Information processing device, information processing method, and program

Abstract

To improve convenience for users. [Solution] When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of an electronic payment service, an information processing device deposits electronic money corresponding to the salary into a salary wallet of the user's identification information managed by the electronic payment service, and transfers the electronic money of the salary from the salary wallet to a remittance destination set on a predetermined set date.

Description

[Technical field]

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

[0002] In recent years, the so-called "digital salary" (digital salary payment) has been institutionalized in electronic payment services provided by money transfer companies, in which wages (salaries) are paid in the form of electronic money by transferring salary-derived funds between a company account and an employee's account as electronic money. In response to this, various studies are being conducted on methods of providing digital salary services (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7330412 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventionally, user convenience has not been sufficiently considered, and as a result, user convenience has sometimes been poor.

[0005] The present invention has been made in consideration of the above circumstances, and an object of the present invention is to provide an information processing device, an information processing method, and a program that can improve convenience for users. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device for an electronic payment service that works in conjunction with a bank server of a bank where a user's salary is deposited, and when the bank server deposits a user's salary into a virtual account of the user linked to the user's identification information of the electronic payment service on a day specified by the source of the salary, the information processing device obtains 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 a 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 some or all of the electronic money in the intermediate wallet into a 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 a virtual account of the user at a first bank linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into a salary wallet of the user's identification information managed by the electronic payment service, and transfers the electronic money of the salary in the salary wallet to a remittance destination set on a predetermined set date.

[0009] 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 at a first bank linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into a salary wallet of the user's identification information managed by an electronic payment service, and, in response to the deposit, displays an interface screen of the electronic payment service on a display unit of a user terminal device, the interface screen including information about the salary deposited into the salary wallet. Effect 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 description of the drawings]

[0011] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100 according to the embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 13 is a diagram for explaining processing related to payroll. [Figure 8] FIG. 13 is a diagram for explaining the process of remittance from the payment source server 80 to the first bank server 200. [Figure 9] FIG. 13 is a diagram showing an example of the contents of account information 92. [Figure 10] A figure showing an example of intermediate wallet information 178. [Figure 11] FIG. 13 is a diagram showing an example of the contents of wallet information 180. [Figure 12] FIG. 1 is a diagram for explaining a process (1) regarding depositing money into a wallet, etc., executed by the settlement server 100. [Figure 13] FIG. 13 is a diagram for explaining a process (2) regarding depositing money into a wallet, etc., executed by the settlement server 100. [Figure 14] FIG. 11 is a sequence diagram showing an example of a flow of processes executed by an electronic payment service. [Figure 15] FIG. 1 is a diagram for explaining an outline of a remittance process. [Figure 16]FIG. 13 is a diagram showing an example of the contents of remittance information 182. [Figure 17] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 18] FIG. 2 is a diagram showing an interface screen IM1. [Figure 19] FIG. 13 is a diagram showing an interface screen IM2. [Figure 20] FIG. 13 is a diagram showing an interface screen IM3. [Figure 21] FIG. 13 shows interface screens IM4 and IM5. [Figure 22] FIG. 13 is a diagram showing an interface screen IM6. [Diagram 23] FIG. 11 is a diagram showing an interface screen IM11. [Figure 24] FIG. 12 shows an interface screen IM12 showing a monthly breakdown. [Diagram 25] 13 is an interface screen for a payment completion screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, with reference to the drawings, an embodiment of an information processing device, an information processing method, and a program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "server" that will be described below, may be realized by a group of distributed devices, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the provider of the cloud server) and the business that actually operates the device 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 is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen may be controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0013] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes 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 source server 80, the 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 via a network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. Some or all of the functional configurations included in the electronic payment system may be distributed to 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 realized, 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 realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by a combination 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 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 acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU, and the like. In the user terminal device 10, a processor such as a CPU executes a payment application 20, and the device operates to provide an electronic payment service to a user in cooperation with a 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, and the like. In the user terminal device 10, a mini application 30 that operates within the payment application 20 is available. The mini application 30 cooperates with, for example, a corresponding service server 400 to provide a service to a user.

