Information processing system, information processing method, and program

Abstract

To provide an information processing system capable of improving convenience when determining an account of a payment source.SOLUTION: The information processing device 30 includes an account extraction unit 334, a suggestion unit 335, and a deposit source setting unit 331. The account extraction unit 334 extracts a bank account and a credit card whose account information satisfies a predetermined condition from among a plurality of accounts associated with the user. The proposal unit 335 proposes a bank account and a credit card as candidates for the deposit source of the prepaid card wallet used by the user. The deposit source setting unit 331 sets the bank account and the credit card as the deposit source of the wallet of the prepaid card based on the instruction of the user.SELECTED DRAWING: Figure 2

Description

[Technical Field]

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

[0002] A conventional system is described in Patent Document 1 below. This system determines whether the amount required for the purchase exceeds the electronic money balance when purchasing a product, and if the amount required for the purchase exceeds the electronic money balance, charges an amount that is less than the charge limit to make up the shortfall in the amount required for the purchase. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-106161 Summary of the Invention [Problem to be solved by the invention]

[0004] In the system described in Patent Document 1, for example, if a user has multiple accounts, it may be difficult to determine which of the multiple accounts to deposit funds from.

[0005] The present invention has been made in consideration of these circumstances, and its purpose is to provide an information processing system, information processing method, and program that can improve convenience when determining the account from which to deposit money. [Means for solving the problem]

[0006] An information processing system that solves the above problem includes an account extraction unit, a suggestion unit, and a deposit source setting unit. The account extraction unit extracts a predetermined account from multiple accounts associated with a user, whose account information satisfies a first predetermined condition related to the balance or available amount. The suggestion unit suggests the predetermined account to the user as a candidate deposit source for the wallet of the payment method used by the user. The deposit source setting unit sets the predetermined account as a deposit source based on instructions from the user.

[0007] In an information processing method that solves the above problem, a computer extracts a specified account from multiple accounts associated with a user, whose account information satisfies a first predetermined condition regarding the balance or available amount, suggests the specified account to the user as a candidate deposit source for the wallet of the payment method used by the user, and sets the specified account as the deposit source based on the user's instructions.

[0008] A program for solving the above problem causes a computer to extract a specified account from multiple accounts associated with a user, whose account information satisfies a first specified condition regarding the balance or available amount, suggest the specified account to the user as a candidate deposit source for the wallet of the payment method used by the user, and set the specified account as the deposit source based on the user's instructions.

[0009] According to this configuration, a more appropriate account is suggested to the user as the deposit source account, thereby improving convenience for the user when deciding on the deposit source account. [Effects of the Invention]

[0010] According to the information processing system, information processing method, and program of the present invention, it is possible to improve convenience when determining the account from which to deposit money. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a block diagram showing a schematic configuration of an information processing system according to an embodiment. [Figure 2] FIG. 1 is a block diagram showing a schematic configuration of an information processing apparatus according to an embodiment. [Figure 3] 10A and 10B are diagrams showing examples of information on potential deposit source accounts. [Figure 4] (A) and (B) are diagrams showing an example of a situation in which a wallet is charged. [Figure 5] 10A and 10B are diagrams illustrating an example of a method for calculating a reserve capacity value. [Figure 6] FIG. 10 is a diagram illustrating an example of a screen displayed on the terminal device according to the embodiment. [Figure 7] 10 is a flowchart illustrating an example of an operation of the information processing apparatus according to the embodiment. [Figure 8] FIG. 2 is a block diagram illustrating an example of a hardware configuration of a computer according to an embodiment. [Figure 9] FIG. 10 is a diagram showing an example of a screen displayed on a terminal device according to a second modified example of the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, an embodiment of an information processing system, an information processing method, and a program will be described with reference to the drawings. To facilitate understanding of the description, the same components in each drawing are denoted by the same reference numerals as much as possible, and duplicate descriptions will be omitted.

[0013] <Embodiment> First, an overview of the information processing system of this embodiment will be described.

[0014] (Outline of information processing system) 1, an information processing system 10 of this embodiment includes a terminal device 20, an information processing device 30, a payment terminal 40, a plurality of financial institution systems 50, and a plurality of card company systems 60. These devices 20, 30, terminal 40, and systems 50, 60 are connected to each other so as to be able to communicate with each other via a network line N such as the Internet.

[0015] The information processing device 30 is composed of a server device and the like. The information processing device 30 is a device that provides users with a so-called payment service, essentially acting as a proxy for payments between the user and a store when the user pays for goods or services at a store. Payment service formats include two-dimensional code, card-linked, prepaid card, and electronic money. The following describes a prepaid card payment service as an example. That is, the user can pay for goods or services by presenting a designated card to the store. Hereinafter, the amount of goods or services that the user owes the store and that is billed by the store to the information processing device 30 will be referred to as the "store bill." The information processing device 30 manages an electronic wallet for each of multiple users who use the payment service. The payment service of this embodiment employs a "wallet payment" method, in which payments are made from an amount pre-charged to the wallet. Wallet payment is also referred to as advance payment or immediate payment. Hereinafter, the amount pre-charged and available for use via wallet payment will also be referred to as the "wallet balance."

[0016] The wallet is charged based on the operation of the user's terminal device 20 or automatically by the information processing device 30. The wallet is charged from a predetermined account set by the user among multiple accounts held by the user. Hereinafter, the predetermined account set by the user for charging the wallet balance will be referred to as the "main account from which the money is deposited." When charging is performed based on the operation of the user's terminal device 20, for example, a predetermined amount set by the user is charged to the user's wallet from the main account from which the money is deposited. Automatic charging by the information processing device 30 is performed, for example, when the store bill amount is greater than the available balance of the user's wallet, i.e., when the available balance of the wallet is insufficient, the shortfall amount is automatically charged to the user's wallet from the main account from which the money is deposited.

