Information processing device, information processing method, information processing program, and information processing system

Abstract

To ensure adequate protection of users in a service related to digital payment of salaries.SOLUTION: An information processing device has an execution unit and a request unit. Based on the status of a user account held by a user in an electronic payment service, the execution unit executes functional restriction of an electronic wallet associated with the user account. When the functional restriction of the electronic wallet is executed, the request unit requests another device that manages a virtual account associated with the electronic wallet to change the status of the virtual account.SELECTED DRAWING: Figure 3

Description

[Technical field]

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

[0002] Recently, the government has begun to consider introducing a so-called "digital salary payment" system, which would allow money transfer businesses to pay salaries using digital money such as the above-mentioned electronic money and virtual currency. In connection with this, technologies related to the digital payment of salaries have also been proposed. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-151873 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned conventional technologies have room for improvement in terms of adequately protecting users in services related to digital salary payments.

[0005] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, an information processing program, and an information processing system that can provide appropriate protection for users in services related to digital payment of wages. [Means for solving the problem]

[0006] The information processing device according to the present application is an information processing device that executes processing related to an electronic payment service provided to a user through an online system, and includes an execution unit and a request unit. The execution unit executes functional restrictions on an electronic wallet linked to a user account based on the status of the user account held by the user in the electronic payment service. When the request unit executes functional restrictions on the electronic wallet, it requests another device that manages a virtual account associated with the electronic wallet to change the status of the virtual account. Effect of the Invention

[0007] According to one aspect of the embodiment, it is possible to provide an effect of providing appropriate protection to users in services related to digital payment of wages. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an overall picture of information processing in a transfer service according to an embodiment. [Diagram 2] FIG. 2 is a diagram showing an overview of information processing according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a usage history stored in a usage history database according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of user management information stored in a user management database according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of the configuration of an associated bank server according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of customer management information stored in a customer management database according to the embodiment. [Figure 8] FIG. 8 is a flowchart illustrating an example of a processing procedure of the information processing (part 1) executed by the payment server according to the embodiment. [Figure 9]FIG. 9 is a flowchart illustrating an example of a processing procedure of the information processing (part 2) executed by the payment server according to the embodiment. [Figure 10] FIG. 10 is a flowchart illustrating an example of a processing procedure of the information processing (third part) executed by the payment server according to the embodiment. [Figure 11] FIG. 11 is a flowchart illustrating an example of a processing procedure of information processing executed by the associated bank server according to the embodiment. [Figure 12] FIG. 12 is a diagram showing an example of user management information according to the modified example. [Figure 13] FIG. 13 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server and the associated bank server according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, the information processing device, the information processing method, the information processing program, and the information processing system 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, the information processing program, and the information processing system 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 are omitted.

[0010] 1. Embodiment The information processing implemented by the information processing device according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an overview of the information processing according to the embodiment. In Fig. 1, the information processing according to the embodiment is implemented by a payment server 100 and an associated bank server 200, which are examples of the information processing device according to the embodiment.

[0011] (1-1. Overview of information processing and transfer service according to the embodiment) The overall picture of information processing in the transfer service according to the embodiment will be described below. Fig. 1 is a diagram showing the overall picture of information processing in the transfer service according to the embodiment.

[0012] As shown in FIG. 1, a transfer service according to an embodiment is provided by a service provider X and a bank Y. Bank Y is an example of a financial institution, and may be a financial institution other than a bank. Service provider X operates a business of providing users with an electronic payment service related to electronic payments. For example, the electronic payment service corresponds to a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment.

[0013] In addition, service provider X provides a transfer service as one of the linked services linked to the electronic payment service. The transfer service is a service that enables users to receive various funds in electronic money through transfers with a virtual account (also called a virtual account) as the receiving bank account. When providing the transfer service to a user, service provider X uniquely associates a virtual account arbitrarily selected from multiple virtual accounts borrowed from bank Y with an electronic wallet held by the user in the electronic payment service. Service provider X then notifies the user of the virtual account associated with the electronic wallet. By notifying the transfer source of the virtual account notified by the service provider as the transfer destination, the user can receive various funds in electronic money through a bank transfer to the virtual account and via the electronic wallet.

[0014] Bank Y operates a business that provides various financial services to businesses such as service provider X. As one of its various financial services, Bank Y provides a service of lending virtual accounts to service provider X.

[0015] In addition, in the transfer service according to the embodiment, a system for providing the transfer service to users is managed by the service provider X, and a system for providing the virtual account for executing the transfer service to the provider is managed by the bank Y. In this way, the transfer service according to the embodiment is realized by asynchronous systems with different management entities. In addition, from the viewpoint of protecting users, such as preventing fraudulent use of the transfer service, there may be cases where the transfer service restricts deposits to the electronic wallet held by the user. In this case, unless the state of the electronic wallet held by the user and the state of the virtual account associated with the electronic wallet are well linked, the user of the transfer service may not be properly protected. For example, even if the acceptance of deposits to the electronic wallet is suspended, a situation may occur in which a transfer is made to the virtual account corresponding to the electronic wallet. Therefore, in the information processing according to the embodiment, the state of the electronic wallet held by the user and the state of the virtual account associated with the electronic wallet are well linked to each other, thereby providing proper protection for the user of the transfer service.

