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

Abstract

To appropriately control the execution of payments using a management entity account.SOLUTION: An information processing device (10) includes: an association management unit configured to manage association information linking a first account with a second account to be managed by the first account; an acquisition unit configured to acquire setting information regarding a settlement method between the first account and the second account; a settlement management unit configured to manage settlement information regarding the settlement between the first account and the second account using the settlement method set based on the setting information; and a control unit configured to control, when a payment using the second account is requested, the execution of the payment based on the settlement information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Conventionally, a method for executing payments using a sub-account within the scope of a main account has been known (for example, Patent Document 1). For example, Patent Document 1 describes a system in which at least one payment method (for example, a credit card or a bank account) is registered to a main account used on a parent's terminal, while a sub-account registered to the main account and used on a child's terminal is set up so that some of the payment methods registered to the main account can be used, and payments can be executed using the sub-account only within the scope of the set payment methods. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-82284 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the system described in Patent Document 1 does not anticipate changes in the relationship between the managing entity account (e.g., main account, hereinafter referred to as "managing entity account") and the accounts that are the targets of management by the managing entity account (e.g., sub-accounts, hereinafter referred to as "managed accounts"). For this reason, if the relationship between the managing entity account and the managed accounts changes due to various factors, such as changing the managed account to an account that is not managed by the managing entity account (hereinafter referred to as "normal account"), there is a risk that the execution of payments using the managed accounts may not be properly controlled.

[0005] The present disclosure has been made in consideration of such circumstances, and one of its objectives is to provide an information processing program, an information processing device, and an information processing method that can appropriately control the execution of payments using managed accounts. [Means for solving the problem]

[0006] An information processing program according to one embodiment of the present disclosure causes one or more computers to function as an association management unit that manages association information associating a first account with a second account that is managed by the first account, an acquisition unit that acquires setting information regarding the settlement method between the first account and the second account, a settlement management unit that manages settlement information regarding the settlement between the first account and the second account using the settlement method set based on the setting information, and a control unit that, when a settlement using the second account is requested, controls the execution of the settlement based on the settlement information.

[0007] An information processing device according to another aspect of the present disclosure includes an association management unit that manages association information associating a first account with a second account that is managed by the first account, an acquisition unit that acquires setting information regarding a settlement method between the first account and the second account, a settlement management unit that manages settlement information regarding settlement between the first account and the second account using the settlement method set based on the setting information, and a control unit that, when a payment using the second account is requested, controls the execution of the payment based on the settlement information.

[0008] An information processing method according to another aspect of the present disclosure includes an information processing device that manages association information associating a first account with a second account that is managed by the first account, obtains setting information regarding a settlement method between the first account and the second account, manages settlement information regarding settlement between the first account and the second account using the settlement method set based on the setting information, and, when a payment using the second account is requested, controls the execution of the payment based on the settlement information. [Effects of the Invention]

[0009] According to one aspect of the present disclosure, it is possible to appropriately control the execution of payments using managed accounts. [Brief explanation of the drawings]

[0010] [Figure 1] 10 is a conceptual diagram illustrating an example of a change in the relationship between a management subject account and a managed account according to the embodiment. FIG. [Figure 2] 1 is a diagram illustrating an example of a schematic configuration of an information processing system 1 according to the present embodiment. [Figure 3] 2 is a diagram illustrating an example of a hardware configuration of each device in the information processing system 1 according to the present embodiment. FIG. [Figure 4] 1 is a diagram illustrating an example of a functional configuration of an information processing system 1 according to the present embodiment. [Figure 5] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 6] FIG. 10 is a diagram illustrating an example of association information according to the embodiment. [Figure 7] FIG. 10 is a diagram showing an example of settlement information according to the embodiment. [Figure 8] FIG. 2 is a diagram illustrating an example of a first operation of the information processing system 1 according to the present embodiment. [Figure 9] FIG. 10 is a diagram illustrating an example of a second operation of the information processing system 1 according to the present embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of a third operation of the information processing system 1 according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] An information processing system according to an embodiment of the present invention will be described in detail below with reference to the drawings. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0012] (overview) FIG. 1 is a conceptual diagram of an example of an information processing system according to this embodiment. As shown in FIG. 1, a payment method is set for each account managed by the information processing device 10 by the business that provides the account. In this embodiment, the payment method is set for each account by the business, and is, for example, a credit card, a debit card, or a prepaid card. For example, in FIG. 1, a credit card is set as the payment method for account #1 by business device 30X of business X. On the other hand, a credit card is set as the payment method for account #2 by business device 30Y of business Y.

