Information processing device, information processing method and information processing program

Abstract

To provide an information processing device, an information processing method and an information processing program capable of promoting the use of digital payment of a salary.SOLUTION: In an information processing system in which a user terminal, a bank server and a settlement server are connected communicably to one another through a network, the settlement server being an information processing device has a control part including: a detection part for detecting a transfer deposit to a virtual account individually allocated to each user from among a plurality of virtual accounts linked to the same account owned by a business operator in an affiliated financial institution; and a reflection part for reflecting a deposit amount of the transfer deposit to a money balance showing a balance of electronic money owned by a user associated in advance with the virtual account in the case that the transfer deposit is detected. The control part is provided with a function for previously receiving selection of an amount to be received by electronic money in the deposit money of the transfer deposit from the user, and charging electronic money corresponding to the received amount to the money balance.SELECTED DRAWING: Figure 5

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] Traditionally, cashless payment methods have been widely recognized by consumers, mainly for commercial transactions between companies and individuals. In particular, electronic payment services that are performed online using user terminals such as smartphones owned by individuals are becoming more and more popular among consumers due to their convenience. For example, a service provider that provides electronic payment services manages the balance of electronic money that the service user can use by linking it to an account that is individually assigned to the service user. Then, the service provider provides the service user with a transaction method for making a payment using electronic money in response to a transaction request from the service user.

[0003] In addition, the government has recently begun to consider introducing a so-called "digital salary payment" system, which would allow money transfer businesses operating in the money transfer industry to pay wages using digital money such as the above-mentioned electronic money and virtual currency. Note that the above-mentioned service providers may also act as money transfer businesses. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2020-4122 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, with the above-mentioned conventional technologies, there remain many issues to be overcome in promoting the use of digital salary payments when the ban on digital salary payments is lifted.For example, when a funds transfer service provider supports digital salary payments, it needs to provide a corporate account to the payer company, but since setting up a corporate account requires a lot of man-hours, it is difficult to provide the service quickly.

[0006] Another option is for the company that pays the salary to act as a money transfer business. However, in order to operate a money transfer business, it is necessary to be registered with the Prime Minister, which places a heavy burden on the company that pays the salary.

[0007] In addition, in the above-mentioned electronic payment services, if the fund transfer business operator keeps track of the bank account of the service user and receives consent from the user to enable automatic charging of a certain amount, it is possible for the bank account to be automatically charged when the user's cash, such as a salary, is deposited into the bank account. However, many service users are reluctant to provide their own bank account information to the fund transfer business operator due to concerns that their personal information may be leaked.

[0008] As such, even if digital salary payments were allowed, under the current circumstances, there is a high possibility that there will not be much progress in switching from the existing scheme of transferring salaries to bank accounts to digital salary payments.

[0009] 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 digital salary payments. [Means for solving the problem]

[0010] The information processing device according to the present application includes a detection unit, a reflection unit, and a control unit. The control unit accepts a selection from a user of an amount of a transfer deposit to be received in electronic money, and charges the electronic money equivalent to the accepted amount to a money balance. Effect of the Invention

[0011] According to one aspect of the embodiment, it is possible to promote the use of digital salary payments. [Brief description of the drawings]

[0012] [Figure 1] FIG. 1 is a diagram illustrating an example of an overview (part 1) of information processing according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of an outline (part 2) of information processing according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of an overview (part 3) of information processing according to the embodiment. [Figure 4] FIG. 4 is a diagram showing an example of a notification of a transfer by the transfer service according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of information stored in the account information storage unit according to the embodiment. [Figure 9] FIG. 9 is a flowchart illustrating an example of a processing procedure of the account allocation processing executed by the payment server according to the embodiment. [Figure 10] FIG. 10 is a flowchart illustrating an example of a processing procedure for a reflection process of a transfer amount executed by the settlement server according to the embodiment. [Figure 11] FIG. 11 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the payment server according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments. In addition, the same parts in the following embodiments are given the same reference numerals, and duplicated explanations will be omitted.

[0014] 1. Embodiment The information processing performed by the information processing device according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of an outline (part 1) of the information processing performed by the embodiment. In Fig. 1, the information processing performed by the embodiment is performed by a payment server 100, which is an example of the information processing device according to the embodiment.

[0015] (1-1. System Configuration) As shown in Fig. 1, an information processing system 1 according to an embodiment includes a user terminal 10, a bank server 20, and a payment server 100. The user terminal 10, the bank server 20, and the payment server 100 are connected to each other via a network N (see Fig. 5, for example) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a Wide Area Network (WAN) such as the Internet. Note that the information processing system 1 shown in Fig. 1 may include a plurality of user terminals 10, a plurality of bank servers 20, and a plurality of payment servers 100.

[0016] The 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 an electronic payment service (a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment) related to electronic payment using the user terminal 10 to a service user. The payment server 100 executes information processing related to the electronic payment service. Specifically, the payment server 100 distributes an application program for a user terminal (hereinafter, appropriately referred to as a "user application") for implementing code payment to general consumers who are service users. 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 a remittance process of electronic money between accounts according to 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-mentioned information, the transaction information may include information such as a transaction code for individually identifying a transaction and date and time information (timestamp) for identifying the date and time when the transaction was performed.

[0017] Furthermore, the payment server 100 provides an electronic money transfer service as one of the above-mentioned services. For example, the payment server 100 provides a service that accepts electronic money transfers of wages and various types of transfers other than wages. The specific information processing content will be described in detail later. The services that accept wage transfers and various types of transfers may be configured as mini-applications that are launched within a user application for implementing code payment, or may be unique application programs that are prepared independently of the user application.

[0018] The user terminal 10 shown in Fig. 1 is a general consumer who receives a transaction object from a store, and is an information processing device used by a user UX who uses the service provided by the payment server 100. The user terminal 10 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 10 displays information distributed by the payment server 100 by a web browser or an application. Note that Fig. 1 illustrates a smartphone as an example of the user terminal 10.

[0019] When the user terminal 10 receives control information for implementing a predetermined information process from the payment server 100, the user terminal 10 implements the information process according to the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). The predetermined application itself delivered from the payment server 100 may be regarded as the control information.

