Information processing device, information processing method, and program

Abstract

To improve user convenience. [Solution] An information processing device for an electronic payment service that is linked to a bank server of a bank to which a salary is deposited, wherein when the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date specified by the salary payer, the information processing device obtains a notification of deposit information regarding the user's identification information and the deposit amount from the bank server, and in response to the notification, deposits part or all of the deposited salary into the salary wallet of the user's identification information managed by the electronic payment service.

Description

Technical Field

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

Background Art

[0002] In recent years, in the electronic payment services provided by money transfer operators, so-called "digital salary" (salary digital payment), which pays wages (salaries) in the form of electronic money by moving salary-derived funds between a company's account and an employee's account as electronic money, has been institutionalized. Various studies have been conducted on the service provision method of digital salary (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003] [[ID=二十一]] [[ID=二十二]]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Conventionally, the convenience of users has not been sufficiently considered. For this reason, the convenience of users may be low.

[0005] The present invention has been made in consideration of such circumstances, and one of the objectives is to provide an information processing apparatus, an information processing method, and a program that can improve the convenience of users.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device for an electronic payment service that is linked to a bank server of a bank to which a salary is deposited, wherein when the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date specified by the salary payer, the information processing device obtains a notification of deposit information regarding the user's identification information and the deposit amount from the bank server, and in response to the notification, deposits part or all of the deposited salary into the salary wallet of the user's identification information managed by the electronic payment service.

[0007] One aspect of the present invention is an information processing device that, when a user's salary is deposited into a virtual account of the user linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service, and deposits part or all of the electronic money in the intermediate wallet into the salary wallet of the user's identification information managed by the electronic payment service.

[0008] One aspect of the present invention is an information processing device that, when a user's salary is deposited into the user's virtual account at a first bank linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into the user's identification information salary wallet managed by the electronic payment service, and sends the electronic money of the salary in the salary wallet to a predetermined recipient on a predetermined date.

[0009] One aspect of the present invention is an information processing device that, when a user's salary is deposited into the user's virtual account at a first bank linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into the user's identification information salary wallet managed by the electronic payment service, and in response to the deposit, displays an interface screen of the electronic payment service, including information about the salary deposited into the salary wallet, on the display unit of the user terminal device. [Effects of the Invention]

[0010] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve user convenience. [Brief explanation of the drawing]

[0011] [Figure 1] This diagram shows an example of a configuration for implementing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payments. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payments. [Figure 4] This is a configuration diagram of the payment server 100 according to the embodiment. [Figure 5] This figure shows an example of the contents of user information 172. [Figure 6] This figure shows an example of the contents of merchant / store information 176. [Figure 7] This is a diagram to explain the processing of payroll. [Figure 8] This diagram illustrates the process of transferring funds from the payment source server 80 to the first bank server 200. [Figure 9] This figure shows an example of the contents of account information 92. [Figure 10] This figure shows an example of intermediate wallet information 178. [Figure 11] This figure shows an example of the contents of wallet information 180. [Figure 12] This diagram illustrates the process (1) related to depositing funds into a wallet, which is performed by the payment server 100. [Figure 13] This diagram illustrates the process (2) related to depositing funds into a wallet, which is performed by the payment server 100. [Figure 14] This is a sequence diagram showing an example of the processing flow performed by an electronic payment service. [Figure 15] This is a diagram illustrating the overview of the remittance process. [Figure 16]It is a diagram showing an example of the content of the transfer information 182. [Figure 17] It is a flowchart showing an example of the processing flow executed by the settlement server 100. [Figure 18] It is a diagram showing the interface screen IM1. [Figure 19] It is a diagram showing the interface screen IM2. [Figure 20] It is a diagram showing the interface screen IM3. [Figure 21] It is a diagram showing the interface screens IM4 and IM5. [Figure 22] It is a diagram showing the interface screen IM6. [Figure 23] It is a diagram showing the interface screen IM11. [Figure 24] It is a diagram showing the interface screen IM12 showing the breakdown by month. [Figure 25] It is an interface screen of the settlement completion screen.

Mode for Carrying Out the Invention

[0012] The following describes embodiments of the information processing apparatus, information processing method, and program of the present invention with reference to the drawings. Various devices, such as the "server" mentioned below, which provide services to users or perform internal analysis, may be implemented by a distributed group of devices, and the operators of each device may be different. Furthermore, the owner of the hardware of the devices (the provider of the cloud server) and the operator that actually operates them may also be different. The application program and the payment server work together to provide an electronic payment service. In the following description, the application program will be referred to as the payment app. The electronic payment service is a service that supports payment for the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for e-commerce. A virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when settling a purchase at a virtual store, the user may be directed to the interface screen of the electronic payment service. In the electronic payment service, a store is treated as belonging to, for example, a merchant (brand), and processing such as payment when a purchase is made at a store is mainly carried out between the user and the merchant. Alternatively, processing such as payment may be carried out between the user and the store.