[0013] Furthermore, the information processing device 10 manages, in association with each other, account #1 as a managing entity account that serves as a managing entity among the multiple accounts, and account #2 as a managed account that is to be managed by the managing entity account. For example, in Fig. 1, the information processing device 10 registers accounts #1 and #2 as a managing entity account and a managed account, respectively, based on registration information from terminal 20A that uses account #1, and associates account #1 as the managing entity account with account #2 as a managed account. Note that the managing entity account and the managed account are not limited to registration information from terminal 20A that uses account #1, and may be registered based on registration information from at least one of terminal 20A that uses account #1 and terminal 20B that uses account #2.

[0014] The information processing device 10 acquires information (hereinafter referred to as "setting information") regarding the setting of the settlement method (hereinafter referred to as "settlement method") between the management entity account and the managed account, and manages information (hereinafter referred to as "settlement information") regarding settlement between the management entity account and the managed account based on the settlement method set based on the setting information.

[0015] Here, the settlement method includes, but is not limited to, (1) a charge method in which a predetermined amount is charged in advance from the management entity account to the managed account, (2) a usage limit method in which a usage limit is set for the managed account, and (3) a transfer method in which the payment of the managed account is transferred to the management entity account.

[0016] (2) The credit limit method may include a type in which the managing entity account is responsible for the credits and debts of the managed account and the credit limit includes a credit limit (also called a credit limit management type), and a type in which the credit limit does not include a credit limit (also called a family card type).In addition, (3) the transfer method is a method in which the managed account is responsible for the credits and debts, and transfers the payments of the managed account to the managing entity account based on specified conditions.

[0017] For example, in FIG. 1, accounts #1 and #2 are each set with an independent payment method (here, a credit card). Based on the setting information from terminal 20A, information processing device 10 sets the settlement method between account #1 and account #2 to the charge method. Information processing device 10 may manage information (hereinafter referred to as "charge balance information") relating to the balance charged from account #1 to account #2 (hereinafter referred to as "charge balance") as settlement information between account #1 and account #2. Note that the settlement information is not limited to charge balance information, as will be described later.

[0018] When a payment using a managed account is requested, the information processing device 10 controls the execution of the payment based on the settlement information. For example, when a payment using account #2 whose settlement method has been updated is requested, the information processing device 10 controls the execution of the payment based on the settlement information. For example, when a payment of 500 yen using account #2 is requested, the information processing device 10 determines whether or not to allow the payment of 500 yen using account #2 based on the charge balance information (here, information indicating 7000 yen) as the settlement information. When the payment is executed based on the determination result, the charge balance information may be updated to 6500 yen.

[0019] In the information processing system according to this embodiment, an information processing device 10, separate from the business device 30 that provides each account, manages the managing entity account and the managed account in association with each other, and manages the settlement information between the managing entity account and the managed account. Furthermore, when a payment using a managed account is requested, the information processing device 10 determines whether or not to allow the payment based on the settlement information. Therefore, even if, for example, there is a possibility that the relationship between the managing entity account and the managed account may change, the execution of the payment using the managed account can be appropriately controlled.

[0020] Changes in the relationship between the management entity account and the managed account include, but are not limited to, associating an account that is not managed by the management entity account (hereinafter referred to as a "normal account") as a managed account, or changing a managed account to a normal account and dissolving the association with the management entity account.

[0021] (composition) <Outline configuration> Fig. 2 is a diagram showing a schematic configuration of an information processing system according to this embodiment. As shown in Fig. 2, the information processing system 1 includes an information processing device 10, terminals 20 (e.g., terminals 20A and 20B), and business operator devices 30 (e.g., business operator devices 30X, 30Y, and 30Z), at least two of which are connected via a network 40. Note that the information processing device 10 may include one or more information processing devices. Also, Fig. 2 is merely an example, and the number of terminals 20 and the number of business operator devices 30 are not limited to those shown in the figure.

[0022] The information processing device 10 manages multiple accounts provided to multiple users by one or more businesses. Each account is managed as the managing account, the managed account, or the normal account. The managing account and the managed account may be provided by different businesses or may be provided by the same business.