[0017] The payment terminal 40 is a device installed in a store or e-commerce site where products are purchased or services are provided. The payment terminal 40 is, for example, a POS terminal or tablet terminal installed in the store, or a server device that manages the e-commerce site. When a user purchases a product or service, the payment terminal 40 requests the information processing device 30 to perform payment processing for the store bill.

[0018] The terminal device 20 is a device used by a user. The terminal device 20 is a personal computer, a smartphone, a tablet device, or the like. The user can configure various settings related to, for example, the payment service by operating an application installed on the terminal device 20 or a website provided by the information processing device 30. The various settings include, for example, an operation to configure a main account from which to deposit funds from among multiple accounts held by the user.

[0019] The financial institution system 50 is a system used by each of multiple financial institutions. The financial institution system 50 is a server device or the like. The financial institution system 50 is a system that manages the bank accounts of each user. For example, based on a request from the information processing device 30, the financial institution system 50 executes processes such as withdrawing a predetermined amount from a bank account and transferring the predetermined amount to the user's wallet.

[0020] The card company system 60 is a system used by each of multiple card companies. The card company system 60 is a server device or the like. The card company system 60 is a system that manages the credit cards of each user. The card company system 60 executes a deposit process or the like for depositing a predetermined amount of money into a user's wallet based on a request from the information processing device 30, for example.

[0021] (Configuration of information processing device) Next, the configuration of the information processing device 30 will be described.

[0022] As shown in FIG. 2, the information processing device 30 includes a communication unit 31, a storage unit 32, and a control unit 33.

[0023] The communication unit 31 performs various communications with the terminal device 20, the payment terminal 40, a plurality of financial institution systems 50, and a plurality of card company systems 60 via the network line N.

[0024] The storage unit 32 stores various types of information held by the information processing device 30. For example, the storage unit 32 stores various programs executed by the control unit 33. The storage unit 32 also stores a user DB (database) 320, an account DB 321, and the like.

[0025] The user DB 320 stores, for example, account information held by each user, main account from which the deposit is made, etc., in association with account information assigned to each user. The account information includes the user name, the user's identification number, and a password set by the user. The account information is transmitted from the terminal device 20 when logging in to an application or website where various settings for the payment service can be configured, and is used for user authentication in the information processing device 30.

[0026] The account DB 321 stores information on candidate deposit source accounts for a wallet, associated with the identification numbers of each of multiple users. The candidate deposit source accounts are accounts that a user can select as the deposit source account for the wallet. The candidate deposit source accounts can be set by the user operating the terminal device 20. If there are multiple candidate deposit source accounts, the user can set any one of them as the deposit source account. The information on the candidate deposit source accounts is, for example, information such as that shown in Figures 3(A) and (B).

[0027] When the candidate account for the deposit source is a bank account, the account DB 321 stores the information of a plurality of bank accounts B1 to B2 as shown in FIG. 3(A). mFor each bank account, an identification number, bank name, branch name, deposit type, user deposit amount, etc. are stored in association with each other. Note that m is an integer equal to or greater than 1, and Fig. 3(A) illustrates the case where m = 3. In this embodiment, one or more bank accounts registered in the account DB321 in the form shown in Fig. 3(A) are examples of third bank accounts and fourth bank accounts.

[0028] When the candidate account for the deposit source is a credit card, the account DB 321 stores information about the credit card, such as a plurality of credit cards C1 to C2, as shown in FIG. 3(B). n For each credit card, an identification number, card number, credit card brand, monthly credit limit, amount used this month, amount used last month, etc. are stored in association with each other. Note that n is an integer equal to or greater than 1, and FIG. 3(B) illustrates the case where n=2. In this embodiment, one or more credit cards registered in the account DB321 in the form shown in FIG. 3(B) are an example of a third credit card and a fourth credit card.

[0029] 2 controls the information processing device 30. The control unit 33 has functional components that are realized by executing a program stored in the storage unit 32, including an account information update unit 330, a deposit source setting unit 331, a payment processing execution unit 332, a charge unit 333, an account extraction unit 334, and a proposal unit 335.

[0030] The account information update unit 330 periodically updates information on multiple candidate deposit source accounts registered in the account DB 321. For example, the account information update unit 330 communicates with multiple financial institution systems 50 to acquire information on each user's bank account from each of the multiple financial institution systems 50, and updates the bank account information for each user registered in the account DB 321 based on the acquired information. The account information update unit 330 also communicates with multiple card company systems 60 to acquire information on each user's credit card from each of the multiple card company systems 60, and updates the credit card information for each user registered in the account DB 321 based on the acquired information. The account information update unit 330 may also update information on multiple candidate deposit source accounts registered in the account DB 321 based on user operation on the terminal device 20.

[0031] The deposit source setting unit 331 registers the main deposit source account of the user's wallet. For example, when a user operates the terminal device 20 to select a predetermined account to set as the main deposit source account from among multiple accounts registered in the account DB 321, selection information for the predetermined account selected by the user is transmitted from the terminal device 20 to the information processing device 30. Upon receiving the selection information transmitted from the terminal device 20, the deposit source setting unit 331 stores the predetermined account selected by the user in the user DB 320 as the main deposit source account. Note that the following description will be given taking as an example a case where the main deposit source account is set to bank account B1 shown in FIG. 3(A).

