JP7460829B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] To promote the use of services related to digital salary payments. [Solution] The information processing device according to the present application is an information processing device that executes processing related to transaction operations including settlement between accounts, and has a judgment unit and a decision unit. When a transfer request is received, the judgment unit judges whether the transfer destination account specified in the transfer request is an account from which a payment is made to a specified business operating an electronic payment service, and is a virtual account that the specified business assigns to the service user as a receiving account for receiving electronic money sent to the service user who uses the electronic payment service. When the judgment unit judges that the transfer destination account is a virtual account, the decision unit determines a predetermined profit to be granted to the transfer requester in conjunction with the transfer processing executed in response to the transfer request. [Selected Figure] Figure 2

Description

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

Recently, the government has begun to consider introducing so-called "digital salary payments," which would allow money transfer businesses operating in the money transfer industry to pay salaries using digital money such as electronic money and virtual currency. In connection with this, technologies related to the digital payment of salaries have also been proposed.

JP 2022-151873 A

However, with the above-mentioned conventional technology, there is still room for improvement in promoting the use of services related to digital salary payment. For example, currently, it is difficult for employers, etc., who are the source of salary transfers, to benefit from the introduction of digital salary payments, and employers, etc. are not in a position to proactively consider the introduction of services related to digital salary payments. .

The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can promote the use of services related to digital salary payments.

The information processing device according to the present application is an information processing device that executes processing related to transaction operations including settlement between accounts, and includes a determination unit and a determination unit. When the determination unit receives a transfer request, it determines whether the transfer destination account specified in the transfer request is an account that pays out to a prescribed business operator that operates an electronic payment service, and the service user who uses the electronic payment service It is determined whether the receiving account for receiving remittances addressed to the user in electronic money is a virtual account assigned to the service user by a predetermined business operator. The determining unit determines a predetermined profit to be given to the transfer request source in conjunction with the transfer process executed in response to the transfer request when the determining unit determines that the transfer destination account is a virtual account.

According to one aspect of the embodiment, it is possible to promote the use of services related to digital salary payment.

FIG. 1 is a diagram for explaining an overview of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of an information processing apparatus according to an embodiment. FIG. 3 is a diagram illustrating an example of account information stored in the account information storage unit according to the embodiment. FIG. 4 is a flowchart illustrating an example of a processing procedure of information processing executed by the information processing device according to the embodiment. FIG. 5 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment or the modification.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an embodiment of an information processing program (hereinafter referred to as "embodiments") according to the present application 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]
(1-1. System configuration)
Information processing according to the embodiment will be specifically described below. First, prior to explaining the information processing according to the embodiment, an example of the configuration of the information processing system SYS will be explained with reference to FIG. FIG. 1 is a diagram for explaining an overview of information processing according to an embodiment.

As shown in FIG. 1, the information processing system SYS according to the embodiment includes a business operator device 10, a payment server 20, and an information processing device 100. The business operator device 10, the payment server 20, and the information processing device 100 are connected to a network N (see, for example, FIG. 2) by wire or wirelessly. The business operator device 10, the payment server 20, and the information processing device 100 can communicate with other devices via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

The business operator device 10 shown in FIG. 1 is an information processing terminal managed by company X. Company X transfers salaries to employees (for example, service users UB). The business operator device 10 is realized by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), etc. In addition, the business operator device 10 can display information distributed by the payment server 20 and the information processing device 100 using a web browser or application.

The payment server 20 shown in FIG. 1 is a server device managed by company Z, which is operated by service provider UA that provides electronic payment services. The payment server 20 may be realized by a mainframe, a workstation, or the like. Furthermore, when the payment server 20 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

The information processing device 100 shown in FIG. 1 is an information processing device managed by Bank Y, and executes processing related to transaction operations including settlement between accounts. Bank Y cooperates with service provider UA to collect salary so that service user UB who uses electronic payment service can receive at least a part of salary as electronic money that can be used in electronic payment service. Provide services related to digital payments. Further, the information processing device 100 executes information processing according to an embodiment described later when providing a service related to digital salary payment.

(1-2. Premise of information processing according to embodiment)
The premise of information processing according to the embodiment will be described below. Service provider UA of company Z and provider UC of company X each open an account with bank Y (steps S01-1, S01-2).