[0023] Terminal 20 is a user terminal or a terminal (e.g., a store terminal) that performs payment using a user's account, and may be, for example, a smartphone, a tablet, a personal computer, a cash register terminal, etc. An application for using an account may be installed on terminal 20. Terminal 20 may also be configured to enable use of one or more accounts associated with the user.

[0024] The business operator device 30 is one or more information processing devices of a business operator that provides an account. The business operator may be, for example, a financial institution (e.g., a bank, a securities company, a credit card company, etc.), a fund transfer service provider, a business operator that provides a transportation IC card, etc., but is not limited to these, and may be any business operator that provides an account. In addition, the business operator device 30 performs processing related to the settlement of payments using accounts issued by the corresponding business operator with the information processing device 10.

[0025] The network 40 is a wireless and / or wired network, and connects at least two of the information processing device 10, the terminal 20, and the business device 30.

[0026] <Hardware configuration> 3 is a diagram showing an example of the hardware configuration of each device according to this embodiment. Each device (for example, information processing device 10, terminal 20, business device 30, etc.) has a processor 11 such as a CPU (Central Processing Unit) equivalent to a computing device, a storage unit 12, a transmission / reception unit 13, and an input / output unit 14. These components are connected via a bus so as to be able to transmit and receive data to and from each other.

[0027] The processor 11 is, for example, a CPU (Central Processing Unit) and controls each device in the information processing system 1. The processor 11 may execute various processes described in this embodiment by reading and executing a program from the storage unit 12. Each device in the information processing system 1 may be configured with one or more processors 11. Furthermore, each device may be called a computer.

[0028] The storage unit 12 is configured with, for example, storage such as a memory, a hard disk drive (HDD), and / or a solid state drive (SSD), etc. The storage unit 12 may store various information necessary for the processor 11 to execute processing (for example, a program executed by the processor 11, etc.).

[0029] The transceiver 13 is a device that communicates via the network 40 and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transceiver 13 may include a transmitter that transmits various types of information via the network 40 and / or a receiver that receives various types of information via the network 40.

[0030] The input / output unit 14 includes an input unit such as a keyboard, a touch panel, a mouse, and / or a microphone, and an output unit such as a display and / or a speaker. The input unit accepts input of various information from a user. The output unit may also include a display unit that displays various information to the user.

[0031] The physical configuration described above is merely an example. Each device in the information processing system 1 may omit some of the hardware shown in Fig. 3, or may include hardware not shown in Fig. 3. Furthermore, the hardware shown in Fig. 3 may be configured using one or more chips.

[0032] The hardware configuration described above is merely an example. Each information processing device may omit some of the hardware shown in FIG. 3, or may include hardware not shown in FIG. 3. The hardware shown in FIG. 3 may be configured with one or more chips. When an information processing device is configured with multiple devices, each device may include at least some of the hardware.

[0033] <Functional configuration> Fig. 4 is a diagram showing an example of the functional configuration of the information processing device 10 according to this embodiment. As shown in Fig. 4, the information processing device 10 includes an acquisition unit 101, an account management unit 102, an association management unit 103, a settlement management unit 104, and a control unit 105. The account management unit 102, the association management unit 103, and the settlement management unit 104 may be realized by a program executed by the storage unit 12 and the processor 11 of the information processing device 10. The control unit 105 may be realized by a program executed by the processor 11. The acquisition unit 101 may be realized by at least a part of the program executed by the transmission / reception unit 13, the input / output unit 14, and the processor 11 of the information processing device 10.

[0034] The acquisition unit 101 acquires various information from the terminal 20 or the business operator device 30. Specifically, the acquisition unit 101 acquires information relating to the registration of an account (hereinafter referred to as "registration information") from the terminal 20 that uses the account. The acquisition unit 101 may also acquire registration information of a managed account that is to be managed by the management entity account from the terminal 20 that uses the management entity account. The acquisition unit 101 may also acquire registration information of a management entity account that manages the managed account from the terminal 20 that uses the managed account.

[0035] The acquisition unit 101 may also acquire setting information regarding the setting of the settlement method between the management entity account and the managed account. The setting information may indicate at least one of the settlement method and information related to the settlement method (hereinafter referred to as "settlement-related information"). The settlement-related information may be, for example, the charge amount, the amount of the credit limit (hereinafter referred to as the "credit limit amount"), or the upper limit amount of the transfer method.