[0020] 1 is an information processing device belonging to a bank (an example of a "financial institution") that manages bank accounts opened by applicants, and is realized by a server device, a cloud system, etc. For example, the bank server 20 manages, as a bank account usage history, information on withdrawals from the bank account by each card company or various service providers (such as the amount withdrawn and the date and time of withdrawal), current account information (such as the account balance), etc., in association with the account holder.

[0021] (1-2. Payment using user terminal 10) Here, an example of code payment (electronic payment) using the user terminal 10 will be described. In the following description, an example will be described in which a user UX who receives a transaction object from the store X makes a payment using the user terminal 10, using a two-dimensional code (QR code (registered trademark)) arranged in the store X, which indicates store identification information that identifies the store X. Note that the example of code payment described below is also applicable to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 10. In addition, the two-dimensional code indicating the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like. In addition, the two-dimensional code is not limited to an example that is physically formed by a printed matter printed on a medium such as paper, and may be formed by image information displayed on an arbitrary terminal.

[0022] For example, when a user UX makes a payment for the purchase or use of a transaction object such as various goods or services at store X, the user UX launches a user application pre-installed on the user terminal 10. Then, the user UX photographs a two-dimensional code placed at store X via the user application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user UX or a store clerk at store X. Then, the user terminal 10 transmits transaction information to the payment server 100, the transaction information including user identification information that identifies the user UX, store identification information (or information indicated by the store identification information, i.e., information indicating store X (for example, a store ID)), and the payment amount.

[0023] When the payment server 100 accepts the transaction information from the user terminal 10, it transfers electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information to the account of the store X indicated by the store identification information. At this time, the payment server 100 may transfer the electronic money to the account of the store X after subtracting a predetermined fee to be charged to the store X from the electronic money equivalent to the payment amount. Then, the payment server 100 transmits a notification that the transaction is completed to the user terminal 10. In such a case, the user terminal 10 notifies the user UX that the transaction using electronic money is completed by outputting a screen or a predetermined sound indicating that the transaction is completed. Alternatively, the payment server 100 may withdraw electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information, manage it as sales information of the store X, and transfer cash equivalent to the sales amount to a bank account held by the store X at a predetermined timing. In this case, the payment server 100 may notify the user UX that the transaction using electronic money is completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the account of the user UX.

[0024] It should be noted that the payment using the user terminal 10 is not limited to the above-mentioned process. For example, the payment using the user terminal 10 may be made using a terminal device (hereinafter referred to as a "store terminal") installed in store X. Specifically, the user terminal 10 first displays code information indicating user identification information for identifying the user UX on a screen. In such a case, the store terminal reads the user identification information from the code information displayed on the user terminal 10, and transmits transaction information including the read user identification information (or information indicated by the user identification information, i.e., information indicating the user UX (e.g., user ID)), the payment amount, and information identifying store X to the payment server 100.

[0025] When the payment server 100 receives the transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information to the account of the store X. Then, the payment server 100 transmits a notification that the transaction has been completed to the store terminal or the user terminal 10. The store terminal or the user terminal 10 notifies the user UX that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. The payment server 100 may also withdraw electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information, manage it as sales information of the store X, and transfer cash equivalent to the sales amount to a bank account held by the store X at a predetermined timing. In this case, the payment server 100 may notify the store clerk or the user UX that the transaction using electronic money has been completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the account of the user UX.

[0026] Furthermore, the payment using the user terminal 10 may not only be a process of transferring electronic money from an account to which the user UX has previously charged electronic money to an account of the store X, but may also be, for example, a payment using a credit card previously registered by the user UX. In such a case, for example, the user terminal 10 may transfer electronic money in an amount indicated by the payment amount to the account of the store X, and may also bill the management company of the credit card of the user UX for the amount indicated by the payment amount.

[0027] Furthermore, the settlement using the user terminal 10 may not only be a process of transferring electronic money from the account of the user UX to the account of the store X, but may also be, for example, a settlement of transferring electronic money from the account of the user UX to the account of another user (i.e., a transfer between users). For example, the user terminal 10 used by the remittance source user UX reads user identification information identifying the remittance destination user (for example, user identification information displayed on a terminal device used by the remittance destination user), accepts input of the remittance amount from the user UX, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying the user UX to the settlement server 100. In such a case, the settlement server 100 may transfer electronic money in an amount indicated by the remittance amount from the account of the user UX to the account of the remittance destination user, and notify the fact that the remittance has been completed by outputting a screen or a predetermined sound indicating that the remittance has been completed on the user terminal 10 or the terminal device used by the remittance destination user.

[0028] Note that remittance using the user terminal 10 is not limited to the above-mentioned process. For example, remittance using the user terminal 10 may be performed by inputting the telephone number of the remittance destination user or information indicating the remittance destination user (for example, a user ID) into the user terminal 10. As a specific example, the user terminal 10 accepts input of the telephone number or user ID of the remittance destination user and the remittance amount from the user UX, and transmits the input telephone number or user ID, the remittance amount, and user identification information for identifying the user UX to the payment server 100. The payment server 100 then transfers electronic money in an amount indicated by the remittance amount from the account of the user UX to the account of the user linked to the transmitted telephone number or user ID.

[0029] Here, the telephone number or user ID of the remittance destination user may be linked to information about the user and registered in advance in the user application. In this case, the user terminal 10 accepts, from the user UX, the designation of the user (remittance destination) registered in the user application and the input of the remittance amount to the user, and transmits to the settlement server 100 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information for identifying the user UX.

[0030] Furthermore, for example, remittance using the user terminal 10 may be performed by providing the remittance user with link information for receiving the remittance amount. As a specific example, the user terminal 10 accepts an input of the remittance amount from the user UX, generates link information for receiving the remittance amount, and provides the link information to a terminal device used by the remittance user by sending an email including the link information or posting information including the link information on a social networking service (SNS). Then, when the remittance user selects the link information and performs a receiving operation, the settlement server 100 transfers electronic money in an amount indicated by the remittance amount from the account of the user UX to the account of the remittance user.