[0016] [First store terminal device] 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 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. The store code image 60 may 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, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store 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 and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0018] [Payment Server] The payer server 80 is a server device that pays the user's salary. The payer server 80 cooperates with the first bank server 200 on payday to transfer the salary to a specified account.

[0019] [Payment server] The payment server 100 realizes 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 an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0020] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0021] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits 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 transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0022] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0023] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0024] [Payment server functional configuration] FIG. 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provider unit 120, a payment processor 130, an information manager unit 140, a payroll processor unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, 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 an LSI, ASIC, FPGA, GPU, or SOC, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or a flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or a CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

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

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

[0027] The content providing unit 120 has, for example, a function 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 providing unit 120 reads out 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 by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information required for generating the content.

[0028] The payment processing unit 130 performs payment processing based on the 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] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as an email address, a user ID, a name, an address, a date of registration, wallet information 180 (charge balance of each wallet), credit payment settings, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, and payment history information, which are associated with the information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, the name, the address, and the date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0030] The wallets in the above wallet information 180 include a regular wallet and a salary wallet. A salary wallet is a wallet into which electronic money as a salary is deposited, and a regular wallet is a wallet into which electronic money of a source other than a salary is deposited.

[0031] The charge balance is information indicating the balance of electronic money set by a user by transferring money to an account in advance. Means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated business (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment using the payment application 20 has been completed, and is set to either "completed" or "not completed". The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment already used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of the credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

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

[0033] The information management unit 140 acquires information provided by other server devices. The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0034] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user 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 managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0035] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "credit payment (credit payment using code information)" as follows. Credit payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit payment limit. In order to receive the credit payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit payment amount and subtracting the same amount from the available credit payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available credit payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0036] [Payroll Service] The payroll processing unit 150 executes various processes related to salary. For example, the payroll processing unit 150 transfers salary to a salary wallet, which will be described later, or to a specified bank account. The 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. The first bank server 200 transfers the salary to the virtual account of the user based on the instruction of the payment source server 80. Specifically, the first bank server 200 deposits the salary into the bank account of the electronic payment service, and deposits the salary into the virtual account of the user linked to the bank account.

[0038] [Second bank server] The second bank server 300 is a server device of the second bank. The second bank server 300 transfers a salary or the like to a bank account of the user at the second bank based on an instruction from the payment server 100.

[0039] [Service Server] The service server 400 provides services to users in cooperation with the payment application 20, the mini application 30, or the payment server 100. The services include various services such as a securities service, a banking service, an insurance service, and a shopping service.

[0040] [Overview of salary receipt processing] FIG. 7 is a diagram for explaining the process related to salary. (1) On the user's payday, the payor server 80 cooperates with the first bank server 200 to transfer the user's salary to the user's virtual account (details will be described later). (2) The first bank server 200 notifies the payment server 100 of the salary deposit. (3) In response to the notification, the payment server 100 charges the salary to the user's salary wallet. (4) If the salary exceeds the upper limit that can be charged to the salary wallet, the payment server 100 cooperates with the second bank server 300 to transfer (automatically transfer) the amount exceeding the upper limit to the user's bank account at the second bank. (5) The payment server 100 cooperates with the service server 400 to provide services to users in response to user operations on the payment app 20 and mini app 30. For example, the payment server 100 provides various services to users by using electronic money deposited in a salary wallet.

[0041] [Outline of the process for remittance from the payment source server to the first bank server] 8 is a diagram for explaining the process of remittance from the payment source server 80 to the first bank server 200. The payment source server 80 includes, for example, a salary processing unit 82 and a storage device 90 in which account information 92 described below is stored. The salary processing unit 82 cooperates with the first bank server 200 to transfer salary to the user's virtual account on payday.