[0036] The account management unit 102 manages information about each of a plurality of accounts (hereinafter referred to as "account information"). FIG. 5 is a diagram showing an example of account information according to this embodiment. For example, in FIG. 5, the account information includes an account identifier (hereinafter referred to as "account ID"), information about the payment method (hereinafter referred to as "payment method information"), information about the business (hereinafter referred to as "business information"), and information about the user of the account (hereinafter referred to as "user information"). Here, the payment method may be, for example, a credit card, a debit card, prepaid, etc., but is not limited to these. Note that the account information is not limited to that shown in the figure. For example, the payment method information may include a credit card number, a debit card number, etc.

[0037] The association management unit 103 manages association information that associates management entity accounts with managed accounts. Fig. 6 is a diagram showing an example of management of association information according to this embodiment. For example, in the association information shown in Fig. 6, account #1 as the management entity account is associated with accounts #2 and #5 as managed accounts. Similarly, account #3 as the management entity account is associated with account #4 as a managed account. In this way, one management entity account may be associated with one or more managed accounts.

[0038] The association management unit 103 may generate association information that associates the management entity account and the managed account based on at least one of the registration information of the managed account that is the target of management by the management entity account and the registration information of the management entity account that controls the managed account, acquired by the acquisition unit 101.

[0039] The settlement management unit 104 manages settlement information regarding settlement between the management entity account and the managed account based on the setting information acquired by the acquisition unit 101. Here, the settlement between the management entity account and the managed account may include, for example, at least one of (1) settlement of the charge amount from the management entity account to the managed account, and (2) settlement between the management entity account and the managed account for the amount used in payments made using the managed account.

[0040] In addition, the settlement information may be at least one of (1) charge balance information regarding at least one of the charge amount charged from the management entity account to the managed account and the balance of the charge amount, (2) information regarding at least one of the usage limit set for the managed account and the balance of the usage limit (hereinafter referred to as the ``usage limit balance'') (hereinafter referred to as the ``usage limit balance information''), and (3) information regarding at least one of the upper limit amount for transfer of the management entity account to the managed account and the balance of the upper limit amount (hereinafter referred to as the ``transfer balance'') (hereinafter referred to as the ``transfer balance information'').

[0041] For example, the settlement management unit 104 may manage the charge balance information when the settlement method is set to the charge method based on the setting information acquired by the acquisition unit 101. Also, the settlement management unit 104 may manage the usage limit balance information when the settlement method is set to the usage limit method based on the setting information. Also, the settlement management unit 104 may manage the transfer balance information when the settlement method is set to the transfer method based on the setting information.

[0042] Furthermore, the settlement management unit 104 may generate settlement information based on at least one of the payment means of the management entity's account and the payment means of the managed account, in addition to the setting information. For example, if the payment means set in the management entity's account by the business operator is a prepaid or debit card, and the balance of the management entity's account is less than the credit limit amount indicated in the setting information, the settlement management unit 104 may generate credit limit balance information by using the balance of the management entity's account as the credit limit balance.

[0043] Fig. 7 is a diagram showing an example of settlement method information and settlement information according to this embodiment. For example, in Fig. 7, the managing entity account, managed account, settlement method information, and settlement information are associated with each other. Note that Fig. 7 is merely an example and is not limited to this.

[0044] When a payment using a managed account is requested, the control unit 105 controls the execution of the payment using the managed account based on the payment information managed by the payment management unit 104. When the payment is executed based on the determination result, the control unit 105 may update the payment information managed by the payment management unit 104.

[0045] Specifically, when a payment using a managed account is requested, the control unit 105 may determine whether or not the payment using the managed account is possible based on the charge balance information managed by the settlement management unit 104. When the payment is executed based on the determination result, the control unit 105 may update the charge balance information managed by the settlement management unit 104.

[0046] Furthermore, when a payment using a managed account is requested, the control unit 105 may determine whether or not the payment using the managed account is possible based on the credit limit balance information managed by the settlement management unit 104. When the payment is executed based on the determination result, the control unit 105 may update the credit limit balance information managed by the settlement management unit 104.

[0047] Furthermore, when a payment using a managed account is requested, the control unit 105 may determine whether or not the payment using the managed account is possible based on the transfer balance information managed by the settlement management unit 104. When the payment is executed based on the determination result, the control unit 105 may update the transfer balance information managed by the settlement management unit 104.

[0048] (operation) Next, the operation of the information processing system 1 according to this embodiment will be described. Note that Figures 8 to 10 are merely examples, and the order of some steps may be changed, steps not shown may be added, or some steps may be omitted. In Figures 8 to 10, it is assumed that the management entity account and the managed account are associated in advance by the association management unit 103. It is assumed that the management entity account and the managed account are provided by different businesses X and Y, respectively, but this is not limiting, and they may be provided by the same business.

