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

Abstract

To improve the convenience of service users. [Solution] An information processing device comprising: a receiving unit that receives remittance information in advance from the user's user terminal device; and a processing unit that, when the remittance timing included in the remittance information arrives, refers to the balance of electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and sends part or all of the balance of electronic money in the wallet to a pre-set bank account based on the condition information regarding the remittance conditions included in the remittance information, wherein the processing unit sends part or all of the balance of electronic money in the wallet to each of a plurality of target accounts based on the condition information corresponding to each.

Description

Technical Field

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

Background Art

[0002] Conventionally, a technique for linking the account of a user of an electronic payment service with the user's bank account has been known (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, the convenience of service users may be low. For example, sufficient consideration has not always been given to utilizing the electronic money managed by an electronic payment service in cooperation with other services.

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

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device comprising: a receiving unit that receives remittance information in advance from a user's user terminal device; and a processing unit that, when the remittance timing included in the remittance information arrives, refers to the balance of electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and remits part or all of the balance of electronic money in the wallet to a pre-set bank account based on condition information regarding the remittance conditions included in the remittance information, wherein the processing unit remits part or all of the balance of electronic money in the wallet to each of a plurality of target accounts based on the condition information corresponding to each. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing system, an information processing method, and a program that can improve the convenience of service users. [Brief explanation of the drawing]

[0008] [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 diagram showing the configuration of payment server 100. [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 illustrating the overview of the process. [Figure 8] This figure shows an example of remittance information 178. [Figure 9] This flowchart shows an example of the processing flow performed by the payment server 100 and the bank server 200. [Figure 10]This figure shows an example of an interface screen displayed on the display unit of the user terminal device 10. [Figure 11] This is a diagram illustrating the overview of another method (1). [Figure 12] This is a diagram to explain how to create a purpose account. [Figure 13] This flowchart shows another example of the processing flow performed by the payment server 100 and the bank server 200. [Figure 14] This is a diagram illustrating the overview of another method (2). [Figure 15] This flowchart shows another example of the processing flow performed by the payment server 100 and the bank server 200. [Modes for carrying out the invention]

[0009] The following describes embodiments of the information processing device, information processing system, information processing method, and program of the present invention with reference to the drawings. Various devices such as "servers" that appear 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 electronic payment services. 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 the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, stores are treated as belonging to, for example, affiliated merchants (brands), and processing such as payment when a purchase is made at a store is mainly carried out between the user and the affiliated merchant. Alternatively, payment and other processing may be conducted between the user and the store.

[0010] [Electronic payment service] Figure 1 shows an example of the configuration of an electronic payment system that implements electronic payment services. 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 payment server 100, and a bank server 200. 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.

[0011] Some or all of the functional components included in the electronic payment system may be distributed among a plurality of devices in any form or integrated into any device. For example, some or all of the functional components of the payment server 100 may be included in other devices.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc. In the user terminal device 10, a mini application may operate. The mini application is an application program that operates within the payment application 20. The mini application is, for example, a mini application that provides various services related to benefits. The mini application, for example, transmits or receives benefits or displays a list of transmitted or received benefits.

[0013] [First store terminal device] The first store terminal device 50 is installed in a store, for example. 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 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the 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 a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0014] [Second Store Terminal Device] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons, etc. by the operator of the franchise store and transmits them to the settlement server 100. The second store terminal device 70 which is a smartphone has a function of displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for franchise stores.

[0015] [Settlement Server] The settlement server 100 realizes electronic settlement based on the settlement 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 franchise store server. In that case, the settlement information is transmitted from the POS device to the settlement server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that the settlement information is transmitted from the first store terminal device 50.

[0016] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic settlement. There may be two patterns, pattern 1 and pattern 2, in electronic settlement.

[0017] 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.

[0018] 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).

[0019] 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.

[0020] [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, an information 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 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. The program may be stored in advance on a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into the drive device. The information management unit 140 is an example of a "reception unit". The information processing unit 150 is an example of a "processing unit".