[0016] For example, as shown in Figure 1, service provider X monitors, through a payment system, the status of various transactions (payments / remittances / withdrawals) carried out between user accounts held by users of the electronic payment service and affiliated stores that have implemented the electronic payment service.

[0017] The service provider X also analyzes the monitoring results based on the payment system and a user management DB (Data Base) (Step S01). The service provider X also executes account control to control the user account based on the analysis results (Step S02). The account control corresponds to a process related to functional restrictions on the electronic wallet held by the user to use the electronic payment service, which will be described in detail later.

[0018] Furthermore, in accordance with the result of the account control, the service provider X requests, for example, through a linkage system linking with the bank Y, that receipt of funds be suspended for the virtual account associated with the electronic wallet that has become the subject of the control (step S03).

[0019] In response to the request for suspension of receipt of funds received from the service user, Bank Y changes the status of the target virtual account to a transaction suspension state (Step S04).

[0020] On the other hand, the sender makes a new transfer request from the sender's account at the source financial institution (step S05). The source financial institution sends the transfer request to the financial institution with the sender's account as the source of the transfer (step S06).

[0021] Bank Y acquires the transfer request to be processed from the transfer DB. Bank Y then refers to the management DB and detects, for example, that the status of the virtual account included as the transfer destination in the transfer request is in a suspended state (step S07). In this case, Bank Y returns a transfer NG message to the transfer request received from the transfer source financial institution, indicating that the transfer will not be completed (step S08).

[0022] The transfer originating financial institution returns a "No" message to the transfer requester to inform them that the transfer is not successful (step S09). This completes the series of information processing steps that are performed when a transfer is not successful in the transfer service.

[0023] (1-2. System Configuration) Hereinafter, the information processing according to the embodiment will be specifically described. First, before describing the information processing according to the embodiment, an example of the configuration of the information processing system SYS will be described with reference to Fig. 2. Fig. 2 is a diagram showing an overview of the information processing according to the embodiment.

[0024] As shown in FIG. 2, the information processing system SYS according to the embodiment includes a payment server 100 and an associated bank server 200, which are examples of information processing devices according to the embodiment. In the case shown in FIG. 2, the payment server 100 functions as a first device that executes processing related to an electronic payment service provided to a user through an online system, and the associated bank server 200 functions as a second device that manages a virtual account linked to a user of the electronic payment service. The payment server 100 and the associated bank server 200 are connected to each other via a network N (see, for example, FIG. 3) in a wired or wireless manner so as to be able to communicate with each other. The network N is, for example, a Wide Area Network (WAN) such as the Internet. Note that the configuration of the information processing system SYS shown in FIG. 2 is an example, and may include other devices such as a terminal device used by a user of the electronic payment service.

[0025] The payment server 100 shown in Fig. 2 is an information processing device that executes information processing according to the embodiment. The payment server 100 is typically a server device, but may be realized by a mainframe, a workstation, or the like. When the payment server 100 is realized by 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 payment server 100 is operated and managed by a business operator that provides users with electronic payment services related to electronic payments.

[0026] The payment server 100 executes various information processes related to electronic payment services, for example. Specifically, the payment server 100 distributes an application program for users (hereinafter, appropriately referred to as a "payment application") for implementing code payment to general consumers who are users. When the payment server 100 receives a transaction request from the payment application via an interface dedicated to the payment application, the payment server 100 executes information processes including a remittance process of electronic money between accounts according to the transaction request. The payment application transmits transaction information including information such as the payment destination, the payment source, and the 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 (i.e., a timestamp) for identifying the date and time when the transaction was performed.

[0027] The payment server 100 also executes various information processes related to the above-mentioned transfer service. For example, the transfer service allows users to receive their salary and various funds other than their salary in electronic money by transferring money to a bank account via a virtual account. The transfer service may be configured as a mini-app launched within a payment app for implementing code payment, or may be configured as a unique application program prepared independently of the payment app.

[0028] The associating bank server 200 shown in Figure 2 is an information processing device that executes information processing according to the embodiment. The associating bank server 200 is typically a server device, but may be realized by a mainframe, a workstation, or the like. Furthermore, when the associating bank server 200 is realized by 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 associating bank server 200 is operated and managed by a bank as a business that provides various financial services to businesses such as service provider X (see Figure 1, for example).

[0029] The associated bank server 200 executes banking operations such as remittance and transfer in response to instructions from each user. The associated bank server 200 also manages information on withdrawals from bank accounts by each card company or various service providers (e.g., amount withdrawn, date and time of withdrawal, etc.) and account information including current account balance, etc., in association with the account holder, as a history of bank account usage.

