JP7331158B2 - Management device, management method and management program - Google Patents

Description

The present invention relates to a management device, management method and management program.

2. Description of the Related Art Conventionally, electronic payment services are known that make payments using digital money such as electronic money and virtual currency. For example, as one type of electronic payment service, there is known a method of payment by displaying or reading a two-dimensional code or the like using a terminal device carried by the user (for example, smartphone payment).

In such electronic payment services, in recent years, "digital payment of salary" has been proposed, which accepts payment of salary in digital money.

Japanese Patent No. 6513861

The above prior art has room for further improvement in terms of promoting the use of electronic payment services that support digital payment of salaries.

The present application has been made in view of the above, and aims to provide a management device, a management method, and a management program that can promote the use of electronic payment services that support digital payment of salaries.

A management device according to the present application includes an acquisition unit, a deposit reception unit, and a sorting processing unit. The acquisition unit acquires user information about a user who uses a predetermined payment method. The deposit acceptance unit accepts deposit of digital money into a settlement account owned by a user to which digital money as salary and digital money other than salary are deposited. The sorting processing unit sorts a portion of the digital money received by the deposit receiving unit based on the user information acquired by the acquiring unit.

According to one aspect of the embodiment, there is an effect that it is possible to promote the use of an electronic payment service that supports digital payment of salaries.

FIG. 1 is a diagram illustrating an example of management processing according to the first embodiment. FIG. 2 is a diagram showing an example of electronic payment processing according to the first embodiment. FIG. 3 is a diagram showing a configuration example of a payment server according to the first embodiment. FIG. 4 is a diagram showing an example of an account database according to the first embodiment. FIG. 5 is a diagram showing an example of a deposit request according to the first embodiment. FIG. 6 is a diagram showing an example of a withdrawal request according to the first embodiment. FIG. 7 is a diagram illustrating an example of a screen of a user terminal according to the first embodiment; FIG. 8 is a flow chart showing an example of a deposit processing procedure in the management processing according to the first embodiment. FIG. 9 is a flow chart showing an example of the procedure of withdrawal processing in the management processing according to the first embodiment. FIG. 10 is a diagram illustrating an example of management processing according to the second embodiment. FIG. 11 is a diagram showing a configuration example of a payment server according to the second embodiment. FIG. 12 is a diagram showing an example of an account database according to the second embodiment. FIG. 13 is a diagram illustrating an example of a history database according to the second embodiment; FIG. 14 is a diagram showing an example of a registration information database according to the second embodiment. FIG. 15 is a diagram showing an example of a billing information database according to the second embodiment. FIG. 16 is a diagram illustrating an example of a screen of a user terminal according to the second embodiment; FIG. 17 is a flow chart showing an example of a procedure of sorting information registration processing in the management processing according to the second embodiment. FIG. 18 is a flow chart showing an example of a fund transfer process procedure in the management process according to the second embodiment. FIG. 19 is a flow chart showing an example of the procedure of settlement processing in the management processing according to the second embodiment. FIG. 20 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

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

[1. First Embodiment]
[1-1. Management processing]
A management process realized by the management apparatus and the like of the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of management processing according to the first embodiment. In FIG. 1, it is assumed that the settlement server 10, which is an example of the management apparatus according to the first embodiment, realizes the management processing and the like according to the embodiment.

As shown in FIG. 1, the management system 1 according to the first embodiment includes a settlement server 10, a user terminal 100, a payment source server 400, a bank server 600, and an ATM (Automatic Teller Machine) 800. .

The settlement server 10, the user terminal 100, the payment source server 400 and the bank server 600 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 3, for example). Network N is, for example, a WAN (Wide Area Network) such as the Internet. The management system 1 shown in FIG. 1 includes a plurality of settlement servers 10, a plurality of user terminals 100, a plurality of payment source servers 400, a plurality of bank servers 600, and a plurality of ATMs 800. may be

The settlement server 10 is an information processing device that executes management processing according to the first embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment by displaying or reading a predetermined code using the user terminal 100 . For example, the settlement server 10 manages settlement accounts for digital money owned by the provider of the transaction object or the user to whom the transaction object is provided, and according to the settlement information from the user, the digital money is transferred between the settlement accounts. Realize various settlements by moving. Digital money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen or dollar. good. The contents of processing of the electronic payment service performed via the payment server 10 will be described later.

A user terminal 100 is an information processing device used by a user. The user terminal 100 is implemented 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. FIG. 1 shows an example in which the user terminal 100 is a smart phone.

The payment source server 400 is an information processing device used by a business operator who pays salaries to users, and is implemented by a server device, a cloud system, or the like. For example, the payment source server 400 is a server device belonging to a company that employs the user (hereinafter referred to as "payment source"). It should be noted that the payment source is not limited to companies (companies, corporations, etc.), and may be local governments such as the national government, prefectures, and municipalities.

The user terminal 100 and the payment source server 400 display the information delivered by the settlement server 10 using a web browser or application.

In addition, when the user terminal 100 and the payment source server 400 receive control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 and the payment source server 400 implement 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 written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

The bank server 600 is an information processing device belonging to a bank that manages bank accounts of users, and is realized by a server device, a cloud system, or the like. For example, the bank server 600 stores, as bank account usage histories, information on debits from bank accounts by credit card companies and various service providers (amount debited, date and time of debit, etc.), current account information ( account balance, etc.) are associated with the user and managed.

Also, the bank server 600 is connected to the ATM 800 via a network such as the Internet so as to be able to communicate with each other by wire or wirelessly. The ATM 800 dispenses cash according to user's operation.

The payer, who is the user's employer, pays the user a salary on a regular basis (for example, once a month). The management system 1 according to the first embodiment supports so-called "digital salary payment" in which salary is paid with digital money.

First, the settlement server 10 receives a deposit request from the payment source server 400 (step S1). The deposit request includes identification information (payee identification information, hereinafter referred to as "payee ID") of the user (payee) who receives the deposit of digital money, the deposit amount, and the name of the deposit. FIG. 1 shows, as an example of a deposit request, a deposit request including a payee ID "U1", a deposit amount "300,000 yen", and a nominal "salary".

Note that the payee ID "U1" is the identification information of the user U1 (user identification information, hereinafter referred to as "user ID"). The user ID may be any information as long as it can identify the user U1, and may be numbers, alphabets, symbols, etc., or a combination thereof, or may be, for example, a telephone number, an e-mail address, or the like. And it may be a combination of an e-mail address or the like and a name. The name may be written in kanji, hiragana, katakana, or alphabet. Further, the deposit request may include identification information (payment source identification information, hereinafter referred to as “payment source ID”) for identifying the payment source.

Subsequently, the settlement server 10 determines whether or not the name included in the deposit request is a salary. Then, if the name included in the deposit request is salary, the settlement server 10 performs deposit processing on the salary balance out of the total balance linked to the user ID included in the deposit request.

For example, the settlement server 10 stores account information that associates the "owner ID" item, the "total balance" item, and the "details" item. The “owner ID” item stores identification information (owner identification information, hereinafter referred to as “owner ID”) that identifies an owner who owns a digital money account (settlement account). Here, an example is shown in which the user ID "U1" that identifies the user U1 is stored in the "owner ID" item. , a payment source ID, identification information (provider identification information, hereinafter referred to as "provider ID") for identifying a provider who provides a transaction object, and the like may be stored. The "total balance" item stores information indicating the total balance of digital money owned by the owner identified by the owner ID.

The "breakdown" item stores information indicating the breakdown of the total balance stored in the "total balance" item. Specifically, the "breakdown" item includes a "salary" item and a "non-salary" item. The "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The "non-salary" item stores information indicating the balance of digital money deposited under the name other than salary among the total balance stored in the "total balance" item.

