JP7440602B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] To improve the flexibility of payment using a terminal device. An information processing device according to the present application includes a storage section, a reception section, a transmission section, a registration section, and a payment processing section. The reception unit receives user information regarding a service user who is permitted to use a predetermined payment means to pay for a transaction based on the funds linked to the business account. The transmitting unit transmits authentication information for linking the business account and the user account held by the service user in the electronic payment service to the user terminal. The registration unit associates the information indicating the user account received from the user terminal with the business account and registers the information in the storage unit. When a predetermined payment method is selected in the transaction information, the payment processing unit processes the transaction for the payee account linked to the payee included in the transaction information, based on the funds managed in the payment account. Execute processing to transfer the amount equivalent to the payment amount included in the information. [Selection diagram] Figure 4

Description

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

2. Description of the Related Art Conventionally, techniques for flexibly performing payments have been known in order to improve convenience for users. For example, a technology for providing deferred payment services using credit has been provided (for example, see Patent Document 1).

Patent No. 6682688

However, with the above-mentioned conventional technology, it may be difficult to improve the flexibility of payment using a terminal device.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve the flexibility of payment using a terminal device.

The information processing device according to the present application includes a storage section, a reception section, a transmission section, a registration section, and a payment processing section. The storage unit stores information regarding accounts associated with each service user of the electronic payment service. The reception unit is configured to send information from a business terminal used by a business that owns a business account in the electronic payment service to a payment account that is linked to the business account and is stored in the storage unit. The system receives user information regarding a service user who is permitted to use a predetermined payment means to pay for a transaction based on the available funds. The transmitting unit transmits authentication information for linking the business account and the user account held by the service user in the electronic payment service to the user terminal used by the service user. The registration unit associates information indicating a user account received from a user terminal in response to a service user's operation with respect to authentication information and a business account and registers the information in the storage unit. When a predetermined payment method is selected in transaction information related to payment by a service user, the payment processing unit selects a payment destination linked to the payment destination included in the transaction information based on the funds managed in the payment account. A process is executed to transfer an amount corresponding to the payment amount included in the transaction information to a payee account that is an account and is stored in a storage unit.

According to one aspect of the embodiment, it is possible to improve the flexibility of payment using a terminal device.

FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of an overview (Part 2) of information processing according to the embodiment. FIG. 3 is a diagram illustrating an example of an overview (Part 3) of information processing according to the embodiment. FIG. 4 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 5 is a diagram illustrating an example of information stored in the balance information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of information regarding the second account stored in the credit limit information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of user information stored in the user information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of information related to account authentication stored in the account information storage unit according to the embodiment. FIG. 9 is a diagram illustrating an example of transaction information stored in the transaction information storage unit according to the embodiment. FIG. 10 is a flowchart illustrating an example of the processing procedure of the usage registration process executed by the payment server according to the embodiment. FIG. 11 is a flowchart illustrating an example of the processing procedure of the payment process (Part 1) executed by the payment server according to the embodiment. FIG. 12 is a flowchart illustrating an example of the processing procedure of the payment process (Part 2) executed by the payment server according to the embodiment. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
Information processing realized by the information processing apparatus and the like according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. Note that in FIG. 1, it is assumed that information processing and the like according to the embodiment are realized by a payment server 100, which is an example of an information processing apparatus according to the embodiment.

(1-1. Example of system configuration)
As shown in FIG. 1, the information processing system SYS-1 according to the embodiment includes a business terminal 10, a user terminal 20, a store terminal 30, and a payment server 100. The business terminal 10, the user terminal 20, the store terminal 30, and the payment server 100 are connected to be able to communicate with each other by wire or wirelessly via a network N (for example, see FIG. 4). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that even if the information processing system SYS-1 shown in FIG. 1 includes multiple business terminals 10, multiple user terminals 20, multiple store terminals 30, and multiple payment servers 100, good.

A payment server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides various services for providing service users with electronic payment services related to electronic payments using the user terminal 10 (services that provide a predetermined transaction means for controlling the exchange of electronic money through code payments). Executes information processing. Specifically, the payment server 100 manages the accounts of providers of transaction objects such as products and services, and users who receive transaction objects, and electronically exchanges information between accounts in accordance with transaction requests from users. Various payments are realized by transferring money. Note that electronic money may be, for example, points or currency used independently by various companies, or may be currency provided by a country such as Japanese yen or dollars that can be electronically transacted. good.

In addition, the payment server 100 allows businesses to use the platform in accordance with opening procedures for business accounts (an example of "business accounts") for businesses to use the platform, through an account opening screen that is an account opening interface Manage account information set by. For example, the payment server 100 manages the business ID set as identification information by the business through the account opening screen. Further, the payment server 100 manages information on a payment account in which funds used for payment by a business operator using an electronic payment service are managed in association with the business ID. The payment account manages information indicating the money balance, which is the balance of electronic money equivalent to the capital charged by the business, and information indicating the credit limit granted to the business by corporate credit. Ru.

In addition, the payment server 100 provides funds managed in a payment account linked to a business account owned by the business operator to employees employed by a business that has opened a business account, through an electronic payment service platform. , provides an environment for providing "company payment" (an example of "predetermined payment means") for employees to pay for transactions. Further, the payment server 100 provides the business operator with a business management screen, which is an interface for setting information regarding employees who are permitted to make "company payment." Further, the payment server 100 may provide the business operator with a business application program that includes a function for operating a business management screen.

The payment server 100 also provides an application program (hereinafter referred to as a "user application" as appropriate) with various functions for using the electronic payment service to service users such as individual users and businesses who use the electronic payment service. ) can be distributed. When the payment server 100 receives a transaction request from a user application via an interface dedicated to the user application, the payment server 100 executes information processing including electronic money transfer processing between accounts in accordance with the transaction request. The user application transmits transaction information including information such as a payment destination, a payment source, and a payment amount to the payment server 100. In addition to the above information, transaction information includes information such as transaction codes to identify individual transactions and date and time information (time stamps) to identify the date and time of transactions. It's okay.

The business terminal 10 shown in FIG. 1 is a business that operates a business that provides transactions such as products and services to individual users, and is used by a manager M who employs a plurality of employees E and manages a company X. It is an information processing terminal. The manager M, who is a business operator who uses the business terminal 10, holds a business account by concluding a business account use contract with a service business that provides electronic payment services. In addition to the business account usage contract, Administrator M has entered into a merchant contract with a service provider that provides electronic payment services to obtain permission to use the electronic payment service platform for payment processing. If a company has entered into a contract with a company, it can also become a member store. The business terminal 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the business terminal 10 displays information distributed by the payment server 100 using a web browser or an application. For example, the business terminal 10 displays a management screen provided by the payment server 100.

Note that when the business terminal 10 receives control information for implementing predetermined information processing from the payment server 100, it implements the information processing according to the control information. Here, the control information may be 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), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

The user terminal 20 shown in FIG. 1 is an information processing terminal used by an employee E employed by a company that manages company X. The user terminal 20 can transmit transaction information regarding a payment using an electronic payment service to the payment server 100. The user terminal 20 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 20 displays information distributed by the payment server 100 using a web browser or an application. In the example shown in FIG. 1, a smartphone is shown as the user terminal 20-1, and a notebook PC is shown as the user terminal 20-2.