[0030] As one of various financial services, the associated bank server 200 provides a service of lending virtual accounts linked to real accounts to businesses that hold real accounts at the bank itself. For example, it is an information processing device belonging to Bank Y that manages bank accounts opened by applicants such as companies that employ service users, and is realized by a server device, a cloud system, etc.

[0031] (1-3. About the money transfer service) The following describes a transfer service that the payment server 100 provides to a user of an electronic payment service in response to a request from the user. When the payment server 100 accepts a registration request for the transfer service from a user through a payment app or the like, it assigns a virtual account to the user and registers the user information. For example, the payment server 100 arbitrarily selects an unused virtual account from among multiple virtual accounts borrowed in advance from a cooperating bank, and registers the account information (account number) for identifying the selected virtual account in association with identification information unique to the user. Note that the payment server 100 can use, for example, a user ID that the payment server 100 assigns to each user individually when registering to use the electronic payment service, as the identification information unique to the user.

[0032] In addition, in registering user information, the payment server 100 may obtain from the user information on a bank account for refunding to the user any amount of cash that exceeds a predetermined amount among the amount deposited in the bank account via the virtual account, for the purpose of complying with the retention regulations required by law for the money transfer business. In this case, the payment server 100 registers the information on the bank account for refund obtained from the user in association with the above-mentioned unique information.

[0033] The payment server 100 also provides the user with account information by transmitting account information (account number) for identifying a virtual account for the transfer service to a terminal device used by the user. The user notifies a transfer request destination such as an employer of the account information provided by the payment server 100 as a transfer destination for salary, various expenses, etc. The transfer request destination such as an employer that receives the account information from the user transfers, for example, salary, various expenses, etc., from a bank account it owns to this account information as the transfer destination (remittance destination). When the payment server 100 detects a deposit to the virtual account, it deposits (also called recharge or balance addition) electronic money equivalent to the deposit amount to the virtual account into the electronic wallet (electronic money account) of the user to which the virtual account is assigned. In this way, by notifying the transfer request destination of the account information, the user can receive the user's salary and various funds other than salary in electronic money through a transfer to a bank account via the virtual account.

[0034] (1-4. Information Processing According to the Embodiment) Hereinafter, the information processing according to the embodiment will be specifically described with reference to Fig. 2. As shown in Fig. 2, the payment server 100 restricts the functions of the electronic wallet held by the user based on the service usage status of the user (step S11). For example, the payment server 100 monitors the service usage status linked to the user's user account and judges whether the service usage status is in a predetermined state. The predetermined state may be a state where an unnatural transaction such as money laundering is suspected, or a state where a user account is suspected of being hijacked.

[0035] In addition, the function restriction of the electronic wallet is expected to include the suspension of the deposit function for the electronic wallet, etc. In addition, when suspending the deposit function for the electronic wallet, the payment server 100 may suspend only the deposit function performed through depositing money into a virtual account, and may keep the deposit function performed by a deposit means other than depositing money into a virtual account, for example, a credit card or other bank account, in an active state.

[0036] When the payment server 100 restricts the functions of the electronic wallet, it registers information on the functional restrictions of the electronic wallet of the target user in the user management database 122. For example, the payment server 100 registers "deposit suspended" as the wallet status in association with a user ID for identifying the target user.

[0037] When the payment server 100 restricts the functions of the electronic wallet, it transmits a request to suspend transactions of the virtual account of the target user to the associated bank server 200 (step S12). For example, the request to suspend transactions includes a customer ID, which is identification information that can uniquely identify the service provider X between bank Y and service provider X, and the account number of the virtual account to be suspended (i.e., the virtual account assigned to the target user).

[0038] When the associating bank server 200 receives a transaction suspension request for a virtual account from the settlement server 100, it changes the status of the target virtual account to a transaction suspension state in accordance with the received transaction suspension request for the virtual account (step S13). For example, the associating bank server 200 identifies a virtual account associated with the customer ID "BC#111" included in the transaction suspension request from the customer management information stored in the customer management database 221. Then, the associating bank server 200 registers "transaction suspension" as the status of the virtual account corresponding to the account number "V111111" included in the transaction suspension request among the identified virtual accounts.

[0039] In this way, the payment server 100 and the associated bank server 200 can provide appropriate protection to users of the transfer service by effectively coordinating the state of the electronic wallet held by the user with the state of the virtual account associated with the electronic wallet.

[0040] Furthermore, when the payment server 100 deletes a user account in response to a request from a user, the payment server 100 may transmit a request to freeze the virtual account associated with the electronic wallet held by the user to the associating bank server 200. In this case, the associating bank server 200 updates the management information stored in the customer management database 221 in accordance with the virtual account freeze request received from the payment server 100. For example, the associating bank server 200 registers "frozen state" as the status of the target virtual account.

