Information processing apparatus, information processing method, and information processing program

Abstract

To appropriately pay a commission for charging a balance to an electronic money account.SOLUTION: An information processing apparatus according to the present invention comprises a specifying unit and a payment processing unit. When a charge request for charging a balance from a prescribed fund source to an electronic money account of a user is made through a payment application, the specifying unit specifies a commission for balance charge. The payment processing unit pays the commission specified by the specifying unit.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] Conventionally, there is a technology for charging a user's electronic money account from the account balance of a bank account. As such a technology, for example, an auto-charge technology has been proposed that automatically charges the balance when the balance of an electronic money account falls below a predetermined threshold (for example, see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-102822 A Summary of the Invention [Problem to be solved by the invention]

[0004] For example, when topping up an electronic money account, a fee may be charged depending on the source of the charge. However, the prior art is silent on the fees charged when topping up an account, and so there is a demand for technology that properly settles these fees.

[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 appropriately settle fees when topping up an electronic money account. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objective, the information processing device of the present invention includes an identification unit that identifies a fee for topping up a balance when a top-up request to top up a balance from a specified fund source to a user's electronic money account is made through a payment app, and a payment processing unit that settles the fee identified by the identification unit. Effect of the Invention

[0007] According to the present invention, the fee for recharging an electronic money account can be appropriately settled. [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 block 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 information stored in an account information storage unit according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a transition of screens displayed in the payment application according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of a transition of screens displayed in the payment application according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of a timing chart of the process executed by the system according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of a timing chart of the process executed by the system according to the embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of a timing chart of the process executed by the system according to the embodiment. [Figure 9] FIG. 9 is a diagram illustrating an example of a fee table according to the embodiment. [Figure 10] FIG. 10 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. Note that the information processing according to the embodiment is realized by an information processing device 1 shown in Fig. 1.

[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] 1 is a server device operated by a telecommunications carrier of the user terminal 100. For example, the carrier server 300 manages various payments, such as carrier payments, made by the user U.

[0014] 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.

[0015] 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.

[0016] 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.

[0017] 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.

[0018] 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.

[0019] 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.

[0020] 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.

[0021] By the way, carrier payment is one of the methods by which user U charges the balance of an electronic money account. In this case, a charge fee is incurred depending on the charge source. For example, if 10,000 yen is charged and a charge fee of 150 yen is incurred, user U charges 10,150 yen including the fee, and 10,000 yen is charged to user U's electronic money account.

[0022] In this way, if an additional fee is charged from the user U, there is a risk that the amount of money that the user U charges to his / her electronic money account will decrease.

[0023] Therefore, in this embodiment, the fee incurred in recharging is settled with electronic money. Specifically, as shown in Fig. 1, the information processing device 1 receives a recharge request from the user terminal 100 (step S1).

[0024] For example, the user U can make a charge request through a payment application pre-installed in the user terminal 100, and the information processing device 1 accepts the charge request made through the payment application.

[0025] As will be described later, when making a charge request, user U selects the fund source from which the charge will be made and specifies the charge amount. Note that in this embodiment, a case will be described in which the fund source is carrier payment by a communications carrier, but fund sources also include bank withdrawals, credit card payments, and exchange of points awarded to an electronic money account.

[0026] Next, the information processing device 1 identifies the fee incurred for the charge request received from the user terminal 100 (step S2). For example, the information processing device 1 multiplies the charge amount by a predetermined rate to identify the fee. In the following, the charge amount is described as "10,000 yen" and the fee is "150 yen." As will be described later, the fee may be calculated on the user terminal 100 side or on the carrier server 300 side.

[0027] Next, the information processing device 1 notifies the carrier server 300 of the charge amount (step S3). Next, the information processing device 1 receives the remittance of the charge amount from the carrier server 300 (step S4).

[0028] Next, the information processing device 1 settles the fee with the electronic money of the user U (step S5). For example, the information processing device 1 settles the fee by deducting the fee of "150 yen" from the account balance of the user U's electronic money account.

[0029] Next, the information processing device 1 charges the balance of the electronic money account of the user U by adding the charge amount of "10,000 yen" to the account balance (step S6). After that, the carrier server 300 bills the user U for the charge amount together with the mobile phone charge (step S6).