[0049] (1) When the settlement method for the managed account is set to the charge method 8 is a diagram showing an example of a first operation in the information processing system 1 according to this embodiment. The payment method set by business operator X to the managing entity account may be any payment method, such as a credit card, debit card, or prepaid. The payment method set by business operator Y to the managed account is assumed to be other than prepaid. Note that if the payment method of the managed account set in advance by business operator Y is prepaid, steps S101 to S103 may be omitted.

[0050] In step S101, the information processing device 10 acquires setting information requesting that the settlement method between the management entity account and the managed account be set to the charging method. For example, the information processing device 10 acquires the setting information from the terminal 20A that uses the management entity account, but this is not limited to this. For example, in FIG. 8, the setting information may indicate the charging method and the charging amount (7,000 yen in this case) to be charged from the management entity account to the managed account.

[0051] In step S102, the information processing device 10 sets the settlement method of the managed account to the charge method based on the setting information acquired in step S101, and performs a process of setting the settlement method with the business operator device 30Y.

[0052] In step S103, the information processing device 10 generates and manages charge balance information (information indicating 7000 yen in this example) as settlement information based on the setting information.

[0053] In step S104, the terminal 20B requests payment using, for example, the managed account. In step S105, the terminal 20B transmits information related to the payment (hereinafter referred to as "payment information") to the business operator device 30Y. For example, the payment information may include information indicating the amount of payment requested (hereinafter referred to as "requested amount").

[0054] In step S106, the information processing device 10 executes a process (hereinafter referred to as "usage confirmation process") with the business operator device 30Y to confirm whether the requested amount (here, 500 yen) from terminal 20B can be used with the managed account. Specifically, based on the payment information received from terminal 20B, the business operator device 30Y requests the information processing device 10 to confirm whether the requested amount can be used with the managed account, and acquires the confirmation result. The information processing device 10 determines whether payment can be made using the managed account based on the charge balance information. For example, if the requested amount is less than the charge balance, the information processing device 10 determines that the requested amount can be used with the managed account, and if the requested amount exceeds the charge balance, it determines that the requested amount cannot be used with the managed account.

[0055] In step S107, if it is determined in the use confirmation process of step S106 that the requested amount is available from the management entity account, the business operator device 30Y executes payment of the requested amount.

[0056] In step S108, the information processing device 10 updates the charge balance information based on the result of the usage confirmation process in step S106. For example, if the requested amount is 500 yen, the charge balance information is updated so that the requested amount is subtracted from the charge balance of 7,000 yen.

[0057] In step S109, the information processing device 10 performs processing related to settlement between the management entity account and the managed account. Specifically, the information processing device 10 requests the business operator device 30X of the business operator X that provides the management entity account to transfer funds equivalent to the charge amount from the management entity account to the managed account. In step S110, in accordance with the request, processing related to the transfer of funds for the charge amount of 7,000 yen from the management entity account to the managed account is performed between the business operator device 30X and the business operator device 30Y that provides the managed account.

[0058] Steps S109 and S110 may be performed at a predetermined timing, such as monthly or daily, after a number of payments have been made. Alternatively, steps S109 and S110 may be performed immediately after step S102 or S103 (i.e., as soon as charge amount information is acquired).

[0059] As described above, according to the first operation, even if the payment method preset for the managed account is not prepaid, if the settlement method between the managing entity account and the managed account is set to charge, the information processing device 10 manages the charge balance of the managed account, and when executing a payment using the managed account, checks in advance whether the payment can be executed based on the charge balance. This allows for appropriate control of payments using the managed account.

[0060] (2) When updating the settlement method of a managed account to the credit limit method Fig. 9 is a diagram showing an example of a second operation in the information processing system 1 according to this embodiment. The payment means set in advance by businesses X and Y in the managing entity account and the managed account, respectively, may be any payment means, such as a credit card, debit card, or prepaid card. Fig. 9 will mainly explain the differences from Fig. 8.

[0061] In step S201, the information processing device 10 acquires setting information requesting that the settlement method between the managing account and the managed account be set to the credit limit method. For example, in Fig. 9, the setting information may indicate the credit limit method and the credit limit amount (here, 5000 yen) set for the managed account.