Note that when the user terminal 20 receives control information for realizing predetermined information processing from the payment server 100, the user terminal 20 realizes the information processing according to the control information. Here, the control information may be 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), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

The store terminal 30-1 shown in FIG. 1 is an information processing terminal installed in the member store SH-1. Affiliate store SH-1 is operated and managed by a business operator that has concluded a merchant agreement with a service provider that provides electronic payment services to obtain permission to use the electronic payment service platform for payment processing. This is a store where In addition, if the business operator of Company X has concluded a member store contract with a service provider that provides electronic payment services, the business operator of Company Store terminal 30-1 can transmit transaction information regarding payments using electronic payment services to payment server 100. The store terminal 30-1 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the store terminal 30-1 displays information distributed by the payment server 100 using a web browser or an application.

Note that, when the store terminal 30-1 receives control information for implementing predetermined information processing from the payment server 100, it implements the information processing in accordance with the control information. Here, the control information may be 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), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

(1-2. Regarding payment using user terminal 20)
Here, an example of code payment (electronic payment) using the user terminal 20 will be described. In the following explanation, a two-dimensional code (QR code (registered trademark)) placed at store Z, which is a member store that can use the electronic payment service, is a two-dimensional code that indicates store identification information that identifies store Z. An example will be described in which a user (for example, employee E shown in FIG. 1) who receives a transaction object from store Z makes a payment using the user terminal 20. Note that the example of code payment described below is applicable even when any user uses any user terminal 20 to make payment at any store. Further, the two-dimensional code indicating store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc. Further, the two-dimensional code is not limited to the example of being physically configured by printed matter printed on a medium such as paper, but may be configured by image information displayed on an arbitrary terminal.

For example, when a user makes a payment for purchasing or using transaction objects such as various products and services at store Z, the user starts a user application installed in the user terminal 20 in advance. The user then photographs the two-dimensional code installed at store Z via the user application. In such a case, the user terminal 20 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user or the clerk at store Z. The user terminal 20 then receives user identification information for identifying the user, store identification information (or information indicated by the store identification information, that is, information indicating store Z (for example, store ID)), and the payment amount. The transaction information including the above is sent to the payment server 100. A payment performed by the user terminal 20 photographing a two-dimensional code installed at the store Z and uploading transaction information to the payment server 100 may be referred to as a "user scan payment."

Upon receiving transaction information from the user terminal 20, the payment server 100 transfers electronic money equivalent to the payment amount from the user's account indicated by the user identification information to the store Z account indicated by the store identification information. Migrate. At this time, the payment server 100 may deduct a predetermined fee to be charged to the store Z from the electronic money equivalent to the payment amount, and then transfer the electronic money to the store Z's account. The payment server 100 then sends a notification to the user terminal 20 that the transaction has been completed. In such a case, the user terminal 20 notifies the user that the electronic money transaction has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 withdraws electronic money equivalent to the payment amount from the user's account indicated by the user identification information, manages it as sales information of store Z, and withdraws the amount of electronic money equivalent to the sales at a predetermined timing. may be transferred to the bank account held by store Z. In this case, the payment server 100 may notify the user that the electronic money transaction has been completed at the timing when electronic money corresponding to the payment amount is withdrawn from the user's account.

Note that the payment using the user terminal 20 is not limited to the above-described processing. For example, the payment using the user terminal 20 may be made using a terminal device installed in the store Z (hereinafter referred to as the "store terminal 30"). Specifically, first, the user terminal 20 displays on the screen code information indicating user identification information for identifying the user. In such a case, the store terminal 30 reads the user identification information from the code information displayed on the user terminal 20, and stores the read user identification information (or the information indicated by the user identification information, i.e., the information indicating the user). transaction information including information indicating the transaction (for example, user ID), the payment amount, and information identifying the store Z is transmitted to the payment server 100. A payment performed by the store terminal 30 reading code information displayed on the user terminal 20 and uploading transaction information to the payment server 100 may be referred to as a "store scan payment."

Upon receiving the transaction information from the store terminal 30, the payment server 100 transfers electronic money corresponding to the payment amount from the user's account indicated by the user identification information to the store Z's account. The payment server 100 then sends a notification to the store terminal 30 or the user terminal 20 that the transaction has been completed. The store terminal 30 or the user terminal 20 notifies the user that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. In addition, the payment server 100 withdraws electronic money equivalent to the payment amount from the user's account indicated by the user identification information, manages it as sales information of store Z, and withdraws the amount of electronic money equivalent to the sales at a predetermined timing. may be transferred to the bank account held by store Z. In this case, the payment server 100 may notify the clerk or the user that the electronic money transaction has been completed at the timing when electronic money corresponding to the payment amount is withdrawn from the user's account.

In addition, the payment using the user terminal 20 is not only the process of transferring electronic money from the account to which the user has previously charged electronic money to the store Z account, but also, for example, the process of transferring electronic money from the account to which the user has previously charged the electronic money, but also, for example, It may be a payment made using In such a case, for example, the user terminal 20 transfers the amount of electronic money indicated by the payment amount to the store Z account, and also transfers the amount indicated by the payment amount to the user's credit card management company. You may request it.

In addition, settlement using the user terminal 20 is not only a process of transferring electronic money from a user's account to an account at store Z, but also a process of transferring electronic money from a user's account to another user's account, for example. It may also be a payment to be transferred (that is, a remittance between users). For example, the user terminal 20 used by the remittance source user stores user identification information that identifies the remittance destination user (e.g., user identification information displayed on the terminal device used by the remittance destination user). It reads and receives input of the remittance amount from the user, and transmits information indicating the read identification information, the remittance amount, and user identification information that identifies the user to the payment server 100. In such a case, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the user's account to the remittance destination user's account, and transfers the electronic money indicated by the remittance amount from the user's account to the remittance destination user's account. The fact that the remittance has been completed may be notified by causing the device to output a screen or a predetermined sound indicating that the remittance has been completed.

Note that remittance using the user terminal 20 is not limited to the above-described processing. For example, remittance using the user terminal 20 may be performed by inputting into the user terminal 20 the telephone number of the user to whom the remittance is made or information indicating the user to whom the remittance is made (e.g., user ID). . To give a specific example, the user terminal 20 receives the input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the user, and inputs the input telephone number or user ID and the remittance amount. The amount and user identification information for identifying the user are transmitted to the payment server 100. Then, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the user's account to the user's account linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user who is the remittance destination may be registered in advance in the user application in association with information regarding the user. In this case, the user terminal 20 receives from the user the designation of the user (remittance recipient) registered in the user application and the input of the remittance amount to the user, and the telephone number associated with the designated user. Alternatively, the user ID, the remittance amount, and user identification information for identifying the user are transmitted to the payment server 100.

Further, for example, remittance using the user terminal 20 may be performed by providing link information for receiving the remittance amount to the user of the remittance destination. To give a specific example, the user terminal 20 receives an input of the remittance amount from the user, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends the link information. By posting the posted information including the information on SNS (Social Networking Service), link information is provided to the terminal device used by the user of the remittance destination. Then, when the remittance destination user selects the link information and performs a receiving operation, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the user's account to the remittance destination user's account. let

Note that the payment means and payment services described above are not limited to those for providing consideration for purchasing products or providing services (settlement of debts). For example, as described above, the payment means or payment service may have a function related to remittance between accounts owned by multiple users. That is, the above-mentioned payment means and payment service may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the owner of electronic money, such as users and stores. In other words, the payment means and payment services according to the embodiments include various controls for realizing electronic money exchange (not only various inter-account remittance controls via electronic money, but also control regarding exchanges between electronic money accounts and bank accounts). Transaction methods and transaction services that carry out various types of debt processing such as control, processing related to splits and bonus payments, and various other controls related to the exchange of assets, including electronic money, may be provided in any format. Good too. Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

(1-3. Overview of embodiment)
(1-3-1. Overview of information processing (Part 1))
Hereinafter, an overview of information processing executed by the payment server 100 and the like in the information processing system SYS-1 will be explained with reference to the drawings. The outline of the information processing according to the embodiment described below is as one of the predetermined payment means for the administrator M to pay the price for the transaction object to the employee E through the platform of the electronic payment service. An example of information processing for granting an account to permit use of "company payment" is shown.

