Information processing system, information processing method and program

Abstract

To provide an information processing device for reducing a burden of sending money to others using electronically managed balances.SOLUTION: An information processing system is configured to: when a first user is registered with an electronic money service that operates in cooperation with a cooperation service and provides the cooperation service to the first user and a second user, and an instruction is given from the first user to send a remittance amount of electronic money to the second user, present an electronic money receiving method to the second user; and when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service, transmit information for registering with the electronic money service to the second user. When the second user is registered with the electronic money service on the basis of the information, the remittance amount is added to a balance of electronic money available to the second user.SELECTED DRAWING: Figure 9

Description

[Technical Field]

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

[0002] There are payment services that allow payments from balances managed electronically, such as electronic money. Some of these payment services allow transfers between the balances of multiple users.

[0003] Patent Document 1 discloses a method for processing a remittance to a remittance recipient after a user selects the remittance recipient on an instant messenger. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2019-185767 Summary of the Invention [Problem to be solved by the invention]

[0005] Not everyone uses payment services that manage balances of electronic money, etc. To use such a payment service, users must register with the service in advance. Therefore, when a user transfers money to a prospective recipient using the payment service, they must confirm whether the prospective recipient is registered with the payment service.

[0006] The present disclosure provides a technique that reduces the burden of sending money to others using electronically managed balances. [Means for solving the problem]

[0007] (1) An information processing system that provides a linked service to a first user and a second user that operates in conjunction with an electronic money service that manages electronic money, the information processing system including: a presentation means that, when the first user is registered with the electronic money service and instructs the first user to send a remittance amount of electronic money to the second user, presents the second user with a method of receiving the electronic money; and a registration management means that, when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service, sends the second user information to register with the electronic money service; and when the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user.

[0008] (2) In (1), the linked service is a messaging service, and the presentation means, when the first user is registered in the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user, sends information including a method of receiving the electronic money as a message from the first user to the second user.

[0009] (3) In (2), the information processing system wherein, when the remittance amount is added to the balance of electronic money available to the second user, the presentation means sends information to the first user via the messaging service as a message notifying the second user that the second user has completed receiving the electronic money.

[0010] (4) In any of (1) to (3), if the second user is registered with the electronic money service, the remittance amount is added to the balance of available electronic money of the second user without the second user having to present a method for receiving the electronic money.

[0011] (5) In any of (1) to (4), the information processing system further includes a determination means for determining that the second user is registered with the electronic money service when multiple attribute information required by the electronic money service is stored in association with the second user.

[0012] (6) In (5), when the second user inputs an operation based on the receiving method and it is determined that the second user is not registered with the electronic money service, the registration management means sends information to the second user requesting the second user to input the multiple attribute information required by the electronic money service.

[0013] (7) In (6), when the second user inputs an operation based on the receiving method and it is determined that the second user is not registered in the electronic money service, the registration management means sends information to the second user requesting the second user to input attribute information that is not registered in the linked service, out of the plurality of attribute information required by the electronic money service.

[0014] (8) In any of (1) to (7), an information processing system in which, in the linked service, the first user and the second user are identified by a first account, and in the electronic money service, the first user and the second user are identified by a second account different from the first account, and the first account and second account of the first user are stored in association with each other.

[0015] (9) In (8), when the second user inputs an operation based on the receiving method and it is determined that the second user is not registered with the electronic money service, the registration management means sends information to the second user requesting the second user to input attribute information required by the electronic money service or to specify another second account to which the specified attribute information is associated and stored, and when the second user specifies the other second account, the registration management means links the first account of the second user with the other second account.

[0016] (10) In (9), when an instruction is given to send electronic money of the remittance amount, the second account of the second user and the remittance amount are stored in association with each other, and when the first account of the second user and the other second account are linked, the registration management means associates the remittance amount associated with the second account of the second user with the other second account.

[0017] (11) In any of (1) to (10), an information processing system further includes a benefit granting means for granting a benefit with restricted use to the second user when the first user is registered with the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user, and a restriction removal means for removing the restriction on the benefit granted to the second user when the second user is registered with the electronic money service based on the information.

[0018] (12) In (11), the information processing system is such that, when the first user is registered with the electronic money service and an instruction is given to send a remittance amount of electronic money from the first user to the second user, the reward granting means grants the second user a reward corresponding to the remittance amount, the use of which is restricted.

[0019] (13) An information processing method including: when a first user is registered with an electronic money service that operates in conjunction with a linked service that provides linked services to a first user and a second user, and the first user issues an instruction to send a remittance amount of electronic money to the second user, a step of presenting a method of receiving the electronic money to the second user; and when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service, a step of sending information to the second user to register with the electronic money service, and when the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user.

[0020] (14) A program that causes a computer to function as a presentation means for presenting a method of receiving the electronic money to the second user when the first user is registered with an electronic money service that operates in conjunction with a linked service that provides linked services to a first user and a second user and the first user issues an instruction to send the remittance amount of electronic money to the second user, and a registration management means for sending information to the second user to register with the electronic money service when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service, and when the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. [Effects of the Invention]

[0021] The present invention can reduce the burden of sending money to another person using an electronically managed balance such as electronic money. [Brief explanation of the drawings]

[0022] [Figure 1] 1 is a diagram illustrating an example of an information processing system according to an embodiment of the present invention. [Figure 2]FIG. 2 is a block diagram showing functions realized by the information processing system. [Figure 3] FIG. 10 is a sequence diagram illustrating the operation of the information processing system when remittance is performed. [Figure 4] FIG. 10 is a diagram illustrating an example of a screen of a messaging service. [Figure 5] FIG. 10 is a diagram showing an example of a screen for setting a remittance amount. [Figure 6] FIG. 10 is a diagram showing an example of a message presented to a remittance recipient. [Figure 7] FIG. 10 is a diagram showing an example of remittance information stored in a receivables database. [Figure 8] FIG. 10 is a diagram showing another example of a message presented to a remittance recipient. [Figure 9] FIG. 10 is a sequence diagram illustrating the operation of the information processing system at the time of reception. [Figure 10] FIG. 10 is a diagram illustrating an example of an account modification screen. [Figure 11] FIG. 10 is a diagram illustrating an example of a terms of use confirmation screen. [Figure 12] FIG. 10 is a diagram illustrating an example of a receipt confirmation screen. [Figure 13] FIG. 10 is a diagram showing an example of a receipt result screen. [Figure 14] FIG. 10 is a flow chart showing the processing of the account management system for remittance. [Figure 15] FIG. 1 is a flow chart showing the processing of an electronic money system for remittance. [Figure 16] FIG. 10 is a flow chart showing the process of the account management system for receiving payments. [Figure 17] FIG. 10 is a flow chart showing the process of the electronic money system for receiving money. DETAILED DESCRIPTION OF THE INVENTION

[0023] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Duplicate descriptions of components with the same reference numerals will be omitted.