[0062] In step S202, the information processing device 10 updates the settlement method between the management entity account and the managed account to the usage limit method based on the setting information acquired in step S201, and performs the settlement method setting process with the business operator device 30Y.

[0063] If the payment method set for the managed account by business Y is prepaid, the information processing device 10 may request the business device 30Y to regard the remaining credit limit as a prepaid balance. Also, if the payment methods for the managing entity account and the managed account set by businesses X and Y are both credit cards, steps S203 and thereafter may be omitted if the credit limit for the managed account is set by business device 30Y.

[0064] In step S203, the information processing device 10 generates and manages credit limit balance information (information indicating 5,000 yen in this case) as settlement information based on the setting information. Furthermore, if the payment method set in the management entity account by business X is a prepaid or debit card, and the balance in the management entity account is less than the credit limit amount indicated in the setting information, the information processing device 10 may generate credit limit balance information using the balance in the management entity account as the credit limit balance.

[0065] Steps S204 to S206 are generally similar to steps S104 to S106 in FIG. 7, but step 206 differs from step S106 in that, for example, if the requested amount is less than the credit limit balance, the information processing device 10 determines that the requested amount is available for use from the managed account, and if the requested amount exceeds the credit limit balance, it determines that the requested amount is not available for use from the managed account.

[0066] In step S207, if the usage confirmation process in step S206 determines that the requested amount is available from the management entity account, the business operator device 30Y requests the business operator device 30X to settle the usage amount using the managed account. Specifically, the business operator device 30Y may transmit settlement information to the business operator device 30X requesting settlement with the management entity account based on the settlement method of the management entity account set by business operator X.

[0067] In step S208, the business operator device 30X performs settlement using the management entity account based on the payment method of the management entity account set by business operator X, based on the request information from business operator device 30X in step S207. For example, if the payment method set in advance by business operator X in the management entity account is a credit card, a credit sale of 500 yen may be made in the management entity account. Also, if the payment method is a debit card, a debit sale of 500 yen may be made in the management entity account.

[0068] In step S209, when the settlement in the business operator device 30X is completed, the information processing device 10 may be notified of settlement information relating to the settlement (for example, information indicating the payment amount of 500 yen).

[0069] In step S210, the information processing device 10 may update the credit limit balance information based on the notification from the business operator device 30X in step S209.

[0070] As described above, according to the second operation, if the settlement method between the managing entity account and the managed account is set to the credit limit method, the information processing device 10 manages the credit limit balance of the managed account, and when a payment using the managed account is requested, checks in advance whether the payment is available based on the credit limit balance. This allows for appropriate control of payments using the managed account.

[0071] (3) When updating the settlement method of a managed account to the transfer method Fig. 10 is a diagram showing an example of a third operation in the information processing system 1 according to this embodiment. In Fig. 10, the settlement method for the managing entity account set by business operator X may be any of a credit card method, a debit card method, and a charge method. The settlement method for the managed account set by business operator Y may be any method other than a transfer method. In Fig. 10, differences from Fig. 8 or Fig. 9 will be mainly explained.

[0072] In step S301, the information processing device 10 acquires setting information requesting that the settlement method between the managing entity account and the managed account be set to the transfer method. For example, the information processing device 10 acquires the setting information from the terminal 20A that uses the managing entity account. For example, in FIG. 10, the setting information may include information indicating the transfer conditions, such as the upper limit amount for transfer of the managed account.

[0073] In step S302, the information processing device 10 sets the settlement method between the management entity account and the managed account to the transfer method based on the update information acquired in step S301, and performs the settlement method setting process with the business operator device 30Y.

[0074] In step S303, the information processing device 10 generates and manages transfer balance information (here, information indicating 5000 yen) as settlement information based on the setting information.

[0075] Steps S304 to S306 are generally similar to steps S104 to S106 in Figure 8, but step 306 differs from step S106 in that, for example, the information processing device 10 may determine that the requested amount is available for use from the managed account if the requested amount is less than the transfer balance, and may determine that the requested amount is not available for use from the managed account if the requested amount exceeds the transfer balance.

[0076] In step S307, if it is determined that the requested amount is available from the management entity account by the usage confirmation process in step S306, the business entity device 30Y executes payment of the requested amount. In step S308, the business entity device 30Y notifies the information processing device 10 of transfer information regarding the transfer to the management entity account.