[0030] In this way, the information processing device 1 identifies the fee incurred in response to the recharge request and performs settlement for the identified fee. Therefore, according to the information processing device 1 according to the embodiment, it is possible to appropriately settle the fee when recharging the balance of an electronic money account.

[0031] [2. Information Processing Device] Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 2. Fig. 2 is a block diagram showing a configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 2, the information processing device 1 includes a communication unit 2, a storage unit 3, and a control unit 4. Note that the information processing device 1 may also include an input unit (e.g., a keyboard, a mouse, etc.) that receives various operations from an administrator who uses the information processing device 1, and a display unit (e.g., a liquid crystal display, etc.) that displays various information.

[0032] The communication unit 2 is realized by, for example, a network interface card (NIC) etc. The communication unit 2 is connected to a communication network such as 4G (4th Generation) or 5G (5th Generation) by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the carrier server 300, etc. via the communication network.

[0033] 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.

[0034] The account information storage unit 31 stores account information related to the electronic money account of each user U. Fig. 3 is a diagram showing an example of information stored in the account information storage unit 31 according to the embodiment. As shown in Fig. 3, the account information storage unit 31 stores information items such as "account ID", "owner information", "account balance", and "charging source information" in association with each other.

[0035] "Account ID" is an identifier for identifying each electronic money account. "Owner information" is information about the owner of the electronic money account identified by the corresponding account ID. For example, the owner information includes various information registered by the user U in the information processing device 1, such as name, age, address, occupation, annual income, family composition, etc.

[0036] "Account balance" indicates the account balance of an electronic money account identified by a corresponding account ID. "Charge source information" is information about a charge source that charges an electronic money account identified by a corresponding account ID, and is information about a charge source that has already been registered by a user. For example, when user U registers a bank account, a communication carrier, etc. as a charge source for an electronic money account, such information is registered in "charge source information."

[0037] Returning to the explanation of Fig. 2, the control unit 4 will be explained. 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 (corresponding to an example of an information processing program) stored in a storage device inside the information processing device 1 using a RAM as a working area. The control unit 4 is also, for example, a controller, and is realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0038] As shown in Fig. 2, the control unit 4 includes a display control unit 41, a reception unit 42, an identification unit 43, and a payment processing unit 44, and realizes or executes the functions and actions of information processing described below. Note that the internal configuration of the control unit 4 is not limited to the configuration shown in Fig. 2, and may be other configurations as long as they perform the information processing described below. Also, the connection relationship between the processing units of the control unit 4 is not limited to the connection relationship shown in Fig. 2, and may be other connection relationships.

[0039] The display control unit 41 performs various display controls of the payment application installed in the user terminal 100. For example, the display control unit 41 controls various UIs when the user U makes a charge request via the payment application. The screen of the payment application controlled by the display control unit 41 will be described later with reference to FIG.

[0040] The reception unit 42 receives a charge request from the user U through the user terminal 100. The reception unit 42 receives a charge request from the user U through a payment application installed in the user terminal 100.

[0041] Here, the screen transition of the payment app regarding a charge request will be described with reference to Fig. 4 and Fig. 5. Fig. 4 and Fig. 5 are diagrams showing an example of the screen transition displayed in the payment app according to the embodiment. When the user U makes a charge request using the payment app installed in the user terminal 100, the payment app displays the screen SC11 shown in Fig. 4.

[0042] Screen SC11 is a screen when user U selects a charge method, where "AAA Bank" is displayed in display area AR1 as the charge method, and "ABC Mobile One-time Payment" is displayed in display area AR2 as the charge method. Also, in screen SC11, display area AR2 displays that the charge fee for "ABC Mobile One-time Payment" is 1.50%.

[0043] Here, the explanation will be continued on the assumption that the user U selects "ABC mobile lump sum payment" on the screen SC11. When the user U selects "ABC mobile lump sum payment" on the screen SC11, the payment application displays a screen SC12.

[0044] Screen SC12 is an input screen for the recharge amount. A display area AR11 of screen SC12 displays input items for the user U to input the recharge amount. A display area AR12 of screen SC12 displays the recharge method selected by the user U, and a display area AR13 of screen SC12 displays check boxes for the user U to select the settlement method for the fee incurred when recharging the balance of electronic money.