Further, in response to a request from the service provider UA, the bank Y pays out a plurality of virtual accounts linked to the real account opened at the bank Y by the service provider UA (step S02). For example, bank Y can pay out as many virtual accounts as requested by service provider UA. The information processing device 100 manages the correspondence between the real account opened by the service provider UA at bank Y and the virtual account paid out to the service provider UA.

Further, upon receiving notification of the activated virtual account number from the service provider UA, bank Y manages information indicating that the virtual account number has been activated in association with the virtual account number. Furthermore, when Bank Y receives information indicating the purpose of use of the activated virtual account from service provider UA after disbursing the virtual account to service provider UA, Bank Y manages the received purpose of use by associating it with the virtual account. It's okay. Examples of the purpose of use include receiving a salary and receiving something other than a salary.

The service provider UA can provide the service user UB with a service (hereinafter referred to as the "salary receiving service") that allows the service user UB to receive at least a portion of their salary in electronic money as one of the services incidental to the electronic payment service. When the service provider UA provides the salary receiving service to the service user UB, the service provider UA assigns a receiving account for the salary receiving service to the service user UB (step S03).

Specifically, when activating the salary receiving service in response to a request for use from the service user UB, the payment server 20 arbitrarily selects an unused virtual account from among multiple virtual accounts borrowed in advance from Bank Y as the receiving account to be assigned to the service user UB. The payment server 20 then associates and registers a virtual account number for identifying the selected virtual account with identification information unique to the service user UB. The payment server 20 notifies the service user UB of the virtual account number together with a notification that registration for the salary receiving service has been completed.

Note that the payment server 20 uses, as identification information unique to each service user UB who uses the salary receiving service, the payment server 20 individually assigns each service user UB when registering to use the electronic payment service, for example. A unique user ID may be used. Note that the registration for use of the salary receipt service is a predetermined user application program that the service user UB installs and uses on his or her own information processing terminal, and includes various functions related to code payments that are executed using the information processing terminal. This may be done through a mini-app that is launched within a payment app equipped with the payment app, or it may be done through a predetermined website that cooperates with this payment app.

When the service provider UA activates the salary receipt service for the service user UB, the service provider UA notifies the bank Y of information indicating the activated virtual account (step S04). For example, the payment server 20 may transmit the virtual account number assigned to the service user UB to the information processing device 100. At this time, the service provider UA may also notify bank Y of the information that the purpose of use of the activated virtual account is to receive salary. For example, the payment server 20 may transmit to the information processing device 100 the virtual account number assigned to the service user UB and information indicating that the purpose of using the virtual account is to receive a salary.

The service user UB notifies the virtual account number notified by the service provider UA to the company X where the user works as the salary receiving account information (step S05).

Company X transfers the salary to the service user UB based on the salary receiving account information notified by the service user UB, who is an employee.

(1-3. Overview of information processing according to embodiment)
Hereinafter, an overview of information processing according to the embodiment will be described with reference to FIG. 1. As shown in FIG. 1, company X makes a transfer request to bank Y (step S11). For example, the business operator device 10 transmits a transfer request to the information processing device 100 in accordance with an operation by the business operator UC that operates company X.

When the information processing device 100 receives a transfer request, it performs a transfer destination determination (step S12). For example, the information processing device 100 refers to the account information it manages and determines whether the transfer destination account specified in the transfer request is an account from which a payment is made to a service provider UA (an example of a "prescribed provider") that operates an electronic payment service, and whether it is a virtual account that the service provider UA assigns to a service user UB who uses the electronic payment service as a receiving account for receiving remittances addressed to the service user UB in electronic money.

Further, when it is determined that the transfer destination account is a virtual account, the information processing device 100 determines a predetermined profit to be given to the transfer request source in conjunction with the transfer processing executed in response to the transfer request (step S13).

For example, the information processing device 100 may waive a predetermined fee charged to the business operator UC that made the transfer request upon execution of the transfer process for the corresponding transfer request. Furthermore, for example, the information processing device 100 may charge the business operator UC that made the transfer request in accordance with the number of transfer transactions in which a virtual account is designated as the transfer destination during a predetermined period. Fees may be reduced or waived. For example, the information processing device 100 may reduce or exempt a predetermined fee associated with execution of a transfer process as the number of transfer transactions in which a virtual account is designated as a transfer destination increases.