For example, in FIG. 1, as an example of account information, user ID "U1", total balance "1,000,000 yen", salary "700,000 yen", non-salary "300,000 yen" are included. Shows account information. In this case, when receiving the deposit request shown in FIG. ,000 yen”. The settlement server 10 also changes the "salary" item associated with the user ID "U1" from "700,000 yen" to "1,000,000 yen" (step S2). Note that the items "other than salary" are not changed.

On the other hand, when the settlement server 10 receives a deposit request containing a name other than salary, it changes the "total balance" item and the "other than salary" item in the corresponding account information. In this case, the "salary" item is not changed. Note that the "other than salary" item may be subdivided into a plurality of items. That is, there may be multiple names other than salary, and in this case, the "other than salary" item may be subdivided corresponding to the multiple names.

As described above, the management system 1 according to the first embodiment manages at least the salary balance separately from the total digital money balance. Thereby, for example, the settlement server 10 converts the balance information indicating the total balance (for example, the total balance "1,300,000 yen") into the salary balance information indicating the salary balance (for example, the total balance "1,000,000 yen"). Yen”) and non-salary balance information indicating the non-salary balance (for example, total balance “300,000 yen”) can be displayed on the user terminal 100 of user U1 (step S3).

Therefore, according to the management system 1 according to the first embodiment, it is possible to appropriately manage the balance including the salary when the salary is paid digitally.

By the way, in the case of digital payment of salaries, user convenience can be ensured by making it possible to convert digital money paid as salaries into cash. Specifically, it is necessary to make it possible to withdraw digital money paid as salary from an ATM. Therefore, the management system 1 according to the first embodiment is configured so that digital money paid as salary can be withdrawn from the ATM 800 .

For example, ATM 800 transmits a withdrawal request including the user ID and withdrawal amount to bank server 600 according to the operation by user U1 (step S4). The operation of the ATM 800 by the user U1 may be, for example, an input operation to the touch panel or physical buttons of the ATM 800, or the QR code (registered trademark) displayed by the user terminal 100 may be read by the ATM 800. It can be an operation. Information input to the ATM 800 may include at least the user ID and the withdrawal amount.

Subsequently, the bank server 600 transmits the withdrawal request received from the ATM 800 to the settlement server 10 (step S5).

Subsequently, based on the withdrawal request received from the bank server 600, the settlement server 10 changes the "salary" item in the corresponding balance information. For example, it is assumed that the withdrawal request includes the user ID "U1" and the withdrawal amount "100,000 yen". In this case, the settlement server 10 changes the "total balance" item linked to the user ID "U1" from "1,300,000 yen" to "1,200,000 yen", The item is changed from "1,000,000 yen" to "900,000 yen" (step S6).

Subsequently, the settlement server 10 transmits a withdrawal instruction including the user ID and the withdrawal amount to the bank server 600 (step S7). Upon receiving the withdrawal instruction, the bank server 600 withdraws the withdrawal amount included in the withdrawal instruction from the bank account of the business operator to which the payment server 10 belongs, that is, the company that provides the electronic payment service (step S8). Note that this process may be performed at the timing when a withdrawal instruction is received from the settlement server 10, or may be performed at a predetermined timing, such as once a month.

Also, the bank server 600 transmits a withdrawal instruction including the withdrawal amount to the ATM 800 (step S9). Then, the ATM 800 dispenses the same amount of cash as the withdrawal amount included in the withdrawal instruction (step S10).

As described above, in the management system 1 according to the first embodiment, the user U1 can withdraw from the ATM 800 as cash the amount of digital money equivalent to the salary balance of the total digital money balance owned by the user U1.

It should be noted that the mechanism regarding cashing described above targets digital money paid as salary, and may not target digital money paid in a name other than salary. If digital money paid in the name other than salary can be cashed, there is concern that it will become a hotbed for money laundering, for example. Therefore, the settlement server 10 may prohibit the withdrawal from the ATM 800 of balances other than salaries. However, if the non-salary balance is subdivided into a plurality of items, withdrawal from the ATM 800 may be permitted for any of the subdivided items.

[1-2. Payment using the user terminal 100]
Next, an example of payment (electronic payment) using the user terminal 100 will be described with reference to FIG. FIG. 2 is a diagram showing an example of electronic payment processing according to the first embodiment. In the management system 1, it is possible to use both the salary balance and the non-salary balance of the above-described digital money total balance for electronic settlement.

As shown in FIG. 2, the management system 1 may further include a provider terminal 200. FIG. The provider terminal 200 is an information processing device used by a provider who provides a transaction target to a user. The provider terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. The provider terminal 200 also displays information delivered by the payment server 10 using a web browser or an application. Note that FIG. 2 shows an example in which the provider terminal 200 is a POS terminal.

In the following description, a two-dimensional code (QR code (registered trademark)) placed in store A, which is a two-dimensional code indicating identification information (hereinafter referred to as "store code") C1 for identifying store A , an example in which the user U1 makes a payment using the user terminal 100 will be described, but the first embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Also, the store code C1 may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like (that is, a predetermined code).

For example, when user U1 makes a payment for using or purchasing a payment object (transaction object) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 captures and reads the store code C1 installed at the store A via the payment application (step S11). In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store A clerk. Then, the user terminal 100 receives the user ID that identifies the user U1, the store code C1 (or the information indicated by the store code C1, that is, the information indicating the store A (for example, the provider ID)), and the settlement information. payment information indicating the amount of money to be sent to the payment server 10;

When the settlement server 10 receives the settlement information from the user terminal 100 (step S12), the settlement amount is transferred from the settlement account of the user U1 indicated by the user ID to the settlement account of the store A indicated by the store code C1. The amount of digital money is transferred (step S13). Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 (step S14). In such a case, the user terminal 100 notifies that the payment has been made with digital money by outputting a screen or a predetermined voice indicating that the payment has been completed.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be performed using the provider terminal 200 installed at the store A. For example, the user terminal 100 displays a user ID for identifying user U1 on the screen. In such a case, the provider terminal 200 installed at the store A reads the user ID displayed on the user terminal 100, and displays the user ID, the settlement amount, and the information identifying the store A. Send the information to the payment server 10 . In such a case, the settlement server 10 transfers the amount of digital money indicated by the settlement amount from the settlement account of the user U1 indicated by the user ID to the settlement account of the store A, and Alternatively, the completion of payment may be notified to the user terminal 100 by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, the settlement using the user terminal 100 includes not only the process of transferring digital money from the settlement account charged with digital money in advance by the user U1 to the settlement account of the store A, but also, for example, Payment may be made using a credit card. In such a case, for example, the user terminal 100 transfers the digital money of the settlement amount to the settlement account of the store A, and transfers the settlement amount to the operating company (card company) of the credit card of the user U1. may be charged.

Moreover, the settlement using the user terminal 100 is not limited to the actual store, and may be, for example, the settlement for the transaction target in the electronic commerce service (that is, the online settlement). In such a case, for example, the user terminal 100 transmits to the payment server 10 payment information indicating the user ID that identifies the user U1, the provider ID, and the price (settlement amount) of the transaction object. . Then, the settlement server 10 transfers the amount of digital money indicated by the settlement amount from the settlement account of the user U1 indicated by the user ID to the settlement account of the provider indicated by the provider ID, and transfers the digital money to the user terminal 100. On the other hand, by outputting a screen or a predetermined voice to the effect that the payment has been completed, it is notified that the payment has been made.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 3 is a diagram showing a configuration example of the settlement server 10 according to the first embodiment. As shown in FIG. 3, the settlement server 10 has a communication section 20, a storage section 30, and a control section 40.

(Regarding communication unit 20)
The communication unit 20 is implemented by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the provider terminal 200, the payment source server 400, the bank server 600, and the like.

(Regarding storage unit 30)
The storage unit 30 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. 4 , storage unit 30 has account database 31 .