[0021] 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 that can be accessed 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, and remittance information 178 (details will be described later).

[0022] 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.

[0023] 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 or the second store terminal device 70. 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 with the content 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.

[0024] 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.

[0025] [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 is associated with information such as user URL, account ID, phone number, password, email address, user ID, name, address, date of birth, registration date, charge balance (wallet electronic money balance), credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, and information about reserved electronic money (such as the amount of reserved electronic money), which will be described in detail later. 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 required. 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 and 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.

[0026] 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 by credit card, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for 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.).

[0027] [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.

[0028] [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.

[0029] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment". 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 credit card company operator 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 application 20.

[0030] The Information Management Unit 140 acquires information provided by other server devices and terminal 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.

[0031] The information processing unit 150 processes information provided by other server devices and terminal devices, and provides information stored in the storage unit 170 to the user terminal device 10.

[0032] The bank server 200 works in conjunction with the settlement server 100 to perform various processes. These processes include, for example, transferring part or all of the electronic money in the electronic payment service wallet to a bank account in response to a request from the settlement server 100. For example, the bank server 200 deposits the amount of the transfer instruction into the bank account based on the transfer instruction and bank account identification information provided by the settlement server 100, and then deposits the amount deposited into the bank account into the target account based on the target account identification information provided by the settlement server 100.

[0033] [overview] In this embodiment, the payment server 100 improves user convenience by automatically transferring any unintentionally accumulated charge balances to a predetermined recipient, thereby helping to effectively utilize the charge balance.

[0034] Figure 7 is a diagram illustrating the overview of the process. When electronic money that is not intended for use is charged to the wallet of an electronic payment service, the electronic money is held in reserve by the electronic payment service at the set transfer timing. Reserved means that it is in a state where it is being processed and is not being used for other transactions (the user cannot use it). The payment server 100 sends an amount equivalent to the reserved electronic money to the recipient, which is another service such as a bank account.

[0035] For example, the payment server 100 receives remittance information 178 from the user terminal device 10 in advance. When the remittance timing specified in the remittance information 178 arrives, the payment server 100 refers to the user's charge balance managed by the electronic payment service at the time of the remittance, and based on the condition information regarding the remittance conditions specified in the remittance information 178, it sends part or all of the charge balance of the electronic payment service wallet to a pre-configured bank account.

[0036] Figure 8 shows an example of remittance information 178. Remittance information 178 is information generated based on information entered by the user by operating the payment application 20. The payment server 100 obtains the above information from the payment application 20 and generates the remittance information 178. The content of remittance information 178 can be changed by the user as appropriate via the payment application 20. In addition, the user can open a bank account for the recipient using the payment application 20 or a mini-application of the bank included in the payment application 20.

[0037] The remittance information 178 in Figure 8 is the remittance information of a particular user. Remittance information 178 is information that associates, for example, the recipient's information, the remittance date (reference date), and the remittance conditions. The recipient's information is the recipient to whom the electronic money will be sent. The recipient is, for example, a bank account. The recipient may be another recipient (a recipient other than a bank account) instead of (or in addition to) a bank account. In this case, the settlement server 100 processes the transaction in cooperation with the recipient's service server instead of the bank server 200. The remittance date (reference date) is the day or time on which the remittance is made. The remittance date can be any day, such as the same day of the week or the last day of the month.

[0038] The transfer conditions are the criteria that determine the amount to be transferred when transferring the balance of electronic money in your wallet. Examples of transfer conditions include transferring the entire balance, transferring a predetermined amount (such as a maximum of 5,000 yen), transferring a predetermined percentage of the balance (such as 80%), or transferring the remaining balance while leaving a predetermined amount in the charge balance.

[0039] The payment server 100 receives transfer conditions (condition information), which are a specified amount, a maximum amount, or the balance to be kept in the wallet, from the user terminal device 10, and performs the transfer based on the transfer conditions. If the transfer condition is the balance to be kept in the wallet, the payment server 100 keeps the balance to be kept in the wallet from the balance at the time of the transfer, and sends the rest to the bank account. This allows users to effectively utilize their charge balance by automatically sending any unintentionally accumulated charge balance to their bank.