[0032] When a user purchases a product or service at a store using a prepaid card and a store bill is transmitted from the payment terminal 40, the payment processing execution unit 332 executes a payment process for the store bill. For example, if the store bill is Bs and the user's current wallet balance is Wb, the payment processing execution unit 332 determines whether the store bill Bs and the wallet balance Wb satisfy "Wb ≧ Bs" when the store bill Bs is transmitted from the payment terminal 40. If the store bill Bs and the wallet balance Wb satisfy "Wb ≧ Bs," the payment processing execution unit 332 executes the payment process as is. As the payment process, the payment processing execution unit 332 executes, for example, a process for paying the store bill Bs to the store and a balance update process for subtracting the store bill Bs from the wallet balance Wb. In this embodiment, the store bill Bs is an example of a payment request amount.

[0033] The charging unit 333 charges a predetermined amount to the user's wallet from the bank account B1, which is the main account of the deposit source. In this embodiment, the charging unit 333 is an example of a deposit processing unit.

[0034] For example, when a user performs an operation on terminal device 20 to charge a predetermined set amount from bank account B1 to a wallet, charging unit 333 requests financial institution system 50 corresponding to bank account B1 to deposit the set amount. In response, financial institution system 50 executes a process to transfer the set amount from bank account B1 to the user's wallet. As a result, the user's deposit amount in bank account B1 decreases by the set amount, and the user's wallet balance increases by the set amount.

[0035] In addition, the charging unit 333 also performs a so-called auto-charging process of automatically charging a predetermined amount from the bank account B1, which is the main account of the payer, to the user's wallet. For example, when the store billing amount Bs is transmitted from the settlement terminal 40, if the store billing amount Bs and the current wallet balance Wb of the user satisfy "Wb < Bs", that is, when the store billing amount Bs is more than the wallet balance Wb, it is determined that the wallet balance is insufficient. In this case, the charging unit 333 performs a so-called auto-charging process of automatically charging a predetermined amount from the bank account B1, which is the main account of the payer, to the user's wallet.

[0036] When the charging unit 333 executes the auto-charging process, first, it calculates the shortage amount As based on the following formula f1 from the store billing amount Bs and the current wallet balance Wb of the user.

[0037] As = Wb - Bs (f1) For example, as shown in FIG. 4(A), when the store billing amount Bs is "22,000 yen" and the wallet balance Wb is "1,200 yen", the shortage amount As is calculated as "20,800 yen".

[0038] Next, the charging unit 333 reads information on the deposit amount Ad of bank account B1, which is the main account of the deposit source, from the account DB 321 and determines whether the read deposit amount Ad and the shortfall amount As satisfy "Ad ≧ As," i.e., whether the deposit amount Ad is greater than or equal to the shortfall amount As. If "Ad ≧ As" is satisfied, the charging unit 333 determines that the shortfall amount As can be charged to the user's wallet from the main account of the deposit source, and requests the financial institution system 50 corresponding to bank account B1 to deposit the set amount. For example, as shown in FIG. 4(A), if the shortfall amount As is "20,8000 yen" and the deposit amount Ad of bank account B1 is "100,000 yen," the charging unit 333 determines that the shortfall amount As can be charged to the user's wallet from the main account of the deposit source, and requests the financial institution system 50 corresponding to bank account B1 to deposit "20,8000 yen." As a result, the financial institution system 50 executes a process of transferring the shortfall amount As from bank account B1 to the user's wallet. As a result, the user's deposit amount in bank account B1 decreases by the shortfall amount As, and the user's wallet balance Wb increases by the shortfall amount As. This resolves the shortfall in wallet balance Wb, and the payment processing execution unit 332 executes the payment processing for the store billed amount Bs.

[0039] Incidentally, for example, as shown in FIG. 4(B), when the shortage amount As is "208,000 yen" and the deposit amount Ad in the bank account B1 is "20,000 yen", that is, when "Ad < As" is satisfied, the charge process cannot be executed. In such a case, in the information processing system 10 of the present embodiment, a plurality of account candidates different from the main account are proposed to the user as the account for the remittance source. Further, when the user performs an operation of selecting any one of the proposed plurality of account candidates, charging from the selected account to the user's wallet is performed using the selected account as the sub-remittance source. Thereby, even when the balance of the main account is insufficient, it is possible to charge the user's wallet. In order to perform such processing, as shown in FIG. 2, the control unit 33 further includes an account extraction unit 334 and a proposal unit 335.

[0040] Next, the configurations of the account extraction unit 334 and the proposal unit 335 will be further described.

[0041] In the auto-charge process, when the deposit amount Ad in the bank account B1, which is the main account for the remittance source, and the shortage amount As satisfy "Ad < As", that is, when the deposit amount Ad is less than the shortage amount As, the account extraction unit 334 extracts candidates for the sub-account from among the plurality of candidate accounts registered in the account DB 321. The account extraction unit 334 extracts any one bank account from among the single or multiple bank accounts registered in the account DB 321 as a candidate for the sub-account, and extracts any one credit card from among the single or multiple credit cards registered in the account DB 321.

[0042] Specifically, the account extraction unit 334 reads the deposit amounts Ad2 to Ad of the bank accounts B2 to B (excluding the bank account B1, which is the main account) among the plurality of bank accounts B1 to B registered in the account DB 321 from the account DB 321. Then, the account extraction unit 334 determines the deposit amount Ad of the bank account B m Among them, the bank accounts B2 to B excluding the bank account B1, which is the main account m Of each deposit amount Ad2 to Ad m From the account DB 321. And the account extraction unit 334 is the deposit amount Ad of the bank account B i Ofi Based on the following formula f2, the reserve value Pb i where i=2, 3, , m.

[0043] Pb i =Ad i -As (f2) Then, the account extraction unit 334 calculates the calculated spare capacity value Pb i The bank account with the largest available funds value is extracted as a candidate for the sub-account. i is the largest is an example of the first predetermined condition regarding the balance.