[0041] Furthermore, when the payment server 100 releases the functional restrictions on the electronic wallet in accordance with predetermined conditions, it may transmit a request to resume transactions for the virtual account to the associating bank server 200. Furthermore, when transmitting the request to resume transactions for the virtual account to the associating bank server 200, the payment server 100 may specify a date for resuming transactions. The associating bank server 200 updates the management information stored in the customer management database 221 in accordance with the request to resume transactions for the virtual account received from the payment server 100. For example, the associating bank server 200 registers "normal transaction" as the status of the target virtual account.

[0042] In addition, when the associating bank server 200 receives a transfer request for a virtual account in a transaction suspension state, the associating bank server 200 may execute error processing for the transfer source of the transfer request and notify the settlement server 100 that the error processing has been performed. For example, the notification that the payment server 100 has received from the associating bank server 200 that the error processing has been performed may include the virtual account number. In this case, the settlement server 100 may obtain a user account linked to the virtual account number received from the associating bank server 200 and notify the terminal device of the user who holds the corresponding user account that the account transfer has resulted in an error via a payment app installed on the terminal device. At this time, the settlement server 100 may also notify the status of the virtual account. In this way, the settlement server 100 can make the user linked to the virtual account know that a transfer attempt has been made from a person other than the user linked to the virtual account to the virtual account whose status is in a transaction suspension state.

[0043] [2. Equipment configuration] (2-1. Payment Server Configuration) Hereinafter, the configuration of the payment server 100 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the payment server 100 according to the embodiment. As shown in Fig. 3, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0044] (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 associated bank server 200.

[0045] (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. 3, the storage unit 120 has a usage history database 121 and a user management database 122.

[0046] (Regarding Usage History Database 121) The usage history database 121 stores service usage history such as the payment history and deposits and withdrawals of users of electronic payment services. FIG. 4 is a diagram showing an example of usage history stored in the usage history database 121 according to an embodiment. As shown in FIG. 4, the service usage history stored in the usage history database 121 has fields for "user ID," "payment history," and "deposit and withdrawal history." These fields in the service usage history are associated with each other.

[0047] The "User ID" field stores a user ID, which is a unique identification given to each user to uniquely identify the user in the electronic payment service. The "Payment History" field stores information regarding the payment history of code payments performed by the user. The "Deposit / Withdrawal History" field stores information regarding the deposit history to the electronic wallet held by the user, and information indicating the withdrawal history (including remittance history) from the electronic wallet.

[0048] The service usage history stored in the usage history database 121 is used by the execution unit 131, which will be described later, to determine the service usage status.

[0049] (Regarding user management database 122) The user management database 122 stores user management information for managing users of the transfer service. Fig. 5 is a diagram showing an example of user management information stored in the user management database 122 according to the embodiment.

[0050] 5, the user management information stored in the user management database 122 has the following items: “User ID,” “Account Information,” “Wallet Status,” and “Virtual Account Number.” These items in the user management information are associated with each other.

[0051] The "user ID" field stores a user ID, which is unique identification information given to each user of the transfer service to uniquely identify the user. For example, the user ID stored in the "user ID" field of the information on the distribution setting is the same information as the user ID stored in the "user ID" field of the usage history stored in the above-mentioned usage history database 121.

[0052] The "Account Information" item stores information about the user account of the user of the transfer service. The information about the user account includes login information for logging in to the transfer service (including, for example, login ID and password), and personal information such as the user's name, address, telephone number, and email address.

[0053] The "electronic wallet" item stores information indicating the status of an electronic wallet held by a user in an electronic payment service. The status of an electronic wallet includes states such as "deposit suspended" and "active." "Deposit suspended" indicates a state in which deposits to an electronic wallet, which are made through deposits to a virtual account, have been suspended. "Active" indicates a state in which deposits and withdrawals to an electronic wallet are functioning normally. Note that the state of the electronic wallet shown in FIG. 5 is an example, and other states such as "withdrawal suspended" may be included.

[0054] The "virtual account number" field stores information indicating a unique account number assigned to a virtual account in order to uniquely identify the virtual account associated with the electronic wallet.

[0055] (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 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 application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[0056] As shown in Fig. 3, the control unit 130 has an execution unit 131 and a request unit 132, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may have new functional units different from the units shown in Fig. 3 in response to the extension of various processes executed by the payment server 100.

[0057] (Regarding the executive unit 131) The execution unit 131 executes the function restriction of the electronic wallet linked to the user account based on the status of the user account held by the user in the electronic payment service. For example, the execution unit 131 may execute the function restriction of the electronic wallet when the service usage status linked to the user account is in a predetermined state.

[0058] Furthermore, the execution unit 131 may suspend deposits to the electronic wallet as one of the functional restrictions of the electronic wallet. Furthermore, when suspending deposits to the electronic wallet, the execution unit 131 may suspend only deposits made through deposits to a virtual account, and may maintain deposits made by deposit means other than deposits to a virtual account (for example, bank transfers using a real account or credit cards) in a valid state. For example, when a user cancels a transfer service using a virtual account, it is possible to maintain deposits made by deposit means other than deposits to a virtual account in a valid state. Furthermore, the execution unit 131 may delete a user account in response to a request from a user.