[0031] The above-mentioned payment means and payment services are not limited to those for providing a price (settlement of debt) for purchasing a product or providing a service. For example, as described above, the payment means and payment services may have a function related to remittance between accounts held by multiple users. That is, the above-mentioned payment means and payment services may be services that control the transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment means and payment services according to the embodiment may be provided in any form as long as they are transaction means and transaction services that execute various controls for realizing the exchange of electronic money (not only various inter-account remittance controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various claim processes such as installments and processes associated with bonus payments, and various controls related to the exchange of assets including electronic money). In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or only one of them. That is, a "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the payment server 100 may be an information processing device that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0032] (1-3. Overview of the embodiment) (1-3-1. Application for Use (Part 1)) The following is an overview of the information processing related to the transfer deposit service executed by the payment server 100. First, an overview (part 1) of the processing in response to an application to use the transfer deposit service will be described with reference to Fig. 1. Fig. 1 shows an overview of the application by a service user who wishes to transfer money other than salary using electronic money.

[0033] In the following description, the user terminal 10 may be regarded as the same as the user UX. In other words, in the following description, the user UX may be read as the user terminal 10.

[0034] As shown in FIG. 1, the payment server 100 requests the bank server 20 belonging to an affiliated bank (an example of a "financial institution") to lend a virtual account (step S11). A virtual account is a plurality of virtual accounts linked to the same bank account owned by the business operator operating the payment server 100 in the affiliated bank. Note that this virtual account does not function as a bank account, but is unique number information for identifying the transfer destination, and functions as a dedicated account for accepting various transfers. The bank server 20 lends the virtual account in response to a request from the payment server 100 (step S12). Note that the payment server 100 can borrow a predetermined volume of virtual accounts (for example, any number such as a maximum of 9,999,999 accounts) from the bank server 20 at one time.

[0035] The user UX transmits a request to create a dedicated account for transfer deposits to the payment server 100 via the top screen (eg, screen D1-1) of the user application displayed on the user terminal 10 (step S13).

[0036] When the payment server 100 receives a request to create a dedicated account for transfer from the user terminal 10, it executes allocation of a virtual account and registration of user information (step S14). For example, the payment server 100 arbitrarily assigns a virtual account selected from a plurality of unused virtual accounts among a plurality of virtual accounts previously lent by an affiliated bank as a dedicated account (virtual account) corresponding to the user UX of the account requester. Then, the payment server 100 associates and registers the account information for identifying the assigned dedicated account (virtual account) with identification information unique to the user UX, and manages it as user information. For example, the user ID that the payment server 100 assigns to each user individually when registering to use the electronic payment service can be used as the identification information unique to the user UX.

[0037] Furthermore, for the purpose of complying with legally mandated retention regulations in the money transfer business, the settlement server 100 acquires from the user UX, at the time of application, information on a refund bank account for refunding to the user UX linked to the dedicated account any amount of cash that exceeds a predetermined amount among the amount deposited to the dedicated account for depositing transfers as the transfer destination (remittance destination). The settlement server 100 associates the information on the refund bank account acquired from the user UX with the above-mentioned unique information and registers it as user information.

[0038] Once the allocation of the virtual account and the registration of the user information are completed, the payment server 100 provides the account information to the user UX by sending account information to the user terminal 10 to identify the virtual account allocated to the user UX as information on a dedicated account for transfer deposits (step S15).

[0039] Below, we will explain an example of the transition of screens displayed on the user terminal 10 in response to an application to use the transfer deposit service. Screen D1-1 shown in Fig. 1 is an example of a top screen of a user application displayed on the user terminal 10 in response to an operation of the user UX. Screen D1-1 shown in Fig. 1 has an icon OB1-1 for applying to use the transfer deposit service.

[0040] 1 is an example of a dedicated account creation request screen displayed on the user terminal 10 in response to an operation of the icon OB1-1 by the user UX. The screen D1-2 shown in FIG. 1 is provided with a button OB1-2 for sending a dedicated account creation request for transfer deposits to the payment server 100. The button OB1-2 may be configured to enter a state in which an operation from the user UX can be accepted, for example, on the condition that information on a refund account is input and that the user agrees to the terms of use and the handling of personal information.

[0041] Also, the screen D1-3 shown in FIG. 1 is an example of a response screen transmitted from the payment server 100 to the user terminal 10 in response to a request to create a dedicated account for transfers transmitted from the user terminal 10 to the payment server 100 in response to the operation of the button OB1-2 by the user UX. The screen D1-3 shown in FIG. 1 displays information about the dedicated account for transfers created by the payment server 100. The user UX notifies the transfer request destination of the information about the dedicated account for transfers. The transfer request destination makes a transfer using the dedicated account for transfers notified by the user UX as the transfer destination (remittance destination). When the payment server 100 detects that a transfer has been made to the dedicated account for transfers, it charges the electronic money account of the user UX corresponding to the dedicated account for transfers with electronic money equivalent to the amount of the deposit to the dedicated account. That is, the payment server 100 reflects the amount of the deposit in the money balance linked to the account of the user UX corresponding to the dedicated account for transfers.

[0042] (1-3-2. Application for Use (Part 2)) Hereinafter, an outline (part 2) of the processing in response to an application to use the transfer deposit service will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of an outline (part 2) of information processing according to an embodiment. Fig. 2 shows an outline of an application by a service user who wishes to have their salary transferred using electronic money. Note that the processing procedure from step S21 to step S22 shown in Fig. 2 corresponds to the processing procedure from step S11 to step S12 shown in Fig. 1, and therefore a description thereof will be omitted.

[0043] As shown in FIG. 2, the user UX transmits a request to create a dedicated account for receiving salary to the payment server 100 through a top screen (eg, screen D2-1) of the user application displayed on the user terminal 10 (step S23).

[0044] When the payment server 100 receives a request to create a dedicated account for receiving a salary from the user terminal 10, it executes allocation of a virtual account and registration of user information (step S24). For example, the payment server 100 arbitrarily assigns a virtual account selected from a plurality of unused virtual accounts among a plurality of virtual accounts previously lent by an affiliated bank as a dedicated account (virtual account) corresponding to the user UX of the account requester. Then, the payment server 100 registers the account information for identifying the assigned dedicated account (virtual account) in association with identification information unique to the user UX, and manages it as user information. For example, a user ID that the payment server 100 assigns to each user individually when registering to use the electronic payment service can be used as the identification information unique to the user UX.