[0044] For example, if the deposit amounts Ad2 and Ad3 of bank accounts B2 and b3 other than the main account, bank account B1, are as shown in Figure 3(A) and the shortfall As is 20,800 yen, the available funds Pb2 and Pb3 of bank account B2 and bank account b3 are calculated as shown in Figure 5(A). In this case, the account extraction unit 334 extracts bank account B2 as a candidate for a sub-account.

[0045] On the other hand, the account extraction unit 334 extracts the credit cards C1 to C2 registered in the account DB 321. n The brand information of each of the above is read from the account DB 321, and the credit card whose read brand information corresponds to a predetermined brand is extracted. The predetermined brand is, for example, a brand that can be used to charge a wallet. In the following, credit cards C1 to C n In this example, the case where all the brands of the credit cards C1 to C2 correspond to the predetermined brand will be described. n The brand is determined to be a specified brand, and credit cards C1 to C n Available quotas for each of Qa1 to Qa n , This month's usage amount Ua1~Ua n , and the previous month's usage amount Ub1~Ub n is read from the account DB 321, and the available amount Aa is calculated based on the following formula f3. jwhere j=1, 2, , n.

[0046] Aa j =Qa j -Ua j -Ub j (f3)

[0047] In addition, the account extraction unit 334 extracts the calculated credit card C j Available amount Aa j Based on the following formula f4, the reserve value Pc j Calculate the following.

[0048] PC j =Aa j -As (f4) Then, the account extraction unit 334 calculates the calculated spare capacity value Pc j The credit card with the largest available credit limit value is extracted as a candidate for the subaccount. j is the largest is an example of the first predetermined condition regarding the available amount.

[0049] For example, if the available credit limits Qa1, Qa2, current month's usage amounts Ua1, Ua2, and previous month's usage amounts Ub1, Ub2 of credit cards C1, C2 are as shown in Figure 3(B), and the shortfall As is 208,000 yen, the available credit limits Aa1, Aa2 and available funds Pc1, Pc2 of credit cards C1, C2 are calculated as shown in Figure 5(B). In this case, the account extraction unit 334 extracts credit card C2 as a candidate for a subaccount.

[0050] In this way, the account extraction unit 334 extracts, for example, bank account B2 and credit card C2 as candidates for sub-accounts.

[0051] The proposal department 335 causes the terminal device 20 to display the candidates for the sub-accounts extracted by the account extraction department 334. FIG. 6 shows an example of a screen 70 for displaying candidates for sub-accounts, which is displayed on the terminal device 20. For example, in the process of auto-charge, when the deposit amount Ad of the bank account B1, which is the main account of the remittance source, and the shortage amount As satisfy "Ad < As", that is, when the deposit amount Ad is less than the shortage amount As, the proposal department 335 displays a sub-account selection screen 70 as shown in FIG. 6 on the terminal device 20. As shown in FIG. 6, the sub-account selection screen 70 includes a message display area 71, a main account display area 72, a sub-account display area 73, a candidate display area 74, and an optional setting area 75.

[0052] In the message display area 71, for example, a message indicating that there is a shortage of balance in the main account and a message indicating that it is necessary to select a sub-account are displayed.

[0053] In the main account display area 72, the name of the main account of the remittance source set by the user is displayed.

[0054] In the sub-account display area 73, the name of the sub-account of the remittance source set by the user is displayed. If the user has not selected a sub-account for the remittance source, as shown in FIG. 6, the sub-account display area 73 is blank.

[0055] In the candidate display area 74, the candidates for the sub-accounts extracted by the account extraction department 334 are displayed. As described above, when the bank account B2 and the credit card C2 are extracted by the account extraction department 334 as candidates for the sub-accounts, the names of those accounts are displayed in the candidate display area 74.

[0056] In the candidate display area 74, a button 740 is displayed adjacent to the name of the bank account B2, and a button 741 is displayed adjacent to the name of the credit card C2. The buttons 740 and 741 are parts that the user operates when setting a sub-account.

[0057] The optional setting area 75 displays a bank account selection button 750 and a credit card selection button 751. The bank account selection button 750 and the credit card selection button 751 are sections that the user operates when he or she wishes to select an account other than bank account B2 and credit card C2 displayed in the candidate display area 74. For example, when the user operates the bank account selection button 750, all bank accounts associated with the user that are registered in the account DB 321 are displayed on a separate screen on the terminal device 20. When the user performs an operation to select one of the multiple bank accounts on this separate screen, the selected bank account is set as the deposit source sub-account. On the other hand, when the user operates the credit card selection button 751, all credit cards associated with the user that are registered in the account DB 321 are displayed on a separate screen on the terminal device 20. When the user performs an operation to select one of the multiple credit cards on this separate screen, the selected credit card is set as the deposit source sub-account.

[0058] For example, if the user operates button 740 on screen 70 shown in FIG. 6, the deposit source setting unit 331 sets bank account B2 as the deposit source sub-account. In this case, the name of bank account B2 is displayed in the sub-account display area 73. The charging unit 333 also executes a process to charge the shortfall amount As from bank account B2 to the user's wallet. As a result, the user's wallet balance Wb becomes equal to the store billing amount Bs, making it possible to pay the store billing amount Bs. Therefore, the payment processing execution unit 332 performs the payment processing. Note that information regarding the deposit source sub-account may be stored in the user DB 320 in association with the user's account information.

[0059] (Operation of information processing system) Next, an example of the operation of the information processing system 10 of this embodiment will be described.