[0013] [Electronic payment service] Figure 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is implemented. The electronic payment service is implemented with a payment server 100 at its center. The electronic payment system that implements the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payer server 80, a payment server 100, a first bank server 200, a second bank server 300, and one or more service servers 400. These devices communicate with each other, for example, via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, provider equipment, etc. Some or all of the functional configuration included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device.

[0014] The payment source server 80, the first bank server 200, the second bank server 300, and the service server 400 are implemented, for example, by a hardware processor such as a CPU (Central Processing Unit) executing a program (software). The payment source server 80, the first bank server 200, the second bank server 300, and the service server 400 may be implemented by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), and SOC (System On Chip), or by the cooperation of software and hardware.

[0015] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least optical reading function, communication function, display function, input acceptance function, and program execution function. In the following description, the components for realizing these functions will be referred to as camera, communication device, touch panel, CPU, etc. In the user terminal device 10, the payment application 20 is executed by a processor such as the CPU, and it operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10, for example from an application store, and controls the camera, communication device, touch panel, etc. A mini-application 30 that runs within the payment application 20 is available on the user terminal device 10. The mini-application 30 provides services to the user, for example, in cooperation with a corresponding service server 400.

[0016] [Store Terminal Device #1] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 may include a so-called POS (Point of Sale) device, and the product price acquisition function and optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on paper or plastic media. The store code image 60 may also be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0017] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet, personal computer, etc. The affiliated store interface 72 operates on the second store terminal device 70. The affiliated store interface 72 may be an affiliated store application or a browser. The affiliated store interface 72 accepts coupon settings etc. from the affiliated store operator and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image by running the affiliated store application, or reading a code image displayed by the user terminal device 10.

[0018] [Payment source server] The payment source server 80 is the server device that pays the users' salaries. On payday, the payment source server 80 works in conjunction with the first bank server 200 to transfer the salary to the designated account.

[0019] [Payment Server] The payment server 100 implements electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a merchant server, in which case payment information is transmitted from the POS device to the payment server 100 via the merchant server. In the following description, this distinction will not be made, and it will be assumed that payment information is transmitted from the first store terminal device 50.

[0020] Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payments. There may be two patterns for electronic payments: Pattern 1 and Pattern 2.

[0021] In the case of Pattern 1 shown in Figure 2 (hereinafter referred to as User Scan), the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 contains information about the store URL (Uniform Resource Locator). This store URL is an electronic payment service domain to which information that can identify the store has been added, and is associated with the merchant ID and store ID, etc., at the payment server 100 (described later). The payment application 20 sends the first payment information, including the store URL and account ID, to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen where the merchant name and store name are displayed (S5). The user terminal device 10 then generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 60 is displayed on a display placed in the store, the store code image 60 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0022] In the case of Pattern 2 shown in Figure 3 (hereinafter referred to as Store Scan), when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or barcode that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it), and the first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode scanning or manual input. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs the electronic payment (S17). The payment server 100 then sends a payment completion notification to the payment app 20 (S18), and the payment app 20 displays a payment completion screen (S19).

[0023] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0024] [Payment Server Functional Configuration] Figure 4 is a diagram of the configuration of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provision unit 120, a payment processing unit 130, an information management unit 140, a payroll processing unit 150, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSIs, ASICs, FPGAs, GPUs, and SOCs, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted on a drive device.

[0025] The storage unit 170 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may also be a NAS (Network Attached Storage) device accessible by the payment server 100 via the network. The storage unit 170 stores information such as user information 172, content information 174, merchant / store information 176, intermediate wallet information 178, wallet information 180, and remittance information 182. Some of this information may also be stored in the storage unit of the user terminal device 10 or in the storage devices of other devices. Details of each piece of information will be described later.

[0026] The communication unit 110 is a communication interface for connecting to a network NW. The communication unit 110 is, for example, a network interface card.

[0027] The content provider unit 120, for example, has the functionality of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content provider unit 120 reads the necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while the content is being played by the payment application 20 and transmits the aforementioned payment information to the payment server 100. The above content may also be generated by the payment application 20. In this case, the content provider unit 120 provides the payment application 20 with the information necessary for generating the content.

[0028] The payment processing unit 130 performs payment processing based on payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0029] [User information] Figure 5 shows an example of the contents of User Information 172. User Information 172 is an example of user registration information. User Information 172 includes, for example, user URL, account ID, phone number, password, as well as information such as email address, user ID, name, address, date of birth, registration date, wallet information 180 (charge balance of each wallet) described later, credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for transfer processing between users. When registering for a new electronic payment service, registration of a phone number and password is mandatory. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can set at will (or does not have to set). Similarly, the email address, name, address, and date of birth are also information that the user can set at will (or does not have to set). The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0030] Each of the 180 wallets mentioned above includes both a regular wallet and a salary wallet. The salary wallet is where salary electronic money is deposited, while the regular wallet is where electronic money from sources other than salary is deposited.