[0045] The user U can select whether or not to pay only the fee amount with electronic money by checking the check box in the display area AR13. Also, the charge amount (here, 10,000 yen) is displayed in the display area AR14 of the screen SC12.

[0046] When the user U unchecks the check box in the display area AR13, a screen SC13 shown in Fig. 5 is displayed. As shown in Fig. 5, the charge amount including the fee (10,150 yen in this example) is displayed on the screen SC13.

[0047] In this way, the payment app provides a UI that allows user U to select whether or not to pay the fee with electronic money when making a charge request. In other words, by providing user U with a UI that allows user U to select a payment method for the fee, user U can arbitrarily select the payment source for the fee.

[0048] Returning to the explanation of Fig. 2, the specification unit 43 will be described below. The specification unit 43 specifies a charge for recharging the balance when a recharge request for recharging the balance of a user's electronic money account from a predetermined fund source is made through a payment application.

[0049] For example, the specification unit 43 specifies the fee by multiplying the charge amount specified by the charge request by a predetermined rate. In this case, the specification unit 43 specifies the fee by multiplying the charge amount specified by the user U by, for example, 1.5%.

[0050] Furthermore, the specification unit 43 specifies the fee corresponding to the charge amount specified in the charge request by referring to a fee table relating to the charge. A specific example of the fee table will be described later with reference to FIG.

[0051] In addition, the specification unit 43 specifies the fee upon receiving notification of the fee calculated by the fund source or the payment application. That is, the fee may be calculated by the payment application or the carrier server 300.

[0052] The payment processing unit 44 settles the fee identified by the identification unit 43. For example, the payment processing unit 44 settles the fee by deducting the fee from the account balance of the electronic money account. For example, assume that the charge amount is "10,000 yen" and the fee is "150 yen." In this case, the payment processing unit 44 deducts 150 yen from the electronic money balance and adds 10,000 yen to the electronic money balance, thereby charging the electronic money balance.

[0053] Furthermore, the payment processing unit 44 may settle the fee by charging the amount obtained by deducting the fee from the charge amount specified in the charge request to the electronic money account.

[0054] [3. Processing flow] Here, the process executed by the information processing device 1 will be specifically described with reference to Fig. 6 to Fig. 8. Fig. 6 to Fig. 8 are diagrams showing an example of a timing chart of the process executed by the system according to the embodiment.

[0055] First, each process when the carrier operator bills the information processing device 1 for a fee will be described with reference to Fig. 6. As shown in Fig. 6, first, the user specifies the charge amount on the user terminal 100 (step S11).

[0056] Next, the user terminal 100 calculates the fee (step S12). In the following, it is assumed that the charge amount is "10,000 yen" and the charge fee is "150 yen." Next, the user terminal 100 displays the total charge amount and the charge fee ("10,150 yen") (step S13), and transmits an instruction message regarding the charge to the information processing device 1 (step S14).

[0057] The information processing device 1, which has received the instruction message, requests the carrier server 300 to bill the charge amount plus the handling fee (step S15). Based on the billing request, the carrier server 300 notifies the information processing device 1 of a settlement message for the charge amount (step S16). Note that step S16 may be interpreted as depositing the charge amount.

[0058] Furthermore, the carrier server 300 bills the information processing device 1 for the fee (step S17). The information processing device 1 settles the fee with electronic money (step S18) and charges the electronic money account (step S19). At this time, the carrier server 300 adds the charge amount to the billed amount (step S20).

[0059] Then, the information processing device 1 notifies the user terminal 100 of the completion of the balance charge (step S21), and notifies the carrier server 300 of a fee settlement message (step S22). Note that step S22 may be interpreted as depositing the fee.

[0060] Next, a pattern in which the information processing device 1 calculates the fee based on the rate will be described with reference to Fig. 7. Note that since steps S11 to S14 shown in Fig. 7 have already been described in Fig. 6, the description will start from step S31.

[0061] The information processing device 1 calculates the billing amount so that the billing amount from the carrier server 300 will be 10,000 yen including the handling fee (step S11). That is, in this case, the information processing device 1 calculates "10,000 yen = 9,853 yen x (100% + 1.5%)".

