Information processing device, information processing method and information processing program

Abstract

To provide an information processing device promoting use of a service relating to digital salary payment.SOLUTION: An information processing device for executing processing relating to transaction work including settlement between accounts. The information processing device has a determination part and a decision-making part. When receiving a transfer request, the determination part determines whether or not an account of a transfer destination designated in the transfer request is an account for disbursing payments to a prescribed business operator that operates an electronic settlement service, and is a virtual account assigned to a service user by the prescribed business operator as a receiving account for the service user who uses the electronic settlement service to receive remittances addressed to him / her in the form of electronic money. When the determination part determines that the account of the transfer destination is the virtual account, the decision-making part makes decision on a prescribed profit to be given to a transfer requester in conjunction with transfer processing executed in response to the transfer request.SELECTED DRAWING: Figure 2

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 a so-called "digital salary payment" system, which would allow money transfer businesses to pay salaries using digital money such as electronic money and virtual currency. In connection with this, technologies related to the digital payment of salaries have also been proposed. [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 promoting the use of services related to digital salary payments. For example, currently, employers who transfer salaries are unlikely to benefit from the introduction of digital salary payments, and are not in a position to proactively consider the introduction of 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, and an information processing program that can promote the use of 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 transaction operations including settlement between accounts, and includes a judgment unit and a decision unit. When a transfer request is received, the judgment unit judges whether or not a transfer destination account specified in the transfer request is an account for paying out to a predetermined business operating an electronic payment service, and is a virtual account assigned to a service user by the predetermined business as a receiving account for a service user who uses the electronic payment service to receive remittance to himself / herself in the form of electronic money. When the judgment unit judges that the transfer destination account is a virtual account, the decision unit determines a predetermined profit to be granted to the transfer requester in association with a transfer process executed in response to the transfer request. Effect of the Invention

[0007] According to one aspect of the embodiment, it is possible to promote the use of services related to digital payment of wages. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram for explaining an overview of information processing according to the embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of account information stored in an account information storage unit according to the embodiment. [Figure 4] FIG. 4 is a flowchart illustrating an example of a processing procedure of information processing executed by the information processing device according to the embodiment. [Diagram 5] FIG. 5 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment or the modification. 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. In addition, the same parts in the following embodiments are given the same reference numerals, and duplicated descriptions are omitted.

[0010] 1. Embodiment (1-1. 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. 1. Fig. 1 is a diagram for explaining an overview of the information processing according to the embodiment.

[0011] As shown in Fig. 1, the information processing system SYS according to the embodiment includes a business operator device 10, a payment server 20, and an information processing device 100. The business operator device 10, the payment server 20, and the information processing device 100 are connected to a network N (for example, see Fig. 2) by wire or wirelessly. The business operator device 10, the payment server 20, and the information processing device 100 can communicate with other devices via the network N. The network N is, for example, a WAN (Wide Area Network) such as the Internet.

[0012] The business operator device 10 shown in FIG. 1 is an information processing terminal managed by company X. Company X transfers salaries to employees (for example, service users UB). The business operator device 10 is realized by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the business operator device 10 can display information distributed by the payment server 20 and the information processing device 100 by a web browser or an application.

[0013] 1 is a server device managed by a company Z operated by a service provider UA that provides electronic payment services. The payment server 20 may be realized by a mainframe, a workstation, or the like. In addition, when the payment server 20 is configured by a server device, it may be realized by a single server device, or may be realized by a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation with each other.

[0014] The information processing device 100 shown in Fig. 1 is an information processing device managed by Bank Y, and executes processing related to transaction operations including settlement between accounts. Bank Y cooperates with a service provider UA to provide services related to digital salary payment so that a service user UB who uses an electronic payment service can receive at least a portion of his / her salary as electronic money that can be used in the electronic payment service. In addition, the information processing device 100 executes information processing according to an embodiment described later when providing services related to digital salary payment.

[0015] (1-2. Prerequisites for Information Processing According to the Embodiment) The premise of the information processing according to the embodiment will be described below: A service provider UA of company Z and a provider UC of company X each open an account at bank Y (steps S01-1 and S01-2).

