Information processing device, information processing method and information processing program

Abstract

To provide an information processing device allowing a user to easily discriminate a remitter when remitting money to another person.SOLUTION: An information processing device includes a determination part and a receiving part. When a user requests remittance from an electronic money account to a bank account, the determination part determines whether or not the bank account to be a remittance destination is the user's own account. When the determination part determines that the bank account of the remittance destination is not the user's own account, receives input of the name of the remitter.SELECTED DRAWING: Figure 1

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] Recently, the government has begun to consider introducing the so-called "digital salary payment" system, which would allow money transfer businesses operating in the money transfer industry to pay salaries using digital money such as the above-mentioned electronic money and virtual currency. In relation to this, technology related to the digital salary payment has also been proposed (for example, see Patent Document 1). [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] As wages are digitally paid and deposited into electronic money accounts, it is expected that the demand for remittance requests from electronic money accounts to bank accounts will increase. With conventional technology, when transferring money from an electronic money account to a bank account, the remittance requester transfers money from a bank account under the name of the electronic payment business operator to each bank account under the name of the electronic payment business operator, and when transferring money to another person, there was a risk that the recipient would not be able to identify the remittance requester.

[0005] The present invention 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 easily identify the person requesting the remittance when sending money to another person. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the information processing device according to the present invention includes a determination unit and a reception unit. When a user makes a request to transfer money from an electronic money account to a bank account, the determination unit determines whether the bank account to which the money is to be transferred is the user's own account. When the determination unit determines that the bank account to which the money is to be transferred is not the user's own account, the reception unit receives an input of the name of the person requesting the money transfer. Effect of the Invention

[0007] According to the present invention, when remittance is made to another person, the sender of the remittance can be easily identified. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Diagram 2] FIG. 2 is a schematic diagram of a remittance request process by a user according to an embodiment. [Diagram 3] FIG. 3 is a block diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a user information database according to the embodiment. [Diagram 5] FIG. 5 is a flowchart showing an example of a transfer process according to the embodiment. [Figure 6] FIG. 6 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] 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.

[0010] [Embodiment] [1. Information Processing] First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment. As shown in Fig. 1, the system according to the embodiment includes an information processing device 1 and a user terminal 100.

[0011] The information processing device 1 according to the embodiment is an information processing device that provides an electronic money payment service to a user. For example, the information processing device 1 is an information processing device that provides an electronic payment service related to electronic payment using a user terminal 100 and performs various payments. The information processing device 1 manages the accounts of providers (businesses) of transaction objects and users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts in accordance with a payment request from a user.

[0012] The user terminal 100 shown in FIG. 1 is an information processing device used by a user U. The user terminal 100 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 100 displays information distributed by the information processing device 1 using a web browser or an application. Note that the example shown in FIG. 1 illustrates a case where the user terminal 100 is a smartphone.

[0013] Here, prior to the provision process executed by the information processing device 1, an example of payment (electronic payment) using the user terminal 100 will be described. In the following description, an example will be described in which a user makes a payment using the user terminal 100 by using a two-dimensional code (QR code (registered trademark)) placed in store A, which indicates store identification information for identifying store A, but the embodiment is not limited to this. The example of 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 100. In addition, the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like.

[0014] For example, when a user makes a payment for using or purchasing a payment object (transaction object) such as various goods or services at store A, the user launches a payment app pre-installed on the user terminal 100. The user then photographs the store identification information installed in store A via the payment app. In such a case, the user terminal 100 displays a screen for inputting the price of the payment object, and accepts input of the payment amount from the user or a clerk at store A. The user terminal 100 then transmits to the information processing device 1 user identification information that identifies the user, store identification information (or information indicated by the store identification information, i.e., information indicating store A (or the operator of store A) (e.g., a store ID), and payment information indicating the payment amount.