(Regarding account database 31)
The account database 31 stores various types of information (an example of the balance information described above) related to accounts (settlement accounts) owned by users, salary payers, providers, etc. in the electronic settlement service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to the first embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner ID", "total balance", and "details".

The “account ID” item stores identification information (account identification information, hereinafter referred to as “account ID”) for identifying a settlement account. The “owner ID” item stores identification information for identifying the owner who owns the settlement account linked to the account ID. For example, in the example shown in FIG. 4, the "owner ID" item includes the user ID "U1" of the user U1, the payer ID "E1" of the payer who pays the salary, and the provider who provides the transaction object. Provider ID "P1" and the like are stored.

Information indicating the total balance of the settlement account is stored in the "total balance" item. Information indicating the breakdown of the total balance is stored in the "breakdown" item. Specifically, the "breakdown" items include "salary" items and "non-salary" items, and the "non-salary" items are subdivided into, for example, "normal" items and "profit" items. ing.

The "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The "non-salary" item stores information indicating the balance of digital money deposited under the name other than salary among the total balance stored in the "total balance" item.

In addition, among the items "other than salary", the "normal" item stores information indicating the balance of the digital money that the owner of the settlement account has charged himself. As an example, the "normal" item stores information indicating the balance of digital money deposited from a credit card or bank account linked to the settlement account. The "profit" item stores, for example, information indicating the balance of digital money cashed back for the payment amount when using the electronic payment service provided by the management system 1 .

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the first embodiment includes a reception unit 41, a deposit processing unit 42, a withdrawal processing unit 43, and a display control unit 44, as shown in FIG. Realize or perform the function or action of a process.

(Regarding the reception unit 41)
The accepting unit 41 accepts a deposit request for digital money. Here, an example of information included in the deposit request will be described with reference to FIG. FIG. 5 is a diagram showing an example of a deposit request according to the first embodiment.

As shown in FIG. 5, the deposit request includes, for example, information such as "payment source ID", "payee ID", "payment amount", and "nominal". The “payment source ID” is identification information of the payment source that has transmitted the deposit request, and the “payment destination ID” is identification information of the payment destination. Also, the "deposit amount" is information indicating the amount of digital money to be deposited, and the "nominal amount" is information indicating the nominal amount of the deposit. The deposit request shown in FIG. 5 is a payment of "300,000 yen" as a salary from the employer of user U1 identified by the payee ID "E1" to the user U1 identified by the payee ID "U1". It indicates that

The accepting unit 41 also accepts a request for withdrawal of digital money to the ATM 800 . Here, an example of information included in the withdrawal request will be described with reference to FIG. FIG. 6 is a diagram showing an example of a withdrawal request according to the first embodiment.

As shown in FIG. 6, the withdrawal request includes, for example, information such as "bank ID", "withdrawal source ID", "withdrawal amount", and "withdrawal destination". The "bank ID" is identification information of the bank that sent the withdrawal request, and the "withdrawal source ID" is identification information of the user who makes the withdrawal. Further, the "withdrawal amount" is information indicating the amount withdrawn, and the "withdrawal destination" is information indicating the destination of payment (where to withdraw the money). The withdrawal request shown in FIG. 6 is sent from the bank with the bank ID "B1", and the user with the withdrawal source ID "U1" (that is, the user U1) withdraws 100,000 yen from the ATM. Shows to do money.

The reception unit 41 may receive payment information regarding payment for a transaction target in an electronic commerce service. For example, the reception unit 41 sends payment information indicating a user ID that identifies a user, a provider ID that identifies a provider who provides a transaction object, and a price (settlement amount) of the transaction object to the user terminal 100. accept from

The reception unit 41 may also receive payment information from the provider terminal 200 installed in the store. For example, the reception unit 41 receives payment information indicating the user ID read by the provider terminal 200 and displayed on the user terminal 100, the payment amount, and information identifying the store. .

The accepting unit 41 may also accept a request for confirmation of the total balance of digital money from the user terminal 100 . In this case, the confirmation request should include at least the user ID.

(Regarding the deposit processing unit 42)
The deposit processing unit 42 performs deposit processing for the account database 31 based on the deposit request accepted by the accepting unit 41 .

Specifically, the deposit processing unit 42 transfers from the settlement account linked with the payer ID included in the deposit request to the settlement account linked with the payee ID included in the deposit request. Transfer digital money equivalent to the amount deposited. That is, the deposit processing unit 42 subtracts the deposit amount from the total balance of the settlement account linked to the payment source ID and adds the deposit amount to the total balance of the settlement account linked to the payee ID.

In addition, the deposit processing unit 42 determines whether or not the name included in the deposit request is "salary". Then, if the name included in the payment request is "salary", the payment processing unit 42 adds the payment amount to the "salary" item in the total balance of the settlement account linked to the payment destination ID. .

On the other hand, if the name included in the payment request is "other than salary", the payment processing unit 42 sets the payment amount to the item "other than salary" in the total balance of the settlement account linked to the payment destination ID. to add. For example, if the name included in the deposit request is "normal", the deposit processing unit 42 adds the deposit amount to the "normal" item of the total balance of the settlement account linked to the payee ID. . Further, when the name included in the payment request is "profit", the payment processing unit 42 adds the payment amount to the "profit" item in the total balance of the settlement account linked to the payee ID. .

(Regarding the withdrawal processing unit 43)
The withdrawal processing unit 43 performs withdrawal processing for the account database 31 based on the withdrawal request accepted by the accepting unit 41 .

Specifically, the withdrawal processing unit 43 subtracts the digital money equivalent to the withdrawal amount included in the withdrawal request from the settlement account linked to the withdrawal source ID included in the withdrawal request. Then, the withdrawal processing unit 43 transmits a withdrawal instruction to the bank server 600 of the bank ID included in the withdrawal request via the communication unit 20 and the network N. The withdrawal instruction may include information such as the withdrawal source ID and the withdrawal amount.

In addition, the withdrawal processing unit 43 determines whether or not the withdrawal destination included in the withdrawal request is "ATM". Then, when the withdrawal destination included in the withdrawal request is "ATM", the withdrawal processing unit 43 calculates the withdrawal amount from the "salary" item in the total balance of the settlement account linked to the withdrawal source ID. Subtract

When the withdrawal destination included in the withdrawal request is other than "ATM", for example, when the withdrawal destination is "bank account", the withdrawal processing unit 43 The withdrawal amount may be subtracted from the item selected by the user from among the "salary" item and the "normal" item of the settlement account. The selection of the balance items (here, “salary” item and “normal” item) to be the withdrawal source may be performed by operating the ATM 600 . Alternatively, it may be set in advance by the user.

(Regarding the display control unit 44)
The display control unit 44 causes the user terminal 100 used by the user to display content related to the electronic payment service provided by the management system 1 .

For example, when the receiving unit 41 receives a request for confirmation of the total balance from the user terminal 100, the display control unit 44 displays the user terminal 100 of the user identified by the user ID included in the confirmation request. , and transmit balance information indicating the total balance of settlement accounts owned by the user. At this time, the display control unit 44, for example, acquires information on the "total balance" item, the "salary" item, and the "other than salary" item from the settlement account linked to the user ID, and displays the acquired information. It is displayed on the user terminal 100 via the payment application.

An example of balance information displayed on the user terminal 100 is shown in FIG. FIG. 7 is a diagram showing an example of the screen of the user terminal 100 according to the first embodiment. FIG. 7 shows balance information of a settlement account owned by user U1 as an example.

As shown in FIG. 7, the display control unit 44 selects "1,000,000 yen" as the "total balance" item and "700,000 yen" as the "salary" item from the settlement account linked to the user ID "U1". 000 yen” and “300,000 yen” as the item “other than salary” are acquired, and the acquired information is displayed on the user terminal 100 .