[0016] Furthermore, in response to a request from the service provider UA, the bank Y withdraws funds from a plurality of virtual accounts linked to real accounts opened by the service provider UA at the bank Y (step S02). For example, the bank Y can withdraw funds from as many virtual accounts as requested by the service provider UA. The information processing device 100 manages the correspondence between the real accounts opened by the service provider UA at the bank Y and the virtual accounts withdrawn to the service provider UA.

[0017] Furthermore, when Bank Y receives notification of the activated virtual account number from the service provider UA, it associates it with the virtual account number and manages information that the virtual account number has been activated. Furthermore, when Bank Y receives information indicating the purpose of use of the activated virtual account from the service provider UA after withdrawing the virtual account from the service provider UA, it may associate the received purpose of use with the virtual account and manage it. Examples of the purpose of use include receiving a salary and receiving something other than a salary.

[0018] The service provider UA can provide the service user UB with a service that allows the service user UB to receive at least a portion of his / her salary in electronic money (hereinafter referred to as the "salary receiving service") as one of the services incidental to the electronic payment service. When providing the salary receiving service to the service user UB, the service provider UA assigns a receiving account for the salary receiving service to the service user UB (step S03).

[0019] Specifically, when activating the salary receiving service in response to a request from the service user UB, the settlement server 20 arbitrarily selects an unused virtual account from among multiple virtual accounts borrowed in advance from Bank Y as a receiving account to be assigned to the service user UB. Then, the settlement server 20 associates a virtual account number for identifying the selected virtual account with identification information unique to the service user UB and registers it. The settlement server 20 notifies the service user UB of the virtual account number together with a notification that registration for the salary receiving service has been completed.

[0020] The payment server 20 may use, as identification information unique to the service user UB who uses the salary receiving service, a user ID unique to each service user that is individually assigned to each service user by the payment server 20 when registering for use of the electronic payment service, for example. Registration for use of the salary receiving service may be performed through a mini-app launched within a payment app that is a predetermined user application program that the service user UB installs on his / her own information processing terminal and uses, and that has various functions related to code payment executed using the information processing terminal, or may be performed through a predetermined website linked to this payment app.

[0021] When the service provider UA activates the salary receipt service for the service user UB, it notifies the bank Y of information indicating the activated virtual account (step S04). For example, the settlement server 20 may transmit the virtual account number assigned to the service user UB to the information processing device 100. At this time, the service provider UA may also notify the bank Y of information that the purpose of using the activated virtual account is to receive salary. For example, the settlement server 20 may transmit to the information processing device 100 the virtual account number assigned to the service user UB and information that the purpose of using the virtual account is to receive salary.

[0022] The service user UB notifies the virtual account number notified by the service provider UA to the company X where the user works as information on the account for receiving the salary (step S05).

[0023] Company X transfers the salary of its employee, service user UB, to the service user UB based on the salary receiving account information notified by the service user UB.

[0024] (1-3. Overview of Information Processing According to the Embodiment) An overview of information processing according to the embodiment will be described below with reference to Fig. 1. As shown in Fig. 1, company X makes a transfer request to bank Y (step S11). For example, the business device 10 transmits the transfer request to the information processing device 100 in accordance with an operation by the business UC that operates company X.

[0025] When the information processing device 100 receives the transfer request, it performs a transfer destination determination (step S12). For example, the information processing device 100 refers to the account information managed by itself and determines whether the transfer destination account specified in the transfer request is an account for paying out to a service provider UA (an example of a "predetermined business") that operates an electronic payment service, and whether it is a virtual account that the service provider UA assigns to the service user UB as a receiving account for the service user UB, who uses the electronic payment service, to receive remittance addressed to himself / herself in electronic money.

[0026] Furthermore, when it is determined that the transfer destination account is a virtual account, the information processing device 100 determines a predetermined profit to be given to the transfer requester in association with the transfer process executed in response to the transfer request (step S13).

[0027] For example, the information processing device 100 may waive a predetermined fee charged to the business UC, which is the transfer requester, in association with the execution of the transfer process for the relevant transfer request. Also, for example, the information processing device 100 may reduce or waive a predetermined fee charged to the business UC, which is the transfer requester, in association with the execution of the transfer process, depending on the number of transactions of the transfer process in which a virtual account is designated as the transfer destination during a predetermined period. For example, the information processing device 100 may reduce or waive a predetermined fee associated with the execution of the transfer process the greater the number of transactions of the transfer process in which a virtual account is designated as the transfer destination.