[0045] In addition, the payment server 100 acquires information on predetermined necessary items from the user UX when applying for use, for the purpose of complying with the above-mentioned retention regulations and detecting errors in remittances in the name of salary. The predetermined necessary items are assumed to be the place of employment or employer, employee number, name within the company, amount to be received, and bank account for refund. Information on the place of employment or employer is assumed to be used for confirming the remittance source (remittance source) in the remittance deposit service for receiving salary. In addition, the employee number is assumed to be used as a key for confirming the identity of the remittance source in the case of an error in the remittance. In addition, the name within the company is assumed to be used for confirming the account holder specified as the remittance destination (remittance destination). In addition, it is assumed that the amount to be received is used to adjust in advance so that it does not exceed a predetermined amount. It is assumed that the bank account for refund is used as the remittance destination (remittance destination) for amounts exceeding a predetermined amount. The payment server 100 associates the predetermined information acquired from the user UX with the above-mentioned unique information and registers it as user information.

[0046] Once the allocation of the virtual account and the registration of the user information are completed, the payment server 100 provides the account information to the user UX by transmitting the account information regarding the virtual account allocated to the user UX to the user terminal 10 (step S25).

[0047] Below, we will explain an example of the transition of screens displayed on the user terminal 10 in response to an application to use the transfer deposit service for receiving salary in electronic money. Screen D2-1 shown in Fig. 2 is an example of a top screen of a user application displayed on the user terminal 10 in response to an operation of the user UX. Screen D2-1 shown in Fig. 2 has an icon OB2-1 for applying to receive salary in electronic money.

[0048] 2 is an example of a dedicated account creation request screen displayed on the user terminal 10 in response to the operation of button OB2-1 by the user UX. The screen D2-2 shown in FIG. 2 is provided with a button OB2-2 for sending a request to create a dedicated account for salary receipt to the payment server 100. The button OB2-2 may be configured to be in a state in which an operation from the user UX can be accepted, for example, on the condition that predetermined necessary items are input and that the user agrees to the terms of use and the handling of personal information.

[0049] Also, the screen D2-3 shown in FIG. 2 is an example of a response screen transmitted from the payment server 100 to the user terminal 10 in response to a request to create a dedicated account for receiving salary transmitted from the user terminal 10 to the payment server 100 in response to an operation of the button OB2-2 by the user UX. The screen D2-3 shown in FIG. 2 displays information about the dedicated account for receiving salary created by the payment server 100. Here, the payment server 100 assigns a name indicating that the account is for receiving salary (for example, "Kyuyo Branch") as the branch name of the dedicated account for receiving salary. The user UX notifies the transfer request destination of the information about the dedicated account for receiving salary. The transfer request destination transfers money using the dedicated account for receiving salary notified by the user UX as the transfer destination (remittance destination). When the payment server 100 detects a deposit from the transfer request destination to the dedicated account for receiving salary, it charges electronic money equivalent to the deposit amount to the electronic money account of the user UX corresponding to the dedicated account for receiving salary. That is, the payment server 100 reflects the deposited amount in the money balance linked to the account of the user UX corresponding to the dedicated account for receiving salary.

[0050] As described above, the payment server 100 can assign a virtual account to a user for each purpose of use, such as a transfer deposit other than salary or a transfer deposit of salary. In the example shown in Fig. 1 and Fig. 2, the payment server 100 has explained an outline of the process in which an application to use a transfer deposit service other than salary and an application to use a transfer deposit service of salary are separately accepted, but the present invention is not limited to this example. For example, after accepting an application to use the transfer deposit service, the payment server 100 may have the service user select whether the purpose of use is a transfer deposit other than salary or a transfer deposit of salary.

[0051] In addition, the virtual account that the payment server 100 assigns to the service user as a dedicated account for the transfer deposit service in response to an application for use of the transfer deposit service other than salary may be a virtual account with a validity period in which the period during which it can be used is preset. In addition, the virtual account that the payment server 100 assigns to the service user in response to an application for use of the transfer deposit service other than salary may be a one-time account. This promotes the renewal of virtual accounts and allows for effective use of virtual accounts.

[0052] In addition, when a virtual account is assigned to each service user for each purpose of use, the payment server 100 may manage the money balance for each purpose of use. For example, the payment server 100 can separately manage the money balance corresponding to the transfer deposit by the transfer deposit service for purposes other than salary shown in Fig. 1 and the money balance corresponding to the transfer deposit by the transfer deposit service for receiving salary shown in Fig. 2.

[0053] (1-4. Transfer deposit reflection process) Below, an overview of the reflection process of a transfer deposit service will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of an overview (part 3) of information processing according to an embodiment. Fig. 3 shows an overview of the processing in the information processing system 1 when service users, user UX and user UY, apply to use a transfer deposit service other than salary, and user UZ applies to use a salary transfer deposit service.

[0054] As shown in Fig. 3, when the user UX uses the transfer deposit service, the user UX notifies the transfer request destination of transfer destination information including information indicating a dedicated account for transfer deposits notified by the settlement server 100. For example, the user UX notifies the transfer request destination company A of the bank name: "ABC Bank", branch number: "123", branch name: "DEF", account type: "regular", account number indicating a virtual account: "111112", and name (of the account holder): "Tokyo Kenichi".

[0055] Furthermore, when using the transfer deposit service, user UY notifies the transfer requesting party of transfer destination information including information indicating a dedicated account for transfer deposits notified by the payment server 100. For example, user UY notifies the transfer requesting party company B of the bank name: "ABC Bank", branch number: "123", branch name: "DEF", account type: "regular", account number indicating a virtual account: "111113", and name (of the account holder): "Isho Sakurako".