In this way, the display control unit 44 divides the total balance of digital money into the salary balance and the non-salary balance and displays them on the user terminal 100 used by the user.

[3. Management processing flow]
Next, a procedure of management processing of the settlement server 10 according to the first embodiment will be described. First, the deposit processing procedure will be described with reference to FIG. FIG. 8 is a flow chart showing an example of a deposit processing procedure in the management processing according to the first embodiment.

As shown in FIG. 8, the settlement server 10 receives a deposit request (step S101). Subsequently, the settlement server 10 determines whether or not the name of the deposit request is "salary" (step S102). If the name is determined to be "salary" (step S102; Yes), the settlement server 10 deposits the money into the salary balance (step S103). Specifically, the settlement server 10 transfers funds from the settlement account of the payment source to the salary balance of the payment destination.

On the other hand, if the name of the deposit request is not "salary", that is, if it is determined that it is "non-salary" (step S102; No), the settlement server 10 deposits money into the non-salary balance (step S104). . Specifically, the settlement server 10 transfers funds from the settlement account of the payment source to the non-salary balance of the payment destination. After completing the process of step S103 or step S104, the settlement server 10 ends the deposit process.

Next, the procedure of withdrawal processing will be described with reference to FIG. FIG. 9 is a flow chart showing an example of the procedure of withdrawal processing in the management processing according to the first embodiment.

As shown in FIG. 9, the settlement server 10 receives a withdrawal request (step S201). Subsequently, the settlement server 10 determines whether or not the withdrawal destination is an ATM (step S202). When it is determined that the withdrawal destination is an ATM (step S202; Yes), the settlement server 10 withdraws money from the salary balance (step S203).

On the other hand, if the withdrawal destination is not an ATM, that is, if it is determined that the withdrawal destination is a bank account (step S202; No), the settlement server 10 selects one of the salary balance and non-salary balance selected by the user. Withdrawal is performed from the balance item (step S204). After completing the process of step S203 or step S204, the settlement server 10 transmits a withdrawal instruction to the bank server 600 (step S205), and terminates the withdrawal process.

[4. Second Embodiment]
Next, management processing according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of management processing according to the second embodiment.

As shown in FIG. 10, when the settlement server 10 receives a salary deposit request from the payment source server 400 (step S21), the settlement server 10 deposits digital money as a salary into the settlement account of the user to whom the salary is to be paid. is deposited (step S22). As described above, the salary deposit request includes, for example, the identification information (payee ID) of the user (payee) who receives the salary deposit, the amount of deposit, and the name of the deposit. Further, as described above, when the name included in the deposit request is "salary", the settlement server 10 transfers the amount of digital money included in the deposit request to the settlement account linked to the payee ID. Deposit to Balance.

Subsequently, the settlement server 10 performs a sorting process of sorting a portion of the digital money deposited as a salary into the settlement account of the payee according to usage based on the user information of the user who is the payee (step S23). ).

For example, the user information may include setting information regarding salary sorting (hereinafter referred to as “sorting information”). The sorting information includes, for example, identification information for identifying the transaction object (transaction object identification information, hereinafter referred to as "transaction object ID"), identification information for identifying the provider who is the source of the transaction object (provider identification information, hereinafter referred to as "provider ID"), amount of transaction object, and the like.

In the example shown in FIG. 10, usage A is set to "10,000 yen", usage B to "5,000 yen", and usage C to "3,000 yen". In this case, when digital money as a salary is deposited in the user's settlement account, the settlement server 10 uses 10,000 yen of the digital money deposited as a salary for purpose A according to the sorting information. As digital money, 5,000 yen is sorted as digital money to be used for purpose B, and 3,000 yen is sorted as digital money to be used for purpose C. In this case, the payment server 10 limits the use of 18,000 yen worth of digital money deposited as a salary to uses A to C. FIG. In other words, the salary that the user can use for purposes other than the purposes A to C is the amount obtained by subtracting 18,000 yen from the total salary.

Thus, the settlement server 10 according to the second embodiment sorts the digital money deposited as salary based on the user information, thereby limiting the use of the digital money deposited as salary. As a result, the user can control the overspending of his/her salary by sorting out the expenses that always occur every month, such as utility expenses, communication expenses, school expenses, and the like.

In addition, when digital money is received as a salary, the settlement server 10 may automatically use the digital money sorted for each purpose for that purpose. For example, if purpose A is to deposit money into an operating account owned by a user, settlement server 10 may automatically transfer 10,000 yen of the digital money deposited as a salary to the operating account. . Further, for example, if the purpose B is the purchase of a product that the user regularly purchases (for example, monthly), the settlement server 10 transfers 5,000 yen of the digital money deposited as salary to the You may move to the settlement account of the provider who provides goods.

In this way, the settlement server 10 may store part of the digital money deposited as salary in a settlement account owned by the user as a sorting process for the digital money deposited as salary, or Part of the deposited digital money may be transferred to an account other than the settlement account owned by the user.

The settlement server 10 may generate the sorting information based on the user's input operation, or may generate the sorting information based on the payment history information included in the user information. For example, based on the withdrawal history information, the settlement server 10 estimates the transaction object that the user regularly purchases, the transaction object ID of the estimated transaction object, the provider ID of the provider who provides the transaction object, Sorting information may be generated that includes the amount of the transaction. At this time, the settlement server 10 may propose to the user whether or not to use the generated sorting information, and if the proposal is approved, the generated sorting information may be adopted.

[5. Configuration of payment server]
Next, the configuration of the settlement server according to the second embodiment will be described with reference to FIG. FIG. 11 is a diagram showing a configuration example of a payment server according to the second embodiment.

As shown in FIG. 11, the control unit 40 of the settlement server 10 according to the second embodiment includes an acquisition unit 45, a funds transfer unit 46, an estimation unit 47, a determination unit 48, a settlement processing unit 49, a proposal 50. In addition, the storage unit 30 of the settlement server 10 according to the second embodiment has a history database 32, a registration information database 33, and a billing information database 34.

(Regarding account database 31)
An example of information stored in the account database 31 according to the second embodiment will be described with reference to FIG. FIG. 12 is a diagram showing an example of an account database according to the second embodiment.

As shown in FIG. 12, the account database 31 according to the second embodiment includes items such as a "daily use" item, a "reserve #1" item, and a "reserve #2" item as "salary" items. . The "daily use" item stores the amount of digital money that is not limited in use, that is, the amount of digital money that can be used freely by the user, out of the digital money deposited as salary. The "reserve #1" item and the "reserve #2" item store the amount of digital money with limited uses among the digital money deposited as wages. These "reserve" items are linked with "sorting information" items in the registration information database 33, which will be described later, and when new reserve items are added to the "sorting information" items, An entry is also added to the account database 31 .

Note that, when a deposit request including "salary" as a nominal is received, the deposit processing unit 42 according to the second embodiment transfers the digital money of the "amount" included in the deposit request to the "salary" item of the settlement account. stored in the "usually used" item. A portion of the digital money stored in the "daily use" item is then transferred by the fund transfer unit 46, which will be described later, to an account other than the "reserve" item in the "salary" item and the payment account into which the salary was deposited. It will be done. This point will be described later.

(Regarding history database 32)
The history database 32 stores information (an example of payment history information) related to the history of transactions performed by the user in the past. An example of information stored in the history database 32 will now be described with reference to FIG. FIG. 13 is a diagram illustrating an example of a history database according to the second embodiment;

In the example shown in FIG. 13, the history database 32 has items such as "user ID", "date and time", "provider ID", "transaction object", and "amount".

The "user ID" field stores the user ID of the user who made the transaction. The "date and time" field stores the date and time when the transaction was made (settlement was made). The "provider ID" item stores the provider ID of the provider who provided the transaction object. The "transaction target" item stores information for specifying the transaction target (for example, product number, product name, etc.). The "money" item stores the amount of money paid by the user for the provision of the transaction object.