[0028] In addition, for example, the information processing device 100 may refund, for each transfer transaction, cash equivalent to a specified fee charged to the business operator UC, who is the source of the transfer request, in connection with the execution of the transfer transaction, to a bank account held by the business operator UC, who is the source of the transfer request, at bank Y.

[0029] In addition, for example, if the business operator UC that requested the transfer holds a corporate account for using an electronic payment service, the information processing device 100 may refund, for each transfer transaction, electronic money equivalent to a specified fee charged to the business operator UC that requested the transfer in connection with the execution of the transfer transaction, to the corporate account held by the business operator UC that requested the transfer in the electronic payment service.

[0030] The information processing device 100 may also determine whether to grant a predetermined benefit based on information indicating the purpose of use of the virtual account. For example, assume that a service provider UA provides a service for receiving at least a part of funds other than salary in electronic money, and assigns a virtual account to a service user UB who uses this service as a receiving account for receiving remittances addressed to the service user in electronic money. In this case, the information processing device 100 may determine to grant a predetermined benefit to the transfer requester on the condition that the purpose of use of the virtual account is to receive salary.

[0031] Furthermore, the information processing device 100 may change the content of the predetermined benefit based on the information indicating the purpose of use of the virtual account. For example, the information processing device 100 may change the content of the predetermined benefit provided to the transfer requester depending on whether the purpose of use of the virtual account is to receive a salary or to receive something other than a salary.

[0032] After determining a predetermined profit to be provided to the transfer requester, the information processing device 100 executes a transfer process according to the transfer request (step S14). For example, the information processing device 100 executes a transaction process in which the transfer amount specified in the transfer request and a predetermined fee associated with the transfer process are withdrawn, and the withdrawn transfer amount is transferred to the real account of the service provider UA linked to the virtual account of the transfer destination specified in the transfer request.

[0033] As described above, the information processing device 100 according to the embodiment determines a predetermined benefit to be given to the business entity UC that requested the transfer when the transfer destination account is a valid virtual account paid out to the service business entity UA. Therefore, the information processing device 100 can provide the business entity UC that is the transfer source of the salary with the benefit of the introduction of digital salary payment, and can create an opportunity for the business entity UC to positively consider the introduction of services related to digital salary payment. For this reason, the information processing device 100 according to the embodiment can promote the use of services related to digital salary payment.

[0034] 2. Configuration of Information Processing Device 100 Hereinafter, an example of a functional configuration of the information processing device 100 according to the embodiment will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of a configuration of the information processing device 100 according to the embodiment. As shown in Fig. 2, the information processing device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

[0035] (Regarding communication unit 110) The communication unit 110 is realized by, for example, a network interface card (NIC) etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the business operator device 10 and the payment server 20.

[0036] (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. 2, the storage unit 120 has an account information storage unit 121.

[0037] (Regarding the account information storage unit 121) The account information storage unit 121 stores account information on bank accounts opened by customers of Bank Y. The customers include a service provider UA that operates company Z that provides an electronic payment service with which the bank is involved in business collaboration, and a company UC that operates company X. Fig. 3 is a diagram showing an example of account information stored in the account information storage unit 121 according to the embodiment.

[0038] 3, the account information stored in the account information storage unit 121 has multiple items such as an "owner ID" item, an "owner information" item, an "actual account information" item, an "virtual account information" item, etc. These items in the account information are associated with each other.

[0039] The "owner ID" field stores an owner ID, which is unique identification information assigned to each owner of a bank account opened at Bank Y in order to uniquely identify the owner of the account.

[0040] The "Owner Information" field stores information about the owner of the bank account opened at Bank Y. The owner information may include information such as the company name (or name) and address (or location).

[0041] The "Actual Account Information" field stores information about an actual bank account opened at Bank Y. The information about the bank account may include information indicating an account number unique to the bank account, information indicating the balance, and the like.

[0042] The "Virtual Account Information" item stores information about a virtual account issued to a service provider UA that operates company Z, which provides an electronic payment service with which the business is partnered. The information about the virtual account may include information indicating a virtual account number unique to the virtual account, information indicating that the virtual account is assigned to a service user of the electronic payment service (for example, service user UB shown in FIG. 1) and is in a valid state, information indicating the purpose of use of the virtual account, and the like.