First, an overview (part 1) of information processing according to the embodiment will be described using FIG. 1. Figure 1 shows an overview of the ``balance usage type,'' which is one of the schemes for realizing ``company payment.'' The "balance usage type" realizes "company payment" using the money balance managed in the payment account linked to the business account opened by the manager M.

Note that in the following explanation, the operator terminal 10 may be equated with the administrator M. That is, hereinafter, the administrator M can also be read as the operator terminal 10. Furthermore, in the following explanation, the user terminal 20 may be equated with the employee E. That is, in the following, employee E can also be read as user terminal 20. In the following description, unless it is necessary to specifically explain the user terminal 20-1 and the user terminal 20-2 shown in FIG. 1 separately, they will be collectively referred to as the user terminal 20.

Manager M who belongs to company X shown in FIG. 1 first opens a business account to use "company payment" and charges the money balance (step S00). For example, the administrator M registers necessary information such as a user ID on a web page for opening a business account provided by the payment server 100, thereby completing the procedure for opening a business account. The user ID registered by the administrator M functions as a business ID (business identification information) for identifying the manager M (company X). Note that the payment server 100 may arbitrarily set a unique business ID for a person who wishes to open a business account. Further, for example, the administrator M transfers money from the bank account registered when opening the business account to a predetermined bank account owned by the payment server 100. When the payment server 100 confirms the arrival of the money (the arrival of the remittance) from the administrator M, the payment server 100 transfers the balance of electronic money to the payment account linked to the business account corresponding to the administrator M in an amount equivalent to the remittance amount. Reflects the money balance that is .

After opening a business account and charging the money balance, the administrator M operates the management screen displayed on the business terminal 10 to set user information regarding the user who is permitted to make "company payment". . For example, the manager M sets information such as an employee number, name, authentication email address, and maximum usage amount as user information. The authentication email address corresponds to the email address associated with employee E. Further, the maximum available amount corresponds to the maximum amount set as the amount that can be used to pay for a transaction using "company payment." In addition, as user information, administrator M can provide target category information indicating categories of transactions for which "company payment" can be used (for example, food, dining, transportation, etc.) and "company payment" can be used. Target location information indicating a specific location may also be set. For example, the target location information may include information specifying areas such as administrative districts and cities, wards, towns and villages, as well as information on specific member stores such as affiliated hotels. The payment server 100 can narrow down areas where "company payment" is available, specific member stores, etc. based on the target location information.

The business terminal 10 transmits the user information registered by the administrator M through the management screen to the payment server 100 in response to an operation by the administrator M (step S01).

When the payment server 100 receives the user information from the business terminal 10, the payment server 100 starts using company payment to link the business account opened by the administrator M with the user account owned by the employee E in the electronic payment service. A guidance email (an example of "authentication information") is sent to the user terminal 20 (step S02). Specifically, the payment server 100 sends an email containing a predetermined link for linking the business account and the user account to the user terminal 20, with the authentication email address included in the user information as the destination. . For example, the predetermined link corresponds to address information such as a URL (Uniform Resource Locator) for displaying a web page for user account registration on the user terminal 20. The payment server 100 generates unique address information for each business account as a predetermined link, and inserts it into the company payment usage start guidance email.

Employee E operates the user terminal 20 to perform account authentication from the link in the company-paid use start guidance email (hereinafter referred to as the "guidance email") (step S03). For example, upon receiving access from employee E to a predetermined link included in the guidance email, payment server 100 transmits information for displaying a web page for user account registration to user terminal 20. The user terminal 20 displays a web page for user account registration based on the information received from the payment server 100. Employee E performs account authentication by registering information indicating his or her user account on the web page displayed on the user terminal 20.

Note that the payment server 100 may send a guidance email containing a predetermined link with an expiration date set to the user terminal 20. As a result, at the timing when the payment server 100 receives access to the predetermined link included in the guidance email from employee E, if the expiration date set for the predetermined link has expired, the payment server Information for displaying the page is not sent to the user terminal 20.

When the user account is registered by the employee E through account authentication, the payment server 100 links the business account and the target user account (account linkage) (step S04-1). Specifically, the payment server 100 associates information indicating a business account corresponding to the web page on which employee E has registered a user account with information indicating a user account registered by employee E and stores the information in the storage unit. Store in.

Furthermore, after linking the business account and the target user account, the payment server 100 enables "company payment" in the target user account (step S04-2). Specifically, the payment server 100 stores information indicating that "company payment" is valid in association with the target user account in the storage unit. As a result, when the user who owns the target user account performs code payment using the user application, he or she can select "company payment" as the payment method for the payment amount. The payment server 100 notifies the employee E that the procedure for using "company payment" has been completed by transmitting a notification to the user terminal 20.

After completing the procedure for using "company payment," employee E can check the available quota for "company payment" on the user application (step S05). The available quota for "company payment" that employee E can confirm on the user application corresponds to the maximum available amount included in the user information registered by administrator M.

Furthermore, when making a payment using user scan, store scan, or online payment at member store SH-1 of the electronic payment service, employee E selects "company payment" as the payment method and makes the payment (step S06). ).

When the payment server 100 receives the transaction information from the user terminal 20 or the store terminal 30-1, it immediately subtracts the transaction information from the balance of the company's business account to complete the payment (step S07). Specifically, when "company payment" is selected in the transaction information, the payment server 100 identifies the business account associated with the user account that is the payment source. The payment server 100 then uses the money balance managed in the payment account linked to the specified business account to send the payment to the payee account linked to the member store SH-1 included in the transaction information as the payee. , executes processing to transfer an amount equivalent to the payment amount included in the transaction information. Further, in response to a request from the administrator M, the payment server 100 provides the administrator M with transaction information regarding the payment using "company payment" by transmitting it to the business terminal 10.

When the business terminal 10 receives transaction information regarding payment using "company payment" from the payment server 100, it displays the received transaction information on the management screen. The manager M can check the transaction details in real time by viewing the transaction information displayed on the management screen (step S08).

In addition, the administrator M operates the management screen to download a transaction file of transaction information regarding payment using "company payment" from the payment server 100, and uploads the downloaded transaction file to the accounting management system. Import processing can be executed as accounting management source data (step S09).

In addition, in the above-mentioned information processing overview (part 1), for example, when an employee E who has been authorized to use "company payment" resigns, the administrator M requests the payment server 100 to update the usage registration of the employee E. Request cancellation. When the business terminal 10 receives an operation from the administrator M to cancel the registration for use of "company payment" for employee E through the management screen, the business terminal 10 instructs the payment server 100 to cancel the "company payment" usage registration for employee E. Submit your request. When the payment server 100 receives a request to cancel "company payment" for the employee E from the business terminal 10, the payment server 100 deactivates the user information corresponding to the employee E and releases the association with the business account. .

In addition, in the above-mentioned information processing overview (Part 1), by operating the management screen, administrator M can reduce the maximum amount available for employee E who is found to have inappropriately used "company payment". , the use of "company payment" may be temporarily prohibited.