(Regarding registration information database 33)
The registration information database 33 stores registration information about users (an example of user information). Here, an example of information stored in the registration information database 33 will be described with reference to FIG. FIG. 14 is a diagram showing an example of a registration information database according to the second embodiment.

In the example shown in FIG. 14, the registration information database 33 has items such as "user ID", "name", "age", "sex", "family structure", "operation account ID", and "sorting information". .

A user ID is stored in the "user ID" item. The "name" item stores the name of the user identified by the user ID. It should be noted that the name stored in the "name" item is not limited to kanji, and may be indicated by hiragana, katakana, alphabet, and the like. The "age" item stores the age of the user identified by the user ID. The "gender" item stores the gender of the user identified by the user ID. The "family composition" item stores the family composition of the user identified by the user ID. For example, information such as relationship with the user, name, age, and sex are stored in the "family composition" item. The "operation account ID" item stores identification information (operation account identification information, hereinafter referred to as "operation account ID") for identifying an operation account owned by a user identified by a user ID.

The "sorting information" item stores the contents of the sorting information set for the user identified by the user ID. For example, the "sorting information" item includes items such as "sorting ID", "provider ID", "transaction target", and "set price".

The “sorting ID” item stores identification information for identifying sorting information. Here, two types of sorting IDs, "reserve ID" and "remittance ID", are stored. "Reserve ID" is identification information for identifying sorting information to be reserved in the user's settlement account, and "remittance ID" is identification information for identifying sorting information to be remitted to an account other than the user's settlement account. .

The "provider ID" item stores the provider ID of the provider who provides the transaction object used in the sorting information identified by the sorting ID. The "transaction target" item stores information (for example, product number, product name, etc.) for specifying the transaction target used in the sorting information identified by the sorting ID. The "set amount" item stores the set amount of digital money to be reserved in the settlement account or transferred to an account other than the settlement account in the sorting information identified by the sorting ID.

(Regarding billing information database 34)
Billing information database 34 stores billing information transmitted from, for example, provider terminal 200 or a provider server owned by the provider. An example of information stored in the billing information database 34 will now be described with reference to FIG. FIG. 15 is a diagram showing an example of a billing information database according to the second embodiment. In the example of FIG. 15, the billing information database 34 has items such as "billing information ID", "user ID", "provider ID", "payment term", "transaction object", and "amount".

The “billing information ID” item stores identification information for identifying billing information. The "provider ID" item stores a provider ID that identifies the provider who is the requester. The "user ID" item stores a user ID that identifies the user who is the billing destination. The "payment deadline" field stores the payment deadline for the billed amount. The "transaction object" item stores information indicating the transaction object to be billed. For ease of understanding, "electricity" and "water" are described here, but the "transaction object" item stores information that can specify the transaction object. The "amount" item stores the amount to be billed to the billing destination.

(Regarding the acquisition unit 45)
The acquisition unit 45 acquires user information about the user. For example, the acquisition unit 45 acquires various information stored in the account database 31, the history database 32, the registration information database 33, and the billing information database 34 as user information.

(Regarding fund transfer unit 46)
The fund transfer unit 46 transfers part of the digital money received as a salary out of the digital money received by the receiving unit 41 based on the user information acquired by the acquiring unit 45 .

According to the sorting information stored in the registration information database 33, the funds transfer unit 46 places part of the digital money deposited as salary in the "reserve" item in the settlement account into which the digital money as salary was deposited, or Move the digital money as salary to an account other than the settlement account into which it was deposited. Note that the sorting information to which the reserve ID is attached is acquired from the registration information database 33 by the acquisition unit 45 .

First, the case of moving digital money to the "reserve" item in the settlement account will be described.

As described above, digital money as salary is first deposited in the "daily use" item of the "salary" item in the settlement account. When the digital money is deposited in the "ordinary use" item, the funds transfer unit 46 transfers part of the digital money deposited in the "daily use" item to the "reserve" item according to the sorting information with the reserve ID. move to For example, in the registration information database 33 shown in FIG. 14, two pieces of sorting information, "reserve #1" and "reserve #2", are associated with the user with the user ID "U1". When user U1 with user ID "U1" receives digital money as a salary, the funds transfer unit 46 converts the "daily use" item of the settlement account linked to user ID "U1" to " Move the digital money to the "Hold #1" and "Hold #2" items.

At this time, the funds transfer unit 46 moves the amount stored in the "reserve" item of the settlement account to match the amount stored in the "set amount" item of the sorting information from the "ordinary use" item. Move the digital money to the "Reserve" item.

For example, it is assumed that "100 yen" is stored in the "reserve #1" item of the settlement account before payment of salary. In this case, the funds transfer unit 46 transfers "14,900 yen" from the "ordinary use" item of the settlement account to the "reserve #1" item so that the "reserve #1" item of the settlement account becomes "15,000 yen". move the circle.

The funds transfer unit 46 moves the amount of digital money stored in the "set amount" item of the sorting information from the "ordinary use" item to the "reserve" item regardless of the balance of the "reserve" item. You can let it run.

Here, as shown in FIG. 14, a plurality of provider IDs and a plurality of provision targets are associated with the sorting information of "reserve #1". As an example, the sorting information of "Reserve #1" is associated with "Electricity", "Water supply", etc. as objects to be provided. In this way, the sorting information for “reserve #1” may be sorting information for keeping expenses (fixed costs) that occur every month. The "set amount" item associated with the sorting information of "reserve #1" may store the amount input by the user, or the amount estimated by the estimation unit 47, which will be described later. may be Details of the estimation unit 47 will be described later. In this way, the fund transfer unit 46 may transfer a portion of the digital money received as salary to the "reserve" item based on the monthly expenditure amount estimated by the estimation unit 47.

In addition, the sorting information of "reserve #1" is not limited to utility charges as described above, but may include, for example, transaction items (for example, supplements, disposable contact lenses, etc.) purchased regularly (for example, monthly) by the user. ) may be linked. The "set amount" item linked to the sorting information of "reserve #1" may also store the amount input by the user, or store the amount estimated by the estimation unit 47, which will be described later. may be

Next, a case will be described in which part of the digital money deposited as salary is transferred to an account other than the settlement account into which the digital money as salary was deposited.

When the digital money as a salary is deposited in the "daily use" item, the funds transfer unit 46 transfers part of the digital money deposited in the "daily use" item to another account according to the sorting information with the remittance ID. move to For example, in the registration information database 33 shown in FIG. 14, two pieces of sorting information "remittance #1" and "remittance #2" are associated with the user with the user ID "U1". As an example, when digital money as a salary is deposited to user U1 with user ID "U1", the funds transfer unit 46 sets the settlement account linked to user ID "U1" to "ordinary use". From the item, transfer the set amount "3,000 yen" linked to "remittance #1" to the operation account identified by the provision target "operation #1" linked to "remittance #1" .

Here, the sorting information for "remittance #1" may be generated based on a proposal by the proposal unit 50, which will be described later. The contents of the proposal section 50 will be described later. In this way, the funds transfer unit 46 may automatically transfer the amount of digital money proposed by the proposal unit 50 out of the digital money deposited as salary to the operation account.

(Regarding the estimation unit 47)
The estimating unit 47 estimates transaction objects that the user regularly purchases and the amounts thereof, based on the withdrawal history information stored in the history database 32 among the user information acquired by the acquiring unit 45 .

As an example, the estimating unit 47 identifies a transaction target that the user has continuously purchased over a plurality of months based on the payment history information. For example, the estimation unit 47 refers to the history database 32 shown in FIG. It specifies that the "supplement" to be provided is purchased continuously for a plurality of months (for example, three months). In this case, the estimating unit 47 estimates that the “supplement” provided by the provider with the provider ID “P1” for the amount of “5,000 yen” is the transaction target that the user regularly purchases.