[0056] Furthermore, when using the transfer deposit service, user UZ notifies the transfer requester of transfer destination information including information indicating a dedicated account for receiving salary notified by the payment server 100. For example, user UZ notifies the transfer requester's employer C of the bank name: "ABC Bank", branch number: "123", branch name: "Kyuyo Branch", account type: "regular", account number indicating a virtual account: "111111", and name (of the account holder): "Shohyojin".

[0057] When company A accepts a transfer request from user UX, it makes the transfer based on the transfer destination information notified by user UX. For example, company A transfers the amount specified by user UX from the sending bank where the company A has a bank account, to the bank (branch) account and account holder listed in the transfer destination information. Figure 3 shows an example where company A transfers cash: "￥30,000" to dedicated account number: "111112" whose account holder is "Tokyo Kenichi."

[0058] When company B accepts a transfer request from user UY, it makes the transfer based on the transfer destination information notified by user UY. For example, company B transfers the amount specified by user UX from the sending bank where the company B has a bank account, to the bank (branch) account and account holder listed in the transfer destination information. Figure 3 shows an example in which company B transfers cash: "50,000 yen" to dedicated account number: "111113" whose account holder is "Ishou Sakurako."

[0059] When Employer C accepts a request for a transfer deposit to receive salary from User UZ, the employer makes the transfer deposit based on the transfer destination information notified by User UZ. For example, Employer C transfers User UZ's salary from the sending bank where Employer C has a bank account, to the bank (branch) account and account holder listed in the transfer destination information. Figure 3 shows an example in which Employer C transfers salary: "250,000 yen" to dedicated account number: "111111", whose account holder is "Shohyojin".

[0060] The settlement server 100 executes a detection process to detect a transfer to a dedicated account (virtual account) assigned to each user individually from among multiple virtual accounts linked to the same bank account (step S31). For example, the settlement server 100 checks the balance of a bank account to which multiple dedicated accounts (virtual accounts) are linked at a predetermined timing. Then, when the balance of the corresponding bank account has increased, the settlement server 100 individually identifies the dedicated account number indicating the dedicated account (virtual account) designated as the remittance destination.

[0061] When the payment server 100 detects a deposit to a dedicated account number for a transfer, it executes a process to confirm the details of the transfer (step S32). Then, the payment server 100 executes a process according to the confirmation result of the details of the transfer (steps S33 to S35).

[0062] For example, the settlement server 100 obtains the balance of a dedicated account (virtual account) linked to a target user (e.g., user UX, user UY, user UZ, etc.) who is the remittance destination of the transfer deposit. Then, the settlement server 100 determines whether the balance of the dedicated account (virtual account) after reflecting the amount of the transfer deposit exceeds a predetermined amount.

[0063] If the balance of the dedicated account (virtual account) does not exceed the predetermined amount, the payment server 100 executes a charge process to reflect the amount of the transfer deposit in the money balance of the electronic money owned by the target user (step S33). On the other hand, if the balance of the dedicated account (virtual account) exceeds the predetermined amount, the payment server 100 executes a refund process to transfer cash in an amount equivalent to the amount exceeding the predetermined amount to a bank account linked to the target user in advance as the transfer destination (step S34).

[0064] In addition, when the detected transfer is a transfer for salary, the payment server 100 may transmit a confirmation request to the target user to confirm the transfer details (step S35). For example, when the transfer source of the transfer is different from the workplace or employer preset by the target user, the payment server 100 may transmit a confirmation notification to the user terminal 10 as to whether or not the transfer is for salary. In this case, when the payment server 100 receives confirmation from the target user, it executes a process such as charging the money balance. In addition, the payment server 100 may trace the transfer history of the target user, and when the transfer for salary is made at irregular times, it may transmit a confirmation notification to the user terminal 10 to ask the target user whether or not the transfer for salary is correct. In addition, the payment server 100 may trace the transfer history of the target user, and when the transfer for salary is continuously detected at a certain time, it may transmit a confirmation notification to the user terminal 10 to ask the target user whether or not the transfer is for salary. This can prevent the transfer deposit service from being used for the wrong purpose.

[0065] Furthermore, the payment server 100 may obtain information indicating the money balance managed as a breakdown of salary for each service user at a predetermined timing, and notify the affiliated bank. In the event that a money transfer service provider goes bankrupt, the affiliated bank may guarantee the electronic money paid as salary. In such a case, it is useful for the affiliated bank to check the balance of the electronic money paid to the user as salary, since it can grasp the amount that needs to be guaranteed.

[0066] In addition, the payment server 100 may accept the selection of the amount to be received in electronic money from the amount of the transfer deposit when applying to use the transfer deposit service for receiving a salary. In this case, the payment server 100 can process the difference obtained by subtracting the amount to be received in electronic money from the amount of the deposit to be transferred in cash to the bank account of the target user.

[0067] In addition, the operator of the payment server 100 may make an arrangement in advance with an affiliated bank to refuse to accept a transfer deposit if the amount of a single deposit (1 shot) exceeds a predetermined amount. For example, the payment server 100 transmits information indicating a predetermined amount for which the deposit to the virtual account is refused to be accepted to the bank server 20 at a predetermined timing. The predetermined amount may be set for each purpose of use (transfer deposit service).

[0068] The payment server 100 may also obtain information about a transfer deposit for which the bank server 20 has performed a process of refusing to accept the deposit into a virtual account from the bank server 20. For example, in a transfer deposit service for receiving a salary, if the amount of a one-time deposit (1 shot) exceeds a predetermined amount, the payment server 100 determines that there is a high probability that the next deposit will also exceed the predetermined amount. In this case, the payment server 100 transmits a confirmation notification to the target user linked to the virtual account that is the remittance destination of the transfer deposit, asking whether or not to continue using the transfer deposit service for receiving a salary next time. This makes it possible to prevent the affiliated bank from refusing to accept the deposit next time as well.

[0069] (1-5. Example of payment notification) Hereinafter, an example of a notification of a transfer made by the transfer service will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of a notification of a transfer made by the transfer service according to the embodiment. Fig. 4 shows an example of a deposit notification when a deposit is made to a user UX by the transfer service.