[0024] 1 is a diagram showing an example of an information processing system according to an embodiment of the present invention. The information processing system includes a messaging system 1, an account management system 2, an electronic money system 3, and a terminal 4.

[0025] The messaging system 1 is a system that cooperates with a terminal 4 to provide a messaging service that enables multiple users to exchange messages. The messaging service is an example of a linked service that operates in cooperation with an electronic money service. The electronic money system 3 is a system that manages the electronic money balances of registered users and provides a remittance service between multiple users. The terminal 4 is a computer with a user interface, such as a personal computer or a smartphone.

[0026] Here, a user's account in the messaging system 1 (hereinafter also referred to as a "C account") is different from a user's account in the electronic money system 3 (hereinafter also referred to as a "P account"). The messaging system 1 internally manages the C account, and the account management system 2 manages information about the P account. The account management system 2 further associates the P account that it manages with the C account of the messaging system 1. The C account and the P account correspond to the first account and the second account in the claims, respectively.

[0027] In the following explanation, it is assumed that, in the initial state, the sender and receiver users have registered C accounts in the messaging system 1, and the sender user has a P account in the electronic money system 3 whose balance can be used for payments. It is assumed that the receiver user does not have a P account in the electronic money system 3 whose balance can be used for payments. In the following, possession of a P account whose balance can be used for payments is also referred to as the user being registered in the electronic money service provided by the electronic money system 3. The sender user and receiver user correspond to the first user and second user in the claims, respectively.

[0028] Even if a P account is registered in the account management system 2, it may not be a P account that can be used to make payments from a balance. In this embodiment, when a C account is registered in the messaging system 1, the account management system 2 registers a temporary P account (hereinafter also referred to as a "light P account") associated with the C account. A light P account is identified by the same type of identification information as a payable P account, but the attribute information stored in association with the user's identification information is only the attribute information entered when registering with the messaging system 1. Generally, when used for payment, a user's identity must be more precisely identified, requiring more attribute information. Therefore, the attribute information entered when using the messaging system 1 is insufficient to constitute a payable P account. Here, a P account in which the attribute information required for payment is registered is referred to as a "full P account." Furthermore, a payable P account is not only a full P account, but also requires the user to have confirmed the terms of use of the electronic money service. Note that here, multiple attribute information for a given user are assumed to be different types of attribute information.

[0029] The balance managed by the electronic money system 3 does not necessarily have to be a balance of prepaid electronic money. The electronic money system 3 may manage a balance of a value that can be used for electronic payments. For example, the electronic money system 3 may manage a balance of points instead of electronic money, or may manage a balance of any currency as the electronic money balance. The following description of processes related to electronic money can also be applied to other values ​​that can be used for electronic payments, such as points.

[0030] Each of the messaging system 1, the account management system 2, and the electronic money system 3 includes one or more servers 10. The server 10 is an example of a computer, and may be another type of computer. Each of the servers 10 includes one or more processors 11, one or more storages 12, and one or more communication units 13. Each of the messaging system 1, the account management system 2, and the electronic money system 3 may be implemented on one or more virtual server or container platforms.

[0031] The terminal 4 includes one or more processors 41, one or more storages 42, a communication unit 43, and an input / output unit 44. The storage 42 of the terminal 4 has installed therein an application program for a messaging service, which has been downloaded via the Internet, for example.

[0032] The processors 11 and 41 operate according to programs (also referred to as instruction codes) stored in the storages 12 and 42, respectively. The processors 11 and 41 also control the communication units 13 and 43, respectively. The processors 11 and 41 include, for example, a CPU (Central Processing Unit) and may further include a GPU (Graphic Processing Unit) and an NPU (Neural Processing Unit). The programs may be provided via the Internet or the like, or may be provided by being stored in a computer-readable storage medium such as a flash memory or a DVD-ROM.

[0033] The storages 12 and 42 are configured with memory elements such as RAM and flash memory, and external storage devices such as hard disk drives (HDDs) and solid-state drives (SSDs). The storages 12 and 42 store the above programs. The storages 12 and 42 also store information and calculation results input from the processors 11 and 41, communication units 13 and 43, and input / output unit 44.

[0034] The communication units 13 and 43 are communication interfaces, such as network interface cards, that communicate with other devices. The communication units 13 and 43 are configured with, for example, integrated circuits, antennas, and communication terminals that realize wireless LAN or wired LAN. The communication units 13 and 43 may be connected to a communication network. The communication units 13 and 43 operate under the control of the processors 11 and 41, respectively. The communication unit 13 inputs information received from other devices to the processor 11 or storage 12, and transmits information to other devices. The communication unit 43 inputs information received from other devices to the processor 41 or storage 42, and transmits information to other devices.

[0035] The input / output unit 44 includes input devices such as a touch panel, a keyboard, a pointing device, and a microphone, and output devices such as a display panel and a speaker. The input / output unit 44 may also include a device (e.g., a USB port) that inputs and outputs data to and from an external device including an input device or an output device.

[0036] The hardware configurations of the messaging system 1, account management system 2, electronic money system 3, and terminal 4 are not limited to the above examples. For example, these systems may include a device that reads a computer-readable information storage medium (e.g., an optical disk drive or a memory card slot) or a device that inputs and outputs data to and from an external device (e.g., a USB port). The external device may be an input device or an output device.

[0037] Next, the functions provided by the information processing system will be described. FIG. 2 is a block diagram showing the functions realized by the information processing system. The information processing system functionally includes a message presenting unit 51, a registration determination unit 52, a registration management unit 53, a remittance management unit 55, a receipt management unit 56, a reward granting unit 57, a reward validation unit 58, a receipt schedule merging unit 59, an account database 61, a balance database 62, and a receipt schedule database 63. The message presenting unit 51 is realized by the processor 11 of the server 10 constituting the messaging system 1 executing a program stored in the storage 12 corresponding to its function and controlling the communication unit 13, etc. The registration determination unit 52, the registration management unit 53, and the account database 61 are realized by the processor 11 of the server 10 constituting the account management system 2 executing a program stored in the storage 12 corresponding to its function and controlling the communication unit 13, etc. The remittance management unit 55, receipt management unit 56, benefit granting unit 57, benefit validation unit 58, receipt schedule merging unit 59, account database 61, balance database 62, and receipt schedule database 63 are realized by the processor 11 of the server 10 that constitutes the electronic money system 3 executing programs stored in the storage 12 and corresponding to their functions, and controlling the communication unit 13, etc.

