the management unit 133 allocates a virtual account to the service user.

In addition, when the management unit 133 determines that the identity verification procedure has been completed, the management unit 133 provides a service user with a virtual Accounts may be assigned.

In addition, the management unit 133 sets the expiration date of the identity verification information as the expiration date of the virtual account assigned to the service user, and stores it in the user information storage unit 122 in association with the user ID, which is the user identification information. can be managed by

In addition, when receiving a request to change the identity verification information from the service user, the management unit 133 associates the user ID, which is the user identification information, with the identity verification information before the change to the identity verification information after the change. It may be updated and stored in the user information storage unit 122 for management.

(Regarding name change section 134)
The name change unit 134 executes name change processing for changing the predetermined name of the virtual account assigned to the service user to the user name of the service user. For example, the name change unit 134 submits a name change request that includes the account number of the virtual account to be changed (for example, "111112") and the desired change name (for example, "Tokyo Kenichi"). , to the bank server 20 through the communication unit 110 . Note that the name change unit 134 accesses a management file that manages virtual accounts lent by the bank to the settlement server 100 through a predetermined interface such as an API provided by the bank, and corresponds to the corresponding virtual account in the management file. The name of the virtual account may be changed by rewriting the attached account name information. In addition, when executing the name change process, the name change unit 134 may change the name of the virtual account to be changed to the user name of the service user confirmed in the identity verification procedure.

In addition, when the user name to be the name after the change of the virtual account exceeds the upper limit number of characters set in advance, the name change unit 134 adjusts the user name so that it is equal to or less than the upper limit number of characters. The name change process may be executed using the name.

In addition, when the management unit 133 receives a request to change the identity verification information, the name change unit 134 uses the changed name if the name of the service user linked to the changed identity verification information has been changed. may execute the virtual account name change process. That is, if the name of the user has been changed (for example, the surname has changed due to marriage) when the change of the identity verification information is accepted, the name change unit 134 also changes the account name. may

(Regarding the calculator 135)
Based on the difference between the current money balance associated with the service user's user account and the upper limit of the balance, which is the upper limit of the money balance preset in association with the service user's user account, the calculation unit 135 , to calculate the chargeable amount of the service user.

Further, the calculation unit 135 may calculate the chargeable amount at a predetermined timing according to an increase or decrease in the money balance associated with the service user. Further, the calculation unit 135 may calculate the chargeable amount based on a period preset according to the size of the chargeable amount, the frequency of charging the money balance, or the frequency of use of the money balance. It should be noted that the period may be updated again at the timing when the chargeable amount is calculated, depending on the size of the chargeable amount, the frequency of charging the money balance, or the frequency of using the money balance.

Further, the calculation unit 135 may calculate the chargeable amount when the service user to be processed has not completed the identity verification procedure.

(Regarding transfer adjustment unit 136)
The transfer adjustment unit 136 notifies the partner bank of the chargeable amount calculated by the calculation unit 135 as the maximum transfer amount for the account number for identifying the virtual account. Note that the transfer adjustment unit 136 accesses a management file in which the bank manages the maximum transfer amount for each virtual account through a predetermined interface provided in advance by the bank, and the management file is associated with the corresponding virtual account. It may be changed by rewriting the information on the maximum transfer amount.

In addition, when the transfer adjustment unit 136 receives a transfer error from the bank due to the fact that the transfer amount to the virtual account exceeds the transfer upper limit, the transfer adjustment unit 136 identifies the virtual account corresponding to the transfer error. number) may be notified of information regarding the transfer error.

(Regarding payout unit 137)
When the service user to be processed has completed the identity verification procedure, the payout unit 137 pays out the money balance associated with the user account of the service user to be processed, exceeding the upper limit of the balance. Execute the refund process to pay out the corresponding amount.

Further, when executing the refund process, if the service user who is the payout destination does not have a payout account registered, the payout unit 137 requests the registration of the payout account through a dedicated application provided to the service user. Service users may be notified.

[3. Processing procedure example]
(3-1. Account allocation process)
An example of the processing procedure in the settlement server 100 according to the embodiment will be described below. FIG. 11 is a flow chart showing a processing procedure example of account allocation processing executed by the settlement server 100 according to the embodiment.

As shown in FIG. 11, the management unit 133 receives a request to create a dedicated account for the money transfer service (step S101). In addition, the management unit 133 determines whether or not the procedure for identity verification by the service user who requested the creation has been completed (step S102).

When the management unit 133 determines that the identity verification procedure by the service user who made the creation request has been completed (step S102; Yes), the identity verification information used for the identity verification procedure is within the expiration date. It is determined whether or not (step S103).

When the management unit 133 determines that the identity verification information used in the identity verification procedure is within the expiration date (step S103; Yes), it receives necessary items for account creation from the service user who made the creation request (step S104).

In addition, the management unit 133 allows the service user who requested the creation to select a virtual account arbitrarily selected from unused virtual accounts among the plurality of virtual accounts stored in the virtual account information storage unit 121. (step S105).

In addition, the management unit 133 associates the account information for specifying the dedicated account (virtual account) assigned in step S105 with identification information unique to the service user (for example, user ID), and stores the user information. It is registered in the section 122 (step S106).