[0042] The first bank server 200 includes, for example, a remittance processing unit 210 and a storage device 220 that stores account information 222. The remittance processing unit 210 transfers a designated amount of salary to a virtual account designated by the payment source server 80.

[0043] Fig. 9 is a diagram showing an example of the contents of the account information 92. The account information 92 is, for example, information in which a bank account, one or more virtual accounts linked to the bank account, and user identification information for each virtual account are associated with each other. The virtual account information in the account information 92 is information provided by the user to the payment source. Note that the user identification information managed by each server may not be the same, and may be linked so as to be recognizable to each other. "The user identification information" also includes being linked to the identification information of another server.

[0044] The same information is used for the account information 222. A user can open a virtual account using the payment application 20. The details of this process will be described later.

[0045] [Payroll processing on the payment server] As described above, when a salary is remitted 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 remitted.

[0046] [Transfer from virtual account to salary wallet] The payroll processing unit 150 of the payment server 100 cooperates with 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 a day designated by the payer of the salary, the payroll processing unit 150 obtains a notification of deposit information regarding the user's identification information and the amount of the deposit from the first bank server 200. In response to the notification, the payroll processing unit 150 deposits a 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 a virtual account of the user linked to the user's identification information of the electronic payment service, the payment server 100 deposits electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service. The payment server 100 deposits a part or all of the electronic money in the intermediate wallet into a salary wallet of the user's identification information managed by the electronic payment service. For example, when the salary is deposited into the intermediate wallet, the payment server 100 may notify the user of information indicating that the salary has been deposited. The notification may be made via the payment application 20.

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

[0049] The payroll processing unit 150 executes a process for depositing another portion of the deposited 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 process for depositing means, for example, the payroll processing unit 150 instructing the second bank server 300 to deposit the above-mentioned bank account in order to deposit part or all of the salary into a designated bank account, and having the second bank server 300 deposit the above-mentioned bank account.

[0050] For example, the process is performed using the 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 in the intermediate wallet into the salary wallet, and deposits the money into a bank account of a 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 executes a process to deposit all or a portion of the remaining deposited salary into the bank account associated with the user's identification information.

[0051] The settlement server 100 temporarily charges the full amount of the salary to the intermediate wallet linked to the user's identification information by referring to the intermediate wallet information 178. Fig. 10 is a diagram showing an example of the intermediate wallet information 178. The intermediate wallet information is information in which the user's identification information is associated with the contents of the intermediate wallet.

[0052] [Wallet, transfer to bank account] The payment server 100 executes a process to deposit part or all of the salary so that the balance in the salary wallet satisfies the condition of being below a threshold, and to deposit the portion of the salary that causes the balance in the salary wallet to exceed the threshold into a bank account at the second bank.

[0053] 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, deposits it into the bank account (bank account) of the second bank associated with the user's identification information, and deposits the electronic money from the salary wallet into the pre-set bank account (bank account of the remittance information 182) of the third bank that is the remittance destination.

[0054] The settlement server 100 associates the remitted salary with the intermediate wallet, and further performs processing to associate the salary with the salary wallet by referring to the wallet information 180. Fig. 11 is a diagram showing an example of the contents of the wallet information 180. The wallet information 180 is information in which, for example, the amount of the salary wallet and the amount of the regular wallet are associated with the user's identification information.

[0055] A salary wallet is a wallet dedicated to remitted salary. A normal wallet is a wallet into which electronic money remitted as a source of funds other than salary is deposited. A salary wallet has an upper limit (e.g., 200,000 yen). A normal wallet also has an upper limit (e.g., 800,000 yen). An upper limit (e.g., 1 million) may be set for the total of the amount deposited in the salary wallet and the amount deposited in the normal wallet, and an upper limit (200,000 yen) may also be set for the salary wallet. In the following example, it will be explained assuming that the upper limit for the salary wallet is 200,000 yen and the upper limit for the normal wallet is 800,000 yen.