[0038] The message presentation unit 51 of the messaging system 1 presents a message to a user who uses the messaging system 1. This message may be sent from some system or may be sent by another user. When a remitter user instructs the electronic money system 3 to send a specified amount (remittance amount) of electronic money from the remitter user to a remitter user, the message presentation unit 51 presents information to the remitter user indicating how to receive the electronic money (for example, a URL for starting the receiving procedure). Upon receiving the electronic money, the sent electronic money is added to the balance, making it possible to make a payment from the balance. The information indicating the receiving method may be presented not only when an instruction to send electronic money is given, but also when the remitter user requires a receiving operation.

[0039] This presentation is performed by a so-called messaging service. When message presentation unit 51 of messaging system 1 transmits information on the method of receiving the money to terminal 4, processor 41 executing the application program of the messaging service receives the information via communication unit 43. Processor 41 then outputs the information to the remittance destination user via input / output unit 44. It can be said that message presentation unit 51 presents the information to the user by this transmission, or that it controls terminal 4 to directly present the information to the user.

[0040] In addition, when the recipient user completes the receiving operation based on the information indicating the receiving method and the remittance amount is added to the user's payable balance, the message presentation unit 51 sends a message to the sender user notifying them of the completion of the receiving operation.

[0041] The account database 61 of the account management system 2 stores information about a user's account used by the electronic money system 3, specifically, account identification information and one or more pieces of attribute information about the user. The account database 61 is mainly composed of the storage 12. The account database 61 may be realized by the storage 12 and a database management system realized by the processor 11 executing a database program.

[0042] The registration determination unit 52 of the account management system 2 determines whether a user (e.g., a remittance recipient user) is registered with the electronic money service. More specifically, the registration determination unit 52 determines that a user is registered with the electronic money service when predetermined attribute information is stored in association with the user's identification information (strictly speaking, identification information of the user's account in the messaging system 1 or the electronic money system 3) in the account database 61. The predetermined attribute information is specifically a plurality of pieces of attribute information required by the electronic money service (for payment).

[0043] When the remittance destination user inputs an operation based on the information on the receiving method into the terminal 4 and it is determined that the remittance destination user is not registered with the electronic money service, the registration management unit 53 of the account management system 2 transmits information to the remittance destination user to register the user with the electronic money service. The transmitted information may be information to register the user with the electronic money service or information requesting the user to specify another P account that is stored in association with attribute information required for payment.

[0044] Here, the information to be registered in the electronic money service may be information requesting input of at least some of the multiple pieces of attribute information required by the electronic money service. More specifically, the information to be registered in the electronic money service may be attribute information (e.g., email address, password, username) that is not registered in the messaging service among the multiple pieces of attribute information required. Attribute information registered in the messaging service (e.g., phone number) may be stored in advance in the account management system 2 from the messaging system 1. This storage may occur when the user registers with the messaging service.

[0045] Furthermore, when another P account is designated by the recipient user, the registration management unit 53 links that P account with the user's C account. In this case, the registration management unit 53 causes the receipt schedule merging unit 59 to associate the remittance amount information stored in association with the light P account with the designated P account. The association of remittance amounts will be described in detail later.

[0046] The balance database 62 of the electronic money system 3 stores the payable balance of a user who uses the electronic money system 3. The balance database 62 stores in the storage 12 the identification information of the P account and the balance in association with each other.

[0047] When a remittance source user instructs a remittance to a remittance destination user, the receipt schedule database 63 of the electronic money system 3 stores in storage 12 the identification information of the remittance source user's (full) P account, the identification information of the remittance destination user's (light or full) P account, the remittance amount, and the date the instruction was received, in association with each other.

[0048] The remittance management unit 55 of the electronic money system 3 receives an instruction from a remitter user to remit money to a remittance destination user (hereinafter also referred to as a "receiving user"). If the P account of the remittance destination user requires a receiving operation, the remittance management unit 55 stores the remittance amount in association with the remittance destination user in the receiving schedule database 63. If the P account of the remittance destination user does not require a receiving operation, the remittance management unit 55 adds the remittance amount to the balance of the remittance destination user in the balance database 62.

[0049] The receiving operation includes at least some of the following: accessing the receiving UI provided by the electronic money system 3; the receiving user registering missing attribute information required to use the electronic money service; and checking the terms of use of the electronic money service. Cases requiring the receiving operation include at least one of the following: a case where the attribute information required by the electronic money service for the remittance recipient user has not been registered; and a case where the remittance recipient user has not checked the terms of use. Cases requiring the receiving operation may also include a case where the remittance recipient user does not want automatic receipt.

[0050] When a receiving user performs a receiving operation and is registered for the electronic money service by the registration management unit 53, the receipt management unit 56 of the electronic money system 3 adds the remittance amount stored in association with the receiving user in the receipt schedule database 63 to the available balance of the receiving user stored in the balance database 62.

[0051] When a remittance source user is registered in the electronic money service and an instruction to send the remittance amount of electronic money to a remittance destination user is acquired, the reward granting unit 57 of the electronic money system 3 grants a reward with restricted use to the remittance destination user. The reward granted may be a reward according to the remittance amount, for example, points calculated by multiplying the remittance amount by a predetermined coefficient.

[0052] When a recipient user is registered with an electronic money service, the benefit validation unit 58 of the electronic money system 3 removes the restrictions on the benefit granted to the recipient user, allowing the recipient user to use the benefit.

[0053] When a receiving user's C account is linked to a new P account different from the originally associated P account, the receipt schedule merging unit 59 of the electronic money system 3 associates the remittance amount associated with the original P account with the new P account based on instructions from the registration management unit 53.

[0054] Next, an overview of the operation of the information processing system when sending and receiving electronic money will be described. FIG. 3 is a sequence diagram illustrating the operation of the information processing system when sending electronic money. The terminal 4 shown in FIG. 3 is operated by the user who is sending the money. Here, the terminal 4 is running an application program that provides a messaging service. The user interface and communication for accessing the account management system 2 and the electronic money system 3 are provided by a so-called mini-app that runs within the application program. The mini-app runs on a type of program written in HTML format. The messaging system 1 may distribute HTML or the like equivalent to the mini-app program to the terminal 4, or the account management system 2 and the electronic money system 3 may distribute HTML or the like to the terminal 4 when necessary.