[0077] In step S309, the information processing device 10 updates the transfer balance information based on the transfer information from the business operator device 30Y in step S308. For example, if the transfer amount is 500 yen, the information processing device 10 updates the transfer balance information so that the transfer amount of 500 yen is subtracted from the transfer balance of 5,000 yen.

[0078] In step S310, the information processing device 10 performs processing related to settlement between the management entity account and the managed account. Specifically, the information processing device 10 requests the business entity device 30X of the business entity X that provides the management entity account to transfer funds from the management entity account to the managed account, based on the transfer information from the business entity device 30Y in step S308. In step S311, in accordance with the request, processing related to the transfer of funds of 500 yen from the management entity account to the managed account is performed between the business entity device 30X and the business entity device 30Y that provides the managed account.

[0079] As described above, according to the third operation, if the settlement method between the managing entity account and the managed account is set to the transfer method, the information processing device 10 manages the transfer balance of the managed account, and when a payment using the managed account is requested, checks in advance whether the payment is available based on the transfer balance. This allows for appropriate control of payments using the managed account.

[0080] As described above, in the information processing system 1 according to this embodiment, the information processing device 10, which is separate from the business device 30 that provides each account, manages the managing entity account and the managed account in association with each other, and manages the settlement information between the managing entity account and the managed account. Furthermore, when a payment using a managed account is requested, the information processing device 10 determines whether or not to allow the payment based on the settlement information. Therefore, for example, even if there is a possibility that the relationship between the managing entity account and the managed account may change, the execution of the payment using the managed account can be appropriately controlled.

[0081] The above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, materials, conditions, shapes, sizes, etc., are not limited to those illustrated and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined with each other.

[0082] For example, in the above embodiment, the management entity account and the managed account are used on different terminals 20, but they may be used on the same terminal 20. Furthermore, the management entity account and the managed account may be provided by the same or different businesses. [Explanation of symbols]

[0083] 1...information processing system, 10...information processing device, 20...terminal, 30...business operator device, 40...network, 11...processor, 12...storage unit, 13...transmission / reception unit, 14...input / output unit, 101...acquisition unit, 102...account management unit, 103...association management unit, 104...settlement management unit, 105...control unit

Claims

1. One or more computers, an association management unit that manages association information that associates a first account with a second account that is to be managed by the first account; an acquisition unit that acquires setting information regarding a settlement method between the first account and the second account; a settlement management unit that manages settlement information regarding settlement between the first account and the second account using the settlement method set based on the setting information; When a payment using the second account is requested, the control unit controls execution of the payment based on the settlement information. Information processing program.

2. When the settlement method is set to a charge method based on the setting information, the settlement management unit manages, as the settlement information, charge balance information relating to at least one of a charge amount from the first account to the second account and a balance for the charge amount, When payment using the second account is requested, the control unit determines whether or not payment using the second account is possible based on the charge balance information. The information processing program according to claim 1.

3. When the settlement method is set to a credit limit method based on the setting information, the settlement management unit manages, as the settlement information, credit limit balance information relating to at least one of a credit limit set in the second account and a balance for the credit limit; the control unit, when payment using the second account is requested, determines whether payment using the second account is possible based on the credit limit balance information; The information processing program according to claim 1.

4. When the settlement method is set to a transfer method based on the setting information, the settlement management unit manages, as the settlement information, transfer balance information relating to at least one of an upper limit amount of transfer of the second account to the first account and a balance relative to the upper limit amount, When a payment using the second account is requested, the control unit determines whether or not the payment using the second account is possible based on the transfer balance information. The information processing program according to claim 1.

5. the acquisition unit acquires at least one of registration information of the second account to be managed by the first account and registration information of the first account that controls the second account; the association management unit generates and manages association information that associates the first account and the second account based on the registration information; 5. The information processing program according to claim 1.

6. an association management unit that manages association information that associates a first account with a second account that is to be managed by the first account; an acquisition unit that acquires setting information regarding a settlement method between the first account and the second account; a settlement management unit that manages settlement information regarding settlement between the first account and the second account using the settlement method set based on the setting information; a control unit that controls execution of the payment based on the settlement information when payment using the second account is requested; An information processing device comprising:

7. The information processing device managing association information that associates a first account with a second account that is to be managed by the first account; acquiring setting information regarding a settlement method between the first account and the second account; Manage settlement information regarding settlement between the first account and the second account using the settlement method set based on the setting information; When a payment using the second account is requested, execution of the payment is controlled based on the settlement information. Information processing methods.

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