In addition, for example, the information processing device 100 may refund, for each transfer transaction, cash equivalent to a specified fee charged to the business UC that requested the transfer in connection with the execution of the transfer transaction, to a bank account held by the business UC that requested the transfer at bank Y.

Furthermore, for example, if the business operator UC that is the transfer requestor has a corporate account for using the electronic payment service, the information processing device 100 may Electronic money equivalent to a predetermined fee charged to the business operator UC that requested the transfer upon execution of the transfer process may be refunded to a corporate account held by a certain business operator UC.

The information processing device 100 may also decide whether to grant a predetermined benefit based on information indicating the purpose of use of the virtual account. For example, suppose that a service provider UA provides a service in which at least a portion of funds other than salary are received in electronic money, and assigns a virtual account to a service user UB who uses this service as a receiving account for receiving remittances addressed to the service user in electronic money. In this case, the information processing device 100 may decide to grant a predetermined benefit to the transfer requester, on the condition that the purpose of use of the virtual account is to receive salary.

In addition, the information processing device 100 may change the content of the predetermined benefit based on information indicating the purpose of use of the virtual account. For example, the information processing device 100 may change the content of the predetermined benefit provided to the transfer requester depending on whether the purpose of use of the virtual account is to receive a salary or to receive something other than a salary.

After determining a predetermined profit to be provided to the transfer request source, the information processing device 100 executes a transfer process according to the transfer request (step S14). For example, the information processing device 100 withdraws the designated transfer amount specified in the transfer request and a predetermined fee associated with the transfer process, and transfers the withdrawn designated transfer amount to the virtual account of the transfer destination specified in the transfer request. Execute transaction processing to transfer money to the real account of the linked service provider UA.

As described above, the information processing apparatus 100 according to the embodiment provides a predetermined profit to be given to the company UC that made the transfer request, when the account to which the transfer is made is a valid virtual account issued to the service provider UA. decide. Therefore, the information processing device 100 can provide benefits associated with the introduction of digital salary payment to the business operator UC, which is the source of salary transfer, and the business operator UC can introduce services related to digital salary payment. It can create an opportunity to consider things positively. For this reason, the information processing apparatus 100 according to the embodiment can promote the use of services related to digital salary payment.

2. Configuration of information processing device 100
Hereinafter, an example of the functional configuration of the information processing device 100 according to the embodiment will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of the configuration of the information processing device 100 according to the embodiment. As shown in Fig. 2, the information processing device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC) etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the business operator device 10 and the payment server 20.

(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. 2, the storage section 120 includes an account information storage section 121.

(Regarding the account information storage unit 121)
The account information storage unit 121 stores account information related to bank accounts opened by customers of Bank Y. The customers include a service provider UA that operates a business partner, Company Z, which provides an electronic payment service, and a business provider UC that operates Company X. Fig. 3 is a diagram showing an example of account information stored in the account information storage unit 121 according to the embodiment.

As shown in FIG. 3, the account information stored in the account information storage unit 121 includes items such as "owner ID", "owner information", "real account information", and "virtual account information". It has multiple items such as ``. These items included in the account information are associated with each other.

The "Owner ID" item stores the owner ID, which is unique identification information individually assigned to each owner in order to uniquely identify the owner of the bank account opened at Bank Y. Ru.

The "Owner Information" field stores information about the owner of the bank account opened at Bank Y. The owner information may include information such as the company name (or name) and address (or location).

The "Actual Account Information" field stores information about an actual bank account opened at Bank Y. The information about the bank account may include information indicating the account number unique to the bank account, information indicating the balance, etc.

The "Virtual Account Information" item stores information about the virtual account issued to service provider UA, which operates company Z, a business partner that provides electronic payment services. The information about the virtual account may include information indicating a virtual account number unique to the virtual account, information indicating that the virtual account is in a valid state and assigned to a service user of the electronic payment service (for example, service user UB shown in FIG. 1), and information indicating the purpose of use of the virtual account.

(Regarding the control unit 130)
The control unit 130 is a controller, and is realized, for example, by a central processing unit (CPU) or a micro processing unit (MPU) executing various programs stored in a storage device inside the information processing device 100 using a RAM as a working area. The control unit 130 can also be realized, for example, by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

As shown in FIG. 2, the control unit 130 has a judgment unit 131 and a decision unit 132, and these units realize or execute the functions and actions of the information processing described below. Note that the control unit 130 may also include new functional units different from the units shown in FIG. 2 in response to the expansion of various processes executed by the information processing device 100.