[0070] Screen D3-1 shown in Fig. 4 is an example of a top screen of a user application displayed on the user terminal 10 in accordance with an operation of the user UX. Screen D3-1 shown in Fig. 4 displays a general-purpose pop-up OB3-1 for notifying the user UX that a deposit has been made through the transfer deposit service.

[0071] Screen D3-2 shown in Fig. 4 is an example of a notification details screen displayed on the user terminal 10 in response to the operation of pop-up OB3-1 by the user UX. In Fig. 4, screen D3-2 shows an example in which detailed information corresponding to pop-up OB3-1 is displayed, such as "A deposit of 30,000 yen has been received from Company A." This allows both companies' UX to confirm that the transfer deposit service has functioned normally.

[0072] [2. Payment Server Configuration] Next, the configuration of the payment server 100 will be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of the configuration of the payment server according to the embodiment. As shown in Fig. 5, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0073] (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 the user terminal 10, the bank server 20, etc.

[0074] (Regarding the storage unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit 120 has a virtual account information storage unit 121, a user information storage unit 122, and an account information storage unit 123.

[0075] (Regarding the virtual account information storage unit 121) The virtual account information storage unit 121 stores information about virtual accounts that have been loaned from affiliated banks. Fig. 6 is a diagram showing an example of information stored in the virtual account information storage unit according to the embodiment. As shown in Fig. 6, the information about virtual accounts stored in the virtual account information storage unit 121 has a "virtual account number" field and a "status" field.

[0076] The "Virtual Account Number" field stores a unique account number for each of multiple virtual accounts linked to the same bank account owned by the business operator operating the payment server 100 at the partner bank. Note that this virtual account does not function as a bank account, but is unique number information for identifying a transfer destination (remittance destination) and functions as a dedicated account for accepting various transfers. The "Status" field stores information indicating whether the account number indicating the corresponding virtual account is in use (assigned to a service user).

[0077] For example, FIG. 5 shows that among the virtual account numbers, "111111," "111112," and "111113" are in use, while "999999" is unused.

[0078] (Regarding the user information storage unit 122) The user information storage unit 122 stores user information on service users of the transfer deposit service. FIG. 7 is a diagram showing an example of information stored in the user information storage unit according to the embodiment. As shown in FIG. 7, the user information stored in the user information storage unit has multiple items such as a "user ID" field, a "virtual account (account number)" field, a "user name" field, an "employer / place of work", an "employee number" field, an "in-company name", an "amount to be received (yen)", and an "refund bank account" field. These items in the user information are mutually associated.

[0079] The "User ID" field stores identification information unique to each user of the transfer deposit service. The "Virtual Account (Account Number)" field stores the account number information indicating the virtual account assigned to the service user. The "User Name" field stores information indicating the name of the service user.

[0080] The "Place of Work / Employer" field stores information indicating the name of the company where the service user works and the employer who employs the service user. Information on the place of work and the employer is expected to be used to confirm the source of the remittance in the remittance service for receiving wages.

[0081] The "Employee Number" field stores information indicating the employee number given to the service user at the company of the user. The employee number is expected to be used as a key to verify the identity of the sender in the event of an error in a transfer.

[0082] The "company name" field stores information indicating the name of the service user at the company. The company name is expected to be used to confirm the account holder of the account specified as the remittance destination.

[0083] The "Amount to be received (yen)" field stores information indicating the amount of salary that the service user is expected to receive from his / her workplace or employer. The amount to be received is assumed to be used to adjust the amount so that it does not exceed a predetermined amount.

[0084] The "bank account for refund" field stores information indicating a bank account owned by the service user. If the amount of a single deposit made through the transfer deposit service exceeds a specified amount, or if the balance of the virtual account after reflecting the deposit amount exceeds a specified amount, the bank account stored in the "bank account for refund" field is used as the destination for a cash refund of the amount by which the balance exceeds the specified amount. Note that information corresponding to the "place of employment / employer", "employee number", "name within the company", "amount to be received (yen)", and "bank account for refund" fields is stored when a service user applies to use the transfer deposit service to receive salary.

[0085] According to Figure 7, the account number of the virtual account for transfer deposits assigned to the service user identified by the user ID: "U001" is "111112," the name is "Tokyo Kenichi," and the "refund bank account" is "D Bank △△ Branch Regular Account ******."

[0086] (Regarding the account information storage unit 123) The account information storage unit 123 stores various information (account information) related to electronic money accounts (payment accounts) owned by service users in electronic payment services. FIG. 8 is a diagram showing an example of information stored in the account information storage unit according to the embodiment. As shown in FIG. 8, the account information stored in the account information storage unit 123 has multiple items such as an "account ID" item, an "owner ID" item, a "balance" item, and a "details" item. These items in the account information are associated with each other.

[0087] The "Account ID" field stores identification information for identifying an electronic money account (payment account). The "Owner ID" field stores identification information for identifying the owner of the electronic money account (payment account) linked to the account ID. The "Owner ID" field may store the same information as that stored in the user ID field.

[0088] The "Balance" item stores information indicating the money balance (total balance) of electronic money recorded in an electronic money account (payment account). The "Breakdown" item stores information indicating the breakdown of the money balance. Specifically, the "Breakdown" item includes a "Salary" item and a "Non-Salary" item. The "Salary" item stores information indicating the balance of digital money transferred as salary through a transfer deposit service for receiving salary. The "Non-Salary" item stores information indicating the balance of digital money transferred as non-salary through a transfer deposit service.

[0089] According to Figure 8, the owner of the electronic money account identified by "Account ID": "Account 001" is a service user identified by Owner ID: "U001", and the money balance is "100,000", all of which is non-salary.

[0090] (Regarding the control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the payment server 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 ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 130 according to the embodiment has a detection unit 131, a reflection unit 132, and a management unit 133, and these units realize or execute the functions and actions of information processing described below.

[0091] (Regarding the detection unit 131) The detection unit 131 detects a transfer to a dedicated account (virtual account) individually assigned to each service user from among multiple virtual accounts linked to the same bank account owned by a business (a business providing a transfer service) at an affiliated bank (an example of a "financial institution"). When a transfer is detected, the detection unit 131 passes to the reflection unit 132 information such as the account number indicating the dedicated account (virtual account) where the transfer was detected, the account holder of the transfer destination (remittance destination), and the amount of the deposit.