[0056] 12 is a diagram for explaining the process (1) regarding deposit to a wallet executed by the payment server 100. For example, the payment server 100 deposits a salary into the salary wallet. However, if the sum of the amount deposited into the salary wallet and the amount of the salary exceeds the upper limit of the salary wallet, the excess amount of the salary is transferred to the user's bank account in the second bank server 300.

[0057] FIG. 13 is a diagram for explaining the process (2) regarding deposit to the wallet executed by the payment server 100. When the salary is "300,000 yen", the amount deposited in the normal wallet is "800,000 yen", and the amount deposited in the salary wallet is "0 yen" as shown in FIG. 12, the payment server 100 deposits 200,000 yen into the salary wallet. As a result, the deposit amount in the salary wallet becomes the upper limit of 200,000 yen. The payment server 100 requests the second bank server 300 to transfer the excess amount of 100,000 yen out of the 300,000 yen salary to the second bank server 300 and deposit it into the user's bank account. The second bank server 300 deposits the 100,000 yen into the user's bank account.

[0058] For example, in the above example, if the amount deposited in the salary wallet is 100,000 yen, the payment server 100 requests the second bank server 300 to transfer the excess amount of 200,000 yen out of the salary of 300,000 yen to the second bank server 300 and deposit it into the user's bank account. The second bank server 300 deposits the 200,000 yen into the user's bank account.

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

[0060] [Insurance Coverage] The payment server 100 guarantees the salary of the salary wallet by applying insurance to the salary of the salary wallet. The payment server 100 updates the insurance target based on an update of the status of the salary wallet, and guarantees the salary of the salary wallet by applying insurance to the electronic money of the updated salary wallet. For example, insurance is updated at predetermined intervals, such as once a day. The payment server 100 guarantees the salary of the salary wallet by updating the insurance target and applying insurance to the electronic money of the updated salary wallet every time the status of the salary wallet is updated. For example, the payment server 100 applies insurance to the electronic money of the salary wallet after the deposit every time a deposit is made to the salary wallet. For example, the payment server 100 applies insurance to the remaining electronic money of the salary wallet every time the electronic money of the salary wallet is used. The insurance is insurance that guarantees the amount deposited in the salary wallet.

[0061] The settlement server 100 may, for example, send the amount of the salary wallet and information of the user of the salary wallet (information necessary for insurance application such as name and address) to an insurance server (not shown) and request that the deposited amount of the salary wallet be insured. When the settlement server 100 obtains information indicating that an insurance contract has been concluded or renewed from the insurance server, it may confirm that electronic money has been deposited into the salary wallet and that electronic money has been withdrawn from the salary wallet.

[0062] Also, the payment server 100 may collect log information of the salary wallet information for a predetermined period and provide it to the insurance server at a predetermined timing, instead of every time the contents of the salary wallet are updated. For example, an insurance company of the insurance server may guarantee the electronic money in the salary wallet 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 the insurance, which allows the user to use the salary receiving service in the electronic payment service with peace of mind.

[0064] [Sequence diagram] 14 is a sequence diagram showing an example of the flow of processing executed by the electronic settlement service. First, the payment source server 80 transfers the salary to the first bank server 200 on the payday and transfers the salary to the user's virtual account (S100). Next, the first bank server 200 notifies the settlement server 100 of information indicating that the salary has been deposited in the virtual account (S102).

[0065] Next, the payment application 20 deposits the amount of the salary deposited in 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). As described above, the amount that can be deposited is the amount of the salary wallet that is 200,000 yen or less. Next, the payment server 100 transfers the excess amount of the salary amount, which is the amount other than the deposited amount, into the user's bank account in the second bank server 300 (S108). 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 amount transferred. Furthermore, the payment server 100 notifies the first bank server 200 of the amount of electronic money transferred to the salary wallet. As a result, the first bank server 200 recognizes that part of the salary amount in the bank account of the electronic payment service has been deposited into the bank account of the second bank and the other part has been transferred to the salary wallet, and settles the transaction in the bank account of the electronic payment service (the user's virtual account).