[0059] Furthermore, when the execution unit 131 receives a notification from the associated bank server 200 that an error process has been performed on the transfer source of a transfer request to a virtual account in a suspended transaction state, the execution unit 131 may notify a terminal device of a user who holds a user account linked to the virtual account number, which is information received together with the error process and is unique identification information assigned to the virtual account, that the transfer request to the virtual account has resulted in an error, via a payment app installed on the terminal device. For example, the execution unit 131 transmits notification information that the transfer request to the virtual account has resulted in an error to the terminal device 10 via the communication unit 110.

[0060] (Regarding the request unit 132) When the request unit 132 restricts the functions of the electronic wallet, it requests the associated bank server 200, which manages the virtual account associated with the electronic wallet, to change the state of the virtual account. For example, when the execution unit 131 restricts the functions of the electronic wallet, the request unit 132 may transmit a request to the associated bank server 200 via the communication unit 110 to suspend transactions of the virtual account.

[0061] Furthermore, when the function restrictions on the electronic wallet are lifted by the execution unit 131, the request unit 132 may transmit a request to resume transactions for the virtual account to the associated bank server 200 via the communication unit 110. Furthermore, when transmitting the request to resume transactions for the virtual account, the request unit 132 may specify a date for resuming transactions.

[0062] In addition, when the execution unit 131 deletes a user account, the request unit 132 may transmit a virtual account freezing request to the associated bank server 200 via the communication unit 110.

[0063] (2-2. Configuration of affiliated bank server) The configuration of the associating bank server 200 according to the embodiment will be described below with reference to Fig. 6. Fig. 6 is a diagram showing an example of the configuration of the associating bank server 200 according to the embodiment. As shown in Fig. 6, the associating bank server 200 has a communication unit 210, a storage unit 220, and a control unit 230.

[0064] (Regarding communication unit 210) The communication unit 210 is realized by, for example, a network interface card (NIC) etc. The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the payment server 100.

[0065] (Regarding the storage unit 220) The storage unit 220 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. 6, the storage unit 220 has a customer management database 221.

[0066] (About Customer Management Database 221) The customer management database 221 stores customer management information on customers who are using virtual accounts provided by Bank Y. Fig. 7 is a diagram showing an example of customer management information stored in the customer management database 221 according to the embodiment.

[0067] 7, the customer management information stored in the customer management database 221 has the following items: "customer ID," "real account number," "virtual account number," and "account status." These items in the customer management information are mutually associated.

[0068] The "Customer ID" field stores a customer ID, which is unique identification information given to each customer to uniquely identify the customer using the virtual account. The "Real Account Number" field stores information indicating a unique account number given to the virtual account to uniquely identify the actual bank account that each customer holds at Bank Y. The virtual account that the customer is using is linked to the actual bank account that the customer holds.

[0069] The "Virtual Account Number" field stores information indicating a unique account number assigned to a virtual account in order to uniquely identify the virtual account being used by each customer. The "Account Status" field stores information indicating the status of the virtual account. For example, information indicating the status of a virtual account includes states such as "transaction suspended" and "normal trading." "Transaction suspended" indicates a state in which transactions through the virtual account are suspended. "Normal trading" indicates a state in which all transactions through the virtual account are possible.

[0070] (Regarding the control unit 230) The control unit 230 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 associated bank server 200 using a RAM as a working area. The control unit 230 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).

[0071] As shown in Fig. 6, the control unit 230 has an account management unit 231, and realizes or executes the functions and actions of information processing described below. Note that the control unit 230 may be provided with new functional units different from those shown in Fig. 6 in response to the expansion of various processes executed by the associated bank server 200.

[0072] (Regarding Account Management Unit 231) When the account management unit 231 receives a request to change the status of a virtual account through the communication unit 210 from the settlement server 100 that executes processing related to electronic settlement services, the account management unit 231 changes the status of the target virtual account according to the content of the received change request. For example, when the account management unit 231 receives a request to suspend a transaction for a virtual account from the settlement server 100, the account management unit 231 changes the status of the target virtual account to a suspended state according to the received request to suspend the transaction for the virtual account. Specifically, the account management unit 231 identifies a virtual account associated with the customer ID included in the suspension request from the customer management information stored in the customer management database 221. Then, the account management unit 231 registers "suspended transaction" as the status of the virtual account corresponding to the account number included in the suspension request among the identified virtual accounts.