(1-3-2. Overview of information processing (Part 2))
Hereinafter, an overview (part 2) of the information processing according to the embodiment will be described using FIG. 2. Figure 2 shows an overview of the ``credit usage type,'' which is one of the schemes for realizing ``company payment.'' The "credit usage type" realizes "company payment" using the credit limit managed in the payment account linked to the business account opened by the manager M. The outline of the information processing according to the embodiment described below (part 1) differs from the outline of the information processing according to the embodiment described above (part 1) in that the processing is based on a credit limit linked to a business account. .

Manager M belonging to company X shown in FIG. 2 first opens a business account to use "company payment" and receives a credit limit through company credit (step S20). For example, the administrator M registers necessary information such as a user ID on a web page for opening a business account provided by the payment server 100, thereby completing the procedure for opening a business account. The user ID registered by the administrator M functions as a business ID (business identification information) for identifying the manager M (company X). Note that the payment server 100 may individually allocate an arbitrary business ID that can be changed after the fact to a person who wishes to open a business account. Further, for example, after opening a business account, the manager M applies for a credit limit to a service provider that provides electronic payment services. When the service provider receives an application for a credit limit from manager M, the service provider performs a credit screening on company X to which manager M belongs, notifies manager M of the results of the credit screening, and Grant a credit limit according to the amount.

After opening a business account and charging the money balance, the administrator M operates the management screen displayed on the business terminal 10 to set user information regarding the user who is permitted to make "company payment". . For example, the manager M sets information such as an employee number, name, authentication email address, and maximum usage amount as user information. The authentication email address corresponds to the email address associated with employee E. Further, the maximum available amount corresponds to the maximum amount set as the amount that can be used to pay for a transaction using "company payment." In addition, as user information, administrator M can provide target category information indicating categories of transactions for which "company payment" can be used (for example, food, dining, transportation, etc.) and "company payment" can be used. Target location information (for example, a convenience store, hotel, station), etc. indicating a specific location may be set.

The business terminal 10 transmits the user information registered by the administrator M through the management screen to the payment server 100 in response to an operation by the administrator M (step S21).

Upon receiving the user information from the business terminal 10, the payment server 100 registers the received user information in the storage unit. Further, the payment server 100 sends a company payment usage start guide email for linking the business account opened by the administrator M with the user account owned by the employee E in the electronic payment service (step S22). Specifically, the payment server 100 sends an email containing a predetermined link for linking the business account and the user account to the user terminal 20, with the authentication email address included in the user information as the destination. . For example, the predetermined link corresponds to address information such as a URL (Uniform Resource Locator) for displaying a web page for user account registration on the user terminal 20. The payment server 100 generates unique address information for each business account as a predetermined link, and inserts it into the company payment usage start guidance email.

Employee E operates the user terminal 20 to perform account authentication from the link in the company-paid usage start guidance email (hereinafter referred to as the "guidance email") (step S23). For example, upon receiving access from employee E to a predetermined link included in the guidance email, payment server 100 transmits information for displaying a web page for user account registration to user terminal 20. The user terminal 20 displays a web page for user account registration based on the information received from the payment server 100. Employee E performs account authentication by registering information indicating his or her user account on the web page displayed on the user terminal 20.

Note that the payment server 100 may send a guidance email containing a predetermined link with an expiration date set to the user terminal 20. As a result, at the timing when the payment server 100 receives access to the predetermined link included in the guidance email from employee E, if the expiration date set for the predetermined link has expired, the payment server Information for displaying the page is not sent to the user terminal 20.

When employee E registers a user account through account authentication, payment server 100 links the business account with the target user account (step S24-1). Specifically, the payment server 100 associates information indicating a business account corresponding to the web page on which employee E has registered a user account with information indicating a user account registered by employee E and stores the information in the storage unit. Store in.

Further, after linking the business account and the target user account, the payment server 100 enables "company payment" in the target user account (step S24-2). Specifically, the payment server 100 stores information indicating that "company payment" is valid in association with the target user account in the storage unit. As a result, when the user who owns the target user account performs code payment using the user application, he or she can select "company payment" as the payment method for the payment amount. The payment server 100 notifies the employee E that the procedure for using "company payment" has been completed by transmitting a notification to the user terminal 20.

After completing the procedure for using "company payment," employee E can check the available quota for "company payment" on the user application (step S25). The available limit for “company payment” that employee E can check on the user application corresponds to the maximum available amount included in the user information registered by administrator M.

Furthermore, when making a payment using user scan, store scan, or online payment at member store SH-1 of the electronic payment service, employee E selects "company payment" as the payment method and makes the payment (step S26). ).

When "company payment" is selected in the transaction information, when the payment server 100 receives transaction information from the user terminal 20 or the store terminal 30-1, the payment server 100 receives the transaction information from the money balance of the advance account held by the service provider. , Execute the advance processing to transfer the amount equivalent to the payment amount included in the transaction information to the payment destination account linked to the member store SH-1 included in the transaction information as the payment destination, and Payment to store SH-1 is completed (step S27-1). Further, the payment server 100 identifies the business account associated with the user account that is the payment source included in the transaction information. The payment server 100 updates the usage amount in the credit limit managed by the payment account linked to the specified business account (step S27-2). Specifically, the payment server 100 adds an amount corresponding to the payment amount included in the transaction information to the amount used in the credit limit linked to the business account.

When the business terminal 10 receives transaction information regarding payment using "company payment" from the payment server 100, it displays the received transaction information on the management screen. The manager M can check the transaction details in real time by viewing the transaction information displayed on the management screen (step S28).

In addition, the administrator M operates the management screen to download a transaction file of transaction information regarding payment using "company payment" from the payment server 100, and uploads the downloaded transaction file to the accounting management system. Import processing can be executed as accounting management source data (step S29).

In addition, when administrator M concludes the business account usage contract, he completes the settlement by paying the usage amount "paid by the company" at a later date based on the predetermined date agreed with the service provider ( Step S30). For example, administrator M sends a payment summarizing the usage amount of "company payment" from partner bank B-1 to the designated account of bank B-2 that the service provider designates as the transfer destination of the usage fee. remit the amount.

In addition, in the information processing overview (part 2) mentioned above, for example, regarding the information processing when employee E who has been allowed to use "company payment" resigns, please refer to the information processing overview (part 1) shown in Figure 1. Same as in case.

(1-3-3. Overview of information processing (Part 3))
Hereinafter, an overview (part 3) of the information processing according to the embodiment will be described using FIG. 3. Figure 3 shows an overview of the ``credit usage + physical certificate issuance type,'' which is one of the schemes for realizing ``company payment.''"Credit usage + physical card issuance type" uses the credit limit managed in the payment account linked to the business account opened by manager M, and the physical card distributed by manager M to employee E. “Company payment” will be realized.

Note that in the outline (part 3) of the information processing shown in FIG. 3, the processes from step S30 to step S40 are the same as those from step S20 to step S30 shown in FIG. Below, the processing of steps S41 to S47 will be explained.

The information processing system SYS-2 shown in FIG. 3 uses a card company terminal 200 installed at a card company Y with which a service provider is affiliated, and receives permission from the service provider for payment processing using an electronic payment service platform. The store has a store terminal 30-2 installed at a non-member store SH-2 that has not been purchased.