[0031] The charge balance is information indicating the balance of electronic money set by the user by sending money to their account in advance. Methods of sending money include sending from an ATM (Automatic Teller Machine) of a designated provider (bank) and sending from a registered bank account. The credit payment setting indicates whether or not the user has completed the settings to enable electronic payments via credit card using the payment app 20, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for available credit payments, the credit payment amount is the amount already used for credit payments in the current month, and the available credit payment amount is the amount available for credit payments in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the diagram shows only one credit payment limit, in reality there are also daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will use electronic payment with the charge balance or payment by credit card at that time. The bank account and credit card number information, respectively, refers to the bank account or credit card number (account number, card number) to which funds can be deposited into the electronic payment service. The charge history information is a record of when the user has previously sent money to the electronic payment service to increase the charge balance. The payment history information shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0032] [Franchise / Store Information] Figure 6 shows an example of the contents of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which the merchant ID and store ID are associated with the store URL, a second table 176B in which the merchant name and sales amount (as described above) are associated with the merchant ID, and a third table 176C in which the store name is associated with the store ID. In addition to this information, the merchant / store information 176 may also include information such as the merchant or store category, the store's location, and payment patterns.

[0033] The Information Management Unit 140 acquires information provided by other server devices. Based on the information acquired from the user terminal device 10 and the second store terminal device 70, the Information Management Unit 140 manages user information 172 and affiliated store / store information 176. The Information Management Unit 140 performs operations such as adding, editing, and deleting new records for user information 172 and affiliated store / store information 176.

[0034] [Electronic payment] When the payment processing unit 130 obtains payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the user's "payment method setting". For users whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance, which is managed in association with the user ID, and increasing the value of the merchant's sales proceeds item. For example, the value of the merchant's sales proceeds item is not used as electronic money itself, but rather the amount corresponding to the value of the sales proceeds item is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service.

[0035] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment (credit payment using code information)". Credit payment is a payment method that is carried out in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the donor and allows electronic payment that does not depend on the charge balance within the credit payment limit. In order to use the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used by credit payment is settled in a lump sum for the month on the payment date of the following month, for example, by withdrawal from a bank account. In this case, the payment processing unit 130 performs a provisional settlement by adding the settlement amount to the amount used by credit payment and subtracting the same amount from the available credit payment limit. When the closing date arrives, it processes the payment for the current month to be withdrawn on the payment date of the following month as described above, or requests the operator of the credit card company to perform the said process. If the settlement amount exceeds the available credit payment limit at the time of provisional settlement, an error notification is sent back to the payment app 20.

[0036] [Payroll Service] The payroll processing unit 150 performs various processes related to salaries. For example, the payroll processing unit 150 sends salaries to a salary wallet (described later) or to a designated bank account. Details of these processes will be described later.

[0037] [First Bank Server] The First Bank Server 200 is a server device of the First Bank. Based on instructions from the Payer Server 80, the First Bank Server 200 transfers salaries to the users' virtual accounts. Specifically, the First Bank Server 200 deposits salaries into the bank account of the electronic payment service and then deposits the salaries into the users' virtual accounts linked to that bank account.

[0038] [Second Bank Server] The second bank server 300 is the server equipment of the second bank. Based on instructions from the settlement server 100, the second bank server 300 transfers salaries and other payments to the user's bank account at the second bank.

[0039] [Service Server] The service server 400 works in conjunction with the payment application 20, the mini-application 30, or the payment server 100 to provide services to users. These services include a variety of services such as securities services, banking services, insurance services, and shopping services.

[0040] [Overview of salary payment processing] Figure 7 is a diagram illustrating the processing of payroll. (1) On the user's payday, the payment source server 80 coordinates with the first bank server 200 to transfer the salary to the user's virtual account (details below). (2) The first bank server 200 notifies the settlement server 100 of the salary deposit. (3) The payment server 100 charges the salary to the user's salary wallet in response to the notification. (4) If the salary exceeds the maximum amount that can be charged to the salary wallet, the payment server 100 will cooperate with the second bank server 300 to transfer (automatically transfer) the amount exceeding the limit to the user's bank account at the second bank. (5) The payment server 100 works in cooperation with the service server 400 to provide services to users in response to user operations on the payment app 20 or mini-app 30. For example, the payment server 100 provides various services to users using electronic money deposited into the salary wallet.

[0041] [Overview of the process for transferring funds from the payer server to the first bank server] Figure 8 is a diagram illustrating the process of transferring funds from the payment source server 80 to the first bank server 200. The payment source server 80 includes, for example, a payroll processing unit 82 and a storage device 90 that stores account information 92, which will be described later. The payroll processing unit 82 works in cooperation with the first bank server 200 to transfer salaries to the users' virtual accounts on payday.

[0042] The first bank server 200 includes, for example, a remittance processing unit 210 and a storage device 220 in which account information 222 is stored. The remittance processing unit 210 transfers the specified amount of salary to a virtual account specified by the payer server 80.