[0055] First, the remittance source user operates terminal 4 to specify the remittance destination account, and the remittance procedure begins. FIG. 4 is a diagram showing an example of a messaging service screen. FIG. 4 and the other screens shown below are displayed on the screen of terminal 4. FIG. 4 is a screen displaying a message from "Suzuki Hanako," the remittance destination user, and this screen displays a button 81 for starting the remittance procedure. When the remittance source user presses this button 81, the remittance procedure begins.

[0056] When the remittance procedure is initiated, the mini app causes the terminal 4 to send a token including the remitter's C account (hereinafter simply referred to as "remitter's C account") to the account management system 2. The token is a type of authentication information that authenticates the user of the C account. In response, the registration determination unit 52 of the account management system 2 sends to the terminal 4 an access token to the electronic money system 3 that includes the P account associated with the remitter's C account. Although not shown in FIG. 3, the terminal 4 may use the access token to inquire about the remitter's balance at this point to the electronic money system 3 and obtain the balance value.

[0057] Furthermore, the terminal 4 acquires the C account of the remittance destination through the mini appli, and inquires of the account management system 2 about the P account corresponding to the C account of the remittance destination. In response, the registration determination unit 52 of the account management system 2 returns the P account of the remittance destination user to the terminal 4. This P account may be a full P account or a light P account. It does not matter if payments cannot be made from the balance of this P account.

[0058] Here, terminal 4 obtains the remittance amount from the user to the remittance destination user via the mini app. FIG. 5 is a diagram showing an example of a screen for setting the remittance amount, and the balance of the remittance source user is also displayed on the screen. In the example of FIG. 5, terminal 4 obtains the remittance amount to be sent to the remittance destination user and a message to that user, entered by the user. When the user presses button 82 and further enters a final instruction on a confirmation screen (not shown), a remittance instruction is sent from terminal 4 to electronic money system 3.

[0059] A remittance instruction includes the remitter's P account, the remitter's P account, and the remittance amount, and is an instruction for remittance from the remitter user to the remitter user. The remittance management unit 55 of the electronic money system 3 receives the remittance instruction. The remittance management unit 55 then determines whether the remitter's P account can receive the money without a receiving operation. The remittance management unit 55 may determine that the remitter's P account can receive the money without a receiving operation if the remitter's P account is a full P account and the terms of use of the electronic money system 3 have been confirmed. Note that the remittance management unit 55 may also determine that the P account can receive the money without a receiving operation if, in addition to the above conditions, a condition is met in which information indicating that the remitter's user wishes to receive the money without a receiving operation is stored in advance.

[0060] If it is determined that the remittance is possible, the remittance management unit 55 adds the remittance amount to the balance stored in the balance database 62 in association with the P account of the remittance recipient. The remittance management unit 55 also requests the messaging system 1 to send a message to the remittance recipient user informing them that the remittance has been completed. This request to send a message may be realized by the remittance management unit 55 requesting the terminal 4 to send a message, and the terminal 4 receiving the request instructing the message presentation unit 51 of the messaging system 1 to send the message. In response to this request, the message presentation unit 51 presents the message to the remittance recipient user.

[0061] Figure 6 shows an example of a message presented to the remittance recipient, specifically, a message presented when it is determined that the remittance is possible. In the example of Figure 6, the message presented includes a statement indicating that the electronic money has been received, a statement entered by the remitter, and a link 91 that allows the remittance to be confirmed.

[0062] On the other hand, if it is determined that the money cannot be received, the remittance management unit 55 adds remittance information to the receipt schedule database 63, including the remittance ID, the remitter's P account, the remitter's P account, and the remittance amount.

[0063] Figure 7 is a diagram showing an example of remittance information stored in the receivable schedule database 63. The receivable schedule database 63 stores remittance information for each of multiple remittance recipient P accounts. In the example of Figure 7, the remittance information includes the remittance ID, the remitter's P account, the remittance recipient's P account, the remittance amount, and the date of receipt. Note that a set of one or more remittance information for a remittance recipient P account stored in the receivable schedule database 63 is referred to as a receivable schedule list.

[0064] Furthermore, if it is determined that the remittance is not possible, the remittance management unit 55 requests the messaging system 1 to send a message including information (URL) for starting the receiving operation to the remittance destination user. This request may be realized by the remittance management unit 55 requesting the terminal 4 to send the message, and the terminal 4 receiving the request instructing the message presentation unit 51 of the messaging system 1 to send the message. In response to this request, the message presentation unit 51 causes the terminal 4 to present the message to the remittance destination user. The presentation of the message may be performed by the message presentation unit 51 sending the message to the terminal 4 of the remittance destination user and the terminal 4 displaying the message.

[0065] Figure 8 shows an example of a message presented to the remittance recipient, specifically, a message presented when it is determined that the remittance is not possible. In the example of Figure 8, the message presented includes a statement indicating that electronic money has been remitted, a statement entered by the remitter, and a URL link 92 for starting the operation to receive the remittance.

[0066] Figure 9 is a sequence diagram explaining the operation of the information processing system when receiving. The flow shown in Figure 9 shows the operation of the information processing system when a message including a URL for starting the receiving operation is sent in the flow shown in Figure 3. The terminal 4 shown in Figure 9 is the terminal 4 operated by the user of the remittance destination. Like the terminal of the remittance source, the terminal 4 executes an application program that provides a messaging service, and a so-called mini-app runs on it.

[0067] First, a message including a URL is sent from messaging system 1 to terminal 4, and the message is presented to the destination user (recipient user). Then, when the recipient user clicks on the URL and inputs an operation to start receiving the message into terminal 4, the receiving procedure begins.

[0068] When the receiving procedure is initiated, the terminal 4 running the mini app sends a token including the recipient user's C account to the account management system 2. The registration determination unit 52 of the account management system 2 first determines whether the attribute information required to make payments using an electronic money service is registered in the recipient user's P account. This determination may be made based on whether the P account is a full P account.