Manager M requests card company Y to issue a physical card for use by employee E (step S41). In addition, when administrator M requests card company Y to issue a physical card, administrator M sets the credit limit granted by the electronic payment service provider through corporate credit as the maximum amount that can be used for the physical card. You may request that. In this case, the business terminal 10 transmits a card issuance request to the card company terminal 200 together with information regarding the business account held by the manager M and information indicating the maximum amount of money available.

The card company terminal 200 receives a card issuance request transmitted from the business terminal 10. When card company Y confirms the card issuance request requested by administrator M, it prints and issues the number of physical cards according to the request from administrator M (step S42-1). For example, card company Y can issue one physical card to each employee E in response to a request from manager M. Card company Y links the information (for example, card number, etc.) of the issued physical card to manager M's business account and records it, for example, on a system prepared in advance for managing card information. In addition, when card company Y issues a physical card to each employee E, card company Y links the physical card information to administrator M (business account) and each employee E (user account) and stores the information on the physical card on the system. May be recorded. As a result, on the system managed by the card company Y, card usage details regarding the use of the physical card are individually recorded and managed for each employee E employed by the manager M (business operator). In other words, when card company Y makes a request to manager M (business operator) regarding the use of a physical card, it is not possible to manage which employee E actually used the request. Ru. Note that the manager M may freely allocate and manage the information of the physical card issued to each employee E from the card company Y to each employee E individually. Then, card company Y mails the issued physical card to administrator M. Note that the card company terminal 200 may send a message to the business terminal 10 to notify the shipping and expected arrival date of the physical card. Upon receiving the physical card issued by card company Y, company X issues the received physical card to the target employee E (step S42-2).

Employee E uses the physical card issued by his workplace (company Store terminal 30-2 installed at non-affiliated store SH-2 transmits card payment information to card company terminal 200. When the card company terminal 200 receives the card payment information from the store terminal 30-2, it identifies the business account associated with the physical card used for card payment, and sends the billing information for the identified business account to the payment server 100. Send to.

When the payment server 100 receives billing information from the card company terminal 200, it executes payment processing based on the billing information. For example, the payment server 100 performs a payment processing process that transfers the amount corresponding to the payment amount (billed amount) included in the billing information from the money balance of the payment account to the account held by card company Y in the electronic payment service. is executed to complete the payment to card company Y (step S44-1). Further, the payment server 100 updates the amount used in the credit limit managed by the payment account linked to the business account included in the billing information (step S44-2). Specifically, the payment server 100 adds an amount corresponding to the payment amount included in the billing information to the amount used in the credit limit linked to the target business account. Note that, when a physical card is issued for each employee E, the payment server 100 may set an available credit limit that can be used by the employee for each physical card. In this case, the payment server 100 sets each physical card so that the total available credit limit set for each physical card does not exceed the credit limit linked to the business account (company X's credit limit). The available credit limit may be controlled.

When the business terminal 10 receives transaction information regarding payment using a physical card for using "company payment" from the payment server 100, it displays the received transaction information on the management screen. The manager M can check the transaction details in real time by viewing the transaction information displayed on the management screen (step S45). Note that when displaying the transaction details, the business terminal 10 may also display the information (user account) of the employee E linked to the physical card used for "company payment".

In addition, the administrator M operates the management screen to download a transaction file from the payment server 100 with transaction information regarding payment using a physical card for using "company payment", and uses the downloaded transaction file for accounting management. By uploading the data to the system, import processing can be executed as accounting management source data (step S46).

In addition, when administrator M concludes the business account usage contract, he will pay the usage amount of the physical card for using "company payment" at a later date based on the predetermined date agreed with the service provider. This completes the payment (step S47). For example, the administrator M sends the payment amount, which is the sum of the usage amount of the physical card, from the affiliated bank B-1 to the designated account of the bank B-2 that the service provider designates as the transfer destination of the usage fee. remit payment.

[2. Payment server configuration]
Next, the configuration of the payment server 100 will be described using FIG. 4. FIG. 4 shows a configuration example of the payment server 100 according to the embodiment. As shown in FIG. 4, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information with the business terminal 10, the user terminal 20, the store terminal 30, the card company terminal 200, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element 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, the storage unit 120 includes a balance information storage unit 121, a credit limit information storage unit 122, a user information storage unit 123, an account information storage unit 124, and a transaction information storage unit 125. .

(About balance information storage unit 121)
The balance information storage unit 121 stores information regarding a first account that manages the money balance associated with each service user in the electronic payment service. For example, the first account manages a money balance, which is a balance of electronic money based on funds charged by a business operator, as one of the money balances linked to each service user.

FIG. 5 shows an example of information stored in the balance information storage unit 121 according to the embodiment. As shown in FIG. 5, the information related to the first account stored in the balance information storage unit 121 includes an "account ID" item, an "owner information" item, and a "money balance" item. There is. These items included in the information regarding the first account are correlated with each other.

The "account ID" item stores information indicating an account ID, which is identification information for specifying the first account owned by each service user. The "owner information" item stores information for identifying the owner of the first account, such as an individual user or a business operator. For example, in the "owner information" item, identification information for identifying each owner of the first account, such as a user ID used by each owner in the electronic payment service, is stored. Information indicating the money balance of the first account is stored in the "money balance" item.

For example, according to FIG. 5, the owner of the first account identified by account ID: "AC#K1-1" is a business entity identified by "business operator #001", and the money balance is "1, 234,567 yen.''

(Regarding the credit limit information storage unit 122)
The credit limit information storage unit 122 stores information regarding a second account that manages information indicating a credit limit granted to a business operator through corporate credit and information indicating an amount used using the credit limit. FIG. 6 shows an example of information regarding the second account stored in the credit limit information storage unit 122 according to the embodiment. As shown in FIG. 6, the information regarding the second account stored in the credit limit information storage unit 122 includes an "account ID" item, an "owner information" item, and a "usage amount | credit limit" item. It has items. These items included in the information regarding the second account are correlated with each other.

The "account ID" item stores information indicating an account ID, which is identification information for specifying a second account owned by each business operator. Identification information for identifying the business operator that owns the second account is stored in the "owner information" item. For example, in the "owner information" item, identification information for identifying each owner of the second account, such as a business ID used by each owner in the electronic payment service, is stored. The item ``Usage amount | Credit limit'' includes information indicating the credit limit granted to the business, and the amount used by the business (or an employee who is authorized by the business to be paid by the business) under the credit limit. Information indicating the information is stored. Further, the usage amount stored in the item "usage amount | credit limit" is a cumulative value (cumulative usage amount) that is updated (added) every time a payment is made.

For example, according to FIG. 6, the owner of the second account specified by account ID: “AC#K1-2” is a business entity specified by “Business Operator #001”, and the It is shown that the credit limit is "10,000,000 yen" and the usage amount under the credit limit is "7,894,321 yen."

(About the user information storage unit 123)
The user information storage unit 123 stores user information regarding users who are permitted to use "company payment". FIG. 7 shows an example of user information stored in the user information storage unit 123 according to the embodiment. As shown in FIG. 7, the user information stored in the user information storage unit 123 includes items such as "Business ID", "Employee Number", "Name", and "Authentication Email". It has multiple items such as ``Address'', ``Maximum Usable Amount'', and ``Available Industry''. These items included in the user information are associated with each other.