In addition, the estimation unit 47 may estimate the monthly expenditure amount of the user based on the payment history information stored in the history database 32 among the user information acquired by the acquisition unit 45. .

As an example, the estimation unit 47 refers to the history database 32, calculates the user's monthly expenditure for a plurality of months (for example, the most recent three months), and calculates the average amount (average expenditure) for the month. Estimated as the amount spent per unit.

At this time, the estimating unit 47 may limit the transaction target and calculate the average expenditure amount. For example, the estimating unit 47 may calculate the average amount of expenditure limited to utility charges such as water, gas, and electricity. Further, the estimation unit 47 may calculate the average amount of expenditure limited to fixed costs that must be paid every month, such as monthly fees for cram schools, rent, loans, etc., in addition to utility charges.

Also, the estimation unit 47 may estimate the amount of expenditure per month based on the bill information stored in the bill information database 34 .

For example, the estimation unit 47 refers to the billing information database 34 shown in FIG. Identify billing information. The bill information of “Billing #1” is sent to user U1 of user ID “U1” from the provider of provider ID “P4” by the payment deadline “2021/3/27” for “electricity , an amount of "8,000 yen" has been requested. In addition, the bill information of "billing #2" is sent to user U1 of user ID "U1" from the provider of provider ID "P5" by the payment deadline "2021/3/27". This indicates that payment of the amount "7,000 yen" is requested as the price for "water supply".

In this case, the estimation unit 47 may estimate the total amount of the electricity bill and the water bill, which is "15,000 yen", as the amount of user U1's expenditure in March.

Also, the estimation unit 47 may estimate the amount of digital money to be transferred to the operation account based on the amount of digital money deposited as salary and the user information.

For example, the estimating unit 47 determines the ratio of the amount of money to be deposited into the investment account to the amount of salary based on at least one of the user's age, sex and family composition stored in the registration information database 33 . For example, the settlement server 10 sends market information (for example, information such as "a single man in his 30s will put 3% of his salary into operation") in which a combination of age, gender, family composition, etc. is linked to the above ratio. It may be stored in advance, and in this case, the estimation unit 47 may determine the ratio based on the market price information.

Then, the estimation unit 47 estimates the amount of digital money to be transferred to the operation account using the salary amount and the ratio.

(Regarding the determination unit 48)
When payment information is received by the reception unit 41, the determination unit 48 determines whether or not the content of the payment matches the usage set in the “reserve” item in the payment account.

For example, if the payment information includes the user ID “U1”, the provider ID “P4”, and the object “electricity” to be provided, the determination unit 48 determines that the payment content is “reserve #1” as sorting information , that is, the provider ID and the provision target associated with "reserve #1".

In addition, when the payment information includes the user ID “U1”, the provider ID “P1”, and the provision target “supplement”, the determination unit 48 determines that the payment content is the sorting information of “reserve #2”. , that is, the provider ID and the provision target associated with "reserve #2".

(Regarding the payment processing unit 49)
The payment processing unit 49 executes payment processing according to the payment information received by the reception unit 41 . For example, the payment processing unit 49 transfers the amount of digital money indicated by the payment amount from the account of the user indicated by the user ID to the account of the provider indicated by the provider ID.

Here, if the determining unit 48 determines that the content of the payment information received by the receiving unit 41 matches the usage set in the "reserve" item of the settlement account, the settlement processing unit 49 determines that the usage matches. Settlement processing is performed using the balance of the "reserve" item.

For example, when the payment information received by the reception unit 41 includes the user ID “U1”, the provider ID “P1”, the object of provision “supplement”, and the amount “5,000 yen”, the payment processing unit 49 transfers "5,000 yen" from the balance "5,000 yen" of the "reserve #2" item to the payment account of the provider ID "P1".

In this way, the use of the digital money linked to the "reserve" item is limited to the purpose set in the "reserve" item. Therefore, the user can prevent wasteful spending of digital money by keeping digital money required every month in the "reserve" item in advance.

(Regarding the proposal section 50)
The proposing unit 50 generates sorting information based on the estimation result by the estimating unit 47, transmits the contents of the generated sorting information to the user terminal 100 via the communication unit 20 and the network N, and transmits the generated sorting information. Offer the user to set aside or send an automatic transfer of the salary spent.

Then, when receiving a notification to the effect that the proposal is approved from the user terminal 100 via the communication unit 20 and the network N, the proposal unit 50 sends the approved sorting information to the registration information database 33. Register at 33.

When the user operates the user terminal 100 and receives the sorting information created by the user himself/herself via the communication unit 20 and the network N, the proposal unit 50 registers the received sorting information in the registration information database 33. may

(Regarding the display control unit 44)
The display control unit 44 according to the second embodiment causes the user terminal 100 used by the user to display the total balance of digital money as a salary, that is, the salary balance, by dividing the balance into the reserve balance and the usual balance.

For example, when the accepting unit 41 accepts a salary balance confirmation request from the user terminal 100, the display control unit 44 displays the user terminal 100 of the user identified by the user ID included in the confirmation request. , sends the balance of salary in the payment account owned by the user, that is, the total amount of digital money linked to the "salary" item. At this time, the display control unit 44, for example, acquires each information of the "usual use" item and the "reserve" item from the settlement account linked to the user ID, and uses the acquired information via the settlement application. displayed on the user terminal 100.

An example of salary balance information displayed on the user terminal 100 is shown in FIG. FIG. 16 is a diagram showing an example of the screen of the user terminal 100 according to the second embodiment. FIG. 16 shows, as an example, salary balance information of a settlement account owned by user U1.

As shown in FIG. 16, the display control unit 44 selects "525,000 yen" as the "salary" item and "500,000 yen" as the "ordinary use" item from the settlement account linked to the user ID "U1". ” and “25,000 yen” as “reserve” items, and display the acquired information on the user terminal 100 .

In this way, the display control unit 44 may display the digital money salary balance on the user terminal 100 used by the user by dividing it into the balance for regular use and the balance for reserve.

[6. Management processing flow]
Next, a procedure of management processing of the settlement server 10 according to the second embodiment will be described. First, the sorting information registration process will be described with reference to FIG. FIG. 17 is a flow chart showing an example of a procedure of sorting information registration processing in the management processing according to the second embodiment.

As shown in FIG. 17, the settlement server 10 generates sorting information based on the estimation result by the estimation unit 47 (step S301). Subsequently, the settlement server 10 transmits the generated sorting information to the user terminal 100 and suggests the user to register the sorting information (step S302).

Subsequently, the settlement server 10 determines whether or not the proposal of step S302 has been approved (step S303). If it is determined that the proposal has been approved (step S303; Yes), the proposed sorting information is registered in the registration information database 33 (step S304).

When the process of step S304 is finished, or when the proposal is not approved in step S303 (step S303, No), the settlement server 10 ends the sorting information registration process.

Next, fund transfer processing will be described with reference to FIG. FIG. 18 is a flow chart showing an example of a fund transfer process procedure in the management process according to the second embodiment.

As shown in FIG. 18, the settlement server 10 deposits digital money as a salary into the account database 31's usual balance (“ordinary use” item) (step S401). Subsequently, the settlement server 10 determines whether or not sorting information associated with the "reserve ID" ("reserve" sorting information) is registered in the registration information database 33 (step S402). If it is determined that the "reserve" sorting information is registered (step S402; Yes), the settlement server 10 moves the digital money from the usual balance to the reserve balance according to the "reserve" sorting information (step S403).