[0069] If sufficient attributes are not registered (N), the account management system 2 transmits information to display an account modification screen. Here, if the receiving user's P account is a light P account, sufficient attributes are not registered. On the account modification screen, the receiving user can select either merging or adding attribute information to use electronic money services with a full P account. In merging, the registration management unit 53 of the account management system 2 acquires the receiving user's own other P account entered by the receiving user, merges the information of the light P account with the other P account, and converts the other P account into a full P account. In adding attribute information, the necessary attribute information is acquired from the user and stored in the account database 61, thereby upgrading the light P account to a full P account. Converting the receiving user's P account into a full P account is one of the conditions for allowing the receiving user to receive electronic money sent by the remitter and add it to their balance.

[0070] Figure 10 is an example of an account modification screen. In Figure 10, the recipient user's Light P account is displayed, and link 93 is selected to instruct merging, and button 83 is selected to instruct adding attribute information.

[0071] For example, when merging is selected by pressing link 93, the terminal 4 acquires the P account of the merge destination input by the recipient user on an input screen (not shown) and sends a merge instruction including the P account to the account management system 2. Here, the P account of the merge destination is, for example, a P account registered with an electronic money service and not linked to the C account. The registration management unit 53 of the account management system 2 then integrates the information of the recipient user's light P account into the P account of the merge destination. In this integration, the registration management unit 53 associates the C account associated with the light P account with the P account of the merge destination and sets attribute information set only for the light P account to the P account of the merge destination. The registration management unit 53 then transmits an instruction to the electronic money system 3 to update the remittance information associated with the recipient user's light P account in the receipt schedule database 63 so that it is associated with the P account of the merge destination. When the merge operation based on this instruction is completed, the registration management unit 53 deletes the light P account.

[0072] The registration management unit 53 may execute the integration process only when the merged P account will be a full P account. Alternatively, if the attribute information required for a full P account is not registered in the merged P account, the registration management unit 53 may prompt the user to input the missing attribute information and store the input attribute information in the account database 61. The process for inputting this attribute information may be the same as the process for adding attribute information. As a result, the merged P account will always be a full P account.

[0073] In FIG. 10 , when adding attribute information is selected by, for example, pressing button 83, the terminal 4 acquires additional attribute information input by the recipient user on an input screen (not shown) and transmits the additional attribute information to the account management system 2. The registration management unit 53 of the account management system 2 stores the received additional attribute information in the account database 61 in association with the light P account. This upgrades the P account to a full P account. The registration management unit 53 may transmit to the recipient user's terminal 4, as information for displaying the input screen, information for a screen that prompts the user to input one or more attribute information that is not registered in the light P account, as additional attribute information, from among multiple attribute information required for payments from the balance in the electronic money service. The registration management unit 53 may acquire the additional attribute information input thereby. Note that attribute information required for using the messaging service is registered in the light P account.

[0074] After the merging or attribute information addition process is completed, or after it is determined that sufficient attribute information for payment has been registered in the original recipient user's P account (Y), the registration management unit 53 determines whether the recipient user has confirmed the terms and conditions for using the electronic money service. Confirming these terms and conditions is one of the conditions for the recipient user to be able to receive electronic money sent from the sender. If it is determined that the terms and conditions have not been confirmed (N), the registration management unit 53 sends information to the terminal 4 requesting confirmation of the terms and conditions (for example, information to display a terms and conditions confirmation screen).

[0075] 11 is a diagram showing an example of a terms of use confirmation screen. When the recipient user performs an operation indicating that they have confirmed the terms of use, terms confirmation information is transmitted. This operation may be, for example, pressing a link 94 that displays the terms of use, and then pressing a button 84. Note that the button 84 may only become pressable once the terms of use are displayed.

[0076] The registration management unit 53 acquires information indicating that the recipient user has confirmed the terms (terms confirmation information) from the terminal 4. If it is determined that the terms have been confirmed (Y), these processes are skipped.

[0077] When the terms and conditions are confirmed by the above process, the account management system 2 sends transition information and an access token to the terminal 4. The transition information is information that transitions the screen displayed in the browser from the screen of the account management system 2 to the screen of the electronic money system 3. In this case, the access token is information necessary for authenticating the P account to the electronic money system 3, and includes information indicating the P account of the recipient user and information indicating that the P account has been authenticated.

[0078] Based on the transition information, the terminal 4 transmits receipt information including the recipient user's P account (strictly speaking, the access token for the P account) and the remittance ID to the electronic money system 3. The receipt management unit 56 of the electronic money system 3 receives the receipt information and, based on the remittance ID included in the request, obtains the remittance information from the receipt schedule database 63. The receipt management unit 56 transmits information to the terminal 4 to display a receipt confirmation screen that asks the recipient user whether or not to receive the electronic money remitted based on the remittance information.

[0079] FIG. 12 is a diagram showing an example of a receipt confirmation screen. The receipt confirmation screen displayed by the terminal 4 displays information about the remitter user and the remittance amount. When the receiving user presses button 85 to instruct to receive the displayed remittance, the terminal 4 transmits a receipt instruction to the electronic money system 3. In the example of FIG. 12, the receipt confirmation screen also includes a field for inputting a message to be sent to the remitter user. When a message is input, the terminal 4 may transmit the message information to the electronic money system 3 together with the electronic receipt instruction.

[0080] When the receipt management unit 56 receives the receipt instruction, it adds the remittance amount included in the remittance information to the balance of the recipient user. Then, the receipt management unit 56 sends information indicating the receipt result (information for displaying the receipt result screen in FIG. 9) to the terminal 4, and the terminal 4 presents the receipt result to the recipient user.

[0081] FIG. 13 is a diagram showing an example of a receipt result screen displayed by terminal 4. The display of this screen marks the end of the receipt-related operations. However, if a message has been entered on the receipt confirmation screen, information is sent from the receipt management unit 56 of the electronic money system 3 to the messaging system 1 or terminal 4 requesting that the message be sent to the remitter. When terminal 4 receives this request, it requests that the message be sent from terminal 4 to the messaging system 1. The receipt management unit 56 may send the requested information together with the information for displaying the receipt result screen.

[0082] Although not shown in FIGS. 3 and 9, the electronic money system 3 may grant a restricted benefit to the recipient user after receiving an instruction to remit electronic money. The electronic money system 3 may also remove the benefit restriction after the recipient user is registered with the electronic money service. For example, when the remittance management unit 55 adds remittance information to the receivable database 63, the benefit granting unit 57 of the electronic money system 3 may calculate the amount of benefit based on the remittance amount, and store the calculated amount of benefit and information indicating the restriction in the storage 12 in association with the P account of the remittance destination user (receiving user). The benefit may be, for example, points that can be used for payments in electronic commerce, etc. The benefit granting unit 57 may calculate the amount of benefit by multiplying the remittance amount by a predetermined coefficient (for example, a value equal to or less than 1).