[0043] Figure 9 shows an example of the contents of account information 92. Account information 92 is information that associates, for example, a bank account, one or more virtual accounts linked to the bank account, and user identification information for each virtual account. The virtual account information in account information 92 is information that the user has provided to the payer. Note that the user identification information managed on each server does not have to be the same and may be linked in a way that allows them to be recognized by each other. "User identification information" also includes information that is linked to identification information on other servers.

[0044] Account information 222 contains similar information. Users can open a virtual account using the payment app 20. Details of this process will be described later.

[0045] [Payroll processing on the payment server] As described above, when a salary is transferred to the first bank server 200, the first bank server 200 notifies the settlement server 100. The notification includes information such as the amount of the salary, the identification information of the user related to the salary, and information indicating that the salary has been transferred.

[0046] [Processing related to transfers from virtual accounts to salary wallets] The payroll processing unit 150 of the payment server 100 is linked to the first bank server 200 of the first bank to which the salary is deposited. When the first bank server 200 deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on the date specified by the salary payer, the payroll processing unit 150 receives a notification of deposit information from the first bank server 200, including the user's identification information and the amount deposited. In response to the above notification, the payroll processing unit 150 deposits part or all of the deposited salary into the salary wallet of the user's identification information managed by the electronic payment service.

[0047] For example, when a user's salary is deposited into the user's virtual account linked to the user's identification information of the electronic payment service, the payment server 100 deposits the electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service. The payment server 100 then deposits some or all of the electronic money in the intermediate wallet into the salary wallet of the user's identification information managed by the electronic payment service. For example, when a deposit is made into the intermediate wallet, the payment server 100 may notify the user that their salary has been deposited. This notification may be made via the payment application 20.

[0048] The payment server 100, upon notification, deposits a portion of the deposited salary into the salary wallet of the user's identification information managed by the electronic payment service. The payment server 100 deposits the salary into the salary wallet immediately upon notification. Specifically, when the payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, it immediately deposits a portion or all of the deposited electronic money into the salary wallet of the user's identification information managed by the electronic payment service. "Immediately" means, for example, within a few seconds, tens of seconds, minutes, tens of minutes, or hours from the time of notification of salary deposit or when the salary is deposited into the virtual account.

[0049] The payroll processing unit 150 executes a process to deposit a portion of the received salary into a bank account associated with the user's identification information. The bank account is a bank account managed by the second bank server 300. The deposit process involves, for example, the payroll processing unit 150 instructing the second bank server 300 to deposit a portion or all of the salary into a specified bank account, and causing the second bank server 300 to deposit the funds into the bank account.

[0050] For example, processing is carried out using an intermediate wallet as follows: In response to the above notification, the payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, deposits the electronic money from the intermediate wallet into the salary wallet, and deposits it into the bank account of the second bank associated with the user's identification information. For example, when the payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, it deposits a portion of the deposited electronic money into the salary wallet of the user's identification information managed by the electronic payment service. The payment server 100 then executes a process to deposit all or part of the remaining salary into the bank account associated with the user's identification information.

[0051] The payment server 100 refers to the intermediate wallet information 178 and temporarily charges the full amount of the salary to the intermediate wallet linked to the user's identification information. Figure 10 shows an example of the intermediate wallet information 178. The intermediate wallet information is information that associates the user's identification information with the contents of the intermediate wallet.

[0052] [Wallet, transfer to bank account] The payment server 100 deposits part or all of the salary so that the balance in the salary wallet is below a threshold, and executes a process to deposit the portion of the salary that exceeds the threshold into the bank account of the second bank.

[0053] The payment server 100 deposits electronic money corresponding to the salary into an intermediate wallet, deposits the electronic money from the intermediate wallet into the salary wallet, deposits it into a bank account at a second bank associated with the user's identification information, and deposits the electronic money from the salary wallet into a pre-configured bank account at a third bank (the bank account specified in remittance information 182).

[0054] The payment server 100 associates the salary sent to the intermediate wallet and further associates the salary with the salary wallet by referring to the wallet information 180. Figure 11 shows an example of the contents of the wallet information 180. The wallet information 180 is, for example, information that associates the amount in the salary wallet with the amount in the regular wallet for the user's identification information.

[0055] The salary wallet is a wallet specifically for salaries that have been sent to the account. The regular wallet is a wallet into which electronic money sent from sources other than salaries is deposited. The salary wallet has a spending limit (for example, 200,000 yen). The regular wallet also has a spending limit (for example, 800,000 yen). It is also possible to set a spending limit (for example, 1,000,000 yen) on the total amount deposited into the salary wallet and the regular wallet, and to set a spending limit (200,000 yen) on the salary wallet itself. In the following example, we will explain assuming that the spending limit for the salary wallet is 200,000 yen and the spending limit for the regular wallet is 800,000 yen.