The name change unit 134 also executes a name change process for changing the predetermined name of the virtual account assigned to the service user to the user name of the service user (step S107).

In addition, the management unit 133 notifies the service user who requested the creation of the information on the account to be created (step S108), and terminates the processing procedure shown in FIG.

Further, in step S103 described above, if the management unit 133 determines that the identity verification information used in the identity verification procedure is not within the validity period (is expired) (step S103; No), the identity verification information is transmitted to the user terminal 10 of the service user who made the creation request (step S109), and the processing procedure shown in FIG. 11 ends. Note that the management unit 133 may execute the processing procedure after step S104 described above when the identity verification information is updated by the service user who requested the creation.

Further, in step S102 described above, when the management unit 133 determines that the identity verification procedure by the service user who requested the creation has not been completed (the identity verification procedure has not been performed) (step S102; No). , a request for execution of the personal identification procedure is transmitted to the user terminal 10 of the service user who requested the creation (step S110), and the processing procedure shown in FIG. 11 is terminated. Note that the management unit 133 may execute the processing procedure after step S103 described above when the service user who requested the creation completes the identity verification procedure.

(3-2. Transfer payment reflection process)
FIG. 12 is a flow chart showing an example of the processing procedure of the reflected processing of the deposited money executed by the settlement server 100 according to the embodiment.

As shown in FIG. 12, the detection unit 131 detects a transfer to a bank account linked to a virtual account (dedicated account) (step S201).

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

(3-3. Transfer amount adjustment process)
FIG. 13 is a flow chart showing an example of the processing procedure of the transfer amount adjustment process executed by the settlement server 100 according to the embodiment.

As shown in FIG. 13, the calculation unit 135 determines whether or not to adjust the upper limit of transfer (step S301). For example, the calculation unit 135 determines whether or not the timing predetermined by the administrator of the settlement server 100 has been reached as the timing for adjusting the upper limit of transfer.

If the calculation unit 135 determines to execute adjustment of transfer conditions (step S301; Yes), the calculation unit 135 identifies service users to be processed (hereinafter referred to as "target users") (step S302).

The calculation unit 135 also refers to the account information and acquires the current money balance associated with the user account of the target user (step S303).

The calculation unit 135 also refers to the account information and acquires the upper limit of the money balance of the target user (upper limit of the balance) (step S304).

Further, the calculation unit 135 calculates the chargeable amount of the target user from the difference between the current money balance of the target user and the upper limit of the money balance (step S305). The calculation unit 135 transfers the calculated chargeable amount to the transfer adjustment unit 136 .

In addition, the transfer adjustment unit 136 notifies the partner bank of the chargeable amount calculated by the calculation unit 135 as the maximum transfer amount of the virtual account assigned to the target user (step S306).

The calculation unit 135 determines whether or not the processing has been completed for all target users (step S307). If the calculation unit 135 determines that the processing has been completed for all target users (step S307; Yes), the processing procedure shown in FIG. 13 is terminated. Conversely, if the calculation unit 135 determines that the processing has not been completed for all target users (step S307; No), the process returns to step S303 described above, and adjustment of the transfer upper limit is completed. Execute processing for other intended users who have not.

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

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

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

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

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

[5. effect〕
As described above, the payment server 100 according to the embodiment selects a service user who is an electronic payment service user from among a plurality of virtual accounts borrowed from a partner bank (an example of a “financial institution”). is a virtual account that is arbitrarily assigned to the customer, and when there is a transfer to the virtual account, the amount of electronic money equivalent to the transfer amount is the money balance linked to the user account owned by the service user in the electronic payment service charge as The settlement server 100 also has a calculation unit 135 and a transfer adjustment unit 136 . The calculation unit 135 calculates the rechargeable amount of the service user based on the difference between the current money balance associated with the user account and the upper limit of the balance, which is the upper limit of the money balance preset in association with the user account. Calculate The transfer adjustment unit 136 notifies the bank of the chargeable amount as the maximum transfer amount for the virtual account.

Alternatively, the transfer adjustment unit 136 may access a management file in which the bank manages the maximum transfer amount for each virtual account through a predetermined interface provided in advance by the bank, and change the maximum transfer amount.

Further, the calculation unit 135 may calculate the chargeable amount at a predetermined timing according to an increase or decrease in the money balance.

In addition, if the service user to be processed has completed the identity verification procedure, the settlement server 100 executes the refund process of paying out the amount corresponding to the amount exceeding the upper limit of the balance of the money balance. It further has a payout section 137 .

Further, when executing the refund process, if the service user who is the payout destination does not have a payout account registered, the payout unit 137 requests the registration of the payout account through a dedicated application provided to the service user. Service users may be notified.

In addition, when the transfer adjustment unit 136 receives a transfer error from the bank due to the fact that the transfer amount to the virtual account exceeds the transfer upper limit, the transfer adjustment unit 136 sends the service user linked to the virtual account corresponding to the transfer error. On the other hand, information about the transfer error may be notified.

Further, the calculation unit 135 may calculate the chargeable amount based on a period preset according to the size of the chargeable amount, the frequency of charging the money balance, or the frequency of use of the money balance.