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

[0067] [Processing related to use of payroll services] The payment server 100 remits the salary (electronic money) deposited in the salary wallet to a remittance destination preset by the user. Remittance is made to the payer of the salary or on a remittance date set by the user. The payment server 100 executes remittance processing (standing instruction) to remit electronic money of an electronic payment service to a service of a pre-specified electronic payment service or a service different from the electronic payment service at a predetermined timing.

[0068] 15 is a diagram for explaining an overview of the remittance process. The payroll processing unit 150 of the settlement server 100 remits the electronic money deposited in the salary wallet via the payment source server 80 and the first bank server 200 to the remittance destination.

[0069] FIG. 16 is a diagram showing an example of the contents of remittance information 182. The remittance destination is specified in the remittance destination information. The remittance destination information is information in which the remittance destination (or service), the remittance amount, the scheduled remittance date, and the associated destination are associated with the user's identification information. In the remittance destination information, the type of wallet to be used may be associated with the user's identification information, or the type of wallet to be used for remittance for each remittance destination may be associated. The remittance destination or the scheduled remittance date can be set by the user by operating the payment application 20 of the electronic payment service. The remittance destination may be, for example, a remittance destination managed by a service provided in the electronic payment service, or may be another affiliated service.

[0070] Examples of the remittance destination or the remittance service include the credit card company of the credit card used, the repayee of a loan, an account or a bank account of a pre-designated person such as a wife for an electronic payment service (P2P remittance), an insurance company that provides the insurance subscribed to, a securities company used (securities account for investment), a bank account (deposits) of the user, an account (charge) of the user (or a designated person), a bank account of a person other than the designated user, a voucher seller for an automatic voucher purchasing service, etc. A P2P remittance account or a bank account is an example of "a wallet of another user linked to the user in the electronic payment service."

[0071] Electronic money is automatically transferred to the above remittance destination on a specified date. For example, on a specified date, repayments to credit card companies, repayments of loans, deposits into specified accounts, payments of insurance premiums, purchases of specified securities and other financial products, savings, recharging of users' accounts, deposits into a specified person's bank account, purchases of pre-set vouchers, etc. are carried out.

[0072] The remittance destination information may be associated with a priority of the remittance destination. The user can set the priority by operating the payment application 20. The payment server 100 may refer to the priority of the remittance destination and the remittance amount for each remittance destination set by the user, and transfer the electronic money in the salary wallet to the remittance destination with a higher priority. This makes it possible to give priority to remittances to remittance destinations with a higher priority.

[0073] When the electronic money in the salary wallet is insufficient for remittance, the settlement server 100 may use the normal wallet to remit to the remittance destination. This makes it possible to remit to the remittance destination more reliably.

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

[0075] Since the remittance destination is set as described above, the following process is automatically executed. When a deposit is made into the user's virtual account, the payment server 100 deposits the amount of salary that is equal to or less than the upper limit of the salary wallet as electronic money into the salary wallet, deposits the amount of salary that exceeds the upper limit of the salary wallet into the bank account of the set bank, and deposits the electronic money in the salary wallet as cash into the specified remittance bank and on the remittance date. The payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, and deposits the salary into the bank account of the set bank and the salary wallet via the intermediate wallet. As described above, the payment server 100 can appropriately manage the salary electronic money.

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

[0077] First, the payment server 100 judges whether or not the user has operated the payment application 20 to apply for salary receipt using an electronic payment service (S200). If the above operation has been performed, the payment server 100 judges whether or not the acquired user identification information and user information 172 have undergone eKYC (electronic Know Your Customer; identity verification has been completed) (S202). The user information 172 is associated with information indicating whether or not eKYC has been completed for the user identification information. If eKYC has not been completed, the payment server 100 provides the payment application 20 with an interface screen for performing eKYC, and performs eKYC processing. eKYC is a process of performing identity verification based on images of the identification document and the person's appearance provided using a 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 equal to or less than a predetermined amount. The predetermined amount is, for example, the wallet's upper limit or a set amount, such as 1 million yen or 800,000 yen. The predetermined amount is an amount that is set so that a salary wallet can be deposited when a salary wallet is set and a salary is transferred.