[0056] Figure 12 is a diagram illustrating the processing (1) related to deposits into a wallet performed by the payment server 100. For example, the payment server 100 deposits salaries into the salary wallet. However, if the sum of the amount deposited into the salary wallet and the amount of the salary exceeds the salary wallet's upper limit, the payment server 100 transfers the excess amount of the salary to the user's bank account at the second bank server 300.

[0057] Figure 13 is a diagram illustrating the process (2) related to depositing funds into a wallet, etc., performed by the payment server 100. As shown in Figure 12, if the salary is "300,000 yen", the amount normally deposited into the wallet is "800,000 yen", and the amount deposited into the salary wallet is "0 yen", the payment server 100 deposits 200,000 yen into the salary wallet. This brings the amount deposited into the salary wallet to the maximum amount of 200,000 yen. The payment server 100 sends the excess amount of 100,000 yen from the 300,000 yen salary to the second bank server 300 and requests that it be transferred to the user's bank account. The second bank server 300 transfers 100,000 yen to the user's bank account.

[0058] For example, in the above example, if the amount deposited into the salary wallet is 100,000 yen, the payment server 100 will request the second bank server 300 to transfer the excess amount of 200,000 yen from the 300,000 yen salary to the user's bank account. The second bank server 300 will then transfer 200,000 yen to the user's bank account.

[0059] As described above, the payment server 100 adjusts salary deposits so that the amount in the salary wallet does not exceed 200,000 yen.

[0060] [Insurance coverage] The payment server 100 guarantees the salaries in the salary wallet by applying insurance to them. Based on updates to the status of the salary wallet, the payment server 100 updates the insured items and applies insurance to the electronic money in the updated salary wallet to guarantee the salaries in the salary wallet. For example, the insurance is renewed at predetermined intervals, such as once a day. Each time the status of the salary wallet is updated, the payment server 100 updates the insured items and applies insurance to the electronic money in the updated salary wallet to guarantee the salaries in the salary wallet. For example, each time a deposit is made into the salary wallet, the payment server 100 applies insurance to the electronic money in the salary wallet after the deposit. For example, each time the electronic money in the salary wallet is used, the payment server 100 applies insurance to the remaining electronic money in the salary wallet. Insurance is insurance that guarantees the amount deposited into the salary wallet.

[0061] The payment server 100 may, for example, send the amount in the salary wallet and information about the user of the salary wallet (such as name and address, which are necessary for insurance coverage) to an insurance server (not shown) to request that insurance be taken out on the amount deposited into the salary wallet. The payment server 100 may then confirm that electronic money has been deposited into the salary wallet or withdrawn from the salary wallet when it receives information from the insurance server indicating that an insurance contract has been concluded or renewed.

[0062] Furthermore, the payment server 100 may, for example, collect log information of the salary wallet for a predetermined period, instead of each time the contents of the salary wallet are updated, and provide it to the insurance server at a predetermined time. For example, the insurance company on the insurance server can guarantee the electronic money in the salary wallet, as long as it is within the upper limit, by receiving the log information.

[0063] As described above, the payment server 100 can guarantee the electronic money equivalent to the salary by applying insurance. This allows users to use the salary receiving service in the electronic payment service with peace of mind.

[0064] [Sequence Diagram] Figure 14 is a sequence diagram showing an example of the processing flow performed by the electronic payment service. First, the payer server 80 sends the salary to the first bank server 200 on payday and then sends the salary to the user's virtual account (S100). Next, the first bank server 200 notifies the settlement server 100 that the salary has been deposited into the virtual account (S102).

[0065] Next, the payment application 20 deposits the amount of salary deposited into the virtual account into the intermediate wallet (S104). Next, the payment server 100 calculates the amount that can be deposited into the salary wallet and deposits the calculated amount into the salary wallet (S106). The amount that can be deposited is such that the amount in the salary wallet is 200,000 yen or less, as mentioned above. Next, the payment server 100 transfers the excess amount of the salary, which is the amount other than the deposited amount, to the user's bank account at the second bank server 300 (S106). When this process is performed, the second bank server 300 or the payment server 100 notifies the first bank server 200 of the amount of the excess that has been transferred. Furthermore, the payment server 100 notifies the first bank server 200 of the amount of electronic money that has been sent to the salary wallet. As a result, the first bank server 200 recognizes that a portion of the salary from the electronic payment service's bank account has been deposited into the second bank's bank account, and the remaining portion has been sent to the salary wallet, and settles the transaction in the electronic payment service's bank account (the user's virtual account).

[0066] As described above, electronic payment services can provide users with the service of receiving their salaries. Since users can receive their salaries through electronic payment services, user convenience is improved.

[0067] [Processing related to the use of payroll services] The payment server 100 sends the salary (electronic money) deposited into the salary wallet to a recipient set in advance by the user. The transfer is made on the transfer date set by the salary payer or the user. At a predetermined time, the payment server 100 executes a transfer process (standing instruction) to send the electronic money of the electronic payment service to a pre-specified electronic payment service or a service different from the electronic payment service.