[0062] Next, the information processing device 1 bills the carrier server 300 for the charge amount (9,853 yen) (step S32), and the carrier server 300 notifies the information processing device 1 of a payment message for the charge amount specified by the information processing device 1 (step S33).

[0063] Next, the information processing device 1 calculates the fee based on the charge amount (step S34). Here, the information processing device 1 calculates the fee as 9853 yen×1.5%=147 yen.

[0064] Next, the information processing device 1 settles the fee (147 yen) with electronic money (step S35). That is, in the case of Fig. 7, the fee calculated by the user terminal 100 in step S12 is "150 yen," and the fee calculated by the information processing device 1 in step S34 is "147 yen." Therefore, the information processing device 1 refunds the difference, "150 yen - 147 yen = 3 yen," to the user.

[0065] Thereafter, the information processing device 1 charges the electronic money account with 10,000 yen (step S36), and the carrier server 300 adds the charge amount plus a handling fee to the billing amount (step S37). Then, the information processing device 1 notifies the user terminal 100 of the completion of the balance charge (step S38).

[0066] Next, a process for identifying a fee based on a fee table will be described with reference to Fig. 8. Note that Fig. 8 describes a case where 10,000 yen is charged as pattern A and a case where 10,500 yen is charged as pattern B.

[0067] As shown in FIG. 8, when the user specifies a recharge amount on the user terminal 100 (step S41), the user terminal 100 calculates a fee (step S42) and displays the total amount (recharge amount+fee) (step S43).

[0068] At this time, the user terminal 100 calculates the fee by referring to a fee table as shown in Fig. 9. Fig. 9 is a diagram showing an example of the fee table according to the embodiment. As shown in Fig. 9, the fee table is a table showing the relationship between a "charge amount" and a "fee."

[0069] The example shown in Figure 9 shows that the "charge amount" is classified into "1 to 5,499 yen," "5,500 to 10,499 yen," "10,500 to 30,499 yen," "30,500 to 100,499 yen," and "100,500 yen or more," and the "fees" are "100 yen," "150 yen," "200 yen," "250 yen," and "300 yen," respectively.

[0070] As described above, the charge amount for pattern A is "10,000 yen", so the fee is "150 yen", and the charge amount for pattern B is "10,500 yen", so the fee is "200 yen".

[0071] That is, in step S43 of FIG. 8, the user terminal 100 will display the total amount as "10000 yen + 150 yen = 10150 yen" in pattern A, and "10500 yen + 200 yen = 10700 yen" in pattern B.

[0072] Next, the user terminal 100 transmits an instruction message regarding charging to the information processing device 1 (step S44). That is, in pattern A, an instruction message of a total amount of "10150 yen" is transmitted, and in pattern B, an instruction message of a total amount of "10700 yen" is transmitted.

[0073] The information processing device 1 calculates the billing amount so that the billing amount is the charge amount including the handling fee (step S45). That is, in the pattern A, the billing amount is calculated as "10000 yen = 9850 yen + 150 yen", and in the pattern B, the billing amount is calculated as "10500 yen = 10300 yen + 200 yen".

[0074] Next, the information processing device 1 bills the carrier for the charge amount (step S46). That is, the information processing device 1 bills "9850 yen" in the pattern A and "10300 yen" in the pattern B.

[0075] Thereafter, the carrier transmits a payment message of the charge amount to the information processing device 1 (step S47). The carrier transmits a payment message of "9850 yen" in pattern A and "10300 yen" in pattern B.

[0076] Next, the information processing device 1 calculates the fee based on the charge amount (step S48) and settles the fee with electronic money (step S49). For example, the fee is calculated based on the fee table in Fig. 9, and the fee for pattern A is "150 yen" and the fee for pattern B is "200 yen".

[0077] Thereafter, the information processing device 1 charges the electronic money account (step S50), and the carrier adds the charge amount plus a handling fee to the billing amount (step S51). The information processing device 1 then notifies the user that the charge has been completed (step S52), and ends the process.

[0078] 4. Modifications In the above embodiment, the case where the information processing device 1 charges the balance of an electronic money account has been described, but the present invention is not limited to this. For example, the present invention may also be applied to a case where the point balance of various EC sites is charged.