[0083] Furthermore, when the benefit validation unit 58 of the electronic money system 3 receives a receipt instruction from a recipient user, it may lift the restriction on the benefit associated with the recipient user's P account, making the benefit available for use. The benefit validation unit 58 may lift the restriction by updating or deleting information indicating the restriction.

[0084] The following describes the processing of the information processing system for remittance of electronic money using flowcharts. Figures 14 and 15 are diagrams explaining the processing when a remittance source user carries out remittance procedures. Figure 14 is a flow diagram showing the processing of the account management system 2 for remittance. Figure 15 is a flow diagram showing the processing of the electronic money system 3 for remittance.

[0085] First, when the remitter's user inputs an instruction to start the remittance procedure into terminal 4, the remittance procedure is initiated, and terminal 4 transmits information indicating the remitter's C account to the account management system 2. Then, the registration determination unit 52 acquires the transmitted information indicating the remitter's C account (S101). Based on a query including the C account, the registration determination unit 52 acquires the P account linked to that C account from the account database 61. Here, as described above, the types of P account include full P accounts in which attribute information necessary for payment is registered, and light P accounts in which such information is not. Here, if the P account linked to the remitter's C account cannot be used for payment (for example, it is a light P account) (N in S102), a message indicating that remittance is not possible because there is no appropriate P account is output to terminal 4 (S103), and the remittance processing ends.

[0086] On the other hand, if the P account linked with the remitter's C account can be used for payment (Y in S102), the registration determination unit 52 generates an access token to the electronic money system 3 indicating the remitter's P account and transmits the access token to the terminal 4 (S104). The registration determination unit 52 further acquires the C account of the remitter's user from the terminal 4 (S105). Based on the query including the remitter's C account, the registration determination unit 52 acquires the P account linked with that C account from the account database 61 (S106). The registration determination unit 52 transmits the remitter's P account to the terminal 4 (S107).

[0087] When the application program of the terminal 4 acquires the P account of the remittance destination, it transmits a remittance instruction including information indicating the P account of the remitter, the P account of the remittance destination, and the remittance amount to the electronic money system 3. S107 is also a kind of request to have the terminal 4 transmit the remittance instruction. In S107, the registration determination unit 52 may also transmit at least part of the information indicating whether the P account of the remittance destination is a full P account or a light P account and information indicating whether the user of the remittance destination has confirmed the terms of use of the electronic money service, and this transmitted information may be included in the remittance instruction.

[0088] The processing of the account management system 2 in the remittance procedure is not limited to the above. The remitter's and remittance recipient's C accounts may be obtained at the same time (S101, S105). In this case, the registration determination unit 52 may send the access token (see S104) and the remittance recipient's P account (see S107) to the terminal 4 at the same time.

[0089] 14 is based on the assumption that a P account linked to the C account exists. For example, if there is no linked P account in S106, the registration determination unit 52 may create a P account as a remittance destination linked to the C account.

[0090] The processing shown in Figure 15 will be described below. When a remittance instruction is sent from the terminal 4, the remittance management unit 55 of the electronic money system 3 receives the remittance instruction including the remittance destination P account and the remittance amount (S151). The remittance management unit 55 determines whether the remittance destination P account has registered attribute information required for payment from the balance (S152). Here, the remittance management unit 55 may make this determination based on information included in the remittance instruction indicating whether the remittance destination is a full P account or a light P account, or may make this determination based on the result of an inquiry to the account management system 2 as to whether the remittance destination P account is a full P account or a light P account.

[0091] If the necessary attribute information is registered in the P account of the remittance destination (Y in S152), the remittance management unit 55 determines whether the P account of the remittance destination (the user indicated by the P account) has confirmed the terms of use of the electronic money service (S153). Here, the remittance management unit 55 may make this determination based on information included in the remittance instruction indicating whether the terms of use have been confirmed, or may make this determination based on the result of an inquiry to the account management system 2 as to whether the P account of the remittance destination has confirmed the terms of use of the electronic money service.

[0092] If the remittance recipient's P account has confirmed the terms of use of the electronic money service (Y in S153), the remittance management unit 55 deducts the remittance amount from the balance of the remitter's P account and adds the remittance amount to the balance of the remitter's P account (S154). In this case, the remittance recipient's user does not need to perform any receiving operations, so the remittance amount can be automatically added to the payable balance. The remittance management unit 55 also causes the messaging system 1 to send a message to the remittance recipient indicating that the remittance amount has been remitted and added to the balance (S155). In this process, the remittance management unit 55 may request the terminal 4 to send the message by sending information indicating that the remittance amount has been remitted and added to the balance to the terminal 4, or may directly instruct the messaging system 1 to send the message.

[0093] Here, if the necessary attribute information is not registered in the recipient's P account (N in S152), or if the recipient's P account has not confirmed the terms of use (N in S153), the process from S156 onwards will be executed to allow the recipient's user to perform an operation to receive the transferred electronic money.

[0094] In S156, the remittance management unit 55 subtracts the remittance amount from the balance of the remitter's P account, associates it with the remitter's P account, and stores the remittance information in the receivables database 63. (S156). Here, the remittance information includes a remittance ID for identifying the remittance information, the remitter's P account, the remittance amount, and the date of receipt of the remittance (current date). The reward granting unit 57 determines the amount of a reward based on the remittance amount and grants the reward to the remittee user (S157). Use of this reward is restricted until the remitted electronic money is received. In granting the reward, the reward granting unit 57 associates the amount of the reward with the remittance information and stores it in the storage 12. This reward provides the remittee user with an incentive to register for the electronic money service.

[0095] Thereafter, the remittance management unit 55 causes the messaging system 1 to send a message to the remittance recipient, which includes a link 92 for starting the operation to receive the remitted electronic money (S158). In this process, the remittance management unit 55 may request the terminal 4 to send the message by sending information including the link 92 for starting the operation to receive to the terminal 4, or may directly instruct the messaging system 1 to send the message. The message may include at least one of text indicating that the operation to receive is required and text entered by the remittance source user.

[0096] S152 and S153 are processes for determining whether the remittance destination user can make a payment from the balance, and also for determining whether a receiving operation for the remitted electronic money is required. Note that, in addition to the above-mentioned conditions, if the remittance destination user has previously requested to receive the remittance without a receiving operation and a flag indicating this request satisfies the condition stored in association with the P account, the remittance management unit 55 may determine that the P account can receive the remittance without a receiving operation, and execute the processes from S154 onwards. Furthermore, if any of the above-mentioned conditions and the condition of the flag indicating the request stored in association with the P account are not met, the remittance management unit 55 may execute the processes from S156 onwards.