The "Business ID" item stores information indicating a business ID that is set as identification information when a business account is opened by the business. The "employee number" item stores information indicating an employee number uniquely assigned to an employee who is permitted to receive "company payment." In the "Name" item, information indicating the name of the employee who is permitted to pay "company payment" is stored. The item "Authentication email address" stores information indicating the email address to which the guidance email used when authenticating a "company payment" account is to be sent. In the item "Maximum Usable Amount", the upper limit for usage by "company payment" is stored. The item "Available business type" stores information indicating the business type of the store, company, etc. that is the provider of the transaction object for which "company payment" can be used. Note that the user information may include an item storing information indicating a category of transaction object for which "company payment" can be used instead of the "available industry type" item. Further, the user information may include an item for storing available locations (target location information) indicating locations where "company payment" is available. For example, the target location information may include information specifying areas such as administrative districts and cities, wards, towns and villages, as well as information on specific member stores such as affiliated hotels. The payment server 100 can narrow down areas where "company payment" is available, specific member stores, etc. based on the target location information.

According to Figure 7, the authentication email corresponds to "Tokyo Taro (employee number: employee #001-1)", who is one of the employees employed by the business operator identified by business ID: "business #001". It is shown that the address is "taro***@example.com", the maximum amount available is "50,000 yen", and the available industry is "transportation and food and beverage".

(About account information storage unit 124)
The account information storage unit 124 stores information regarding account authentication for "company payment". FIG. 8 shows an example of information related to account authentication stored in the account information storage unit 124 according to the embodiment. As shown in FIG. 8, the information related to account authentication stored in the account information storage unit 124 includes multiple items such as "User ID", "Cooperative Business ID", and "Company Payment". It has items. These items included in the information regarding account authentication are correlated with each other.

The "user ID" item stores information indicating the user ID used by the individual user in the electronic payment service. For example, the user ID stored as a user account in the "User ID" item is received from the user terminal 20 through account authentication. Information indicating a business account linked to a user account is stored in the "cooperative business ID" item. In the "company payment" item, information indicating whether "company payment" is to be enabled as one of the payment means corresponding to the target user account is stored.

According to FIG. 8, the user account indicated by the user ID "User #001" and the business account "Business Operator #001" opened by the affiliated business are linked, and the payment method corresponding to the target user account is linked. One of the options is that "company payment" is enabled.

(About transaction information storage unit 125)
The transaction information storage unit 125 stores transaction information performed using an electronic payment service. FIG. 9 shows an example of transaction information stored in the transaction information storage unit 125 according to the embodiment. As shown in FIG. 9, the transaction information stored in the transaction information storage unit 125 includes items such as "transaction number", "payment source", "payee", and "transaction date and time". It has multiple items such as ``payment amount'', ``transaction object'', and ``payment means''. These items included in the transaction information are associated with each other.

The "transaction number" item stores information indicating a number assigned to each transaction. The "Payment source" item stores information for identifying the payment source. The item "Payee" stores information for identifying the payee. The "transaction date and time" item stores information indicating the transaction date and time. Information indicating the payment amount is stored in the "Payment amount" item. The item “transaction object” stores information indicating the transaction object or the type of business of the transaction object. Information indicating the payment means is stored in the "payment means" item.

According to FIG. 9, the payment source is an individual user identified as "user #001," the payment destination is a member store identified as "member store #112," and the transaction date and time is "October 20, 2022." 09:00'', the payment amount is ``2,000 yen'', the business type of the transaction is ``taxi'', and the payment method is ``company payment''.

(About the control unit 130)
The control unit 130 is a controller, and for example, various programs stored in the storage device inside the payment server 100 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 130 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 130 according to the embodiment includes a reception unit 131, a transmission unit 132, a registration unit 133, a payment processing unit 134, and a provision unit 135. Realize or execute the information processing functions and actions described below.

(About reception department 131)
The reception unit 131 receives, through the communication unit 110, user information transmitted from a business terminal 10 used by a business that has a business account in an electronic payment service. For example, the receiving unit 131 receives user information registered by a business operator through a management screen provided by a providing unit 135, which will be described later. The user information received by the reception unit 131 is a payment account associated with a business account and is stored in the storage unit 120, and the payment for the transaction is made based on the funds managed in the payment account stored in the storage unit 120. This is information regarding service users who are permitted to use "company payment" as a predetermined payment method. A typical example of a user who is permitted to use "company payment" is a service user (individual user) of an electronic payment service who has a predetermined relationship such as an employment relationship with a business that holds a business account. Users are assumed.

(About the transmitter 132)
The transmitter 132 transmits authentication information for linking a business account and a user account held by the service user in the electronic payment service to the user terminal 20 used by the service user.

For example, the sending unit 132 authenticates an email that is addressed to the authentication email address included in the user information received by the reception unit 131 through the management screen and includes a predetermined link for linking the business account and the user account. This information can be sent to the user terminal 20 as business information. Further, for example, the transmitter 132 can transmit an e-mail including a predetermined link with an expiration date set to the user terminal 20.

Further, the transmitting unit 132 transmits a request for issuance of a physical card linked to a business account to a card company terminal 200 installed at an affiliated card company in response to a request from a business that owns a business account. do. Further, the transmitting unit 132 can transmit a request for issuance of a physical card whose maximum available amount is the credit limit granted to the business by corporate credit.

(About the registration section 133)
The registration unit 133 associates the information indicating the user account received from the user terminal 20 in response to the user's operation on the authentication information with the business account and registers the information in the storage unit 120. Furthermore, the registration unit 133 enables "company payment" for the target user account.

Further, if the request from a business that owns a business account includes a user account of an employee E employed by the business, the transmitting unit 132 can transmit a request for issuance of a physical card linked to the business account and the user account. .

(About payment processing unit 134)
If “company payment” is selected in the transaction information regarding payment by the service user, the payment processing unit 134 processes the payment linked to the payee included in the transaction information based on the funds managed in the payment account. A process is executed to transfer an amount corresponding to the payment amount included in the transaction information to the payee account that is the payee account and is stored in the storage unit 120.

For example, the payment processing unit 134 transfers an amount equivalent to the payment amount from the money balance managed in the first account to the payee account. Further, for example, in response to receiving the transaction information, the payment processing unit 134 executes a payment process to transfer an amount equivalent to the payment amount from the payment account stored in the storage unit 120 to the payee account. At the same time, the usage amount managed in the second account is updated.

In addition, when the payment processing unit 134 receives billing information regarding payment using a physical card from an affiliated card company (for example, card company Y shown in FIG. 3), the payment processing unit 134 Advance transfer of an amount equivalent to the payment amount included in the billing information from the funds managed in the account to the account held by the card company in the electronic payment service and stored in the storage unit 120. Execute processing. Further, the payment processing unit 134 updates the usage amount linked to the business account managed by the second account, which is the business operator's payment account, based on the payment amount for which the advance processing has been performed.

(About the provision section 135)
The providing unit 135 is a user interface that can be used with a business account, and provides a business management screen that allows various operations related to "company payment" to be executed.

Further, the providing unit 135 can provide the business operator with information regarding transaction details using "company payment" through the management screen. In addition, the providing unit 135 provides an available amount that indicates the amount that the service user can pay using "company payment" through the user application distributed to the service user in order to use the electronic payment service. Can provide information about frames.