[0079] If the requirements for the wallet check are not met, the settlement server 100 executes a predetermined process (S206). The predetermined process is, as described above, a process of notifying information indicating that a user can apply for salary receipt when the charge amount of the normal wallet falls below a predetermined amount or falls below the predetermined amount, or a process of transferring the charge balance of the normal wallet to a specified bank account.

[0080] If the requirements for the wallet check are satisfied, the payment server 100 generates a salary wallet (S208). Next, the payment server 100 provides various contents to the payment application 20 (S210). The various contents are, for example, contents related to a salary receiving service. For example, information indicating that a set amount of the salary is deposited into the salary wallet and the remainder is deposited into an autosweep bank account (a bank account of a second bank), or information indicating that remittance can be made from the salary wallet to a specified service on a specified date (scheduled remittance date) as described in FIG. 15. The name of the autosweep bank account must be the same as the name of the eKYC described above. The payment server 100 judges this identity. A bank account under 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, and has the user set up the biometric authentication (S212). The biometric authentication is any authentication such as fingerprint authentication or face authentication. After that, the payment server 100 provides the service if the biometric authentication is successful when the user uses the salary receiving service.

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

[0083] When the above process is executed, the payment server 100 sets up a virtual account for the user (S216). For example, the payment server 100 may set a predetermined account among virtual accounts prepared in advance as the virtual account for the user, or may acquire and set a virtual account for the user in cooperation with the first bank server 200. The payment server 100 also manages information such as the above-mentioned account information 222 in which the user's identification information and the virtual account are associated with each other.

[0084] When the virtual account is set, the payment server 100 displays an interface screen IM1 shown in Fig. 18 on the display unit. The interface screen IM1 includes information such as the name of the bank that manages the virtual account, the account number of the virtual account, and the name of the user linked to the account. The user provides the payer who receives the salary with the virtual account information, and the payer sets the virtual account of the user as the remittance destination of the salary. As a result, the payment source server 80 transfers the salary to the virtual account of the user.

[0085] As described above, the payment server 100 lowers the upper limit of the normal wallet (e.g., from 1 million yen to 800,000 yen) when the application for salary receipt is completed or when the wallet check is completed. When the user cancels the salary receipt service, the payment server 100 raises the upper limit of the normal wallet (e.g., from 800,000 yen to 1 million yen). In this way, the payment server 100 adjusts the upper limit of the normal wallet at an appropriate timing.

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

[0087] For example, the payment server 100 displays an interface screen including the amount of salary deposited in the salary wallet and information on the autosweep bank account in response to the deposit (see Figs. 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. FIG. 19 is a diagram showing the interface screen IM2. The interface screen IM2 includes, for example, information indicating the amount of salary received each month, the amount deposited in the salary wallet, the amount deposited in the autosweep bank account, and the like. By referring to the interface screen IM2, the user can check the monthly breakdown of salary receipt (breakdown for each specified period).

[0089] [Interface screen (2)] The payment server 100 displays an interface screen related to salary receipt, shown in Fig. 20, on the display unit of the user terminal device 10. Fig. 20 is a diagram showing an 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 remittance to a bank), information on the bank account for autosweep, and information on the wallet to be preferentially used. The user can select the wallet to be preferentially used by operating button B included in the interface screen IM3.

[0090] For example, a user can set the priority of using a normal wallet or the priority of using a salary wallet. When an electronic payment is made using an electronic payment service, the payment server 100 uses the charge amount of the set wallet with priority based on the above settings. The payment server 100 executes electronic payment using the wallet with priority set by operating a setting button for setting the priority. The payment server 100 executes electronic payment using electronic money in the wallet that the user has specified as the priority.

