Information processing apparatus, information processing method, and program

Abstract

To improve the convenience for users. 【Solution means】When the user's salary is deposited into the virtual account of the user at the first bank linked to the identification information of the user of the electronic payment service, electronic money corresponding to the salary is deposited into the salary wallet of the identification information of the user managed by the electronic payment service, and in response to the deposit, an information processing device that causes a display unit of a user terminal device to display an interface screen of the electronic payment service including information regarding the salary deposited into the salary wallet.

Description

Technical Field

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

Background Art

[0002] In recent years, in the electronic payment services provided by fund transfer operators, so-called "digital salary" (salary digital payment), in which funds derived from salaries are transferred as electronic money between the company's account and the employee's account to pay salaries in the form of electronic money, has been institutionalized. In response, various studies have been conducted on the service provision methods of digital salary (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] Conventionally, the convenience of users has not been sufficiently considered. For this reason, the convenience of users has sometimes been low.

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

Means for Solving the Problems

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

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

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

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

Advantages of the Invention

[0010] According to one aspect of the present invention, it is possible to provide an information processing apparatus, an information processing method, and a program that can improve the convenience for users.

Brief Description of the Drawings

[0011]

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Mode for Carrying Out the Invention

[0012] Hereinafter, embodiments of an information processing apparatus, an information processing method, and a program according to the present invention will be described with reference to the drawings. Various apparatuses such as a "server" that appears hereinafter for providing services to users or performing internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the payment server cooperate 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 payment for the purchase of goods and services in a store. The store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a party different from the operator of the electronic payment service. In that case, when making a payment for shopping in the virtual store, it may be controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, the store is, for example, treated as belonging to a franchise (brand), and processing such as payment when a purchase action is performed in the store is mainly carried out between the user and the franchise. Alternatively, processing such as payment may be carried out 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 centering around a payment server 100. An electronic payment system for realizing the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payer server 80, a payment server 100, a first bank server 200, a second bank server 300, and one or more service servers 400. These devices communicate with each other via, for example, a network NW. 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 among a plurality of devices in any form or integrated into any device.

[0014] The payer 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 payer server 80, the first bank server 200, the second bank server 300, and the service server 400 may be realized by hardware (including a circuit part; 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), an SOC (System On Chip), or may be realized by the cooperation of software and hardware.

[0015] [User Terminal Device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or 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, etc. In the user terminal device 10, the settlement app 20 is executed by a processor such as a CPU, and it operates to provide an electronic payment service to the user in cooperation with the payment server 100. The settlement app 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, the mini app 30 operating within the settlement app 20 is available. The mini app 30 provides services to the user in cooperation with, for example, the corresponding service server 400.

[0016] [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).

[0017] [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, the interface 72 for the franchise store operates. The interface 72 for the franchise store may be an application for the franchise store or a browser. The interface 72 for the franchise store accepts settings of coupons and the like by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70 which is a smartphone has functions 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 the application for the franchise store.

[0018] [Payment source server] The payment source server 80 is a server device that is the payment source of the user's salary. The payment source server 80 transfers the salary date to a predetermined account in cooperation with the first bank server 200 on the salary date.

[0019] [Payment server] The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise store server. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server. In the following description, this is not particularly distinguished, and it is assumed that the payment information is transmitted from the first store terminal device 50.

[0020] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, in electronic payment.

[0021] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the settlement application 20 is started decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, store ID, etc. in the payment server 100 (described later). The settlement application 20 transmits the first settlement information including the store URL and the account ID to the settlement server 100 (S2). The settlement server 100 searches for store information (described later) from the franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (S3), and transmits it to the settlement application 20 (S4). The user inputs the settlement amount into the user terminal device 10 on the screen where the franchise store name and store name are displayed (S5). Then, the user terminal device 10 generates second settlement information including at least the settlement amount and transmits it to the settlement server 100 (S6). The settlement server 100 performs an electronic settlement based on the received second settlement information (S7). Then, the settlement server 100 transmits a settlement completion notification (information for displaying a settlement completion screen) to the settlement application 20 (S8), and the settlement application 20 displays the settlement completion screen (S9). Note that when the store code image 60 is displayed by a display placed in the store, the store code image 60 may include not only the store URL but also settlement amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the settlement amount information is included in the first settlement information and transmitted to the settlement server 100. Information on the franchise store name and store name may be included and displayed on the settlement completion screen.

[0022] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 shields (presents) the display surface of the user terminal device 10 against the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including a one-time code, a payment amount, a franchise store ID, a store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

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

[0024] [Functional Configuration of Payment Server] FIG. 4 is a configuration diagram of the settlement server 100. The settlement server 100 includes, for example, a communication unit 110, a content providing unit 120, a settlement processing unit 130, an information management unit 140, a payroll processing unit 150, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as an LSI, an ASIC, an FPGA, a GPU, or an SOC, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device.