[0040] [flowchart] Figure 9 is a flowchart illustrating an example of the processing flow performed by the payment server 100 and the bank server 200. First, the payment server 100 receives remittance information 178 in response to an operation of the payment application 20 (S100). Next, the payment server 100 determines whether or not the remittance timing is as defined in the remittance information 178 (S102). The remittance timing is, for example, a specific time on a reference date.

[0041] If it is time to send money, the settlement server 100 checks the charge balance (S104). Based on the remittance information 178, the settlement server 100 identifies the amount of electronic money to be reserved and reserves the identified electronic money (S106).

[0042] The settlement server 100 sends a transfer instruction (S108), which is an instruction to send electronic money to the recipient of the remittance information 178. The transfer instruction is sent, for example, to the bank server 200 or the network that is linked to the bank server 200. The transfer instruction includes, for example, information on the amount to be transferred (reserved amount) and the account number.

[0043] The bank server 200 executes the deposit processing in response to the transfer instruction (S200). The bank server 200 deposits the electronic money into the user's bank account. The remitter in this case is the electronic payment service. If the payment app 20 includes a mini-app for a banking service linked with the bank, the bank server 200 may coordinate with the mini-app to display on the user terminal device that a transfer has been made to the mini-app.

[0044] The bank server 200 sends a message response to the settlement server 100 (S202). If there is a transfer error, the settlement server 100 is notified of the error. If the transfer is successful, the message response may be omitted. The settlement server 100 settles the reserved electronic money (S110). Settlement means subtracting the reserved electronic money to finalize the transaction. For example, if the settlement server 100 determines that the transfer was successful, such as when no error notification is received for a predetermined period, it executes the process in S110. If there is a transfer error, the reserved electronic money is returned to the user's charge balance. This completes the processing of one routine in this flowchart.

[0045] In addition, if the charge balance is zero in S104, the settlement server 100 may notify the user terminal device 10 that the transfer cannot be processed without executing the subsequent processing. If the transfer amount is insufficient in the charge balance, the settlement server 100 may notify the user that the transfer cannot be processed as described above, or it may execute a process to transfer an amount other than the insufficient transfer amount.

[0046] As described above, the payment server 100 can support the effective use of electronic money by automatically sending electronic money balances that are unintentionally left stagnant to the recipient. For example, electronic money deposited via auto-charge or sent via electronic money may be unintentionally held and left stagnant. For instance, if a user uses an electronic service but makes an electronic payment using the credit payment function of the payment app 20 without using their charge balance, the stagnant charge balance may occur unintentionally. There are times when it is desirable to transfer such unused electronic money to the recipient. However, it is cumbersome for the user to perform the transfer operation themselves.

[0047] In this embodiment, as described above, electronic money that has been unintentionally left unused can be automatically sent to a recipient without user intervention. For example, electronic money can be transferred to a bank account at a partner bank. This allows users to accumulate and manage funds in their bank account. As a result, user convenience is improved.

[0048] [Interface screen] As described above, the settlement server 100 sends an instruction to the bank to transfer part or all of the charge balance to a pre-configured bank account, and then reserves part or all of the charge balance, making it unavailable for use in the electronic payment service. If the transfer is successful, the settlement server 100 releases the reservation status of part or all of the reserved charge balance and settles the transaction.

[0049] If the electronic money is in a reserved state, the settlement server 100 causes the user terminal device 10 to display information indicating that the electronic money is in a reserved state and cannot be used with the electronic payment service. Figure 10 shows an example of an interface screen displayed on the user terminal device 10. When the electronic money is in a reserved state, interface screen IM1 is displayed on the display. Interface screen IM1 includes, for example, information that the electronic money is in a reserved state (transfer processing in progress) and the amount of the reserved electronic money. When the reserved state is released, interface screen IM2 is displayed on the display. Interface screen IM2 includes, for example, information indicating that the amount has been transferred and that the transfer has been completed.