[0060] 7, in the information processing system 10 of this embodiment, first, when a store billing amount is transmitted from the payment terminal 40 to the information processing device 30, the payment processing execution unit 332 of the information processing device 30 determines whether the user's current wallet balance Wb is equal to or greater than the store billing amount Bs (step S10). If the wallet balance Wb is equal to or greater than the store billing amount Bs (step S10: YES), the payment processing execution unit 332 executes the payment processing for the store billing amount Bs (step S11).

[0061] If the user's current wallet balance Wb is less than the store billing amount Bs (step S10: NO), the payment processing execution unit 332 determines that the payment processing cannot be executed. In this case, the charging unit 333 calculates the shortfall As based on the store billing amount Bs and the user's current wallet balance Wb using the above formula f1 (step S12). The charging unit 333 also reads information about the deposit amount Ad of bank account B1, the main account from which the deposit is made, from the account DB 321 (step S13). The charging unit 333 then determines whether the deposit amount Ad is equal to or greater than the shortfall As (step S14). If the deposit amount Ad is equal to or greater than the shortfall As (step S14: YES), the charging unit 333 executes a process to charge the shortfall As from bank account B1 to the user's wallet (step S15). As a result, the user's wallet balance Wb becomes equal to the store billing amount Bs, allowing the payment processing execution unit 332 to execute the payment processing (step S11).

[0062] If the deposit amount Ad in bank account B1, which is the deposit source main account, is less than the shortfall As (step S14: NO), the account extraction unit 334 extracts candidate deposit source sub-accounts from multiple candidate accounts registered in the account DB 321 (step S16). Then, the suggestion unit 335 suggests the candidate deposit source sub-accounts to the user by displaying a screen 70 such as that shown in FIG. 6 on the terminal device 20 (step S17). Next, the suggestion unit 335 determines whether the user has selected one of the candidate deposit source sub-accounts (step S18). If the user has selected one of the candidate deposit source sub-accounts (step S18: YES), the deposit source setting unit 331 sets the selected account as the deposit source sub-account (step S19). Then, the charging unit 333 executes a process of charging the shortfall As from the selected sub-account to the user's wallet (step S20). As a result, the user's wallet balance Wb becomes equal to the store billing amount Bs, and the payment processing execution unit 332 is able to perform the payment processing (step S11).

[0063] If the user has not performed an operation to select a candidate subaccount from which to deposit funds (step S18: NO), the suggestion unit 335 determines whether the user has performed an operation to select an arbitrary account as a subaccount from among the multiple accounts registered in the account DB 321 (step S21). If an operation to select an arbitrary account as a subaccount from among the multiple accounts registered in the account DB 321 has been performed (step S21: YES), the deposit source setting unit 331 sets the selected account as the deposit source subaccount (step S19). Then, the charging unit 333 executes a process to charge the shortfall amount As from the selected account to the user's wallet (step S20). As a result, the user's wallet balance Wb becomes equal to the store bill amount Bs, and the payment processing execution unit 332 can perform payment processing (step S11).

[0064] On the other hand, if the user does not perform an operation to select a candidate sub-account from which to deposit money (step S18: NO), nor does the user perform an operation to select an arbitrary account as a sub-account from the multiple accounts registered in account DB321 (step S20: NO), for example, if the user performs a payment cancellation process, the payment process is not performed and the process shown in Figure 7 is terminated.

[0065] (Hardware configuration of information processing systems) Next, an example of a hardware configuration for implementing the terminal device 20, the information processing device 30, the payment terminal 40, the financial institution system 50, and the card company system 60 by a computer will be described. FIG. 8 is a block diagram showing the hardware configuration of the computer 100.

[0066] As shown in FIG. 8, the computer 100 includes, for example, a processor 101, a memory 102, a storage device 103, an input I / F unit 104, a data I / F unit 105, a communication I / F unit 106, and a display device 107.

[0067] Computer 100 may be, for example, a cloud computer, a server computer, a personal computer (e.g., desktop, laptop, tablet, etc.), a media computing platform (e.g., cable, satellite set-top box, digital video recorder, etc.), a handheld computing device (e.g., PDA, email client, etc.), or any other type of computer or communications platform.

[0068] The processor 101 is a control unit that controls various processes in the computer 100 by executing programs stored in the memory 102 .

[0069] The memory 102 is a storage medium such as a RAM (Random Access Memory), etc. The memory 102 temporarily stores the code of the program executed by the processor 101 and data required when the program is executed.

[0070] The storage device 103 is a non-volatile storage medium such as a hard disk drive (HDD), flash memory, etc. The storage device 103 stores an operating system and various programs for realizing the above-mentioned components.

[0071] The input I / F unit 104 is a device for receiving input from a user. The input I / F unit 104 is, for example, a keyboard, a mouse, a touch panel, various sensors, a wearable device, etc. The input I / F unit 104 may be connected to the computer 100 via an interface such as a USB (Universal Serial Bus).

[0072] The data I / F unit 105 is a device for inputting data from outside the computer 100. The data I / F unit 105 is, for example, a drive device for reading data stored in various storage media. The data I / F unit 105 may be provided outside the computer 100. When the data I / F unit 105 is provided outside the computer 100, the data I / F unit 105 is connected to the computer 100 via an interface such as a USB.

[0073] The communication I / F unit 106 is a device for performing data communication via a network such as the Internet, either wired or wirelessly, with devices external to the computer 100. The communication I / F unit 106 may be provided outside the computer 100. When the communication I / F unit 106 is provided outside the computer 100, the communication I / F unit 106 is connected to the computer 100 via an interface such as a USB.

[0074] The display device 107 is a device for displaying various types of information. The display device 107 is, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, or the like. The display device 107 may be provided outside the computer 100. When the display device 107 is provided outside the computer 100, the display device 107 is connected to the computer 100 via, for example, a display cable. Furthermore, when a touch panel is adopted as the input I / F unit 104, the display device 107 may be configured as an integral part of the input I / F unit 104.