[0092] Furthermore, if the amount of a single transfer exceeds a predetermined amount, the detection unit 131 requests the affiliated bank to refuse to accept the transfer.

[0093] In addition, if the balance of the virtual account after reflecting the deposited amount exceeds a predetermined amount, the detection unit 131 transfers cash in an amount equivalent to the amount by which the balance exceeds the predetermined amount to a bank account that is pre-linked to the service user.

[0094] Furthermore, when the detected transfer is for receiving a salary, the detection unit 131 may transmit a confirmation request to the target user to confirm the details of the transfer.

[0095] (Regarding the reflection unit 132) When the detection unit 131 detects a transfer, the reflection unit 132 reflects the amount of the transfer in the money balance, which indicates the balance of electronic money owned by the service user and is pre-associated with a dedicated account (virtual account).

[0096] (Regarding Management Department 133) When the management unit 133 receives a request to create a dedicated account (virtual account) from a service user, it arbitrarily assigns a virtual account selected from a plurality of unused virtual accounts among a plurality of virtual accounts loaned in advance from an affiliated bank as a dedicated account (virtual account) corresponding to the service user who made the creation request, and manages the account information for identifying the assigned dedicated account (virtual account) in association with identification information unique to the service user (e.g., a user ID).

[0097] Furthermore, the management unit 133 may allocate a dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account) (such as depositing money other than salary or receiving salary).

[0098] Furthermore, if the purpose of use is not to receive a salary, the management unit 133 may allocate a dedicated account (virtual account) with a pre-set usable period.

[0099] Furthermore, the management unit 133 may manage the money balance linked to the dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account).

[0100] [3. Example of processing procedure] (3-1. Account allocation process) Hereinafter, a description will be given of an example of a processing procedure in the payment server 100 according to the embodiment. Fig. 9 is a flowchart showing an example of a processing procedure of an account allocation process executed by the payment server according to the embodiment.

[0101] 9, the management unit 133 receives a request to create a dedicated account for the transfer deposit service (step S101). In addition, the management unit 133 receives the necessary items for account creation along with the reception of the request to create the dedicated account (step S102).

[0102] In addition, the management unit 133 arbitrarily assigns a virtual account selected from among the multiple unused virtual accounts stored in the virtual account information storage unit 121 as a dedicated account (virtual account) corresponding to the service user who requested the creation of the virtual account (step S103).

[0103] In addition, the management unit 133 associates the account information for identifying the dedicated account (virtual account) assigned in step S103 with identification information unique to the service user (e.g., a user ID) and registers them in the user information storage unit 122 (step S104).

[0104] Furthermore, management unit 133 notifies the service user who requested the creation of the account of information related to the account to be created (step S105), and ends the processing procedure shown in FIG.

[0105] (3-2. Transfer deposit reflection process) FIG. 10 is a flowchart illustrating an example of a processing procedure for a reflection process of a transfer amount executed by the settlement server according to the embodiment.

[0106] As shown in FIG. 10, the detection unit 131 detects a transfer to a bank account linked to a virtual account (dedicated account) (step S201).

[0107] The reflection unit 132 checks the transfer details detected in step S201 (step S202). Then, the reflection unit 132 executes a process according to the transfer details checked in step S202 (step S203), and ends the processing procedure shown in FIG.

[0108] 4. Modifications (4-1. Recycling of Virtual Accounts) In the above embodiment, the settlement server 100 may cancel the allocation of the dedicated accounts (virtual accounts) that are in use and are not used for the transfer deposit service for a certain period of time to the service user, and may make them unused. In addition, the settlement server 100 may cancel the allocation only to the dedicated accounts for the transfer deposit service other than salary among the dedicated accounts (virtual accounts) that are in use.

[0109] (4-2. Configuration of Information Processing System 1) In the above embodiment, an example has been described in which the payment server 100 included in the information processing system 1 performs processing related to the electronic payment service and processing related to the transfer deposit service. However, the configuration of the information processing system 1 according to the embodiment does not need to be particularly limited to such an example, and the server device performing processing related to the electronic payment service and the server device performing processing related to the transfer deposit service may be physically separate servers, or each server device may belong to a different system. In this case, each server device is connected to be able to communicate with each other in a state in which information required for each process can be exchanged with each other.

[0110] In addition, 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 by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0111] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0112] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0113] 5. Effects As described above, the payment server 100 according to the embodiment includes the detection unit 131 and the reflection unit 132. The detection unit 131 detects a transfer to a virtual account individually assigned to each user from among a plurality of virtual accounts linked to the same account owned by the business operator at an affiliated financial institution. When a transfer is detected, the reflection unit 132 reflects the amount of the transfer to the money balance indicating the balance of electronic money owned by the user that is associated in advance with the virtual account. have

[0114] As a result, the payment server 100 according to the embodiment can provide the service user with a scheme for receiving salary in electronic money without imposing a burden on the payer of the salary, and can promote the use of digital payment of salary. In addition, the scheme provided to the service user by the payment server 100 according to the embodiment makes it possible to easily receive various deposits other than salary in electronic money, so that the advantage of electronic money can be further enhanced.

[0115] Furthermore, in the payment server 100 according to the embodiment, when the amount of a single deposit exceeds a predetermined amount, the detection unit 131 requests the financial institution to refuse to accept the transfer deposit.

[0116] In addition, in the payment server 100 according to the embodiment, when the money balance after reflecting the deposited amount exceeds a predetermined amount, the detection unit 131 transfers cash in an amount equivalent to the amount by which the balance exceeds the predetermined amount to a bank account that is linked to the service user in advance.

[0117] As a result, the payment server 100 according to the embodiment can establish a scheme that complies with the retention regulations in the money transfer business, which are mandated by law.

[0118] In addition, the payment server 100 according to the embodiment further has a management unit 133 that, when receiving a request to create a dedicated account (virtual account) from a service user, arbitrarily assigns a virtual account selected from a plurality of unused virtual accounts among a plurality of virtual accounts loaned in advance from a financial institution as a dedicated account (virtual account) corresponding to the service user who made the creation request, and associates and manages account information for identifying the assigned dedicated account (virtual account) with identification information unique to the service user.