[0091] In addition to the above two wallets, the wallet may include a points wallet to which points are charged, 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 by a charge other than a charge from a bank account, such as a charge using a credit card or a charge using a specified service. A user can use a wallet that he or she prefers to use from among the above multiple wallets. The use of the points wallet and the specific wallet may be given priority over the use of other wallets.

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

[0093] For example, the interface screen IM4 is set so that on a specified date, 30,000 yen will be transferred to AAA, 20,000 yen to BBB, and 10,000 yen to XX Bank. If the balance in the salary wallet is insufficient, the payment server 100 transfers to the remittance destination with the highest priority. For example, the highest priority is AAA, BBB, and XX Bank, in that order. Note that if the balance in the salary wallet is insufficient, the balance in the regular wallet may be used.

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

[0095] The payment server 100 changes the above priority or the amount to be remitted in response to a specific operation by the user. Furthermore, when the user performs an operation to change the remittance date (scheduled remittance date), the payment server 100 displays an interface screen IM5 on the display unit. The interface screen IM5 includes, for example, a calendar for specifying the remittance date. The payment server 100 sets the remittance date specified by the user on the calendar, and remits the remittance on the set remittance date. Note that the remittance date may be set for each remittance destination. For example, the remittance date to AAA and the remittance date to BBB may be set to different days.

[0096] [Interface screen (4)] For example, when a user performs an operation to determine a remittance destination by a remittance process (standing instruction), the payment server 100 displays an interface screen shown in FIG. 22 on the display unit. The interface screen IM6 is a list of remittance destinations. After the user determines the remittance destination, the payment server 100 accepts input of the remittance amount on the interface screen IM7 displayed on the display unit. Furthermore, the payment server 100 displays on the display unit a calendar interface screen IM8 for accepting the setting of the remittance date. When the remittance date is set on the calendar, the payment 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. Fig. 23 is a diagram showing the interface screen IM11. The interface screen IM11 is a screen that is displayed, for example, when remittance is made to a remittance destination by standing instructions. The interface screen IM11 includes information such as the remitted amount and the type of electronic money (wallet type) used for the remittance.

[0098] For example, a user can automatically transfer electronic money to a designated remittance destination on a remittance date by using standing instructions. Furthermore, a user can transfer electronic money from a wallet with a preset priority.

[0099] [Interface screen (6)] The interface screen for the monthly breakdown may be the following screen. FIG. 24 is a diagram showing an interface screen IM12 showing the monthly breakdown. The interface screen IM12 includes information such as the amount of electronic money salary received by the user in the target month, the amount of electronic money salary received in the past, and details of standing instructions that have been executed. The interface screen IM12 is an example of an interface screen that "includes the amount of the deposited salary and the amount of salary deposited prior to the deposit."

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

[0101] [Interface screen (7)] When electronic payment is made, the payment server 100 displays information on the type of wallet used and the amount spent from that type of wallet on the display unit. Fig. 25 is an 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 electronic payment is made, the user can easily recognize the type of wallet used and the amount spent from the wallet.

[0102] According to the embodiment described above, the payment server 100 can improve the convenience of the user by providing the user with a service related to salary receipt.

[0103] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0104] 10 User terminal device 20. Payment App 80 Payment Server 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Payroll Processing Department 178 Intermediate Wallet Information 182 Remittance Information 200 First Bank Server 300 Second Bank Server 400 Service Server

Claims

1. When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of an electronic payment service, electronic money corresponding to the salary is deposited into a salary wallet of the user's identification information managed by the electronic payment service; Remit the electronic money of the salary in the salary wallet to a preset remittance destination on a preset date; When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of the electronic payment service, Depositing the amount of said salary that is equal to or less than the upper limit of said salary wallet as electronic money into said salary wallet, and depositing the amount of said salary that exceeds the upper limit of said salary wallet into a bank account of a designated bank, The electronic money in the salary wallet is deposited as cash at the designated bank on the designated remittance date, After a user's salary is deposited into a virtual account of the user at a first bank linked to identification information of the user of the electronic payment service, electronic money corresponding to the salary is deposited into an intermediate wallet; depositing the salary into the bank account of the set bank and into the salary wallet via the intermediate wallet; Information processing device.