[0068] Figure 15 is a diagram illustrating the overview of the remittance process. The payroll processing unit 150 of the settlement server 100 sends the electronic money from the salary wallet, which has been deposited via the payer server 80 and the first bank server 200, to the recipient.

[0069] Figure 16 shows an example of the contents of remittance information 182. The recipient is specified in the recipient information. Recipient information is information that associates the recipient (or service), the amount to be remitted, the scheduled remittance date, and the linked service with the user's identification information. The recipient information may associate the type of wallet used with the user's identification information, or it may associate the type of wallet used for remittance for each recipient. The recipient or scheduled remittance date can be set by the user by operating the payment application 20 of the electronic payment service. The recipient may be, for example, a recipient managed by a service provided in the electronic payment service, or it may be another affiliated service.

[0070] The recipient or service to which the money is sent may include, for example, the credit card company of the credit card being used, the loan repayment provider, an electronic payment service account or account of a pre-designated person such as a spouse (for P2P transfers), the insurance company providing the insurance, the securities company being used (for investment accounts), the user's bank account (deposits), the user's (or a designated person's) account (charges), a bank account of a person other than the designated user, or the voucher seller for an automatic voucher purchase service. An account or account for P2P transfers is an example of "another user's wallet linked to the user in the aforementioned electronic payment service."

[0071] Electronic money will be automatically sent to the above recipient on the specified date. For example, on the specified date, payments will be made to credit card companies, loans, deposits to specified accounts, insurance premiums, purchases of specified securities or other financial products, deposits, top-ups to the user's account, deposits to a specified person's bank account, and purchases of pre-set vouchers.

[0072] The recipient information may also have a priority assigned to it. Users can set the priority by operating the payment app 20. The payment server 100 may refer to the recipient priority set by the user and the amount to be sent to each recipient, and send the electronic money from the salary wallet to the recipient with the highest priority. This allows for priority transfers to recipients with higher priority.

[0073] If the electronic money in the salary wallet is insufficient for a remittance, the payment server 100 may use the regular wallet to send the funds to the recipient. This allows for a more reliable transfer of funds to the recipient.

[0074] In the above example, if the amount charged to the salary wallet (salary electronic money) is used by another user or for a specified service, it will no longer be the amount charged to the salary wallet (insured charge amount). For example, if money is sent from the salary wallet to another user, that electronic money will be treated as electronic money that is not covered by insurance. However, if the electronic money is returned to the user due to specified circumstances, for example, even after it has left the salary wallet, it may be recharged to the salary wallet or treated as electronic money covered by insurance. For example, if the payment server 100 attempts to send money to another user's account or to a specified bank account based on the user's instructions, but the transfer fails, the sent or attempted salary electronic money will be treated as salary electronic money again. For example, if a user uses the electronic money in their salary wallet to make an electronic payment for a shopping service, then cancels the order and the electronic money is refunded, it will be treated as salary electronic money again. For example, the electronic money will be recharged to the salary wallet and insured.

[0075] As described above, since the recipient is set, the following process is automatically executed. When a deposit is made to the user's virtual account, the payment server 100 deposits the portion of the salary that is less than or equal to the salary wallet's upper limit into the salary wallet as electronic money, deposits the portion of the salary exceeding the salary wallet's upper limit into the designated bank account at the specified bank, and deposits the electronic money from the salary wallet as cash into the designated recipient bank on the day of the transfer. The payment server 100 deposits the electronic money corresponding to the salary into an intermediate wallet, and deposits the salary into the designated bank account and the salary wallet via the intermediate wallet. As described above, the payment server 100 can properly manage the salary electronic money.

[0076] [Flowchart (Payroll Service Application)] Figure 17 is a flowchart showing an example of the processing flow performed by the payment server 100. The order of the following processes may be changed, and the order of some of the processes may be changed.

[0077] First, the payment server 100 determines whether the user has operated the payment app 20 to apply for payment of salary using the electronic payment service (S200). If the above operation has been performed, the payment server 100 determines whether the acquired user identification information and user information 172 have been eKYC (electronic Know Your Customer; identity verified) (S202). The user information 172 has information associated with the user identification information indicating whether or not eKYC has been completed. If eKYC has not been completed, the payment server 100 provides the payment app 20 with an interface screen for performing eKYC and performs the eKYC process. eKYC is a process that verifies identity based on images of identity verification documents and the person's face provided via the network.

[0078] If eKYC has been completed, the payment server 100 performs a wallet check to determine whether the requirements are met (S204). Specifically, the payment server 100 determines whether the amount charged to the user's regular wallet meets the conditions. The conditions include, for example, that the charged amount is less than or equal to a predetermined amount. The predetermined amount is, for example, the wallet's upper limit or set amount, such as 1 million yen or 800,000 yen. The predetermined amount is set so that when a salary wallet is set up and a salary is transferred, it can be deposited into the salary wallet.

[0079] If the wallet check requirements are not met, the payment server 100 performs a predetermined process (S206). This predetermined process includes, as described above, notifying the user that they can apply for a salary payment when the amount charged to their regular wallet falls below a predetermined amount, or transferring the balance of the regular wallet to a designated bank account.