[0050] As described above, the payment server 100 displays an interface screen on its display unit so that users can check the status of the electronic money, whether it is in a held state (the transfer is being executed) or in a state where the held electronic money has been settled (the transfer is complete). This allows users to recognize the status of electronic money that has not yet been sent to the recipient and is being held from the charge balance, as well as the status of completed transfers. As a result, user convenience is improved.

[0051] [Other methods] In the above explanation, the recipient is described as a bank account as an example, but instead (and in addition), the recipient may be a purpose account linked to a bank account, as described later in [Other Methods (1)] and [Other Methods (2)]. The remittance information 178 may also include information on purpose-specific account linked to a bank account. The settlement server 100 may send part or all of the wallet's charge balance to the purpose-specific account.

[0052] [Other methods (1)] The payment server 100 sends instruction information, including the identification information of the bank account and the identification information of the target account, to the bank of the bank account, and transfers part or all of the wallet's balance to the target account. The target account is a purpose-specific (use-specific) account linked to the bank account. For example, it is an account where funds are managed according to their intended use, such as for food expenses, savings, travel, or entertainment.

[0053] Figure 11 is a diagram illustrating the outline of another method (1). The settlement server 100 sends a transfer instruction containing the identification information of the target account to the bank server 200. The bank server 200 sends electronic money to the target account according to the identification information of the target account.

[0054] Users can create a target account by operating the payment application 20. Figure 12 is a diagram illustrating the creation of a target account. The user operates the payment application 20 (or the bank's mini-application) and makes various inputs on a predetermined interface screen to create a target account. The payment application 20 communicates with the bank server 200 via the payment server 100 or with the bank server 200 to send information corresponding to the various inputs to the bank server 200. The information corresponding to the various inputs includes information such as the request to create a target account and the purpose of the target account. The bank server 200 generates the target account and provides the identification information of the target account to the payment application 20 via the payment server 100 or by communicating with the payment application 20. This generates the target account at the bank. The identification information of the target account is identification information linked to the identification information of the bank account itself. For example, multiple target accounts may be generated for a bank account. In this case, the identification information of each of the multiple target accounts is linked to the identification information of the bank account itself in the remittance information 178. Furthermore, a label indicating the purpose of the account (for example, savings or travel) may be attached to the identification information of the target account in the remittance information 178, and this label information may be displayed on the display unit.

[0055] As described above, users can easily create target accounts using the payment app 20. Users can also set up transfer information 178 for multiple target accounts using the payment app 20. For example, they can set transfer conditions such as sending 5,000 yen to target account A and 3,000 yen to target account B, as well as transfer timing.

[0056] In the example above, it was explained that the user creates a target account on a predetermined interface screen by operating the payment app 20 (or the bank's mini-app). Alternatively, the user may create a target account using a service provided by the bank. Such services include, for example, the bank's app or web service. In this case, the user operates the payment app 20 and directly inputs the information of the created target account as the recipient. Alternatively, the bank's service and the electronic payment service (payment server 100 or payment app 20) cooperate, and the bank's service retrieves the user's target account information. The specified account information, which is the recipient, is then presented to the user via the payment app 20. Thus, even if, for example, the bank and the payment service are not the same company or group company, the user can easily create a bank account and send money to the bank account or a specific-purpose account.

[0057] [flowchart] Figure 13 is a flowchart showing another example of the processing flow performed by the settlement server 100 and the bank server 200. The processing from S100 to S106 is the same as the processing with similar step numbers in Figure 9. After processing S106, the settlement server 100 sends a transfer instruction containing the identification information of the target account to the recipient of the remittance information 178 (S109). The transfer instruction includes, for example, the account number (identification information) of the bank account itself.