Furthermore, in addition to the above-mentioned units, the control unit 130 may include a management unit that manages billing information for each physical card. When a business receives a physical card for each employee from a card company (when it requests a partner card company to issue a physical card linked to business accounts and user accounts), the management department Billing information obtained from card company Y is managed for each employee user account linked to a card. For example, the management unit extracts billing information for each user account included in the billing information, and manages the extracted billing information in association with each user account. Further, when the business receives a physical card issued for each employee from a card company, the management department may set an available credit limit that can be used by the employee for each physical card. In this case, the management department will ensure that the total available credit limit set for each physical card does not exceed the credit limit linked to the business account (for example, the credit limit held by the business). The available credit limit set on the card may be controlled. In addition, when providing information regarding the transaction details using "company payment" to the business operator, the above-mentioned providing unit 135 also collects the information (user account) of employee E linked to the physical card used for "company payment". It may be provided to the business operator by displaying the information together.

[3. Processing procedure example]
(3-1. Usage registration process)
An example of the processing procedure in the payment server 100 according to the embodiment will be described below. First, the processing procedure of the usage registration process executed by the payment server 100 will be explained. FIG. 10 is a flowchart illustrating an example of the processing procedure of the usage registration process executed by the payment server 100 according to the embodiment.

As shown in FIG. 10, the reception unit 131 receives a payment account that is associated with the business account and is stored in the storage unit 120, from the business terminal 20 used by the business that owns the business account. User information regarding a service user who is permitted to use "company payment" to pay for transactions based on funds managed by the company is received (step S101).

The sending unit 132 sends a company payment usage guidance email for linking a business account and a user account held by the service user in the electronic payment service to the authentication email address included in the user information. The information is transmitted to the user terminal 20 used by the user (step S102).

The registration unit 133 links the user account received from the user terminal 20 in response to the user's operation regarding the company payment usage guidance email and the business account (step S103). Specifically, the registration unit 133 links the information indicating the user account received from the user terminal 20 with the information indicating the business account that is the source of the user information, and stores the information in the storage unit 120 (account information storage unit). 124).

Further, the registration unit 133 enables the “company payment” of the target user account by storing information indicating that “company payment” is valid in the storage unit 120 in association with the target user account ( Step S104).

Then, the registration unit 133 sends a procedure completion email to the user terminal 20 using the authentication email address included in the user information as the destination, so that the registration unit 133 informs the user about the "company payment" usage procedure. 10 is completed (step S105), and the processing procedure shown in FIG. 10 is ended.

(3-2. Payment processing (Part 1))
The processing procedure of the payment process (part 1) executed by the payment server 100 will be described below. FIG. 11 shows an example of the processing procedure of the payment process (Part 1) executed by the payment server 100 according to the embodiment.

As shown in FIG. 11, the payment processing unit 134 acquires, through the communication unit 110, transaction information regarding the service user's payment transmitted from, for example, the user terminal 20 or the store terminal 30 (step S201).

The payment processing unit 134 also determines whether "company payment" is selected in the transaction information (step S202).

Further, if the payment processing unit 134 determines that "company payment" is selected in the transaction information (step S202; Yes), the cumulative usage amount linked to the user account of the payment source included in the transaction information is It is determined whether the amount is less than or equal to the maximum available amount (step S203).

Furthermore, if the payment processing unit 134 determines that the cumulative usage amount linked to the user account of the payment source is less than or equal to the maximum available amount (step S203; Yes), the payment processing unit 134 It is determined whether the industry corresponding to the above corresponds to the available industry.

Further, if the payment processing unit 134 determines that the industry corresponding to the provider of the transaction target included in the transaction information is an available industry (step S204; Yes), the payment processing unit 134 performs immediate payment by "company payment". (Step S205), and the processing procedure shown in FIG. 11 is ended.

On the other hand, if the payment processing unit 134 determines that the industry corresponding to the provider of the transaction target included in the transaction information is not a usable industry (step S204; No), the payment processing unit 134 informs that "company payment" cannot be used. , the transaction information transmission source is notified (step S205), and the processing procedure shown in FIG. 11 is ended.

In step S203 described above, if the payment processing unit 134 determines that the cumulative usage amount linked to the user account of the payment source exceeds the maximum available amount (step S203; No), the payment processing unit 134 performs the processing procedure of step S205 described above. Move to.

In step S202 described above, if the payment processing unit 134 determines that "company payment" is not selected in the transaction information (step S202; No), it performs immediate payment using a payment method other than "company payment". (Step S206), and the processing procedure shown in FIG. 11 is ended.

(3-3. Payment processing (Part 2))
The processing procedure of the payment process (Part 2) executed by the payment server 100 will be described below. FIG. 12 shows an example of the processing procedure of the payment process (Part 2) executed by the payment server 100 according to the embodiment.

As shown in FIG. 12, upon receiving billing information from the affiliated card company through the communication unit 110 (step S301), the payment processing unit 134 charges the affiliated card company account from the money balance of the advance account. An amount corresponding to the amount is transferred (step S302), and advance processing is executed.

Further, the payment processing unit 134 updates the usage amount in the credit limit managed by the payment account linked to the business account included in the billing information (step S302), and ends the processing procedure shown in FIG. do.

[4. Modified example]
(4-1. Regarding provision of multiple available slots)
In the embodiment described above, the manager M may provide a plurality of available quotas to the employee E who is permitted to use "company payment". In this case, the administrator M may set a maximum usage amount for each usage quota provided to the employee E, or set a usage condition amount that is the sum of the amounts corresponding to each usage quota. May be set. Further, the manager M may separately set an available limit based on the money balance and an available limit based on the credit limit for the employee E who is permitted to use "company payment". In this case, the registration unit 133 of the payment server 100 separately stores the available limit based on the money balance and the available limit based on the credit limit in the storage unit 120 (account information storage unit 124) in association with the target user account. Register. In addition, if Employee E works at a side job, the user account corresponding to Employee E (held by Employee E) has a "company-paid" quota available for each business operator. You can leave it there.

(4-2. About granting compensation)
In the embodiment described above, the payment server 100, for example, transfers rewards such as points when employee E makes a code payment using "company payment" as a payment method to a business account that provides "company payment". It may be given to

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

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, the payment server 100 according to the embodiment includes a storage section 120, a reception section 131, a transmission section 132, a registration section 133, and a payment processing section 134. The storage unit 120 stores information regarding accounts associated with each service user of the electronic payment service. The reception unit 131 manages a payment account stored in the storage unit 120 that is an account linked to the business account from a business terminal used by a business who owns a business account in the electronic payment service. The system receives user information regarding a service user who is permitted to use a predetermined payment means to pay for a transaction based on the available funds. The transmitter 132 transmits authentication information for linking the business account and the user account held by the service user in the electronic payment service to the user terminal 20 used by the service user. The registration unit 133 associates the information indicating the user account received from the user terminal 20 in response to the service user's operation with respect to the authentication information and the business account and registers the information in the storage unit 120. When a predetermined payment method is selected in the transaction information related to payment by the service user, the payment processing unit 134 generates a payment linked to the payee included in the transaction information based on the funds managed in the payment account. A process is executed to transfer an amount corresponding to the payment amount included in the transaction information to the payee account that is the payee account and is stored in the storage unit 120.

The payment server 100 further includes a providing unit 135 that provides a management screen for a business operator that is a user interface that can be used by a business account and allows various operations related to a predetermined payment method to be executed. The reception unit 131 receives user information registered by the business operator through the management screen.

The sending unit 132 also sends an email containing a predetermined link for linking the business account and the user account to the authentication email address included in the user information received by the reception unit 131 through the management screen. is transmitted to the user terminal 20 as authentication information.

Further, the transmitter 132 transmits an e-mail containing a predetermined link with an expiration date set to the user terminal 20.

Further, the payment account includes a first account that manages a money balance, which is a balance of electronic money based on funds charged by the business operator. The payment processing unit 134 transfers an amount corresponding to the payment amount from the money balance managed in the first account to the payee account.