[0043] (Regarding the control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the information processing device 100 using a RAM as a working area. The control unit 130 can also be realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0044] 2, the control unit 130 has a judgment unit 131 and a decision unit 132, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may have new functional units different from the units shown in FIG. 2 in response to the extension of various processes executed by the information processing device 100.

[0045] (Regarding the determination unit 131) When a transfer request is accepted, the judgment unit 131 judges whether the transfer destination account specified in the transfer request is an account for paying out to a specified business providing an electronic payment service, and whether it is a virtual account assigned to a service user (for example, service user UB shown in Figure 1) by a specified business (for example, service provider UA shown in Figure 1) who uses the electronic payment service as a receiving account for receiving remittances addressed to the service user in the form of electronic money.

[0046] (Regarding the determination unit 132) When the determination unit 131 determines that the transfer destination account is a virtual account, the determination unit 132 determines a predetermined profit to be given to the transfer requester in association with the transfer process executed in response to the transfer request.

[0047] Furthermore, the determination unit 132 may waive a predetermined fee charged to the transfer requester in association with the execution of the transfer process.

[0048] In addition, the determination unit 132 may reduce or waive a specified fee charged to the transfer requester in relation to the execution of the transfer process, depending on the number of transfer transactions in which a virtual account is specified as the transfer destination during a specified period.

[0049] Furthermore, the determination unit 132 may refund, for each transfer transaction, a cash amount equivalent to a predetermined fee charged to the transfer requester in relation to the execution of the transfer transaction, to the bank account held by the transfer requester.

[0050] In addition, the determination unit 132 may refund, for each transfer transaction, electronic money equivalent to a specified fee charged to the transfer requester in connection with the execution of the transfer transaction, to a corporate account held by the transfer requester in the electronic payment service.

[0051] Furthermore, the determination unit 132 may determine whether or not to grant the predetermined benefit based on information indicating the purpose of use of the virtual account.

[0052] (Regarding the transfer processing unit 133) The transfer processing unit 133 executes a transfer process according to the transfer request. For example, the transfer processing unit 133 executes a transaction process in which the transfer specified amount specified in the transfer request and a predetermined fee associated with the transfer process are withdrawn, and the withdrawn transfer specified amount is transferred to a real account of the service provider UA linked to the virtual account of the transfer destination specified in the transfer request. The transfer processing unit 133 transfers the predetermined fee associated with the transfer process to a predetermined account held by the bank Y. In addition, when the determination unit 132 determines that the predetermined fee charged to the transfer request source in association with the execution of the transfer process is to be waived or reduced as a predetermined benefit to be given to the transfer request source, the transfer processing unit 133 executes a transfer process that reflects the determination made by the determination unit 132.

[0053] [3. Example of processing procedure] Hereinafter, the flow of information processing executed by the information processing device 100 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a flowchart showing an example of a processing procedure of information processing executed by the information processing device 100 according to the embodiment. The processing procedure shown in Fig. 4 is executed by the control unit 130 included in the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 4 while the information processing device 100 is operating.

[0054] As shown in FIG. 4, the determination unit 131 determines whether or not a transfer request has been accepted (step S101).

[0055] When the determination unit 131 determines that the transfer request has been accepted (step S101; Yes), it determines whether the transfer destination account specified in the transfer request is a valid virtual account (step S102). Specifically, the determination unit 131 refers to the account information and determines whether the transfer destination account is a virtual account assigned to the service user UB by the service provider UA, that is, an activated virtual account.

[0056] Furthermore, if the judgment unit 131 judges that the transfer destination account specified in the transfer request is a valid virtual account (step S102; Yes), the determination unit 132 determines a predetermined profit to be granted to the transfer requester in association with the transfer process executed in response to the transfer request (step S103).

[0057] Furthermore, the transfer processing unit 133 executes the transfer process associated with the transfer request accepted in step S101 (step S104), and ends the processing procedure shown in Fig. 4. When the determination unit 132 determines that a predetermined fee to be charged to the transfer requester in association with the execution of the transfer process will be waived or reduced as a predetermined benefit to be given to the transfer requester, the transfer processing unit 133 executes the transfer process reflecting the determination made by the determination unit 132.