[0075] (Actions and Effects of Information Processing Systems) As described above, the information processing device 30 of this embodiment includes the account extraction unit 334, the proposal unit 335, and the deposit source setting unit 331. The account extraction unit 334 selects a predetermined account whose account information satisfies the first condition from among a plurality of accounts (third bank accounts) and a plurality of credit cards (third credit cards) associated with the user, for example, the margin value Pb j The bank account B2 with the highest margin value, and the margin value Pc shown in the above formula f4 j The proposal unit 335 proposes bank account B2 and credit card C2 as candidates for deposit sources for the wallet of the prepaid card (payment method) used by the user. The deposit source setting unit 331 sets, for example, bank account B2 as the deposit source based on the user's instructions.

[0076] According to this configuration, a more appropriate account is suggested to the user as the subaccount from which to deposit money, thereby improving the convenience for the user when deciding on the subaccount from which to deposit money.

[0077] The information processing device 30 includes a payment processing execution unit 332 and a charging unit 333 (deposit processing unit). The payment processing execution unit 332 executes payment processing when the store bill amount Bs (the requested payment amount) using a prepaid card is equal to or less than the wallet balance Wb. When the store bill amount Bs exceeds the wallet balance Wb, the charging unit 333 executes a deposit process for bank account B2 to increase the wallet balance Wb. Specifically, wallet deposit sources include a main account (main deposit source) and a sub-account (sub-deposit source). The main account is, for example, bank account B1 (second bank account). When the store bill amount Bs exceeds the wallet balance Wb, the charging unit 333 executes a deposit process for bank account B1. When the shortfall amount As exceeds the deposit amount Ad of bank account B1 during the deposit process for bank account B1 (when a second predetermined condition is met), the suggestion unit 335 suggests bank account B2 or credit card C2 to the user as a possible sub-account. The deposit source setting unit 331 sets bank account B2 or credit card C2 (predetermined account) as a sub-account based on the user's instructions. The charging unit 333 executes the deposit process on the sub-account instead of bank account B1.

[0078] This configuration makes it possible to easily set up a sub-account as the source of the deposit.

[0079] The proposal unit 335 proposes a plurality of bank accounts B1 to B2 registered in the account DB 321. m At least one of the four bank accounts, and multiple credit cards C1 to C registered in the account DB321 n (fourth credit card) are displayed as selectable deposit source candidates on the user's terminal device 20. The deposit source setting unit 331 sets the account selected by the user on the terminal device 20 from among at least one bank account and at least one credit card as the deposit source sub-account.

[0080] This configuration makes it possible to easily set up a sub-account as the source of the deposit.

[0081] The suggestion unit 335 displays on the terminal device 20 a sub-account selection screen 70 as shown in FIG. 6, which allows the user to set up a sub-account by himself / herself.

[0082] This configuration allows the user to set up any sub-accounts, further improving convenience.

[0083] (First Modification) Next, a first modification of the information processing system 10 according to the embodiment will be described.

[0084] The account extraction unit 334 of this modification extracts a plurality of bank accounts B1 to B2 registered in the account DB 321. m Of these, bank accounts B2 to B excluding the main bank account B1 m Among these, one or more bank accounts with a deposit amount equal to or greater than a predetermined amount are extracted as candidates for the sub-account. In this case, the condition that the deposit amount is equal to or greater than a predetermined amount is an example of the first predetermined condition.

[0085] In addition, the account extraction unit 334 extracts the credit cards C1 to C2 registered in the account DB 321. n The account extraction unit 334 reads the brand information of each of the credit cards C1 to C2 from the account DB 321 and extracts the credit cards whose read brand information corresponds to a predetermined brand. n If the brand is determined to be a specified brand, multiple credit cards C1 to C n Among these, one or more credit cards with a credit limit equal to or greater than a predetermined amount are extracted as sub-candidates. In this case, the condition that the credit limit is equal to or greater than a predetermined amount is an example of the first predetermined condition. In addition, the conditions regarding brand information and the credit cards C1 to C2 used when calculating the credit limit using the above formula f3 are also extracted. n The condition regarding the amount of use is also an example of the first predetermined condition.

[0086] The proposal department 335 displays, in the candidate display area 74 of the sub-account selection screen 70 shown in FIG. 6, one or more bank accounts that are candidates for the sub-account extracted by the account extraction unit 334, and one or more credit cards. Then, the remittance source setting unit 331 sets, as the sub-account, the account selected by the user from the one or more bank accounts and the one or more credit cards displayed in the candidate display area 74.

[0087] According to this configuration, the user can select a sub-account from the one or more bank accounts and the one or more credit cards displayed on the sub-account selection screen 70 shown in FIG. 6, so that the convenience of the user can be improved.

[0088] (Second Modified Example) Next, a second modified example of the information processing system 10 of the embodiment will be described.

[0089] In the information processing system 10 of the above embodiment, when the deposit amount Ad of the bank account B1, which is the main account for the remittance source, and the shortage amount As satisfy "Ad < As", that is, when the deposit amount Ad is less than the shortage amount As, candidates for the sub-account of the remittance source are proposed to the user. Instead of this, in the information processing system 10 of this modified example, the user can set the sub-account at an arbitrary timing, and when the user performs an operation to set the sub-account, candidates for the sub-account of the remittance source are proposed to the user.

[0090] For example, in the information processing system 10 of this modified example, when the user performs an operation to set a sub-account in an application, a website, or the like, first, the account extraction unit 334 extracts candidates for the sub-account from among the plurality of candidate accounts registered in the account DB 321.