[0015] In such a case, the information processing device 1 transfers electronic money in the amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A indicated by the store identification information. Then, the information processing device 1 transmits a notification that the payment has been completed to the user terminal 100. In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0016] A more detailed example will be described. For example, the store identification information installed in the store A is a URL set for each store, and is linked to group identification information indicating a group to which the store A belongs and group store identification information identifying the store A in the group, and is managed so that the information processing device 1 can refer to it. The URL serving as the store identification information is a URL for accessing the information processing device 1. When the user terminal 100 photographs the store identification information, it accesses the URL indicated by the photographed store identification information and transmits the user identification information. In such a case, the information processing device 1 identifies the group identification information corresponding to the accessed URL, and identifies the electronic money account (sometimes displayed as a "wallet") associated with the identified group identification information. Next, the information processing device 1 causes the user terminal 100 to display an amount input screen and cause the user terminal 100 to input an amount. Then, the information processing device 1 identifies the group identification information from the wallet associated with the user identification information received from the user terminal 100, and transfers the input amount of electronic money to the wallet associated with the identified group identification information. The information processing device 1 may transfer the electronic money to a wallet associated with the group identification information and the group store identification information.

[0017] It should be noted that the payment using the user terminal 100 is not limited to the above-mentioned process. For example, the payment using the user terminal 100 may be made using a store terminal installed in store A. For example, the user terminal 100 displays user identification information for identifying the user on a screen. In such a case, the store terminal installed in store A reads the user identification information displayed on the user terminal 100, and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating the user (e.g., user ID), the payment amount, and information identifying store A) to the information processing device 1. In such a case, the information processing device 1 transfers electronic money in an amount indicated by the payment amount from the user's account indicated by the user identification information to the account of store A, and may notify the store terminal of store A or the user terminal 100 that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0018] More specifically, the user terminal 100 transmits a payment request to the information processing device 1 together with the user identification information. In such a case, the information processing device 1 generates a one-time code, links the generated one-time code to the user identification information, and transmits the one-time code to the user terminal 100. The user terminal 100 then displays the one-time code (i.e., information identifying the user) on the screen. In such a case, the store terminal reads the one-time code displayed on the user terminal 100 and transmits the read one-time code, group identification information, group store identification information, and payment amount to the information processing device 1. The information processing device 1 then transfers electronic money equivalent to the payment amount from the wallet linked to the user identification information linked to the one-time code to the wallet linked to the group identification information and group store identification information.

[0019] Furthermore, the payment using the user terminal 100 may not only be a process of transferring electronic money from an account to which the user has previously charged electronic money to an account of store A, but may also be a payment using, for example, a credit card registered by the user in advance. In such a case, for example, the user terminal 100 may transfer electronic money of the payment amount to the account of store A, and may also bill the operating company (card company) of the user's credit card for the payment amount.

[0020] Meanwhile, the government has begun considering introducing a so-called "digital payment of wages" 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.

[0021] As wages are paid digitally, the destination of wage transfers will change from bank accounts to electronic money accounts. This is expected to lead to an increase in demand for remittances from electronic money accounts to bank accounts.

[0022] For example, in the conventional technology, when remittance is made from an electronic money account to a bank account, the remittance is made in the name of the electronic payment business operator. For example, when a user remits from his / her own electronic money account to his / her own bank account, even if the remittance requester is in the name of a corporate entity of the electronic payment business operator, it is possible to recognize that the remittance requester is the user himself / herself.

[0023] On the other hand, when a user transfers money from his / her own electronic money account to another person's bank account, if the person requesting the transfer is in the name of a corporate electronic payment service provider, the other person to whom the transfer is made cannot know who actually requested the transfer.

[0024] Therefore, when a user transfers money from his / her own electronic money account to another person's bank account, the information processing device 1 accepts input of the name of the person requesting the transfer from the user. Specifically, as shown in Fig. 1, the information processing device 1 accepts selection of a transfer destination account from the user through the user terminal 100 (step S1).

[0025] A user can select a destination account through the payment application. For example, if the user wishes to transfer money to a bank account under his / her own name, the user interface UI1 is displayed on the user terminal 100, whereas if the user wishes to transfer money to a bank account under another person's name, the user interface UI2 is displayed on the user terminal 100.

[0026] The user interface UI1 and the user interface UI2 display accounts to which the user has previously sent remittances, and also enable the user to add new remittance destination accounts.

[0027] When the user selects a remittance destination account through the user interface UI1 or UI2, the information processing device 1 accepts a remittance request from the user (step S2).

[0028] Then, the information processing device 1 performs account determination based on the remittance request (step S3). Specifically, when making a request to remit from an electronic money account to a bank account, the information processing device 1 determines whether the bank account to which the remittance is to be made is the user's own account.

[0029] In other words, when the information processing device 1 receives a remittance request through the user interface UI1, it determines that the bank account to which the remittance is to be sent is the user's account, and when the information processing device 1 receives a remittance request through the user interface UI2, it determines that the bank account to which the remittance is to be sent is an account other than that of the user.