(Regarding the determination unit 131)
When a transfer request is received, the judgment unit 131 judges whether the transfer destination account specified in the transfer request is an account from which to pay out to a specified business providing an electronic payment service, and whether it is a virtual account assigned to a service user (for example, service user UB shown in Figure 1) by a specified business (for example, service provider UA shown in Figure 1) who uses the electronic payment service as a receiving account for receiving remittances addressed to the service user in the form of electronic money.

(About the determining unit 132)
When the determination unit 131 determines that the transfer destination account is a virtual account, the determination unit 132 determines a predetermined profit to be given to the transfer request source in conjunction with the transfer process executed in response to the transfer request.

Further, the determining unit 132 may waive a predetermined fee charged to the transfer requester upon execution of the transfer process.

The determination unit 132 may also reduce or waive a specified fee charged to the transfer requester in relation to the execution of the transfer process, depending on the number of transfer transactions in which a virtual account is designated as the transfer destination during a specified period.

Further, for each transfer process, the determining unit 132 may refund cash equivalent to a predetermined fee charged to the transfer request source upon execution of the transfer process to the bank account held by the transfer request source. .

The determination unit 132 may also, for each transfer transaction, refund electronic money equivalent to a specified fee charged to the transfer requester in connection with the execution of the transfer transaction to the corporate account held by the transfer requester in the electronic payment service.

Further, the determining unit 132 may determine whether or not to grant the predetermined profit based on information indicating the purpose of use of the virtual account.

(About the transfer processing unit 133)
The transfer processing unit 133 executes transfer processing in response to a transfer request. For example, the transfer processing unit 133 withdraws the designated transfer amount specified in the transfer request and a predetermined fee associated with the transfer process, and transfers the withdrawn specified transfer amount to the virtual account of the transfer destination specified in the transfer request. Execute transaction processing to transfer money to the real account of the linked service provider UA. Note that the transfer processing unit 133 transfers a predetermined fee associated with the transfer process to a predetermined account held by Bank Y. In addition, the transfer processing unit 133 determines, as a predetermined benefit to be given to the transfer requestor, by the determination unit 132, that a predetermined fee charged to the transfer requestor in connection with the execution of the transfer process will be waived or reduced. Transfer processing that reflects the decisions made by the decision unit 132 is executed.

[3. Processing procedure example]
The flow of information processing executed by the information processing apparatus 100 according to the embodiment will be described below using FIG. 4. FIG. 4 is a flowchart illustrating an example of an information processing procedure executed by the information processing apparatus 100 according to the embodiment. Note that the processing procedure shown in FIG. 4 is executed by the control unit 130 included in the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 4 while the information processing device 100 is in operation.

As shown in FIG. 4, the determination unit 131 determines whether a transfer request has been accepted (step S101).

When determining that the transfer request has been accepted (step S101; Yes), the determination unit 131 determines whether the transfer destination account specified in the transfer request is a valid virtual account (step S102). Specifically, the determination unit 131 refers to the account information and determines whether the transfer destination account is a virtual account assigned to the service user UB by the service provider UA, that is, an activated virtual account. Determine.

In addition, if the judgment unit 131 judges that the transfer destination account specified in the transfer request is a valid virtual account (step S102; Yes), the determination unit 132 determines a predetermined profit to be granted to the transfer requester in association with the transfer process executed in response to the transfer request (step S103).

Further, the transfer processing unit 133 executes a transfer process in accordance with the transfer request received in step S101 (step S104), and ends the processing procedure shown in FIG. 4. Note that the transfer processing unit 133 determines, as a predetermined benefit to be given to the transfer requestor, by the determination unit 132, that the predetermined fee charged to the transfer requestor in connection with the execution of the transfer process will be waived or reduced. A transfer process that reflects the decisions made by the decision unit 132 is executed.