[0079] 5. Effects The information processing device 1 according to the embodiment includes an identification unit 43 that identifies a fee for topping up the balance when a top-up request to top up the balance of a user's electronic money account from a specified fund source is made through a payment app, and a payment processing unit 44 that settles the fee identified by the identification unit 43.

[0080] The specifying unit 43 also specifies a fee based on carrier billing by a communications carrier as a fund source. The specifying unit 43 also specifies the fee by multiplying the charge amount specified by the charge request by a predetermined rate.

[0081] The specification unit 43 also specifies the fee corresponding to the charge amount specified by the charge request by referring to a fee schedule related to the fee. The payment processing unit 44 also settles the fee by subtracting the fee from the account balance of the electronic money account. The payment processing unit 44 also settles the fee by charging the amount obtained by subtracting the fee from the charge amount specified by the charge request to the electronic money account.

[0082] Furthermore, information processing device 1 includes a display control unit that displays a button for designating whether or not the fee is to be paid using the account balance of the electronic money account when the user makes a charge request using the payment application.

[0083] By using any one or a combination of the above-mentioned processes, the information processing device according to the present application can properly settle the fee when recharging the balance of an electronic money account.

[0084] [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. 10. Fig. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 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.

[0085] 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.

[0086] 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.

[0087] 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. 10, 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.

[0088] 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.

[0089] For example, when the computer 1000 functions as an information processing device 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.

[0090] [7. Other] Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. The above-described components include those that can be easily imagined by a person skilled in the art, those that are substantially the same, and those that are within the so-called equivalent range. Furthermore, the above-described components can be appropriately combined. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the spirit of the above-described embodiments.

[0091] Furthermore, among the processes described in the above embodiments, 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.

[0092] 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.

[0093] For example, the above-mentioned information processing device may be realized using multiple server computers, and depending on the functions, the configuration can be flexibly changed, such as by calling an external platform using an API (Application Programming Interface) or network computing.

[0094] Furthermore, the above-described embodiments and modifications can be appropriately combined as long as the processing contents are not contradictory.

[0095] 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]

[0096] 1. Information processing device 2. Communications Department 3 Storage section 4. Control section 31 Account information storage unit 41 Display control unit 42 Reception 43 Specific part 44 Payment processing section 100 user terminals 300 Carrier Server

Claims

1. an identification unit that identifies a charge for a charge to a balance when a charge request for charging a balance to a user's electronic money account from a predetermined fund source is made through a payment application; a payment processing unit that settles the fee specified by the specification unit; An information processing device comprising:

2. The identification unit is Identifying the commission by carrier billing of a communications carrier as the fund source.

2. The information processing apparatus according to claim 1,

3. The identification unit is receiving notification of the fee calculated by the fund source or the payment application and identifying the fee; 2. The information processing apparatus according to claim 1,

4. The identification unit is Multiplying the charge amount specified by the charge request by a predetermined rate to determine the charge.

2. The information processing apparatus according to claim 1,

5. The identification unit is Refer to a fee schedule for the fee to identify the fee corresponding to the charge amount specified by the charge request.

2. The information processing apparatus according to claim 1,

6. The payment processing unit, Settlement of the fee by deducting the fee from the balance of the electronic money account.

2. The information processing apparatus according to claim 1,

7. The payment processing unit, Settlement of the fee by charging the electronic money account with the amount obtained by deducting the fee from the charge amount specified in the charge request.

2. The information processing apparatus according to claim 1,

8. a display control unit that displays a button for designating whether or not the fee is to be paid from the account balance of the electronic money account when the user makes a charge request with the payment application; To be prepared 2. The information processing apparatus according to claim 1,

9. 1. A computer-implemented information processing method, comprising: a step of identifying a charge for recharging a balance when a recharge request for recharging a balance from a predetermined fund source to a user's electronic money account is made through a payment application; a payment processing step of paying the fee identified by the identification step; 13. An information processing method comprising:

10. a step of identifying a charge for a recharge to a user's electronic money account when a recharge request is made through a payment application from a predetermined fund source; a payment processing step of paying the fee specified by the specification step; An information processing program characterized by causing a computer to execute the above.

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