As such, the payment server 100 according to the embodiment can improve usability in the electronic payment service by the processing executed by the above-described units or by any combination of the units. For example, in an electronic payment service, even if a scheme is adopted in which refund processing is executed on the condition that the service user has completed the identity verification procedure, the upper limit of the transfer amount is set in advance by the bank server 20. By handing it over to the bank server 20, it is possible to implement the deposit regulation at the bank server 20's border for the service user who has not completed the formal confirmation procedure. If the target user to whom the money is to be refunded has not completed the identity verification procedure, it is possible to avoid the inconvenience that the refund is not made. As a result, it is possible to improve the usability of the money transfer service provided through the same platform of the electronic payment service.

[6. Hardware configuration]
Also, the settlement server 100 according to the embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 14 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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

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

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

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

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

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

For example, when computer 1000 functions as payment server 100, which is an example of an information processing apparatus according to an embodiment, computing device 1030 of computer 1000 executes a program (for example, an information processing program) loaded on primary storage device 1040. By executing it, a function similar to that of the control unit 130 is realized. That is, arithmetic device 1030 implements processing by payment server 100 according to the embodiment in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

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

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

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

1 information processing system 10 user terminal 20 bank server 100 settlement server 110 communication unit 120 storage unit 121 virtual account information storage unit 122 user information storage unit 123 account information storage unit 130 control unit 131 detection unit 132 reflection unit 133 management unit 134 Name change unit 135 Calculation unit 136 Transfer adjustment unit 137 Withdrawal unit

Claims (7)

A virtual account that is arbitrarily assigned to a service user who is a user of an electronic payment service from among multiple virtual accounts borrowed from partner financial institutions, and if there is a transfer to that virtual account , an information processing device that charges an amount of electronic money equivalent to the transfer amount as a money balance linked to a user account owned by the service user in the electronic payment service,
a storage unit that associates and stores identification information for identifying the service user and information of an account number indicating the virtual account;
When a transfer error of the transfer payment to the virtual account is received from the financial institution, the information stored in the storage unit is referred to, and the transfer error is identified from the account number of the virtual account corresponding to the transfer error. Identifying the service user who is the service user who is linked to the corresponding virtual account and who receives a transfer payment to the virtual account, and notifying the identified service user of information regarding the transfer error. An information processing apparatus comprising a transfer adjustment unit. The transfer adjustment unit
Notifying the service user of information about the transfer error on the condition that the transfer error is caused by the fact that the transfer amount to the virtual account exceeds the transfer upper limit amount. The information processing device according to claim 1 . A virtual account that is arbitrarily assigned to a service user who is a user of an electronic payment service from among multiple virtual accounts borrowed from partner financial institutions, and if there is a transfer to that virtual account , an information processing device that charges an amount of electronic money equivalent to the transfer amount as a money balance linked to a user account owned by the service user in the electronic payment service,
A transfer coordinating unit that, when receiving a transfer error in the transfer to the virtual account from the financial institution, notifies the service user associated with the virtual account corresponding to the transfer error of information about the transfer error.
has
The transfer adjustment unit
Notifying the service user of information about the transfer error on the condition that the transfer error is caused by the transfer amount to the virtual account exceeding the transfer upper limit,
An information processing device, wherein the financial institution is notified of the maximum transfer amount corresponding to the virtual account. The transfer adjustment unit
4. The information processing apparatus according to claim 3, wherein said financial institution is notified of said maximum transfer amount for each said service user. The transfer adjustment unit
Notifying the financial institution as the transfer limit amount of the chargeable amount, which is the difference between the current money balance associated with the user account and the upper limit of the money balance preset for the user account. The information processing apparatus according to claim 3, wherein: A virtual account that is arbitrarily assigned to a service user who is a user of an electronic payment service from among multiple virtual accounts borrowed from partner financial institutions, and if there is a transfer to that virtual account , an information processing method executed by a computer that charges an amount of electronic money equivalent to the transfer amount as a money balance linked to a user account owned by the service user in the electronic payment service,
a storage unit that associates and stores identification information for identifying the service user and information of an account number indicating the virtual account when receiving an error in transferring money to the virtual account from the financial institution; By referring to, from the account number of the virtual account corresponding to the transfer error, the service user who is associated with the virtual account corresponding to the transfer error and who receives the transfer payment to the virtual account and a transfer adjusting step of notifying the identified service user of information about the transfer error. A virtual account that is arbitrarily assigned to a service user who is a user of an electronic payment service from among multiple virtual accounts borrowed from partner financial institutions, and if there is a transfer to that virtual account , a computer that charges an amount of electronic money equivalent to the transfer amount as a money balance linked to the user account owned by the service user in the electronic payment service;
a storage unit that associates and stores identification information for identifying the service user and information of an account number indicating the virtual account when receiving an error in transferring money to the virtual account from the financial institution; By referring to, from the account number of the virtual account corresponding to the transfer error, the service user who is associated with the virtual account corresponding to the transfer error and who receives the transfer payment to the virtual account and executing a transfer adjustment procedure for notifying the identified service user of information about the transfer error.

Images