[0030] If the information processing device 1 determines that the remittance destination bank account belongs to a person other than the user, it accepts input of the name of the person requesting remittance from the user (step S4). At this time, the user can input any character string when inputting the name of the person requesting remittance. Note that the information processing device 1 may input the user's name, etc. as a default, and then accept input of the name of the person requesting remittance from the user. Furthermore, when accepting input of the name of the person requesting remittance, the information processing device 1 may provide a UI that allows the user to select from multiple candidates, such as name and account name.

[0031] After that, the information processing device 1 requests the financial institution to transfer the money (step S5). In this embodiment, the money is transferred from a corporate account of the electronic payment service provider previously opened at the financial institution to a bank account of the financial institution designated by the user. For example, when making a transfer request, if the remittance destination is the user's own bank account, the information processing device 1 processes the instruction message with the remittance requester's name (remittance requester's name) as "electronic payment service provider", and if the remittance destination is a bank account other than the user's own bank account, the information processing device 1 processes the instruction message with the remittance requester's name as the character string entered by the user. As a result, in the remittance destination financial institution (bank), "electronic payment service provider (name of corporate account holder)" or the character string entered by the user is processed as the remittance requester's name (remittance requester's name). Note that the remittance requester's name in this case may be a name arbitrarily selected by the electronic payment service provider without being editable by the user. For example, the information processing device 1 automatically selects a name (name of the person requesting the transfer) in accordance with rules from fixed names, such as the name of the electronic payment service provider, a name that combines the name of the electronic payment service provider and a name that can identify the account to which the withdrawal is made, the name of the withdrawal service, or a name that combines the name of the electronic payment service provider and the name of the user.

[0032] Next, the process of a remittance request by a user will be described with reference to Fig. 2. Fig. 2 is a schematic diagram of the remittance request process by a user according to the embodiment. First, a case where a user makes a remittance request to the user's own bank account, that is, a case where a remittance request is made through the user interface UI1 will be described.

[0033] When a user makes a request to transfer money to the user's own bank account, the user inputs the remittance account information and the remittance amount. This process completes the transfer request. When a user makes a request to transfer money to a bank account other than the user's own, the user inputs the remittance account information and the remittance amount through the user interface UI2.

[0034] Furthermore, when a user makes a remittance request to a bank account other than the user's own, the remittance requester's name is further input, and the remittance request is completed. In this manner, in this embodiment, when a user makes a remittance request to a bank account other than the user's own, by accepting the input of the remittance requester's name, the remittance requester's name can be easily identified when remitting to another person.

[0035] 2. Example of the configuration of an information processing device Next, a configuration example of the information processing device 1 will be described with reference to Fig. 3. Fig. 3 is a block diagram showing a configuration example of the information processing device 1 according to an embodiment. As shown in Fig. 3, the information processing device 1 has a communication unit 2, a storage unit 3, and a control unit 4.

[0036] The communication unit 2 is realized by, for example, a NIC (Network Interface Card) etc. The communication unit 2 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100 and each financial institution etc.

[0037] The storage unit 3 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.

[0038] 3, the storage unit 3 includes a user information database 31. The user information database 31 is a database that stores various information related to users. Fig. 4 is a diagram showing an example of the user information database 31 according to the embodiment.

[0039] As shown in FIG. 4, the user information database 31 according to the embodiment stores information items such as "user ID," "account information," "wallet information," and "identification information" in association with each other.

[0040] The "User ID" field stores an identifier for identifying each user U in electronic money payments. The "Account Information" field stores the account information of the user identified by the corresponding user ID. The account information includes the name, age, date of birth, mobile phone number, address, and bank account information.

[0041] The "wallet information" item stores information about the electronic money account of a user identified by a corresponding user ID. The wallet information includes the wallet ID and information about the transaction history of the electronic money account.

[0042] The "identification information" item stores the identity verification information of the user identified by the corresponding user ID. Identity verification information is information that confirms the user's name, age, address, etc. using the user's identification card (driver's license, passport, My Number card, etc.).

[0043] Returning to the description of FIG. 3, the control unit 4 will be described. The control unit 4 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 information processing device 1 using a RAM as a working area. The control unit 4 is also 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. 3, the control unit 4 according to the embodiment has a providing unit 41, a determining unit 42, a receiving unit 43, and a processing unit 44, and realizes or executes the functions and actions of information processing described below.