[0058] The bank server 200 executes the deposit processing in response to the transfer instruction (S200). The bank server 200 transfers the electronic money to the user's bank account and deposits the electronic money transferred to the bank account into the target account based on the identification information of the target account mentioned above. The bank server 200 sends a message response to the settlement server 100 (S202). The settlement server 100 settles the reserved electronic money (S110). This completes the processing of one routine in this flowchart.

[0059] As described above, the payment server 100 can easily and automatically transfer funds to the target account, thus improving user convenience.

[0060] Furthermore, if the remittance information 178 includes information on multiple purpose-specific accounts linked to the bank account, and remittance conditions for each purpose-specific account, the settlement server 100 can send part or all of the charge balance of the electronic payment service wallet to each of the multiple purpose-specific accounts based on the corresponding condition information. In this way, since the remittance is made to each of the multiple purpose-specific accounts of the bank account in a single transaction, user convenience is improved. For example, if there are fees for the remittance process, it becomes possible to send remittances with reduced fees.

[0061] The bank server 200 in the above method has the following functional configuration. The bank server 200 obtains the user's bank account identification information, the target account identification information linked to the bank account, and a remittance instruction from the settlement server 100. Based on the remittance instruction, the bank server 200 transfers the amount of the remittance instruction to the bank account identified in the bank account identification information, and then transfers the amount from the bank account to the target account identified in the target account identification information. In this way, the bank server 200 can improve user convenience by making deposits into the target account using the identification information of each account obtained from the settlement server 100.

[0062] [Other methods (2)] In method (1) described above, it is assumed that the identification information of the target account is included in the transfer instruction. In method (2), the transfer instruction to the bank account and the deposit instruction to the target account are sent separately (at different times) to the bank server 200. The settlement server 100 sends the identification information of the bank account to the bank of the bank account and sends part or all of the wallet charge balance to the pre-configured bank account. Subsequently, the settlement server 100 sends the identification information of the target account to the bank of the bank account and sends a deposit corresponding to the wallet charge balance sent to the bank account to the pre-configured target account.

[0063] Figure 14 is a diagram illustrating the overview of the other method (2). The settlement server 100 sends a transfer instruction to the bank server 200. The bank server 200 processes the transfer instruction and deposits the electronic money into the bank account. A bank transfer message response is sent to the settlement server 100. The settlement server 100 requests the bank server 200 to perform a transfer process to transfer funds from the bank account to the target account. At this time, the settlement server 100 sends the identification information of the user's bank account (or the bank identification information of the user's bank account) and the identification information of the target account to the bank server 200. The bank server 200, in response to the request, performs an in-account transfer process to send funds from the bank account to the target account according to the identification information of the target account. For example, by using the other method (2), it becomes possible to send funds to a target account even at banks that do not perform transfers to target accounts from external sources, as in the other method (1).

[0064] [flowchart] Figure 15 is a flowchart showing another example of the processing flow performed by the settlement server 100 and the bank server 200. The processing from S100 to S106 is the same as the processing with the same step numbers in Figures 9 and 13. After processing S106, the settlement server 100 sends a transfer instruction to the bank server 200, which is the recipient of the remittance information 178 (S108). The bank server 200 performs the receiving process in response to the transfer instruction (S200). The bank server 200 deposits the electronic money into the user's bank account. The bank server 200 sends a message response to the settlement server 100 (S202).

[0065] Next, the settlement server 100 sends the identification information of the destination account of the remittance information 178 to the bank server 200 (S109#). The bank server 200 performs an inter-account transfer process to transfer funds from the bank account to the destination account according to the identification information of the destination account (S204). The bank server 200 sends a message response to the settlement server 100 (S206). An electronic response may also be sent to the settlement server 100 if the inter-account transfer process fails. The settlement server 100 settles the reserved electronic money (S110). This completes the processing of one routine in this flowchart.

[0066] In the above process, there are three states: (A) the transfer is in progress; (B) the transfer to the bank account is complete and the transfer to the target account is in progress (transfer not yet completed); and (C) the transfer has been completed (processing complete). The settlement server 100 may display information corresponding to the processing status on the display unit of the user terminal device 10, and if the processing status changes, it may also display information corresponding to the change on the display unit.