[0073] Furthermore, when the account management unit 231 receives a transfer request for a virtual account in a transaction suspension state, it may execute error processing for the transfer source of the transfer request and notify the settlement server 100 that the error processing has been performed. For example, the account management unit 231 refers to the customer management information stored in the customer management database 221 and checks the status of the virtual account that is the transfer destination of the transfer request received through the communication unit 210. Then, when the virtual account that is the transfer destination of the transfer request is in a transaction suspension state, the account management unit 231 transmits error information (for example, transfer NG) to the transfer source of the transfer request, indicating that the transfer cannot be accepted, through the communication unit 210. Furthermore, the account management unit 231 transmits notification information to the payment server 100, through the communication unit 210, indicating that the error information has been transmitted to the transfer source of the transfer request for the virtual account. Note that the notification information may include the virtual account number that was the transfer destination of the transfer request. In other words, when notifying that error processing has been performed, the account management unit 231 may also notify the virtual account number, which is unique identification information assigned to the virtual account to uniquely identify the virtual account.

[0074] [3. Example of processing procedure] (3-1. Processing by the payment server (part 1)) Hereinafter, an example of the processing procedure of information processing executed in the information processing system according to the embodiment will be described. First, an example of the processing procedure of information processing (part 1) executed by the payment server 100 according to the embodiment will be described with reference to FIG. 8. FIG. 8 is a flowchart showing an example of the processing procedure of information processing (part 1) executed by the payment server 100 according to the embodiment. Note that the processing procedure shown in FIG. 8 is executed by the control unit 130 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 8 while the payment server 100 is operating.

[0075] As shown in FIG. 8, the execution unit 131 determines whether or not the service usage situation of the target user is in a predetermined state (step S101).

[0076] When the execution unit 131 determines that the service usage status of the target user is in a predetermined state (step S101; Yes), it executes the function restriction of the electronic wallet linked to the user account of the target user (step S102).

[0077] In addition, the request unit 132 sends a request to suspend transactions for the virtual account associated with the electronic wallet on which the functional restriction has been executed to the associated bank server 200 via the communication unit 110 (step S103), and ends the processing procedure shown in Figure 8.

[0078] In the above-mentioned step S101, when the execution unit 131 determines that the service usage situation of the target user is not in a predetermined state (step S101; No), the processing procedure shown in FIG. 8 is ended.

[0079] (3-2. Processing by the payment server (part 2)) Hereinafter, an example of the processing procedure of the information processing (part 2) executed by the payment server 100 according to the embodiment will be described with reference to Fig. 9. Fig. 9 is a flowchart showing an example of the processing procedure of the information processing (part 2) executed by the payment server 100 according to the embodiment. The processing procedure shown in Fig. 9 is executed by the control unit 130 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 9 while the payment server 100 is operating.

[0080] As shown in FIG. 9, the execution unit 131 acquires the service usage history of a user for whom functional restrictions on an electronic wallet have been imposed (step S201).

[0081] Furthermore, the execution unit 131 uses the acquired service usage history to determine whether or not the service usage situation of the target user is in a normal state (Step S202).

[0082] When the execution unit 131 determines that the service usage status of the target user is normal (step S202; Yes), it releases the function restriction of the electronic wallet linked to the user account of the target user (step S203).

[0083] In addition, the request unit 132 sends a request to resume transactions for the virtual account associated with the electronic wallet whose functional restrictions have been lifted, to the associated bank server 200 via the communication unit 110 (step S204), and then ends the processing procedure shown in Figure 9.

[0084] In the above-mentioned step S202, when the execution unit 131 determines that the service usage situation of the target user is not in a normal state (step S202; No), the processing procedure shown in FIG. 9 is ended.

[0085] (3-3. Processing by the payment server (part 3)) Hereinafter, an example of the processing procedure of the information processing (part 3) executed by the payment server 100 according to the embodiment will be described with reference to Fig. 10. Fig. 10 is a flowchart showing an example of the processing procedure of the information processing (part 3) executed by the payment server 100 according to the embodiment. The processing procedure shown in Fig. 10 is executed by the control unit 130 included in the payment server 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 10 while the payment server 100 is operating.

[0086] As shown in FIG. 10, the execution unit 131 deletes the user account of the target user in response to a cancellation request for the transfer service received from the user via the communication unit 110 (step S301).

[0087] In addition, when a user account is deleted by the execution unit 131, the request unit 132 sends a request to freeze the virtual account associated with the electronic wallet linked to the user account to the associated bank server 200 via the communication unit 110 (step S302), and terminates the processing procedure shown in Figure 10.

[0088] In addition to the processes shown in Figures 8 to 10, when the payment server 100 receives a notification from the associated bank server 200 that an error process has been performed on the transfer source of a transfer request to a virtual account that is in a suspended transaction state, the payment server 100 may notify the terminal device of the user who holds the user account linked to the virtual account number, which is the unique identification information assigned to the virtual account and is the information received together with the error process, that the transfer request to the virtual account has resulted in an error, via the payment app installed on the terminal device.

[0089] (3-4. Processing by affiliated bank server) Hereinafter, an example of the processing procedure of information processing executed by the associating bank server 200 according to the embodiment will be described with reference to Fig. 11. Fig. 11 is a flowchart showing an example of the processing procedure of information processing executed by the associating bank server 200 according to the embodiment. Note that the processing procedure shown in Fig. 11 is executed by the control unit 230 of the associating bank server 200. The control unit 230 repeatedly executes the processing procedure shown in Fig. 11 while the associating bank server 200 is operating.