[0097] The following describes the processing of the information processing system for receiving electronic money using flowcharts. Figures 16 and 17 are diagrams explaining the processing when a receiving user receives remitted electronic money. Figure 16 is a flow diagram showing the processing of the account management system 2 for receiving. Figure 17 is a flow diagram showing the processing of the electronic money system 3 for receiving. These figures describe the processing when the message shown in S158 is sent and the destination user, i.e., the receiving user, performs the receiving operation.

[0098] First, when the receiving user clicks on link 92 in the message on terminal 4, terminal 4 transmits information indicating the receiving user's C account to the account management system 2. Then, the registration management unit 53 acquires information indicating the receiving user's C account from the terminal 4 (S201). The information indicating the C account may be identification information for the C account, or may be a token issued to terminal 4 in advance by the account management system 2.

[0099] The registration management unit 53 acquires a P account linked to the recipient user's C account from the account database 61. The registration management unit 53 determines whether the acquired P account has registered therein attribute information required for electronic money payments (whether the P account is a full P account) (S202).

[0100] If the necessary attribute information is not registered (N in S202), the registration management unit 53 sends information for correcting the P account (information for displaying an account correction screen) to the recipient user's terminal 4 (S203). The information for correcting the P account may include information for selecting whether to input additional attribute information or to merge with another existing P account.

[0101] The registration management unit 53 acquires, from the terminal 4, an instruction for correcting the account entered by the recipient user. The registration management unit 53 determines whether the instruction acquired from the recipient user includes an instruction to add attribute information (S204). If the instruction includes an instruction to add attribute information (Y in S204), the registration management unit 53 may transmit information to the terminal 4 to display an input screen including additional attribute information items. Here, the registration management unit 53 may acquire, from the account database 61, one or more attribute information items that are not registered in the recipient user's light P account, among multiple pieces of attribute information required for payments from the balance in the electronic money service, and transmit information to display an input screen including the additional attribute information items. Note that the additional attribute information items may be set in advance, and the registration management unit 53 may transmit information to display an input screen including the additional attribute information items, or a program in which the additional attribute information items are set may be distributed to the terminal 4 in advance. Alternatively, the recipient user may input the screen for correcting the P account and the input screen at the same time. In this case, the information for correcting the P account may include the additional attribute information items. In this case, the instruction obtained in S204 may include additional attribute information.

[0102] When the recipient user inputs additional attribute information to the terminal 4, the registration management unit 53 acquires the additional attribute information from the terminal 4 and registers the attribute information in the recipient user's P account (S205). Then, the processing from S208 onwards is executed.

[0103] If the instruction acquired from the recipient user in S204 does not include an instruction to add attribute information, in other words, if it includes an instruction to merge (N in S204), the registration management unit 53 acquires other existing P accounts to be merged from the recipient user's terminal 4 (S206). Then, the registration management unit 53 merges information linked to the light P account linked to the C account with the other existing P account (S207).

[0104] In this merging, the registration management unit 53 executes four processes. In the first process, the registration management unit 53 merges attribute information stored in the account database 61 in association with the linked light P account with another existing P account. In the second process, the registration management unit 53 causes the receipt schedule merging unit 59 of the electronic money system 3 to associate the remittance information stored in the receipt schedule database 63 in association with the light P account with the other existing P account. In the second process, the registration management unit 53 also causes the receipt schedule merging unit 59 to associate the benefit stored in association with the light P account with the other existing P account. In the third process, the registration management unit 53 links the recipient user's C account with the other existing P account. When storing the linked C account as attribute information of the P account, the third process and the first process may be performed together. In the fourth process, the registration management unit 53 deletes the light P account previously linked to the C account. Since the second process is actually performed by the electronic money system 3, it can be said that the process of S207 is performed by the registration management unit 53 and the receipt schedule merging unit 59 in cooperation with each other.

[0105] If it is determined in S202 that the necessary attribute information has been registered (Y in S202), or after the processing of S205 or S207 has been executed, the registration management unit 53 determines whether the recipient user has confirmed the terms of use (S208). Here, the registration management unit 53 may make this determination based on information that indicates whether the terms of use have been confirmed and that is stored in association with the recipient user's P account.

[0106] If the terms of use have not been confirmed (N in S208), the registration management unit 53 sends information to the receiving user's terminal 4 requesting confirmation of the terms of use, and acquires information indicating that the terms of use have been confirmed (S209). In response to the confirmation request, the registration management unit 53 sends information including the terms of use to the terminal 4, and the terminal 4 displays a screen for confirming the terms of use. The information indicating that the terms of use have been confirmed is also sent from the terminal 4 when the receiving user inputs an input indicating that they have confirmed the terms. If the terms of use have been confirmed (Y in S208), S209 is skipped.

[0107] The registration management unit 53 then controls to send the receipt information to the electronic money system 3 (S210). In S210, the registration management unit 53 may send information (e.g., transition information) to the terminal 4 to cause the terminal 4 to send the receipt information including the P account of the recipient user and a remittance ID that identifies the remittance information. The registration management unit 53 may also obtain the remittance ID from the terminal 4 in S201 and send the receipt information directly to the electronic money system 3. In this case, the registration management unit 53 may relay a response from the electronic money system 3 to the terminal 4.

[0108] 17, the processing of the electronic money system 3 will be described. The receipt management unit 56 of the electronic money system 3 receives receipt information (S251). The receipt management unit 56 determines whether there is any unreceived remittance information identified by the remittance ID and P account included in the receipt information from the receipt schedule database 63 (S252). If there is no remittance information (N in S252), the receipt management unit 56 outputs an error message (not shown) to the terminal 4, and the processing of FIG. 17 ends.

[0109] If remittance information exists (Y in S252), the receipt management unit 56 transmits information to the recipient user to display a receipt confirmation screen (S253). The information to display the receipt confirmation screen may include information indicating the remitter, the remittance amount, and information indicating the receipt deadline. The receipt deadline may be calculated based on the acceptance date and the receipt period, or may be stored in advance in the receipt schedule database 63.