[0067] In the above process, when the payment server 100 issues a transfer instruction to the bank server 200, it cooperates with the payment application 20 to display (A) information on the status of the transfer in progress on the display unit. When the payment server 100 sends electronic money to the user's bank account, it cooperates with the payment application 20 to display (B) information on the status of the transfer to the bank account itself being completed and the transfer to the target account being in progress (transfer not yet completed) on the display unit. When the transfer process within the account is completed, the payment server 100 displays (C) information on the status of the transfer being completed on the display unit.

[0068] In this way, information corresponding to the status of remittances and transfers is provided to the user, allowing them to easily understand the status of their assets. For example, when electronic money deducted from the charge balance has not yet been added to the target account, the user is provided with the above-mentioned information, improving user convenience.

[0069] Furthermore, in each of the above methods, the amount deducted from the charge balance and the balance of the bank account or target account to which the transfer was added may be displayed side by side on the display unit. For example, the transferred amount "30,000 yen" may be displayed near the area showing the charge balance, and the amount "30,000 yen" added to the target account may be displayed side by side with this display. This allows the user to easily recognize that a predetermined amount of the charge balance has been transferred and added to the target account.

[0070] As described above, the payment server 100 can easily and automatically transfer funds to the target account, thus improving user convenience.

[0071] The bank server 200 in the above method has the following functional configuration. The bank server 200 obtains the identification information of the user's bank account and a transfer instruction to the bank account from the settlement server 100, and based on the transfer instruction, makes a transfer to the bank account of the bank account identification information in accordance with the transfer instruction. Subsequently, the bank server 200 obtains the identification information of the target account linked to the user's bank account and a transfer instruction to the target account from the settlement server 100, and based on the transfer instruction, transfers the deposit made to the bank account to the target account of the target account identification information. In this way, the bank server 200 can improve user convenience by making deposits into the target account using the identification information of each account obtained from the settlement server 100.

[0072] In the above process, the type of electronic money used in the electronic payment service was not considered, but the type of electronic money may be considered when processing the remittance. The payment server 100 receives one or both of the first electronic money and the second electronic money from the user terminal device 10 (or payment application 20) as the electronic money to be remitted. Based on the received results, the payment server 100 determines which electronic money to remit. For example, if the user sets the first electronic money from their charge balance as the remittance target and the second electronic money as not to be remitted, the first electronic money will be sent to the bank account, and the second electronic money will not be sent.

[0073] For example, the first electronic money is electronic money charged to the balance as salary, and the second electronic money is electronic money other than salary. The first electronic money and the second electronic money cannot be transferred to each other. If a user receives their salary as the first electronic money, they can set the first electronic money as the recipient of the transfer. In this case, by setting the transfer timing to immediately after payday, part or all of the electronic money that is their salary will be automatically transferred to their bank account. This allows users to manage their salary more effectively.

[0074] According to the other embodiments described above, the payment server 100 can improve the convenience of the service user by receiving remittance information in advance from the user terminal device 10, and when the remittance timing included in the remittance information arrives, it can refer to the balance (charge balance) of the electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and remitting part or all of the electronic money balance in the wallet to a pre-set bank account based on the condition information regarding the remittance conditions included in the remittance information.

[0075] 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]

[0076] 10. User terminal device 20 Payment Apps 100 Payment Servers 120 Content Provision Department 130 Payment Processing Unit 140 Information Management Department 150 Information Processing Unit 200 bank servers

Claims

1. A reception unit that receives remittance information in advance from the user's terminal device, When the remittance timing included in the aforementioned remittance information arrives, the balance of electronic money in the user's wallet managed by the electronic payment service at the aforementioned remittance timing is referenced. The system includes a processing unit that, based on conditional information regarding the remittance conditions included in the remittance information, remits part or all of the electronic money balance of the wallet to a pre-configured bank account. The processing unit transfers part or all of the balance of the electronic money in the wallet to each of the multiple target accounts based on the corresponding condition information. Information processing device.