[0090] As shown in FIG. 11, the account management unit 231 determines whether or not a transaction suspension request, a transaction resumption request, or a freeze request has been received from the settlement server 100 via the communication unit 210 (step S401).

[0091] When the account management unit 231 determines that a transaction suspension request, transaction resumption request, or freeze request has been received from the settlement server 100 (step S401; Yes), it executes transaction suspension processing, transaction resumption processing, or freeze processing for the target virtual account in accordance with the received request (step S402), and terminates the processing procedure shown in FIG. 11.

[0092] On the other hand, if the account management unit 231 determines that it has not received any of the requests for suspending a transaction, resuming a transaction, or freezing a transaction from the payment server 100 (step S401; No), it terminates the processing procedure shown in FIG. 11.

[0093] 4. Modifications (4-1. About multiple wallets) In the above embodiment, the payment server 100 may provide the user with an individual wallet for each purpose of using the transfer service. In this case, the payment server 100 may monitor the service usage status for each wallet for the target user, and implement wallet function restrictions based on the monitoring results. FIG. 12 is a diagram showing an example of user management information according to a modified example. The payment server 100 manages the wallet status for each wallet for each user of the transfer service.

[0094] As shown in FIG. 12, the user management information according to the modified example has the following items: "User ID", "Account Information", "Purpose", "Wallet ID", "Wallet Status", and "Virtual Account Number". These items in the user management information correspond to each other. Of the items in the user management information shown in FIG. 12, the "Purpose" and "Wallet ID" items differ from the user management information shown in FIG. 5.

[0095] The "purpose" field stores information indicating the purpose of using the transfer service to receive various funds in electronic money. According to FIG. 12, "receiving salary" and "receiving public race track refunds" are given as examples of purposes of using the transfer service. Note that the purpose of use is not limited to being set with specific content, and for funds other than salary, a purpose that includes various funds other than salary, such as "receiving other than salary," may be set. The "wallet ID" field stores a wallet ID, which is unique identification information assigned to each wallet to uniquely identify the wallet.

[0096] The control unit 130 determines whether or not to implement function restriction for each wallet by determining whether or not the user's service usage status is in a predetermined state based on the service usage history performed through the wallet for each wallet.

[0097] (4-2. System configuration) In the above embodiment, an example has been described in which the settlement server 100 included in the information processing system SYS performs processing related to the electronic settlement service and processing related to the transfer service. However, the configuration of the information processing system SYS 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 settlement service and the server device performing processing related to the sorting 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 each other in a communicable manner in a state in which information required for each process can be exchanged in cooperation with each other.

[0098] 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.

[0099] 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.

[0100] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0101] 5. Effects As described above, the payment server 100 according to the embodiment includes the execution unit 131 and the request unit 132. The execution unit 131 restricts the functions of the electronic wallet linked to the user account based on the status of the user account held by the user in the electronic payment service. When the request unit 132 restricts the functions of the electronic wallet, it requests the associated bank server 200 (an example of an "other device") that manages the virtual account associated with the electronic wallet to change the status of the virtual account.

[0102] In addition, the execution unit 131 may stop accepting deposits into the electronic wallet when the service usage status linked to the user account is in a predetermined state. The request unit 132 may send a request to the associated bank server 200 to stop transactions of the virtual account when the execution unit 131 restricts the functions of the electronic wallet.

[0103] Furthermore, the execution unit 131 may stop accepting deposits into the electronic wallet.

[0104] In addition, the execution unit 131 may only stop accepting deposits to the electronic wallet made through deposits to a virtual account, and keep in an active state the acceptance of deposits to the electronic wallet made by other deposit means than deposits to a virtual account.

[0105] Furthermore, the execution unit 131 may release the functional restrictions on the electronic wallet in accordance with a predetermined condition. When the functional restrictions on the electronic wallet are released by the execution unit 131, the request unit 132 may transmit a request to the associated bank server 200 to resume transactions on the virtual account.

[0106] Furthermore, when sending a request to resume transactions for a virtual account, the request unit 132 may specify a date for resuming transactions.

[0107] In addition, the execution unit 131 may delete a user account in response to a request from a user. When the execution unit 131 deletes a user account, the request unit 132 may transmit a request to the associated bank server 200 to freeze the virtual account.

[0108] In addition, when the execution unit 131 receives a notification from the associated bank server 200 that an error has been processed for the transfer source of a transfer request to a virtual account that is in a suspended state, the execution unit 131 may notify a terminal device of a user who holds a user account linked to the virtual account number, which is the unique identification information assigned to the virtual account and is information received along with the error processing, that the transfer request to the virtual account has resulted in an error, via an application program installed on the terminal device.

[0109] Moreover, the associated bank server 200 according to the embodiment has an account management unit 231. When the account management unit 231 receives a request to change the status of a virtual account from the payment server 100 (an example of an "other device") that executes processing related to the electronic payment service, the account management unit 231 changes the status of the target virtual account according to the content of the received change request.