4. Modifications
(4-1. Withdrawals from virtual accounts for different purposes)
In the above embodiment, when the information processing device 100 pays out a virtual account to the service provider UA, the information processing device 100 may pay out a virtual account corresponding to the purpose of use designated by the service provider from among a plurality of virtual accounts prepared in advance for each purpose of use. For example, when the information processing device 100 receives a request for lending a virtual account whose purpose of use is to receive a salary from the payment server 20, the information processing device 100 may pay out a virtual account corresponding to the purpose of use: "receive a salary" to the service provider UA by linking it to the real account of the service provider UA. Then, the information processing device 100 stores information indicating a real account number that identifies the real account of the service provider UA and information indicating a virtual account number that identifies the virtual account paid out to the service provider UA in association with each other in the storage unit. In this way, the information processing device 100 manages the status of the virtual accounts paid out to the service provider UA by purpose of use.

(4-2. Transfer in foreign currency)
In the embodiment described above, the information processing device 100 may provide the service provider UA with a virtual account for accepting foreign currency transfers. In this case, the information processing device 100 may execute the transfer process after converting the transferred foreign currency into Japanese currency using the virtual account as the transfer destination, based on the advance settings by the service provider UA. You may proceed with the transfer process. Note that when executing the transfer process in foreign currency, it is assumed that the service provider UA has an account at bank Y for foreign currency deposits.

(4-3. System configuration, etc.)
In the embodiment described above, the information processing apparatus 100 configuring the information processing system SYS according to the embodiment has a processing function for executing processing related to normal business and a processing procedure for executing information processing according to the embodiment. It may be configured to include a plurality of servers whose functions are functionally or physically distributed.

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

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 information processing device 100 according to the embodiment is an information processing device that executes processing related to transaction operations including settlement between accounts, and includes a determination unit 131 and a determination unit 132. When the determination unit 131 receives a transfer request, the determination unit 131 determines that the transfer destination account specified in the transfer request is an account that pays out to a predetermined business operator that provides an electronic payment service, and that the determination unit 131 determines that the transfer destination account specified in the transfer request is an account that pays out to a predetermined business operator that provides an electronic payment service, and that the service use that uses the electronic payment service is It is determined whether this is a virtual account that a predetermined business operator allocates to a service user as a receiving account for receiving remittances addressed to oneself in the form of electronic money. When the determination unit 131 determines that the transfer destination account is a virtual account, the determination unit 132 determines a predetermined profit to be given to the transfer request source in conjunction with the transfer process executed in response to the transfer request.

In this way, the information processing apparatus 100 according to the embodiment determines a predetermined profit to be given to the transfer requesting company UC when the transfer destination account is a valid virtual account issued to the service provider UA. do. Therefore, the information processing device 100 can provide benefits associated with the introduction of digital salary payment to the business operator UC, which is the source of salary transfer, and the business operator UC can introduce services related to digital salary payment. It can create an opportunity to consider things positively. For this reason, the information processing apparatus 100 according to the embodiment can promote the use of services related to digital salary payment.

The determination unit 132 may also waive a specified fee charged to the transfer requester in connection with the execution of the transfer process.

The determination unit 132 may also reduce or waive a specified fee charged to the transfer requester in relation to the execution of the transfer process, depending on the number of transfer transactions in which a virtual account is designated as the transfer destination during a specified period.

The determination unit 132 may also refund, for each transfer transaction, cash equivalent to a specified fee charged to the transfer requester in connection with the execution of the transfer transaction to a bank account held by the transfer requester.

The determination unit 132 may also, for each transfer transaction, refund electronic money equivalent to a specified fee charged to the transfer requester in connection with the execution of the transfer transaction to the corporate account held by the transfer requester in the electronic payment service.

In this way, the information processing device 100 according to the embodiment can provide benefits to the transfer requester in various forms.

The determination unit 132 may also determine whether or not to grant a predetermined benefit based on information indicating the purpose of use of the virtual account. This allows the information processing device 100 according to the embodiment to limit the circumstances in which the predetermined benefit is granted to the transfer requester.

[6. Hardware configuration]
Further, the information processing apparatus 100 according to the embodiment or modified example described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 5 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device 100 according to the embodiment or modification.

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 the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that primarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, etc.

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 such as a monitor or printer, which outputs various types of information, and is realized, for example, by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, and scanner, and is realized, for example, by a USB.