2. The reception unit receives the condition information, which is the specified amount, the upper limit, or the balance to be left in the wallet, from the user terminal device. The processing unit performs the transfer based on the condition information. The information processing apparatus according to claim 1.

3. If the aforementioned condition information is the balance you want to keep in the wallet, The processing unit, at the time of the transfer, leaves the balance to be kept in the wallet and transfers the remainder to the bank account. The information processing apparatus according to claim 2.

4. The aforementioned remittance information includes information on multiple purpose-specific accounts linked to the aforementioned bank account, and the remittance conditions for each purpose-specific account. The information processing apparatus according to claim 1.

5. The aforementioned remittance information includes information on multiple purpose-specific accounts linked to the aforementioned bank account, The processing unit transmits instruction information, including the identification information of the bank account and the identification information of the target account, to the bank of the bank account, and transfers part or all of the balance of the electronic money in the wallet to the target account. The information processing apparatus according to claim 1.

6. The aforementioned remittance information includes information on multiple purpose-specific accounts linked to the aforementioned bank account, The aforementioned processing unit, The identification information of the aforementioned bank account is transmitted to the bank of the aforementioned bank account, and part or all of the balance of the electronic money in the wallet is transferred to the pre-configured bank account, and thereafter The identification information of the target account is transmitted to the bank of the bank account, and a deposit corresponding to part or all of the balance of the electronic money in the wallet that has been sent to the bank account is transferred to the pre-configured target account. The information processing apparatus according to claim 1.

7. The aforementioned processing unit, After sending an instruction to the bank of the aforementioned bank account to transfer part or all of the electronic money balance of the aforementioned wallet to the aforementioned bank account, To reserve a portion or all of the electronic money balance in the aforementioned wallet, making it unavailable for use with the aforementioned electronic payment service. If the aforementioned transfer is successful, the reserved state of part or all of the reserved electronic money balance will be released and settled. The information processing apparatus according to claim 1.

8. The aforementioned processing unit, If the aforementioned reservation state is in effect, the user terminal device's display unit will display information indicating that the electronic money is in a reserved state and cannot be used with the electronic payment service. The information processing apparatus according to claim 7.

9. The aforementioned electronic money includes a first electronic money which is a salary and a second electronic money which is different from a salary. The reception unit receives from the user terminal device one or both of the first electronic money and the second electronic money as the electronic money to be sent, The processing unit determines the electronic money to be sent based on the result of the reception unit's reception. The information processing apparatus according to claim 1.

10. An information processing device according to any one of claims 4 to 6, A bank server that deposits the amount of the remittance instruction into the bank account based on the remittance instruction and the identification information of the bank account provided by the information processing device, and deposits the amount deposited into the bank account into the target account based on the identification information of the target account provided by the information processing device, An information processing system equipped with the following features.

11. Computers The user's terminal device will receive remittance information in advance. When the remittance timing included in the aforementioned remittance information arrives, the balance of electronic money in the user's wallet managed by the electronic payment service at the aforementioned remittance timing is referenced. Based on the condition information regarding the remittance conditions included in the aforementioned remittance information, a portion or all of the electronic money balance in the wallet is transferred to a pre-configured bank account. To each of the multiple target accounts, based on the corresponding condition information, transfer part or all of the electronic money balance of the wallet. Information processing methods.

12. On the computer, A process for receiving remittance information in advance from the user's terminal device, When the remittance timing included in the aforementioned remittance information arrives, the process involves referencing the balance of the electronic money in the user's wallet managed by the electronic payment service at the aforementioned remittance timing. Based on the condition information regarding the remittance conditions included in the aforementioned remittance information, the process involves transferring part or all of the electronic money balance of the wallet to a pre-configured bank account. A process to transfer part or all of the electronic money balance of the wallet to each of the multiple target accounts, based on the corresponding condition information, A program that executes the command.

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