[0044] When receiving a remittance request from a user, the providing unit 41 provides different user interfaces depending on whether the name of the remittance destination bank account is that of the user himself or herself or whether the name of the remittance destination bank account is that of a person other than the user himself or herself.

[0045] Specifically, when a user wishes to transfer money to the user's own bank account, the providing unit 41 provides a user interface UI1 (see FIG. 1), and when a user wishes to transfer money to a bank account other than the user's own bank account, the providing unit 41 provides a user interface UI2 (see FIG. 1).

[0046] When a user makes a request to transfer money from an electronic money account to a bank account, the determination unit 42 determines whether the bank account to which the money is to be transferred is the user's account. The determination unit 42 determines whether the bank account to which the money is to be transferred is the user's account based on a specification by the user. Specifically, the determination unit 42 determines whether the bank account to which the money is to be transferred is the user's account based on a user interface provided to the user by the provision unit 41.

[0047] In other words, when user interface UI1 is provided, the judgment unit 42 judges that the bank account to which the remittance is to be made is the user's own account, and when user interface UI2 is provided, the judgment unit 42 judges that the bank account to which the remittance is to be made is an account other than that of the user.

[0048] In addition, the judgment unit 42 may determine whether the bank account to which the remittance is to be made is the user's own account depending on whether the user name, whose identity has been verified, is the same as the name of the bank account to which the remittance is to be made.

[0049] That is, in this case, the judgment unit 42 compares the name in the personal identification information registered in the user information database 31 with the name of the bank account to which the remittance is to be sent, and if they are the same, it judges that the bank account to which the remittance is to be sent is the user's account, and if they are not the same, it judges that the bank account to which the remittance is to be sent is an account of someone other than the user.

[0050] The reception unit 43 receives a remittance request from each user. The reception unit 43 receives the remittance request through a payment application installed in each user's user terminal 100. When the determination unit 42 determines that the remittance destination account is the user's own bank account, the reception unit 43 receives the remittance request through the user interface UI1 (see FIG. 1).

[0051] For example, the reception unit 43 receives input of a remittance account and a remittance amount from the user via the user interface UI1.

[0052] Furthermore, if the determination unit 42 determines that the remittance account is a bank account of a bank other than the user's, the acceptance unit 43 accepts the remittance request via the user interface UI2 (see FIG. 1).

[0053] The reception unit 43 receives input of the remittance destination account and remittance amount from the user via the user interface UI2, as well as input of the name of the person requesting remittance.

[0054] The processing unit 44 executes various processes related to the remittance request accepted by the acceptance unit 43. First, the process when remittance is made to the user's own bank account will be described. The processing unit 44 compares the user's confirmed name (for example, by referring to the identity verification information) with the name of the remittance destination account, and if the two names are the same, executes the following process related to the remittance request.

[0055] That is, if the names of both parties are not the same, the processing unit 44 processes the remittance request received from the user as an error. For example, in this case, the processing unit 44 notifies the user that the names of both parties are not the same and asks the user to re-input the remittance account.

[0056] Furthermore, if the names of both parties are the same, the processing unit 44 subtracts the transfer amount specified by the user from the user's electronic money account and stores it in a specified wallet.

[0057] Next, the processing unit 44 instructs the financial institution to transfer the transfer amount from the corporate account of the electronic payment service provider of the financial institution to the bank account specified by the user. For example, in this case, the processing unit 44 instructs the financial institution to transfer the amount in the name of the electronic payment service provider.

[0058] When the financial institution gives permission for the transfer, the processing unit 44 confirms the transfer amount stored in the specified wallet. When the financial institution points out an error in the account number, etc., the processing unit 44 returns the transfer amount stored in the specified wallet to the user's electronic money account and processes the remittance request by the user as an error.

[0059] Next, the process for transferring money to a bank account other than that of the user will be described. The processing unit 44 subtracts the transfer amount designated by the user from the user's electronic money account and stores it in a specified wallet.

[0060] Next, the processing unit 44 instructs the financial institution to transfer the transfer amount from the corporate account of the financial institution to the bank account specified by the user. At this time, the processing unit 44 instructs the financial institution to process the character string specified by the user as the name of the person requesting the transfer.