[0091] Specifically, the account extraction unit 334 excludes the bank account B1, which is the main account, from the plurality of bank accounts B1 to B m registered in the account DB 321, and for each of the bank accounts B2 to B m their respective deposit amounts Ad2 to Adm from the account DB 321. The account extraction unit 334 then extracts the bank accounts B2 to B m Among these, the bank account with the largest deposit amount is extracted as a candidate for a sub-account. For example, if the deposit amounts Ad2 and Ad3 of bank accounts B2 and B3 other than the main account, bank account B1, are as shown in Figure 3(A), the account extraction unit 334 extracts bank account B2 as a candidate for a sub-account.

[0092] In addition, the account extraction unit 334 extracts the credit cards C1 to C2 registered in the account DB 321. n The account extraction unit 334 reads the brand information of each of the credit cards C1 to C2 from the account DB 321 and extracts the credit cards whose read brand information corresponds to a predetermined brand. n If the brand is determined to be a specified brand, credit cards C1 to C n Available quotas for each of Qa1 to Qa n , This month's usage amount Ua1~Ua n , and the previous month's usage amount Ub1~Ub n is read from the account DB 321, and the available amount Aa is calculated based on the above formula f3. j Then, the account extraction unit 334 calculates the following for the multiple credit cards C1 to C n Among them, the credit card with the largest available credit limit is extracted as a candidate for the subaccount. For example, if the available credit limits Qa1, Qa2, the current month's usage amounts Ua1, Ua2, and the previous month's usage amounts Ub1, Ub2 of credit cards C1, C2 are as shown in Figure 3(B), the account extraction unit 334 extracts credit card C2 as a candidate for the subaccount.

[0093] Next, the suggestion unit 335 causes the terminal device 20 to display the sub-account candidates extracted by the account extraction unit 334. FIG. 9 shows an example of a screen 80 for setting a sub-account, which is displayed on the terminal device 20. When an operation to set a sub-account is performed on the terminal device 20, the suggestion unit 335 displays the sub-account setting screen 80 as shown in FIG. 9 on the terminal device 20. As shown in FIG. 9, the sub-account setting screen 80 includes a message display area 81, a main account display area 72, a candidate display area 74, and an optional setting area 75. Note that elements on the sub-account setting screen 80 that are the same as or similar to those on the sub-account selection screen 70 shown in FIG. 6 are denoted by the same reference numerals, and redundant explanations will be omitted.

[0094] As shown in FIG. 9, a message display area 81 displays a message indicating that this is a screen for setting a sub-account to which payments will be made when the balance in the main account is insufficient.

[0095] For example, when the user operates button 740 on screen 80 shown in FIG. 9, deposit source setting unit 331 sets bank account B2 as the deposit source sub-account.

[0096] In this way, in a situation where payment processing is not being performed, the suggestion unit 335 of this modified example suggests to the user bank account B2 and credit card C2 extracted by the account extraction unit 334 as candidates for wallet deposit sources. Note that a situation where payment processing is not being performed refers to, for example, the period from when the store bill amount is sent from payment terminal 40 to information processing device 30 until the payment processing of the store bill amount is completed, or until the payment processing of the store bill amount is canceled for some reason.

[0097] This configuration allows the user to set the sub-account from which to deposit funds at any time, thereby improving convenience.

[0098] The configuration of the first modified example may be applied to the information processing system 10 of this modified example.

[0099] <Other Embodiments> The present disclosure is not limited to the above specific examples.

[0100] For example, the main account of the depositor may be set to credit card C1. In this case, the credit card C1 set in the main account of the depositor is an example of the second credit card. Also, when credit card C1 is set in the main account of the depositor, in the charge process using credit card C1, if the shortage amount As exceeds the available amount Aa1 of credit card C1 (when the second predetermined condition is satisfied), the proposal unit 335 may propose bank account B2 or credit card C2 to the user as candidates for the sub-account.

[0101] When the charge unit 333 executes the auto-charge process, if the deposit amount Ad of the bank account B1, which is the main account of the depositor, and the shortage amount As satisfy "Ad < As", that is, if the deposit amount Ad is less than the shortage amount As, first, the entire deposit amount Ad of the bank account B1 may be charged to the user's wallet. In this case, the account extraction unit 334 may use the amount obtained by subtracting the deposit amount Ad of the bank account B1 from the shortage amount As (As - Ad) as the secondary shortage amount As', and extract bank accounts and credit cards that are candidates for the sub-account using the secondary shortage amount As'. That is, in this case, the account extraction unit 334 uses the secondary shortage amount As' instead of the shortage amount As in the above formulas f2 and f4. Then, for example, when bank account B2 is set as the sub-account of the depositor, the charge unit 333 may execute a process of charging the secondary shortage amount (As - Ad) from the bank account B2 to the user's wallet.

[0102] In the above embodiment, the account extraction unit 334 and the proposal unit 335 extract and propose candidates for deposit source sub-accounts, respectively. However, the account extraction unit 334 and the proposal unit 335 may also extract and propose candidates for deposit source main accounts. This configuration can be realized, for example, by changing the configuration of the second modified example above, which extracts and proposes sub-accounts, to a configuration which extracts and proposes main accounts. It is also possible to adopt the method of the first modified example above when extracting and proposing candidates for deposit source main accounts. That is, the account extraction unit 334 extracts and proposes candidates for deposit source main accounts from multiple bank accounts B1 to B2 registered in the account DB 321. m Of these, bank accounts B2 to B excluding the main bank account B1 m Among these, one or more bank accounts with deposit amounts equal to or greater than a predetermined amount may be extracted as candidates for the main account. In this case, bank accounts B2 to B m is an example of a first bank account. The account extraction unit 334 also includes a plurality of credit cards C1 to C n Among these, one or more credit cards with available credits equal to or greater than a predetermined amount may be extracted as candidates for sub-accounts. n is an example of a first credit card.