[0080] If the wallet check requirements are met, the payment server 100 generates a salary wallet (S208). Next, the payment server 100 provides various content to the payment application 20 (S210). The various content includes, for example, content related to the salary payment service. For example, information indicating that a predetermined amount of the salary will be deposited into the salary wallet and the remainder into the autosweep bank account (second bank account), or information indicating that a transfer can be made from the salary wallet to the specified service on a specified date (scheduled transfer date), as explained in Figure 15. The name of the autosweep bank account must be the same as the name of the eKYC account mentioned above. The payment server 100 determines this identity. Note that a bank account with a different name may be registered as the autosweep bank account.

[0081] Next, the payment server 100 displays an interface screen for setting up biometric authentication on the display unit of the user terminal device 10, prompting the user to perform the biometric authentication setup (S212). The biometric authentication can be any authentication method, such as fingerprint authentication or facial recognition. Thereafter, the payment server 100 provides the service when biometric authentication is successful when the user uses the payroll service.

[0082] Next, the payment server 100 displays an interface screen for setting up auto-sweep bank accounts on the display unit (S214). For example, the interface screen displays a list of bank accounts that have been used by users in the electronic payment service. Users set up auto-sweep bank accounts on the interface screen by specifying a new bank account or selecting a desired bank account from the list.

[0083] Once the above process is executed, the settlement server 100 sets up a virtual account for the user (S216). For example, the settlement server 100 may set a predetermined account from among the pre-prepared virtual accounts as the user's virtual account, or it may cooperate with the first bank server 200 to obtain and set up a virtual account for the user. The settlement server 100 also manages information that associates user identification information, such as the account information 222 described above, with virtual accounts.

[0084] When the payment server 100 sets up a virtual account, it displays the interface screen IM1 shown in Figure 18 on its display unit. The interface screen IM1 includes information such as the name of the bank managing the virtual account, the account number of the virtual account, and the name of the user associated with the account. The user provides the virtual account information to the payer who receives their salary, and the payer sets the user's virtual account as the recipient of the salary. As a result, the payer server 80 transfers the salary to the user's virtual account.

[0085] As described above, the payment server 100 normally lowers the wallet limit (for example, from 1 million yen to 800,000 yen) when the application for salary payment is completed or when the wallet check is completed. If the user cancels the salary payment service, the payment server 100 raises the wallet limit (for example, from 800,000 yen to 1 million yen). In this way, the payment server 100 adjusts the wallet limit at the appropriate time.

[0086] [Interface screen for receiving salary] When a user's salary is deposited into the user's virtual account at the First Bank, which is linked to the user's identification information of the electronic payment service, the payment server 100 deposits the electronic money corresponding to the salary into the user's identification information salary wallet managed by the electronic payment service. In response to the deposit, the payment server 100 displays the interface screen of the electronic payment service, which includes information about the salary deposited into the salary wallet, on the display unit of the user terminal device 10.

[0087] For example, the payment server 100 displays an interface screen that includes the amount of salary deposited into the salary wallet and information about the auto-sweep bank account, etc., in response to a deposit (see Figures 19 and 20).

[0088] [Interface screen (1)] The payment server 100 displays an interface screen related to salary receipt on the display unit of the user terminal device 10. Figure 19 shows the interface screen IM2. The interface screen IM2 includes information such as the amount of salary received each month, the amount deposited into the salary wallet, and the amount deposited into the auto-sweep bank account. By referring to the interface screen IM2, the user can check the monthly breakdown of salary receipts (breakdown for each predetermined period).

[0089] [Interface screen (2)] The payment server 100 displays the interface screen for salary receipt shown in Figure 20 on the display unit of the user terminal device 10. Figure 20 is a diagram of the interface screen IM3. The interface screen IM3 includes, for example, the name of the salary recipient, the amount of salary received, information on services that can be set (P2P, information on standing instructions such as bank transfers), information on the auto-sweep bank account, and information on the wallet to be used preferentially. The user can select the wallet to be used preferentially by operating button B included in the interface screen IM3.

[0090] For example, users can set their regular wallet to be used preferentially, or their salary wallet to be used preferentially. When an electronic payment is made using the electronic payment service, the payment server 100 will use the charged amount of the configured wallet preferentially based on the above settings. The payment server 100 will execute the electronic payment using the wallet that has been set to be used preferentially by operating the setting button that sets the priority. The payment server 100 will execute the electronic payment using the electronic money of the wallet that the user has designated as their priority.

[0091] In addition to the two wallets mentioned above, the term "wallet" may also include a points wallet with points charged to it, and a specific wallet for electronic money that cannot be transferred to a bank account. Electronic money that cannot be transferred to a bank account is electronic money that has been deposited through methods other than bank account transfers, such as charging using a credit card or charging using a designated service. Users can choose to use the wallet they preferentially from among the multiple wallets mentioned above. In addition, the use of the points wallet and the specific wallet may take precedence over the use of other wallets.