[0110] The receipt management unit 56 then waits until it receives a receipt instruction from the terminal 4 (S254). Upon receiving the receipt instruction, the receipt management unit 56 adds the remittance amount included in the remittance information to the recipient user's balance, associates the balance with the recipient user's P account, and stores the balance in the balance database 62 (S255). The receipt management unit 56 then transmits information to the recipient user's terminal 4 to display a receipt result screen (S256). At the same time, the receipt management unit 56 transmits information to request the terminal 4 to send a receipt completion message to the remittance source user via the messaging system 1 (S257). This request information may be transmitted directly to the messaging system 1.

[0111] The benefit validation unit 58 of the electronic money system 3 also associates the remittance information with the benefit and releases the restriction on the benefit granted to the recipient user (S258). The recipient user can use the benefit only after receiving the remitted electronic money. By using this as an incentive, the recipient user can more reliably receive the benefit.

[0112] Note that the embodiments of the present invention are not limited to those described above. In the embodiments described so far, when a C account is registered in the messaging system 1, a light P account linked to the account management system 2 is registered. However, this does not have to be done. If a P account linked to the remittance destination user cannot be obtained, the remittance management unit 55 may associate the remittance information with the C account and store them in the receipt schedule database 63. Benefits may also be stored in association with the C account. Furthermore, instead of the process of S202 in FIG. 16, a process may be performed to determine whether a P account linked to the receiving account's C account exists, and in S205 and S207, the attribute information, receipt schedule, and benefits stored in association with the C account may be used instead of the attribute information, receipt schedule, and benefits of the light P account. [Explanation of symbols]

[0113] 1 messaging system, 2 account management system, 3 electronic money system, 4 terminal, 10 server, 11, 41 processor, 12, 42 storage, 13, 43 communication unit, 44 input / output unit, 51 message presentation unit, 52 registration determination unit, 53 registration management unit, 55 remittance management unit, 56 receipt management unit, 57 reward granting unit, 58 reward activation unit, 59 receipt schedule merging unit, 61 account database, 62 balance database, 63 receipt schedule database, 81, 82, 83, 84, 85 buttons, 91, 92, 93, 94 links.

Claims

1. An information processing system that provides an electronic money service that manages electronic money for a first user and a second user, the electronic money service operating in cooperation with a messaging service, In the messaging service, the first user and the second user are identified by a first account; In the electronic money service, the first user and the second user are identified by a second account different from the first account; a determination means for determining, when an instruction to send a remittance amount of electronic money from the first user to the second user is given, whether a receiving condition of the second user is satisfied based on the type of a second account of the second user corresponding to a first account of the second user; means for executing a process related to the remittance indicated by the instruction based on the result of the determination; An information processing system including:

2. In the information processing system according to claim 1, the executing means executes a process related to the remittance indicated by the instruction based on the type of the second account of the first user and the result of the determination. Information processing system.

3. In the information processing system according to claim 1, the determination means acquires the balance of the first user from the electronic money service based on the second account of the first user; Information processing system.

4. In the information processing system according to claim 1, the second account type includes a first type in which a plurality of pieces of attribute information required by the electronic money service are registered, and a second type in which any of the plurality of pieces of attribute information is not registered; Information processing system.

5. In the information processing system according to claim 4, the executing means adds the remittance amount to a balance of available electronic money of the second user when the type of the second account of the second user is the first type; and a notification means for transmitting, when the remittance amount is added to the balance of available electronic money of the second user, information notifying the first user of the completion of receipt of the electronic money by the second user as a message via the messaging service. Information processing system.

6. In the information processing system according to claim 4, further comprising a registration management means for, when the type of the second account of the second user is the second type, transmitting to the second user information requesting the input of attribute information that is not registered in the messaging service, among the plurality of pieces of attribute information required by the electronic money service; When the unregistered attribute information is input, the registration management means registers the attribute information in the second account of the second user and changes the type of the second account to the first type. Information processing system.

7. In the information processing system according to claim 4, further comprising a registration management means for, when the type of the second account of the second user is the second type, transmitting to the second user information requesting input of attribute information required by the electronic money service or designation of another second account to which the attribute information is associated and stored; When the second user designates the other second account, the registration management means links the first account of the second user with the other second account. Information processing system.

8. In the information processing system according to claim 7, When the second user designates the other second account, the registration management means merges information of the second account of the second user into the other second account and sets the type of the other second account to the first type. Information processing system.

9. In the information processing system according to claim 7, The executing means stores the second account of the second user and the remittance amount in association with each other based on the result of the determination, When the other second account is designated by the second user, the registration management means updates the remittance amount associated with the second account of the second user so that the remittance amount is associated with the other second account. Information processing system.

10. In the information processing system according to claim 1, a reward provision means for storing a reward, the use of which is restricted for the second user, in association with the second account of the second user when the first user is registered with the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user; a restriction removal means for removing the restriction on the benefit associated with the second account of the second user after receiving an instruction to receive the remittance amount of electronic money from the second user; An information processing system further comprising:

11. In the information processing system according to claim 6, a reward provision means for storing a reward, the use of which is restricted for the second user, in association with the second account of the second user when the first user is registered with the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user; a restriction removal means for removing the restriction on the benefit associated with the second account of the second user when the second user is registered with the electronic money service based on the information; An information processing system further comprising:

12. In the information processing system according to claim 7, The electronic money service further includes a reward provision means for storing a reward for the second user in association with the second account of the second user when the first user is registered with the electronic money service and an instruction is given to send electronic money of a remittance amount from the first user to the second user, When the other second account is designated by the second user, the registration management means associates the remittance amount associated with the second account of the second user with the other second account. Information processing system.

13. An information processing system having a determination means and an execution means, a step in which, when an instruction to send electronic money of a remittance amount from a first user to a second user is given to an electronic money service that operates in cooperation with a messaging service provided to a first user and a second user, the messaging service identifying the first user and the second user by a first account, the electronic money service identifying the first user and the second user by a second account different from the first account, the determination means determines whether the receiving conditions of the second user are met based on the type of the second account of the second user that corresponds to the first account of the second user; a step of the execution means executing a process related to remittance indicated by the instruction based on the result of the determination; An information processing method including:

14. a determining means for determining whether a receiving condition of the second user is met based on the type of the second account of the second user, when an instruction is given to send electronic money of a remittance amount from a first user to the electronic money service, the electronic money service operating in cooperation with a messaging service provided to a first user and a second user, the messaging service identifying the first user and the second user by a first account, the first user and the second user being identified by a second account different from the first account; and means for executing a process related to the remittance indicated by the instruction based on the result of the determination; A program that allows a computer to function as a

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