[0058] 4. Modifications (4-1. Withdrawals from virtual accounts for different purposes) In the above embodiment, when the information processing device 100 pays out a virtual account to the service provider UA, the information processing device 100 may pay out a virtual account corresponding to the purpose of use designated by the service provider from among a plurality of virtual accounts prepared in advance for each purpose of use. For example, when the information processing device 100 receives a request to lend a virtual account whose purpose of use is to receive salary from the payment server 20, the information processing device 100 may pay out a virtual account corresponding to the purpose of use: "receive salary" to the service provider UA by linking it to the real account of the service provider UA. Then, the information processing device 100 stores information indicating a real account number that identifies the real account of the service provider UA and information indicating a virtual account number that identifies the virtual account paid out to the service provider UA in association with each other in the storage unit. In this way, the information processing device 100 manages the status of the virtual account paid out to the service provider UA by purpose of use.

[0059] (4-2. Transfer in foreign currency) In the above embodiment, the information processing device 100 may provide the service provider UA with a virtual account for accepting foreign currency transfers. In this case, the information processing device 100 may execute a transfer process after converting the foreign currency transferred to the virtual account into Japanese currency based on a setting made in advance by the service provider UA, or may execute a transfer process in foreign currency. Note that when executing a transfer process in foreign currency, it is assumed that the service provider UA has a foreign currency deposit account in bank Y.

[0060] (4-3. System configuration, etc.) In the above-described embodiment, the information processing device 100 constituting the information processing system SYS according to the embodiment may be configured to include multiple servers in which processing functions for executing processing related to normal business operations and processing functions for executing information processing according to the embodiment are functionally or physically distributed.

[0061] 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.

[0062] 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.

[0063] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0064] 5. Effects As described above, the information processing device 100 according to the embodiment is an information processing device that executes processing related to transaction operations including settlement between accounts, and includes a judgment unit 131 and a decision unit 132. When a transfer request is received, the judgment unit 131 judges whether or not the transfer destination account specified in the transfer request is an account for paying out to a predetermined business providing an electronic payment service, and is a virtual account that the predetermined business assigns to the service user as a receiving account for the service user who uses the electronic payment service to receive remittance to himself / herself in the form of electronic money. When the judgment unit 131 judges that the transfer destination account is a virtual account, the decision unit 132 determines a predetermined profit to be granted to the transfer requester in association with the transfer processing executed in response to the transfer request.

[0065] In this way, the information processing device 100 according to the embodiment determines a predetermined profit to be given to the business entity UC that requested the transfer when the transfer destination account is a valid virtual account paid out to the service business entity UA. Therefore, the information processing device 100 can give the business entity UC, which is the transfer source of the salary, the benefit associated with the introduction of digital salary payment, and can create an opportunity for the business entity UC to positively consider the introduction of services related to digital salary payment. Thus, the information processing device 100 according to the embodiment can promote the use of services related to digital salary payment.

[0066] Furthermore, the determination unit 132 may waive a predetermined fee charged to the transfer requester in association with the execution of the transfer process.

[0067] In addition, the determination unit 132 may reduce or waive a specified fee charged to the transfer requester in relation to the execution of the transfer process, depending on the number of transfer transactions in which a virtual account is designated as the transfer destination during a specified period.

[0068] Furthermore, the determination unit 132 may refund, for each transfer transaction, a cash amount equivalent to a predetermined fee charged to the transfer requester in relation to the execution of the transfer transaction, to the bank account held by the transfer requester.

[0069] In addition, the determination unit 132 may refund, for each transfer transaction, electronic money equivalent to a specified fee charged to the transfer requester in connection with the execution of the transfer transaction, to a corporate account held by the transfer requester in the electronic payment service.

[0070] In this manner, the information processing device 100 according to the embodiment can provide benefits to the transfer requester in various forms.

[0071] The determination unit 132 may determine whether to grant a predetermined benefit based on information indicating the purpose of use of the virtual account. This allows the information processing device 100 according to the embodiment to limit the circumstances in which the predetermined benefit is granted to the transfer requester.

[0072] [6. Hardware Configuration] Moreover, the information processing device 100 according to the above-described embodiment or modification is realized, for example, by a computer 1000 having a configuration as shown in Fig. 5. Fig. 5 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 100 according to the embodiment or modification.