[0119] In addition, in the payment server 100 according to the embodiment, the management unit 133 assigns a virtual account for each purpose of use of the dedicated account (virtual account). This allows the payment server 100 according to the embodiment to appropriately manage various information related to the service users who use the remittance deposit service.

[0120] In addition, in the payment server 100 according to the embodiment, the management unit 133 assigns a virtual account with a pre-set usable period when the purpose of use is not salary receipt. This allows the payment server 100 according to the embodiment to promote the renewal of virtual accounts and promote effective use of virtual accounts.

[0121] In addition, in the payment server 100 according to the embodiment, the management unit 133 manages the money balance linked to the virtual account for each purpose of use. This allows the payment server 100 according to the embodiment to appropriately manage the money balance of the service user who uses the transfer deposit service.

[0122] [6. Hardware Configuration] The payment server 100 according to the present embodiment described above is realized, for example, by a computer 1000 having a configuration as shown in Fig. 11. Fig. 11 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server according to the embodiment.

[0123] The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0124] The CPU 1100 operates and controls each unit based on a program stored in the ROM 1300 or the HDD 1400. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, programs that depend on the hardware of the computer 1000, and the like.

[0125] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a communication network 500 (corresponding to the network N in the embodiment) and sends the data to the CPU 1100, and also transmits data generated by the CPU 1100 to other devices via the communication network 500.

[0126] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs data generated via the input / output interface 1600 to the output devices.

[0127] The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0128] For example, when the computer 1000 functions as the payment server 100, the CPU 1100 of the computer 1000 executes a program loaded on the RAM 1200 to realize the function of the control unit 130. That is, the CPU 1100 realizes the processing by the payment server 100 according to this embodiment in cooperation with a program (e.g., an information processing program) loaded on the RAM 1200. In addition, the HDD 1400 stores each data in the storage device of the payment server 100. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be obtained from another device via a predetermined communication network.

[0129] [7. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0130] Further, the above-mentioned payment server 100 can be flexibly changed in configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0131] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, a control unit may be read as control means or a control circuit. [Explanation of symbols]

[0132] 1. Information Processing Systems 10 User terminal 20 Bank Server 100 Payment Server 110 Communications Department 120 Storage section 121 Virtual Account Information Storage Unit 122 User information storage unit 123 Account information storage unit 130 Control section 131 Detection unit 132 Reflection section 133 Management Department

Claims

1. a detection unit that detects a transfer into a virtual account that is individually assigned to a user of the transfer deposit service in association with user identification information for identifying the user, from among a plurality of virtual accounts linked to the same account held by the business operator at an affiliated financial institution; a reflection unit that reflects the amount of the transfer deposit in the balance of electronic money owned by the user, which is previously associated with the virtual account by the user identification information and which can be used in an electronic settlement service that provides the transfer deposit service, when the transfer deposit is detected; 13. An information processing apparatus comprising: a control unit having:

2. The control unit: When transaction information is received from a user terminal used by the user, electronic money equivalent to the payment amount is withdrawn from the money balance of the account linked to the user identification information based on the user identification information included in the transaction information, store identification information identifying the store that is the provider of the transaction object, and the payment amount, and the electronic money is transferred to the account linked to the store identification information.

2. The information processing apparatus according to claim 1,

3. The control unit: Notify the user that a deposit has been made through the transfer deposit service.

2. The information processing apparatus according to claim 1,

4. The user identification information is A user ID that is assigned to the user individually when registering for the electronic payment service.

2. The information processing apparatus according to claim 1,

5. The control unit is The difference between the deposit amount and the amount received in electronic money is transferred to the user's bank account.

5. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

6. The control unit is If the amount of the transfer deposit reflected in the virtual account exceeds a predetermined amount, an amount equivalent to the amount exceeding the predetermined amount is transferred to an account linked to the user.

6. The information processing apparatus according to claim 5,

7. The control unit is When applying to use the virtual account, if the amount of the transfer deposit reflected in the virtual account exceeds a predetermined amount, cash is transferred to a refund destination bank account registered in advance by the target user linked to the virtual account in which the transfer deposit was detected, in an amount equivalent to the amount exceeding the predetermined amount.

7. The information processing apparatus according to claim 6,

8. The control unit is When a transfer of a salary to the virtual account is detected, electronic money showing the breakdown of the salary is charged, Acquire information indicating the money balance of the virtual account for each user and notify the affiliated financial institution.

5. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

9. The control unit is When a transfer of salary to a virtual account is detected, electronic money showing the breakdown of the salary is charged, On the condition that there is a difference between the information on the payroll transfer source registered in advance by the target user linked to the virtual account and the information on the transfer source of the transfer deposit, a confirmation notification as to whether or not there is an error in the deposit for receiving the payroll is sent to the user terminal used by the target user.

5. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

10. The control unit is The information on the amount of the transfer and the information on the source of the transfer are notified to the user through an application for a user terminal used by the user.

5. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

11. 1. A computer-implemented information processing method, comprising: a detection step of detecting a transfer into a virtual account individually assigned to a user of the transfer deposit service in association with user identification information for identifying the user from among a plurality of virtual accounts linked to the same account held by the business operator at an affiliated financial institution; a reflection step of reflecting the amount of the transfer deposit in the balance of electronic money owned by the user, which is previously associated with the virtual account by the user identification information and which can be used in an electronic settlement service that provides the transfer deposit service, when the transfer deposit is detected; 2. An information processing method comprising the steps of:

12. On the computer, a detection step of detecting a transfer into a virtual account that is individually assigned to a user of the transfer deposit service in association with user identification information for identifying the user from among a plurality of virtual accounts linked to the same account held by the business operator at an affiliated financial institution; a reflection step of reflecting the amount of the transfer deposit in the balance of electronic money owned by the user, which is previously associated with the virtual account by the user identification information and is available for use in an electronic settlement service that provides the transfer deposit service, when the transfer deposit is detected; 2. An information processing program for executing a control procedure having the steps:

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