The input device 1020 may be a device that reads information from, 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), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also 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.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 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 information processing device 100 according to the embodiment or the modified example, the arithmetic device 1030 of the computer 1000 executes a program (e.g., an information processing program) loaded onto the primary storage device 1040, thereby realizing a function similar to that of the control unit 130. That is, the arithmetic device 1030 cooperates with the program (e.g., an information processing program) loaded onto the primary storage device 1040 to realize the processing by the information processing device 100 according to the embodiment or the modified example.

[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 can 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 information processing apparatus 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 Information processing system 10 Business device 20 Payment server 100 Information processing device 110 Communication section 120 Storage section 121 Account information storage section 130 Control section 131 Judgment section 132 Determination section 133 Transfer processing section

Claims (8)

An information processing device that is managed by a bank and executes processing related to transaction operations including settlement between accounts,
When a transfer request is accepted , a bank account that is paid in advance to a designated business operator that provides electronic payment services to service users, and is used as a receiving account for the service user to receive remittances addressed to him/her in electronic money. , with reference to account information that stores information for identifying a virtual account that the predetermined business operator allocates to the service user, and determines whether the bank account to which the transfer is to be made specified in the transfer request is the virtual account. a determination unit that determines whether or not there is a
If the determination unit determines that the bank account of the transfer destination is the virtual account , a predetermined fee to be charged to the transfer requester for the transfer process executed in response to the transfer request is paid for a predetermined period of time. a determining unit that determines a predetermined profit that is determined according to the number of transfer processing transactions in which the virtual account is designated as the transfer destination, and that grants the transfer requestor an amount equivalent to the determined predetermined fee; An information processing device comprising: The determination unit is
The information processing device according to claim 1 , wherein the predetermined benefit is to make the predetermined fee free of charge. The determination unit is
The information processing device according to claim 1 , wherein the predetermined benefit is a reduction or exemption from the predetermined fee. The determination unit is
2. The information processing device according to claim 1 , wherein the predetermined profit is a cash amount equivalent to the predetermined fee refunded to a bank account held by the transfer requester. The account information is
further storing the purpose of use of the virtual account in association with information for identifying the virtual account;
The determining unit is
Based on information indicating the purpose of use of the virtual account stored in the account information , it is determined to grant the predetermined benefit on the condition that the purpose of use is to receive a salary.
The information processing device according to claim 1, characterized in that: The determining unit is
The content of the predetermined profit to be granted to the transfer requestor is changed depending on whether the purpose of use is to receive a salary or the purpose of use is to receive something other than a salary.
6. The information processing device according to claim 5 . An information processing method that is managed by a bank and executed by a computer that executes processing related to transaction operations including settlement between accounts,
When a transfer request is accepted , a bank account that is paid in advance to a designated business operator that provides electronic payment services to service users, and is used as a receiving account for the service user to receive remittances addressed to him/her in electronic money. , with reference to account information that stores information for identifying a virtual account that the predetermined business operator allocates to the service user, and determines whether the bank account to which the transfer is to be made specified in the transfer request is the virtual account. a determination step of determining whether or not there is a
If it is determined in the determination step that the bank account of the transfer destination is the virtual account , a predetermined fee to be charged to the transfer requestor will be charged for a predetermined period of time in conjunction with the transfer process executed in response to the transfer request. a determining step of determining a predetermined profit that is determined according to the number of transfer processing transactions in which the virtual account is designated as the transfer destination, and giving the transfer requestor an amount equivalent to the determined predetermined fee; An information processing method characterized by comprising: A computer managed by a bank that performs processing related to transaction operations including settlement between accounts.
When a transfer request is accepted , a bank account that is paid in advance to a designated business operator that provides electronic payment services to service users, and is used as a receiving account for the service user to receive remittances addressed to him/her in electronic money. , with reference to account information that stores information for identifying a virtual account that the predetermined business operator allocates to the service user, and determines whether the bank account to which the transfer is to be made specified in the transfer request is the virtual account. a determination procedure for determining whether or not there is a
If the bank account of the transfer destination is determined to be the virtual account according to the determination procedure , a predetermined fee to be charged to the transfer requestor will be charged for a predetermined period of time in conjunction with the transfer process executed in response to the transfer request. determining a predetermined profit , which is determined according to the number of transfer processing transactions in which the virtual account is designated as the transfer destination, and gives the transfer requestor an amount equivalent to the determined predetermined fee; An information processing program that executes.

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