[0092] [Interface screen (3)] The payment server 100 may display the interface screen for salary receipt shown in Figure 21 on the display unit of the user terminal device 10. Figure 21 shows interface screens IM4 and IM5. Interface screen IM4 is, for example, a screen for salary receipt. Interface screen IM4 includes, for example, the name of the salary recipient, the amount charged to the salary wallet, information on the recipient and amount of the transfer for which standing instructions (allocation management) have been set, button B2 for adding allocation management, the transfer date of the electronic money related to allocation management, information on the bank account for auto-sweep, and button B1 for displaying the monthly breakdown. Interface screen IM12 shown in Figure 24, which is displayed when button B1 is operated, will be described later. Interface screen IM5 is an example of an interface screen that includes a calendar for setting the aforementioned setting date according to the user's operation.

[0093] On interface screen IM4, for example, settings are configured to send 30,000 yen to AAA, 20,000 yen to BBB, and 10,000 yen to XX Bank on a specified day. If the salary wallet balance is insufficient, the payment server 100 will send the funds to the highest priority recipient. For example, AAA, BBB, and XX Bank have the highest priority in that order. If the salary wallet balance is insufficient, the balance in the regular wallet may be used.

[0094] Interface screen IM4 is an example of "an interface screen that includes a setting button (button B2) for setting up automatic transfer of electronic money deposited into the salary wallet to a pre-configured recipient, such as another user or a third bank account."

[0095] The payment server 100 changes the priority of transactions and the amount to be sent in response to a user's specified operation. Furthermore, when a user changes the payment date (scheduled payment date), the payment server 100 displays the interface screen IM5 on its display unit. The interface screen IM5 includes, for example, a calendar for specifying the payment date. The payment server 100 sets the payment date specified by the user in the calendar and makes the payment on the set date. Note that the payment date may be set for each recipient. For example, the payment date to AAA and the payment date to BBB may be set to different days.

[0096] [Interface screen (4)] For example, when a user performs an operation to determine the recipient of a remittance (standing instruction), the settlement server 100 displays the interface screen shown in Figure 22 on the display unit. Interface screen IM6 is a list of recipients. After the user has determined the recipient, the settlement server 100 accepts input of the remittance amount on interface screen IM7, which is displayed on the display unit. Furthermore, the settlement server 100 displays a calendar interface screen IM8 on the display unit to accept the setting of the remittance date. Once the remittance date is set in the calendar, the settlement server 100 sets a standing instruction and executes the set standing instruction at the set timing.

[0097] [Interface screen (5)] The payment server 100 displays an interface screen related to salary receipt on the display unit of the user terminal device 10. Figure 23 shows the interface screen IM11. The interface screen IM11 is displayed, for example, when a transfer is made to the recipient via standing instruction. The interface screen IM11 includes information such as the amount transferred and the type of electronic money (wallet type) used for the transfer.

[0098] For example, users can automatically send electronic money to a designated recipient on the day of the transfer via standing instructions. Furthermore, users can send electronic money from wallets with pre-set priority levels.

[0099] [Interface screen (6)] The interface screen for monthly breakdowns may be the following screen. Figure 24 shows interface screen IM12 which shows monthly breakdowns. Interface screen IM12 includes information such as the amount of electronic money of salary received by the user in the target month, the amount of electronic money of salary received in the past, and details of standing instructions performed. Interface screen IM12 is an example of an interface screen that "includes the amount of salary received and the amount of salary received prior to the said payment."

[0100] Users can check the amount charged to their salary wallet and the details of standing instructions by referring to the interface screen IM12.

[0101] [Interface screen (7)] When an electronic payment is executed, the payment server 100 displays information on the type of wallet used and the amount disbursed from that wallet on the display unit. Figure 25 shows the interface screen of the payment completion screen. The interface screen IM13 includes information such as the payment amount of the electronic payment, the type of wallet used for the electronic payment, the amount used, and the payment method. When an electronic payment is executed, the user can easily recognize the type of wallet used and the amount disbursed from the wallet.

[0102] According to the embodiments described above, the payment server 100 can improve user convenience by providing users with services related to salary receipt.

[0103] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the present invention. [Explanation of Symbols]

[0104] 10. User terminal device 20 Payment Apps 80 Payment source server 100 Payment Servers 120 Content Provision Department 130 Payment Processing Unit 140 Information Management Department 150 Payroll Processing Unit 178 Intermediate Wallet Information 182 Remittance Information 200 First Bank Server 300 Second Bank Server 400 Service Server

Claims

[Claim 1] An information processing device for an electronic payment service that is linked to the bank server of the bank to which salaries are deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information in the electronic payment service on a date specified by the payer, the bank server receives notification of deposit information regarding the user's identification information and the deposit amount. In response to the aforementioned notification, part or all of the deposited salary will be deposited into the salary wallet of the user's identification information managed by the electronic payment service. Information processing device.

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