[0061] Then, when permission for the transfer is granted by the financial institution, the processing unit 44 confirms the transfer amount stored in the specified wallet, and when an error is returned from the financial institution, the processing unit 44 returns the transfer amount stored in the specified wallet to the user's electronic money account.

[0062] [3. Processing flow] Next, a process procedure executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a flowchart showing an example of a transfer process according to the embodiment.

[0063] 5, the information processing device 1 first accepts a remittance request from a user (step S101). Next, the information processing device 1 determines whether the remittance destination is an account (bank account) other than that of the user (step S102).

[0064] If the information processing device 1 determines that the remittance destination is an account other than the user's (step S102; Yes), it accepts input of the remittance requester's name from the user (step S103). If the information processing device 1 determines that the remittance destination is an account in the user's name (step S102; No), it skips the process of step S103.

[0065] Then, the information processing device 1 requests the financial institution to transfer the money (step S104), and ends the process.

[0066] 4. Modifications In the above embodiment, we have described a case where the input of the name of the person requesting remittance is accepted from the user when a remittance request is accepted to a bank account other than the user's own. However, it is also possible to similarly accept the input of the name of the person requesting remittance when a remittance request is accepted to the user's own bank account.

[0067] Furthermore, in the above embodiment, the case where the remittance destination is a bank account has been described, but the present invention may also be applied to cases where the remittance destination is an electronic money account.

[0068] 5. Effects The information processing device 1 according to the embodiment described above includes a judgment unit 42 that judges whether the destination bank account is the user's account when a user requests a transfer from an electronic money account to a bank account, and a reception unit 43 that accepts input of the name of the person requesting the transfer when the judgment unit 42 determines that the destination bank account is not the user's account.

[0069] The determination unit 42 also determines whether the bank account to which remittance is to be made is the user's account based on the user's designation. The information processing device 1 also includes a provision unit 41 that, when accepting a remittance request from a user, provides different user interfaces depending on whether the name of the remittance destination bank account is the user himself / herself or not, and the determination unit 42 determines whether the bank account to which remittance is to be made is the user's account based on the user interface provided to the user by the provision unit 41.

[0070] The determination unit 42 also determines whether the destination bank account is the user's account, depending on whether the user name that has been verified and the name of the destination bank account are the same. The information processing device 1 also includes a processing unit 44 that, if the destination bank account is the user's account, requests a transfer from a corporate account of an electronic payment service provider opened at a financial institution to the destination bank account in the name of the remittance requester determined based on predetermined rules, and requests a transfer from the corporate account of the financial institution to the destination bank account, and, if the destination bank account is an account other than that of the user, requests a transfer from the corporate account to the destination bank account in the name of the remittance requester entered by the user.

[0071] If the remittance bank account belongs to the user, the processing unit 44 requests a transfer to the remittance bank account in the name of the electronic payment business entity. The processing unit 44 also transfers the remittance amount specified in the remittance request from the user's electronic money account to a specified wallet, and if the transfer is permitted by the financial institution, confirms the remittance of the remittance amount transferred to the wallet.

[0072] Furthermore, if the transfer is not permitted by the financial institution, the processing unit 44 returns the remittance amount transferred to the wallet to the electronic money account.

[0073] By using any one or a combination of the above-mentioned processes, the information processing device according to the present application can easily identify the remittance requester when remittance is made to another person.

[0074] [6. Hardware Configuration] The information processing device 1 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in Fig. 6. Fig. 6 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 1 according to the embodiment. 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.

[0075] 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.

[0076] 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 network (communication network) N and sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to other devices via the network N.

[0077] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 6, the output devices and the input devices are collectively referred to as "input / output devices") via an input / output interface 1600. The CPU 1100 acquires data from the input devices via the input / output interface 1600. The CPU 1100 also outputs generated data to the output devices via the input / output interface 1600.

[0078] 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.

[0079] For example, when the computer 1000 functions as the information processing device 1 according to the embodiment, the CPU 1100 of the computer 1000 executes programs loaded onto the RAM 1200 to realize the functions of the control unit 4. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

[0080] 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.

[0081] [7. Other] Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or 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.

[0082] 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.

[0083] Furthermore, the above-described embodiments and modifications can be appropriately combined as long as the processing contents are not contradictory.