When the process of step S403 is finished, or when the "reserve" sorting information is not registered in step S402 (step S403; No), the settlement server 10 sends the sorting information linked with the "remittance ID" (" Remittance sorting information) is registered in the registration information database 33 (step S404). If it is determined that the "remittance" sorting information is registered (step S404; Yes), the settlement server 10 moves the digital money from the usual balance to another account according to the "remittance" sorting information (step S405).

When the process of step S405 is finished, or when the "remittance" sorting information is not registered in step S404 (step S404; No), the settlement server 10 ends the funds transfer process.

Next, settlement processing will be described with reference to FIG. FIG. 19 is a flow chart showing an example of the procedure of settlement processing in the management processing according to the second embodiment.

As shown in FIG. 19, the payment server 10 acquires payment information (step S501). Subsequently, the payment server 10 determines whether or not the content of the acquired payment information matches the usage set for the reserve balance (step S502). If it is determined that the usage set in the reserve balance matches (step S502; Yes), the settlement server 10 performs settlement processing using the reserve balance (step S503).

On the other hand, in step S502, if the usage set in the reserve balance does not match (step S502; No), the settlement server 10 performs settlement processing using the usual balance (step S504). After finishing the process of step S503 or step S504, the payment server 10 ends the payment process.

[7. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

In the above-described embodiment, an example of transferring part of the digital money deposited as salary has been described. You can For example, in the account database 31 shown in FIG. 12, the "non-salary" item may include items such as the "daily use" item and the "reserve" item. In this case, when a deposit request containing a name other than salary is accepted, the digital money of the "amount" included in the deposit request is stored in the "ordinary use" item among the "other than salary" items of the settlement account. A portion of the digital money stored in the "daily use" item is then transferred by the fund transfer unit 46, which will be described later, to an account other than the "reserve" item in the "salary" item and the payment account into which the salary was deposited. It will be done. In this way, the funds transfer process may be executed for digital money other than salary.

The deposit request sent from the payment source server 400 to the settlement server 10 may include information on "payment date". "Payment date" is information specifying the date on which the deposit process is executed. In this case, the settlement server 10 executes the deposit processing on the payment date specified by the "payment date" included in the deposit request. In other words, the settlement server 10 suspends the deposit processing until the payment date specified by "payment date". Thus, the management system 1 may be configured such that it is possible to schedule digital payments of salaries.

It should be noted that the information of the "payment date" should include at least the information of the month of the month and day. For example, if the "payment date" information includes "April", the settlement server 10 may perform the deposit process on a predetermined day in April (for example, April 25).

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

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

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

[8. effect〕
As described above, the settlement server 10 according to the embodiment is a management device that manages the balance of digital money used for electronic settlement by reading a predetermined code, and includes the reception unit 41 and the deposit processing unit 42. have. The accepting unit 41 accepts a deposit request including the identification information of the user who receives the deposit of digital money and the name of the deposit. When the name included in the payment request received by the reception unit 41 is salary, the payment processing unit 42 performs payment processing for the salary balance out of the total balance linked to the identification information included in the payment request. If the name included in the payment request received by the reception unit 41 is a name other than salary, the payment processing is performed for the balance other than salary out of the total balance linked to the identification information included in the payment request. .

As a result, the settlement server 10 according to the embodiment can manage the digital money balance owned by the user by dividing it into the salary balance and the non-salary balance. Therefore, according to the settlement server 10 according to the embodiment, it is possible to appropriately manage the balance including the salary when the salary is digitally paid.

In addition, in the settlement server 10 according to the embodiment, the accepting unit 41 accepts a withdrawal request to the ATM containing the identification information of the user. Further, when the receiving unit 41 receives a withdrawal request, the settlement server 10 according to the embodiment performs withdrawal processing from the salary balance out of the total balance linked to the identification information included in the withdrawal request. It has a withdrawal processing unit 43 to perform.

As a result, users can withdraw directly from an ATM without going through a bank account (i.e., without first transferring digital money to a bank account) when cashing their salary received in digital money. .

The settlement server 10 according to the embodiment also has a display control unit 44 that divides the total balance into a salary balance and a non-salary balance and displays them on the user terminal 100 used by the user.

As a result, the user can easily check the balance of the salary deposited in his own settlement account. In addition, the user can easily grasp the balance of digital money that can be cashed at the ATM among the total balance of digital money owned by the user.

The settlement server 10 according to the embodiment also has an acquisition unit 45 , a reception unit 41 , and a funds transfer unit 46 . The acquisition unit 45 acquires user information regarding a user who uses a predetermined payment method. The accepting unit 41 accepts deposit of digital money to the user. The fund transfer unit 46 transfers part of the digital money received as a salary out of the digital money received by the receiving unit 41 based on the user information acquired by the acquiring unit 45 .

As a result, users can set aside some of the digital money deposited as salary, for example, for utility bills that are required every month, or automatically transfer it to an account other than a settlement account such as an operation account. You can Therefore, according to the settlement server 10 according to the embodiment, it is possible to promote the use of electronic settlement services that support digital payment of salaries.

Also, in the settlement server 10 according to the embodiment, the fund transfer unit 46 transfers part of the digital money deposited as salary to an account other than the settlement account into which the digital money as salary was deposited. As a result, the user can transfer part of the deposited salary to a predetermined account without operating the terminal, for example. Therefore, according to the settlement server 10 according to the embodiment, it is possible to promote the use of electronic settlement services that support digital payment of salaries.

In addition, in the settlement server 10 according to the embodiment, accounts other than the settlement account are operating accounts. The settlement server 10 according to the embodiment further has an estimating unit 47 that estimates the amount of digital money to be transferred to the operation account based on the amount of digital money deposited as a salary and the user information. The funds transfer unit 46 transfers the amount of digital money estimated by the estimation unit 47 out of the digital money deposited as salary to the operation account.

As a result, the user can transfer part of the deposited salary to the operating account without operating the terminal, for example. In addition, since the amount of digital money to be transferred to the investment account is estimated by the estimation unit 47, the user does not have to worry about how much of the salary should be invested. Therefore, according to the settlement server 10 according to the embodiment, it is possible to promote the use of electronic settlement services that support digital payment of salaries.

Also, in the settlement server 10 according to the embodiment, the funds transfer unit 46 transfers a part of the digital money deposited as salary to the reserve balance of the settlement account into which the digital money as salary was deposited.

As a result, the user can keep the digital money that is required every month in the settlement account, and thus can suppress wasteful spending of the digital money.

The payment server 10 according to the embodiment also has a determination unit 48 and a payment processing unit 49 . The determination unit 48 determines whether or not the content of the payment matches the usage set for the reserve balance when payment information regarding payment using a predetermined payment method is acquired. The settlement processing unit 49 performs settlement processing using the reserve balance when the determining unit 48 determines that the content of the settlement matches the usage.

As a result, it is possible to limit the use of the digital money deposited in the reserve balance. In other words, it is possible to prevent the digital money deposited in the reserve balance from being used for purposes other than its intended purpose.

In addition, the settlement server 10 according to the embodiment includes an estimation unit that estimates the amount spent per month based on the withdrawal history information of the settlement account owned by the user, among the user information acquired by the acquisition unit 45. 47. The fund transfer unit 46 transfers part of the digital money received as salary to the reserve balance based on the amount of expenditure estimated by the estimation unit 47 .

In this way, by setting aside the amount of expenditure per month estimated by the estimation unit 47 in the reserve balance, it is possible to prevent the user from overspending digital money.

The settlement server 10 according to the embodiment also includes an estimation unit 47 for estimating the amount of expenditure per month based on the invoice information indicating the content of the bill to the user, among the user information acquired by the acquisition unit 45. have The fund transfer unit 46 transfers part of the digital money received as salary to the reserve balance based on the amount of expenditure estimated by the estimation unit 47 .

In this way, by setting aside the amount of expenditure per month estimated by the estimation unit 47 in the reserve balance, it is possible to prevent the user from overspending digital money. In addition, by estimating the amount of expenditure based on the bill information, the amount of expenditure per month can be estimated more accurately.