[0103] The functional configurations possessed by the terminal device 20 and the information processing device 30 may be provided only in the terminal device 20, or only in the information processing device 30, or may be provided separately in each of the terminal device 20 and the information processing device 30.

[0104] Design modifications made by a person skilled in the art to the above specific examples as appropriate are also included within the scope of the present disclosure as long as they comprise the features of the present disclosure. The elements of each of the above specific examples, as well as their arrangement, conditions, shape, etc., are not limited to those exemplified and can be modified as appropriate. The elements of each of the above specific examples can be combined as appropriate as long as no technical contradictions arise. [Explanation of symbols]

[0105] 10: Information processing system, 100: Computer, 331: Deposit source setting unit, 332: Payment processing execution unit, 333: Charge unit (deposit processing unit), 334: Account extraction unit, 335: Proposal unit.

Claims

1. an account extraction unit that extracts, from among a plurality of accounts associated with a user, a predetermined account whose account information satisfies a first predetermined condition related to a balance or available amount; a suggestion unit that suggests to the user the predetermined account as a candidate for a deposit source for the wallet of the payment means used by the user; a deposit source setting unit that sets the specified account as the deposit source based on an instruction from the user. Information processing system.

2. a payment processing execution unit that executes payment processing when the requested amount of payment using the payment means is equal to or less than the available balance of the wallet; a deposit processing unit that, when the requested amount of the payment exceeds the available balance of the wallet, executes a deposit process to the deposit source to increase the available balance of the wallet. The information processing system according to claim 1 .

3. The suggestion unit suggests to the user the predetermined account extracted by the account extraction unit as a candidate deposit source for the wallet when the payment process is not being performed. The information processing system according to claim 2 .

4. the predetermined account includes a first bank account associated with the user; The account extraction unit uses, as the first predetermined condition, a condition that the deposit amount in the first bank account is equal to or greater than a predetermined amount. The information processing system according to claim 3 .

5. the predetermined account includes a first credit card associated with the user; The account extraction unit uses, as the first predetermined condition, a condition that the available credit limit of the first credit card is equal to or greater than a predetermined amount. The information processing system according to claim 3 .

6. The account extraction unit further uses, as the first predetermined condition, a condition related to the brand of the first credit card and a condition related to the amount of use of the first credit card. The information processing system according to claim 5 .

7. The deposit sources include a main deposit source and a secondary deposit source, The deposit processing unit If the requested payment amount exceeds the available balance of the wallet, execute the deposit process to the primary deposit source; When the deposit process for the main deposit source satisfies a second predetermined condition, the deposit process is executed for the secondary deposit source instead of the main deposit source; The deposit source setting unit sets the predetermined account as the secondary deposit source based on an instruction from the user. The information processing system according to claim 2 .

8. The suggestion unit suggests the predetermined account to the user as a candidate for the secondary deposit source when the deposit process for the deposit source satisfies the second predetermined condition. The information processing system according to claim 7 .

9. the primary deposit source is a second bank account associated with the user; The deposit processing unit Calculating the deficit amount by subtracting the available balance of the wallet from the requested payment amount; The second predetermined condition is that the shortfall exceeds the deposit amount in the second bank account. The information processing system according to claim 7 .

10. the primary deposit source is a second credit card associated with the user; The deposit processing unit Calculating the deficit amount by subtracting the available balance of the wallet from the requested payment amount; The second predetermined condition is that the shortfall exceeds the available balance of the second credit card. The information processing system according to claim 7 .

11. the plurality of accounts includes a plurality of third bank accounts associated with the user; The account extraction unit Calculating the deficit amount by subtracting the available balance of the wallet from the requested payment amount; The first predetermined condition is that the available funds obtained by subtracting the shortfall from the deposit amount are the largest among the plurality of third bank accounts. The information processing system according to claim 7 .

12. the plurality of accounts includes a plurality of third credit cards associated with the user; The account extraction unit Calculating the deficit amount by subtracting the available balance of the wallet from the requested payment amount; The first predetermined condition is that the available credit limit obtained by subtracting the shortfall from the available credit limit is the largest among the plurality of third credit cards. The information processing system according to claim 7 .

13. The account extraction unit further uses, as the first predetermined condition, a condition related to the brand of the third credit card and a condition related to the amount of use of the third credit card. The information processing system according to claim 12.

14. the predetermined accounts include a plurality of fourth bank accounts and a plurality of fourth credit cards associated with the user; the suggestion unit displays at least one of the fourth bank accounts and at least one of the fourth credit cards as candidates for the deposit source on the user's terminal device in a selectable manner; The deposit source setting unit sets an account selected by the user on the terminal device from among at least one of the fourth bank account and at least one of the fourth credit card as the deposit source. The information processing system according to claim 1 .

15. The suggestion unit further displays a screen on the terminal device of the user that allows the user to set the deposit source account by himself / herself. The information processing system according to claim 1 .

16. The computer extracting a predetermined account from among a plurality of accounts associated with the user, the account information of which satisfies a first predetermined condition regarding the balance or available amount; Proposing the predetermined account to the user as a candidate for a deposit source for a wallet of a payment means used by the user; Set the predetermined account as the deposit source based on the user's instruction. Information processing methods.

17. On the computer, extracting a predetermined account from among a plurality of accounts associated with the user, the account information of which satisfies a first predetermined condition regarding the balance or available amount; Providing the user with a proposal for the predetermined account as a candidate for a deposit source for a wallet of a payment means used by the user; Set the predetermined account as the deposit source based on the user's instruction program.

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