[0084] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit", etc. For example, an acquisition section can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0085] 1. Information processing device 2. Communications Department 3 Storage section 4. Control section 31 User Information Database 41 Providing Department 42 Judgment section 43 Reception 44 Processing section U User

Claims

1. a determination unit that, when a user makes a request to transfer money from an electronic money account to a bank account, determines whether the bank account to which the money is to be transferred belongs to the user based on information specified by the user; a reception unit that receives an input of a remittance requester's name when the determination unit determines that the remittance destination bank account is not the user's account; a processing unit for requesting a transfer from an account in the name of the electronic settlement business operator, which is opened in a financial institution under the name of the remittance requester accepted by the accepting unit, to the bank account of the remittance destination; An information processing device comprising:

2. a provision unit that provides, when receiving the remittance request from the user, different user interfaces depending on whether the name of the remittance destination bank account is the user himself / herself or the name of the remittance destination bank account is other than the user himself / herself. Equipped with The determination unit is Determining whether the bank account to which remittance is to be made is the user's own account according to the user interface provided to the user by the providing unit.

2. The information processing apparatus according to claim 1,

3. The processing unit includes: Temporarily transferring the remittance amount specified in the remittance request from the electronic money account of the user to a predetermined wallet, and when the transfer is permitted by the financial institution, confirming the remittance of the remittance amount transferred to the wallet.

2. The information processing apparatus according to claim 1,

4. The processing unit includes: If the transfer is not permitted by the financial institution, the remittance amount transferred to the wallet is returned to the electronic money account.

4. The information processing apparatus according to claim 3,

5. 1. A computer-implemented information processing method, comprising: a determination step of determining whether or not the bank account to which the remittance is to be made is the user's own account, based on information designated by the user when the user makes a request to remit from the electronic money account to the bank account; an accepting step of accepting an input of a name of a person requesting remittance when it is determined in the determining step that the bank account of the remittance destination is not the user's account; a processing step of requesting a transfer from an account in the name of the electronic settlement business operator, which is opened in a financial institution under the name of the remittance requester accepted in the accepting step, to the bank account of the remittance destination; 13. An information processing method comprising:

6. a determination step for determining whether or not the bank account to which the remittance is to be made is the user's own account, based on information designated by the user when the user makes a request to remit from the electronic money account to the bank account; a receiving step of receiving an input of a name of a person requesting remittance when it is determined by the determining step that the bank account of the remittance destination is not the user's account; a processing step of requesting a transfer from an account in the name of the electronic settlement business operator, which is opened in a financial institution in the name of the remittance requester accepted by the accepting step, to the bank account of the remittance destination; An information processing program characterized by causing a computer to execute the above.

7. a determination unit that, when a user makes a request to transfer money from an electronic money account to a bank account, determines whether the bank account to which the money is to be transferred belongs to the user; a processing unit that, when the determination unit determines that the bank account of the remittance destination is the user's account, requests a transfer from an account in the name of a corporation of an electronic settlement business operator, which is opened in a financial institution in the name of the remittance requester determined based on a predetermined rule, to the bank account of the remittance destination; Equipped with The determination unit is Determining whether the bank account to which the remittance is to be made is the user's own account based on whether the user's verified user name is the same as the name of the bank account to which the remittance is to be made. An information processing device comprising:

8. 1. A computer-implemented information processing method, comprising: a determination step of determining whether or not the bank account to which the remittance is to be made is the user's own account when the user makes a request to remit from the electronic money account to the bank account; a processing step of requesting a transfer from an account in the name of an electronic settlement business operator, which is opened in a financial institution in the name of the person requesting the remittance based on a predetermined rule, to the bank account of the remittance destination, when the determining step determines that the bank account of the remittance destination belongs to the user himself / herself; Including, The determination step includes: Determining whether the bank account to which the remittance is to be made is the user's own account based on whether the user's verified user name is the same as the name of the bank account to which the remittance is to be made. An information processing method comprising:

9. a determination step for determining whether or not a bank account to which remittance is to be made is the user's own account when the user makes a request to remit money from the electronic money account to the bank account; a processing step of requesting a transfer from an account in the name of an electronic settlement business operator, which is opened in a financial institution in the name of the person requesting the remittance based on a predetermined rule, to the bank account of the remittance destination, when the determination step determines that the bank account of the remittance destination is the user's account; Run the following on your computer: The determination procedure includes: Determining whether the bank account to which the remittance is to be made is the user's own account based on whether the user's verified user name is the same as the name of the bank account to which the remittance is to be made. An information processing program characterized by:

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