[0110] In addition, when the account management unit 231 receives a transfer request for a virtual account in a suspended transaction state, it may execute error processing for the transfer source of the transfer request and notify the settlement server 100 that the error processing has been performed.

[0111] In addition, when notifying that error processing has been performed, the account management unit 231 may also notify the virtual account number, which is unique identification information assigned to the virtual account to uniquely identify the virtual account.

[0112] In this way, according to the payment server 100 and the associated bank server 200 of the embodiment, it is possible to appropriately protect users of the transfer service by effectively linking the state of the electronic wallet held by the user with the state of the virtual account associated with the electronic wallet.

[0113] [6. Hardware Configuration] Moreover, the payment server 100 and the associating bank server 200 according to the above-described embodiment or modification are realized, for example, by a computer 1000 having a configuration as shown in Fig. 13. Fig. 13 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server 100 and the associating bank server 200 according to the embodiment or modification.

[0114] 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.

[0115] 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.

[0116] 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.

[0117] 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.

[0118] 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.

[0119] For example, when the computer 1000 functions as the payment server 100 according to the embodiment or the modification, 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 the embodiment or the modification in cooperation with the 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.

[0120] Furthermore, for example, when the computer 1000 functions as the associated bank server 200 according to the embodiment or the modification, the CPU 1100 of the computer 1000 executes a program loaded on the RAM 1200 to realize the functions of the control unit 230. That is, the CPU 1100 realizes the processing by the associated bank server 200 according to the embodiment or the modification in cooperation with the program (e.g., an information processing program) loaded on the RAM 1200. Furthermore, the HDD 1400 stores each data in the storage device of the associated bank server 200. 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.

[0121] [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.

[0122] 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.

[0123] 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]

[0124] SYS Information Processing System 100 Payment Server 110 Communications Department 120 Storage section 121 Usage history database 122 User Management Database 130 Control section 131 Executive Department 132 Request Department 200 Associated bank server 210 Communications Department 220 Storage section 221 Customer Management Database 230 Control Unit 231 Account Management Department

Claims

1. An information processing device that executes processing related to an electronic payment service provided to a user through an online system, an execution unit that deletes a user account held by the user in the electronic payment service in accordance with a request from the user; a request unit that, when the user account is deleted by the execution unit, sends a request to freeze the virtual account to another device that manages a virtual account associated with the electronic wallet linked to the user account; An information processing device comprising:

2. The execution unit: When a cancellation request for a transfer service that is linked to the electronic payment service and uses the virtual account is received from the user, the user account is deleted.

2. The information processing apparatus according to claim 1, wherein:

3. An information processing method carried out by a computer that executes processing related to an electronic payment service provided to a user through an online system, an execution step of deleting a user account held by the user in the electronic payment service in accordance with a request from the user; a request step of sending a request to freeze the virtual account to another device that manages the virtual account associated with the electronic wallet linked to the user account when the user account is deleted by the execution step; An information processing method comprising:

4. A computer that executes processing related to electronic payment services provided to users through an online system, an execution procedure for deleting a user account held by the user in the electronic payment service in accordance with a request from the user; a request step of sending a request to freeze the virtual account to another device that manages the virtual account associated with the electronic wallet linked to the user account when the user account is deleted by the execution step; An information processing program characterized by causing the program to execute the above.

5. An information processing system comprising: a payment server that executes processing related to an electronic payment service provided to a user through an online system; and an affiliated bank server that manages virtual accounts linked to users of the electronic payment service, The payment server an execution unit that deletes a user account held by the user in the electronic payment service in accordance with a request from the user; a request unit that, when the user account is deleted by the execution unit, sends to the associated bank server a request to freeze the virtual account associated with the electronic wallet linked to the user account; and The affiliated bank server an account management unit that, when receiving the freeze request from the settlement server, executes the freeze processing of the target virtual account; An information processing system comprising:

6. The execution unit: When a cancellation request for a transfer service that is linked to the electronic payment service and uses the virtual account is received from the user, the user account is deleted.

6. The information processing system according to claim 5.

7. The affiliated bank server: a customer management database that stores customer management information about customers who are using the virtual account; and The account management unit By registering a frozen state as the status of the target virtual account, the customer management information stored in the customer management database is updated.

6. The information processing system according to claim 5.

8. An information processing method performed by an information processing system including a payment server that executes processing related to an electronic payment service provided to a user through an online system, and an affiliated bank server that manages virtual accounts linked to users of the electronic payment service, The payment server, an execution step of deleting a user account held by the user in the electronic payment service in accordance with a request from the user; a request step of sending, to the associated bank server, a request to freeze the virtual account associated with the electronic wallet linked to the user account, when the user account is deleted by the execution step; Including, The affiliated bank server: an account management step of executing a freeze process for the target virtual account when the freeze request is received from the settlement server; An information processing method comprising:

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