[0073] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090.

[0074] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050 and programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, etc.

[0075] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), a registered trademark. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0076] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0077] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0078] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0079] For example, when the computer 1000 functions as the information processing device 100 according to the embodiment or the modification, the arithmetic device 1030 of the computer 1000 executes a program (e.g., an information processing program) loaded onto the primary storage device 1040, thereby realizing a function similar to that of the control unit 130. That is, the arithmetic device 1030 cooperates with the program (e.g., an information processing program) loaded onto the primary storage device 1040 to realize the processing by the information processing device 100 according to the embodiment or the modification.

[0080] [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.

[0081] Further, the information processing device 100 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing to realize some functions.

[0082] 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]

[0083] SYS Information Processing System 10 Operator equipment 20 Payment Server 100 Information processing device 110 Communications Department 120 Storage section 121 Account information storage unit 130 Control section 131 Judgment section 132 Decision Section 133 Transfer Processing Unit

Claims

1. An information processing device managed by a bank, which performs processing related to transaction operations, including settlements between accounts, When a transfer request is received, a determination unit determines whether the bank account to which the transfer is made in the transfer request is the virtual account, by referring to account information that stores information for identifying a virtual account that is prepaid to a designated business operator that provides electronic payment services to service users, and which the designated business operator assigns to the service user as a receiving account for the service user to receive remittances addressed to the service user in electronic money. If the determination unit determines that the recipient bank account is a virtual account, the determination unit determines a predetermined benefit to be granted to the transfer requester in connection with the transfer process executed in response to the transfer request, based on information indicating the purpose of use of the virtual account. An information processing device characterized by having the following features.

2. The aforementioned determination unit, On the condition that the purpose of use is to receive salary, it is decided to grant the aforementioned predetermined benefit to the transfer requestor. The information processing apparatus according to feature 1.

3. The aforementioned determination unit, As a predetermined benefit, it is decided to waive the predetermined fees charged to the transfer requesting party in connection with the execution of the transfer process. The information processing apparatus according to feature 1.

4. The aforementioned determination unit, As a predetermined benefit, it is decided to reduce or waive the predetermined fee charged to the transfer requester in connection with the execution of the transfer process. The information processing apparatus according to feature 1.

5. The determination unit is The cash equivalent to the aforementioned prescribed fee will be refunded to the bank account of the person who made the transfer. The information processing apparatus according to feature 3 or 4.

6. The aforementioned determination unit, If the remitter has a corporate account for using the electronic payment service, the electronic money equivalent to the prescribed fee will be refunded to the corporate account. The information processing apparatus according to feature 5.

7. Account information storage unit for storing the account information It further possesses, The aforementioned account information storage unit is The system stores information indicating the purpose of use of the virtual account received from the aforementioned designated business operator, in association with the information for identifying the aforementioned designated business operator. The information processing apparatus according to feature 1.

8. An information processing method performed by a computer managed by a bank and which performs processing related to transaction operations, including settlements between accounts, When a transfer request is received, the system performs a determination step of determining whether the bank account to which the transfer is made in the transfer request is the virtual account, by referring to account information that stores information for identifying a virtual account that is prepaid to a designated business operator that provides electronic payment services to service users, and which the designated business operator assigns to the service user as a receiving account for the service user to receive remittances addressed to the service user in electronic money. If the determination step determines that the recipient bank account is a virtual account, a determination step is made to determine a predetermined benefit to be granted to the transfer requester in connection with the transfer process executed in response to the transfer request, based on information indicating the purpose of use of the virtual account. An information processing method characterized by including

9. Computers managed by banks that process transactions, including inter-account settlements, When a transfer request is received, a determination procedure is performed to determine whether the bank account to which the transfer is made in the transfer request is the virtual account, by referring to account information that stores information for identifying a virtual account that is prepaid to a designated business operator that provides electronic payment services to service users, and which the designated business operator assigns to the service user as a receiving account for the service user to receive remittances addressed to the service user in electronic money. If the above determination procedure determines that the recipient bank account is a virtual account, a determination procedure is performed to determine a predetermined benefit to be granted to the transfer requester in connection with the transfer process executed in response to the transfer request, based on information indicating the purpose of use of the virtual account. An information processing program characterized by causing the execution of [a specific action].

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