2. The remittance destination is a bank account at a bank different from the first bank, depositing said electronic money into a bank account of said bank as cash; The information processing device according to claim 1 .

3. The remittance destination is a remittance destination that can be set by the user by operating an electronic payment application of the electronic payment service.

3. The information processing device according to claim 1 or 2.

4. Refer to the priority of the remittance destinations set by the user and the remittance amount for each remittance destination, The electronic money in the salary wallet is transferred to a higher priority recipient first.

3. The information processing device according to claim 1 or 2.

5. The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, If the electronic money in the salary wallet is insufficient for the remittance, the regular wallet is used to remit the money to the remittance destination. The information processing device according to claim 4.

6. The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, The salary is not deposited in the regular wallet, When a salary is deposited in the salary wallet, insurance is applied to the salary in the salary wallet to guarantee the salary in the salary wallet; The information processing device according to claim 4.

7. updating the insurance target based on the update of the status of the salary wallet, and applying insurance to the electronic money in the salary wallet after the update to guarantee the salary of the salary wallet; The information processing device according to claim 6.

8. The remittance destination is a wallet of another user linked to the user in the electronic payment service.

3. The information processing device according to claim 1 or 2.

9. The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, the remittance destination is a regular wallet of another user linked to the user in the electronic payment service, The salary is not deposited in the regular wallet, When a salary is deposited in the salary wallet, insurance is applied to the salary in the salary wallet to guarantee the salary in the salary wallet; 3. The information processing device according to claim 1 or 2.

10. displaying an interface screen including a calendar for setting the setting date on a display unit of a user terminal device of the user in response to an operation by the user; 3. The information processing device according to claim 1 or 2.

11. The computer When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of an electronic payment service, electronic money corresponding to the salary is deposited into a salary wallet of the user's identification information managed by the electronic payment service; Remit the electronic money of the salary in the salary wallet to a preset remittance destination on a preset date; When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of the electronic payment service, Depositing the amount of said salary that is equal to or less than the upper limit of said salary wallet as electronic money into said salary wallet, and depositing the amount of said salary that exceeds the upper limit of said salary wallet into a bank account of a designated bank, The electronic money in the salary wallet is deposited as cash at the designated bank on the designated remittance date, After a user's salary is deposited into a virtual account of the user at a first bank linked to identification information of the user of the electronic payment service, electronic money corresponding to the salary is deposited into an intermediate wallet; depositing the salary into the bank account of the set bank and into the salary wallet via the intermediate wallet; Information processing methods.

12. On the computer, When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of an electronic payment service, electronic money corresponding to the salary is deposited into a salary wallet of the user's identification information managed by the electronic payment service; The electronic money of the salary in the salary wallet is transferred to a preset remittance destination on a preset date, When a user's salary is deposited into a virtual account of the user at a first bank linked to the user's identification information of the electronic payment service, Depositing the amount of said salary that is equal to or less than the upper limit of said salary wallet as electronic money into said salary wallet, and depositing the amount of said salary that exceeds the upper limit of said salary wallet into a bank account of a designated bank, The electronic money in the salary wallet is deposited as cash at a designated bank on a designated remittance date, After a user's salary is deposited into a virtual account of the user at a first bank linked to identification information of the user of the electronic payment service, electronic money corresponding to the salary is deposited into an intermediate wallet; depositing the salary into the bank account of the set bank and into the salary wallet via the intermediate wallet; program.

Images