In addition, the settlement server 10 according to the embodiment has a display control unit 44 that displays the total balance of digital money as salary on the user terminal 100 of the user by dividing it into the reserve balance and the balance other than the reserve balance. .

As a result, the user can easily grasp the balance of digital money whose usage is limited and the balance of digital money that can be freely used, among the balance of salaries deposited in the user's settlement account.

[9. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 20 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

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

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

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

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

For example, when computer 1000 functions as settlement server 10 , CPU 1100 of computer 1000 implements the functions of control unit 40 by executing a program loaded onto RAM 1200 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[10. 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 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

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

1 management system 10 settlement server 20 communication unit 30 storage unit 31 account database 32 history database 33 registration information database 34 billing information database 40 control unit 41 reception unit 42 deposit processing unit 43 withdrawal processing unit 44 display control unit 45 acquisition unit 46 funds Movement unit 47 Estimation unit 48 Judgment unit 49 Payment processing unit 50 Proposal unit 100 User terminal 200 Provider terminal 400 Payment source server 600 Bank server

Claims (9)

an acquisition unit that acquires user information about a user who uses a predetermined payment method;
A payment account owned by the user, which is digital money as a salary and the digital money other than the salary that is recharged by the user or the digital money as profit obtained through electronic commerce a deposit acceptance unit that accepts deposit of the digital money into the settlement account to which is deposited;
a sorting processing unit that transfers part of the digital money whose payment has been received by the payment receiving unit to a reserve balance of the settlement account based on the user information acquired by the acquisition unit ;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
The sorting processing unit moves, for each sorting item, an amount corresponding to the sorting item to the reserve item corresponding to the same use as the sorting item among the reserve balance, and stores the amount in the user information. When the sorting information is newly added, the reserve item corresponding to the use associated with the added sorting information is added to the reserve balance.
A management device characterized by: A computer-implemented management method comprising:
an acquisition step of acquiring user information about a user who uses a predetermined payment method;
A payment account owned by the user, which is digital money as a salary and the digital money other than the salary that is recharged by the user or the digital money as profit obtained through electronic commerce a deposit acceptance step of accepting deposit of the digital money into the settlement account to which is deposited;
a sorting step of transferring part of the digital money for which payment has been received by the payment receiving step to a reserve balance of the settlement account based on the user information obtained by the obtaining step ;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting step, for each sorting item, an amount corresponding to the sorting item is transferred from the reserve balance to the reserve item corresponding to the same usage as the sorting item, and the sorting is performed on the user information. When information is newly added, the reserve item corresponding to the use associated with the added sorting information is added to the reserve balance.
A management method characterized by an acquisition procedure for acquiring user information about a user who uses a predetermined payment method;
A payment account owned by the user, which is digital money as a salary and the digital money other than the salary that is recharged by the user or the digital money as profit obtained through electronic commerce a deposit acceptance procedure for accepting deposit of said digital money into said settlement account to which is deposited;
causing a computer to execute a sorting procedure for transferring part of said digital money whose deposit has been accepted by said deposit acceptance procedure to a reserve balance in said settlement account based on said user information acquired by said acquisition procedure. ,
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting procedure, for each sorting item, an amount corresponding to the sorting item is transferred to the reserve item corresponding to the same usage as the sorting item among the reserve balance, and the sorting is performed on the user information. When information is newly added, the reserve item corresponding to the usage associated with the added sorting information is added to the reserve balance.
A management program characterized by: an acquisition unit that acquires user information about a user who uses a predetermined payment method;
a deposit acceptance unit that accepts deposit of the digital money into the settlement account owned by the user and into which the digital money as salary and the digital money other than salary are deposited;
a sorting processing unit that transfers part of the digital money whose payment has been received by the payment receiving unit to a reserve balance of the settlement account based on the user information acquired by the acquisition unit;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
The sorting processing unit moves, for each sorting item, an amount corresponding to the sorting item to the reserve item corresponding to the same use as the sorting item among the reserve balance, and stores the amount in the user information. A management device, wherein when sorting information is newly added, the reserve item corresponding to the use associated with the added sorting information is added to the reserve balance. A computer-implemented management method comprising:
an acquisition step of acquiring user information about a user who uses a predetermined payment method;
a deposit acceptance step of accepting deposit of the digital money into the settlement account owned by the user and into which the digital money as salary and the digital money other than salary are deposited;
a sorting step of moving part of the digital money for which payment has been received by the payment receiving step to a reserve balance of the settlement account based on the user information obtained by the obtaining step;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting step, for each sorting item, an amount corresponding to the sorting item is transferred from the reserve balance to the reserve item corresponding to the same usage as the sorting item, and the sorting is performed on the user information. A management method, wherein when information is newly added, the reserve item corresponding to the usage associated with the added sorting information is added to the reserve balance. an acquisition procedure for acquiring user information about a user who uses a predetermined payment method;
a deposit acceptance procedure for accepting deposit of the digital money into the settlement account owned by the user, into which the digital money as salary and the digital money other than salary are deposited;
causing a computer to execute a sorting procedure for transferring part of said digital money whose deposit has been accepted by said deposit acceptance procedure to a reserve balance in said settlement account based on said user information acquired by said acquisition procedure. ,
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting procedure, for each sorting item, an amount corresponding to the sorting item is transferred to the reserve item corresponding to the same usage as the sorting item among the reserve balance, and the sorting is performed on the user information. A management program, characterized in that, when information is newly added, the reserve item corresponding to the usage associated with the added sorting information is added to the reserve balance. an acquisition unit that acquires user information about a user who uses a predetermined payment method;
a deposit acceptance unit that accepts deposit of the digital money into the settlement account owned by the user and into which the digital money is to be deposited;
a sorting processing unit that transfers part of the digital money whose payment has been received by the payment receiving unit to a reserve balance of the settlement account based on the user information acquired by the acquisition unit;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
The sorting processing unit moves, for each sorting item, an amount corresponding to the sorting item to the reserve item corresponding to the same use as the sorting item among the reserve balance, and stores the amount in the user information. A management device, wherein when sorting information is newly added, the reserve item corresponding to the use associated with the added sorting information is added to the reserve balance. A computer-implemented management method comprising:
an acquisition step of acquiring user information about a user who uses a predetermined payment method;
a deposit acceptance step of accepting deposit of the digital money into the settlement account owned by the user and into which the digital money is to be deposited;
a sorting step of transferring part of the digital money for which payment has been received by the payment receiving step to a reserve balance of the settlement account based on the user information obtained by the obtaining step;
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting step, for each sorting item, an amount corresponding to the sorting item is transferred from the reserve balance to the reserve item corresponding to the same usage as the sorting item, and the sorting is performed on the user information. A management method, wherein when information is newly added, the reserve item corresponding to the use associated with the added sorting information is added to the reserve balance. an acquisition procedure for acquiring user information about a user who uses a predetermined payment method;
a deposit acceptance procedure for accepting deposit of the digital money into the settlement account owned by the user and into which the digital money is to be deposited;
causing a computer to execute a sorting procedure for transferring part of said digital money whose deposit has been accepted by said deposit acceptance procedure to a reserve balance in said settlement account based on said user information acquired by said acquisition procedure. ,
The user information is
including sorting information about sorting the digital money;
The sorting information includes sorting items that associate uses and amounts,
Said reserve balance is
including a hold item corresponding to said use,
In the sorting procedure, for each sorting item, an amount corresponding to the sorting item is transferred to the reserve item corresponding to the same usage as the sorting item among the reserve balance, and the sorting is performed on the user information. A management program, characterized in that, when information is newly added, the reserve item corresponding to the usage associated with the added sorting information is added to the reserve balance.

Images