Further, the payment account includes a second account that manages information indicating a credit limit granted to the business operator by corporate credit and information indicating the amount used in the credit limit. In response to receiving the transaction information, the payment processing unit 134 transfers an amount equivalent to the payment amount from the advance account stored in the storage unit 120 to the payee account, and also transfers the amount that is managed in the second account. Update the usage amount.

Further, the providing unit 135 provides the business operator with information regarding transaction details using a predetermined payment means through the management screen.

Further, the providing unit 135 provides information regarding the available usage limit, which indicates the amount that the service user can pay using a predetermined payment means, through the user application distributed to the service user.

For this reason, the payment server 100 according to the embodiment can improve the flexibility of payment using a terminal device by the processing executed by each of the above-mentioned units or by a combination of any of the units. can.

[6. Hardware configuration]
Further, the payment server 100 according to the embodiments described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 13. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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

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

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a monitor or a printer. This is realized using a connector compliant with standards such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

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

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

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

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configuration of the payment server 100 described above can be changed flexibly, such as implementing some functions by calling an external platform using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

SYS-1, SYS-2 Information processing system 10 Business terminal 20 User terminal 30 Store terminal 100 Payment server 110 Communication department 120 Storage section 121 Balance information storage section 122 Credit limit information storage section 123 User information storage section 124 Account information Storage unit 125 Transaction information storage unit 130 Control unit 131 Reception unit 132 Transmission unit 133 Registration unit 134 Payment processing unit 135 Providing unit

Claims (14)

a storage unit that stores information regarding an account linked to each service user of the electronic payment service;
An account linked to the business account and managed by a payment account stored in the storage unit from a business terminal used by a business operator that holds a business account in the electronic payment service. a reception unit that receives user information regarding the service user who is permitted to use a first payment means to pay for a transaction object based on funds;
a transmitting unit that transmits authentication information for linking the merchant account and a user account held by the service user in the electronic payment service to a user terminal used by the service user;
a registration unit that associates and registers information indicating the user account received from the user terminal in response to the service user's operation on the authentication information and the business account in the storage unit;
If the first payment means is selected by the service user in transaction information regarding payment by the service user, based on the funds managed in the payment account linked to the merchant account, A process of transferring an amount equivalent to the payment amount included in the transaction information to the payee account that is linked to the payee included in the transaction information and stored in the storage unit. and a second payment means is selected by the service user that performs the payment of the price based on funds managed in an account linked to the user account held by the service user in the transaction information. and a payment processing unit that executes processing to transfer an amount equivalent to the payment amount to the payee account based on the funds managed in the account linked to the service user. An information processing device characterized by: The reception department is
As the user information, for each service user who is permitted by the business operator to use the first payment means, the first payment means can be used to make the payment. The information processing device according to claim 1, wherein the information processing device receives information on an upper limit amount. The reception department is
The method is characterized in that, for each service user, information indicating the upper limit amount that can be used and a transaction object or transaction location where the payment can be made using the first payment means is received. The information processing device according to claim 2. further comprising a providing unit that provides a management screen for a business operator that is a user interface that can be used by the business account and that allows various operations regarding the first payment method to be executed;
The reception department is
The information processing device according to claim 1, wherein the user information registered by the business operator is received through the management screen. The transmitter includes:
The authentication email is sent to the authentication email address included in the user information received by the reception unit through the management screen, and includes a predetermined link for linking the vendor account and the user account. 5. The information processing device according to claim 4, wherein the information processing device transmits the information to the user terminal as information for use. The transmitter includes:
The information processing apparatus according to claim 5, wherein the e-mail including the predetermined link with an expiration date set is sent to the user terminal. The transmitter includes:
When access from the service user to the predetermined link is received, transmitting information for displaying a web page for user account registration to a user terminal used by the service user;
The registration department is
The above-mentioned vendor account corresponding to the web page on which the service user has registered a user account and information indicating the user account on which the service user has registered are linked and registered. The information processing device according to claim 5. The registration department is
After linking the aforementioned merchant account and the information indicating the user account, the use of the first payment means is valid in association with the user account linked to the aforementioned merchant account. The information processing device according to claim 7, wherein information indicating the information is registered. The payment account is
including a first account that manages a money balance that is an electronic money balance based on funds charged by the aforementioned business operator;
The payment processing unit is
The information processing device according to claim 1, wherein an amount corresponding to the payment amount is transferred from the money balance managed in the first account to the payee account. The payment account is
a second account that manages information indicating a credit limit granted to the aforementioned business entity through corporate credit and information indicating the amount used in the credit limit;
The payment processing unit is
In response to receiving the transaction information, an amount corresponding to the payment amount is transferred from the advance account stored in the storage unit to the payee account, and the amount corresponding to the payment amount is transferred from the advance account stored in the storage unit to the payment destination account. The information processing device according to claim 1, wherein the information processing device updates a usage amount. The provision department is
The information processing device according to claim 4, wherein information regarding transaction details using the first payment means is provided to the merchant through the management screen. The provision department is
Information regarding an available usage limit indicating an amount that the service user can pay using the first payment means is provided through a user application distributed to the service user. The information processing device according to claim 4. An information processing method performed by a computer having a storage unit that stores information regarding an account linked to each service user of an electronic payment service, the method comprising:
An account linked to the business account and managed by a payment account stored in the storage unit from a business terminal used by a business operator that holds a business account in the electronic payment service. a reception step of receiving user information regarding the service user who is permitted to use a first payment means to pay for the transaction object based on funds;
a transmission step of transmitting authentication information for linking the merchant account and a user account held by the service user in the electronic payment service to a user terminal used by the service user;
a registration step of linking and registering information indicating the user account received from the user terminal in response to the service user's operation on the authentication information and the business account in the storage unit;
If the first payment means is selected by the service user in transaction information regarding payment by the service user, based on the funds managed in the payment account linked to the merchant account, A process of transferring an amount equivalent to the payment amount included in the transaction information to the payee account that is linked to the payee included in the transaction information and stored in the storage unit. and a second payment means is selected by the service user that performs the payment of the price based on funds managed in an account linked to the user account held by the service user in the transaction information. a payment processing step of executing a process of transferring an amount equivalent to the payment amount to the payee account based on the funds managed in the account linked to the service user. An information processing method characterized by: A computer having a storage unit that stores information regarding an account linked to each service user of the electronic payment service,
An account linked to the business account and managed by a payment account stored in the storage unit from a business terminal used by a business operator that holds a business account in the electronic payment service. a reception procedure for receiving user information regarding the service user who is permitted to use a first payment means to pay for a transaction object based on funds;
a transmission procedure for transmitting authentication information for linking the merchant account and a user account held by the service user in the electronic payment service to a user terminal used by the service user;
a registration procedure of linking and registering information indicating the user account received from the user terminal in response to the service user's operation on the authentication information and the business account in the storage unit;
If the first payment means is selected by the service user in transaction information regarding payment by the service user, based on the funds managed in the payment account linked to the merchant account, A process of transferring an amount equivalent to the payment amount included in the transaction information to the payee account that is linked to the payee included in the transaction information and stored in the storage unit. and a second payment means is selected by the service user that performs the payment of the price based on funds managed in an account linked to the user account held by the service user in the transaction information. If so, execute a payment processing procedure for transferring an amount equivalent to the payment amount to the payee account based on the funds managed in the account linked to the service user. An information processing program characterized by:

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