[0025] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, content information 174, franchise / store 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 the 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, the 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 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user in a state where the content is reproduced by the payment application 20 and transmits the above-described 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 information necessary for the generation of the content to the payment application 20.

[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 content of user information 172. The user information 172 is an example of the registration information of the user. The user information 172 includes, for example, a user URL, an account ID, a phone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, wallet information 180 (charge balance of each wallet) described later, credit payment settings, credit payment limits, credit payment usage amounts, available credit payment amounts, payment method settings, bank accounts, credit card numbers, charge history information, payment history information, and other information that are associated with each other. The user URL is used for money transfer processing between users. When newly registering for an electronic payment service, it is mandatory to register a phone 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 the user can optionally set (it is not necessary to set it). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (it is not necessary to set it). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) with these pieces of information associated with each other is referred to as an account.

[0030] Each wallet of the above wallet information 180 includes a normal wallet and a salary wallet. The salary wallet is a wallet into which salary electronic money is deposited, and the normal wallet is a wallet into which electronic money with a source different from the salary is deposited.

[0031] The remaining balance of the charge indicates information about the remaining balance of the electronic money set by the user's advance transfer to the account. As means of transfer, there are transfers from an ATM (Automatic Teller Machine) of a designated operator (bank), transfers from a registered bank account, etc. The credit payment setting indicates information on whether the setting for enabling electronic payment by credit payment using the payment application 20 has been completed or not, and is set to either "completed" or "not completed". The credit payment limit is the limit amount of credit payment available per month. The credit payment used amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month obtained by subtracting the credit payment used amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there are further upper limits per day, etc., and the lower of them 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 makes an electronic payment using the remaining balance of the charge or makes a payment by credit payment at that time. Each of the bank account and the credit card number is information (account number, card number) of a bank account or a credit card number that can receive deposits for the electronic payment service. The charge history information is the history of the user's advance transfer to the electronic payment service to increase the remaining balance of the charge. The payment history information is information showing the breakdown of the payments made by the user (date and time, store ID of the store where the purchase action was taken, payment amount, payment method, etc.) for each payment.

[0032] [Merchant / Store Information] Figure 6 is a diagram showing an example of the content of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which a merchant ID and a store ID are associated with a store URL, a second table 176B in which a merchant name and a sales amount (described above) are associated with the merchant ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the merchant / store information 176 may include information such as the category of the merchant or store, the location of the store, and the payment pattern.

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

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

[0035] When the "settlement information" is set to "credit payment (credit payment using code information)" for the user, the settlement processing unit 130 performs electronic settlement as follows. Credit payment is a payment method through 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 creditor and allows electronic payment that does not depend on the remaining recharge amount within the credit payment limit. In addition, in order to receive 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 for credit payment is settled in one lump sum on the payment date of the following month, for example, by debit from a bank account. In this case, the settlement processing unit 130 performs a provisional settlement by adding the settlement amount to the credit payment usage amount and subtracting the same amount from the available credit payment amount, and performs processing to debit the settlement for the current month to the payment date of the following month as described above at the closing date, or requests the operator of the credit card company to perform the processing. If the settlement amount exceeds the available credit payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0036] [Salary Receipt (Payroll Service)] The payroll processing unit 150 executes various processes related to salary. The payroll processing unit 150, for example, transfers the salary to a salary wallet described later or transfers it to a predetermined bank account. Details of these processes will be described later.

[0037] [First Bank Server] The first bank server 200 is a server device of the first bank. The first bank server 200 transfers the salary to the user's virtual account 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 then deposits the salary into the user's virtual account linked to the bank account.

[0038] [Second Bank Server] The Second Bank Server 300 is a server device of the Second Bank. Based on the instructions of the Settlement Server 100, the Second Bank Server 300 transfers salaries and the like to the user's bank account at the Second Bank.

[0039] [Service Server] The Service Server 400 provides services to users in cooperation with the Settlement Application 20, the Mini-Application 30, or the Settlement Server 100. The services are various services such as, for example, securities services, banking services, insurance services, and shopping services.

[0040] [Overview of the Process for Receiving Salaries] FIG. 7 is a diagram for explaining the process related to salaries. (1) The Paying Source Server 80 transfers the salary to the user's virtual account (details will be described later) in cooperation with the First Bank Server 200 on the user's salary date. (2) The First Bank Server 200 notifies the Settlement Server 100 of the deposit of the salary. (3) The Settlement Server 100 charges the salary to the user's salary wallet in response to the notification. (4) When the upper limit that can be charged to the salary wallet is exceeded by the salary, the Settlement Server 100 transfers the excess amount to the user's bank account at the Second Bank (automatic transfer) in cooperation with the Second Bank Server 300. (5) The Settlement Server 100 provides services to the user in cooperation with the Service Server 400 in response to the user's operations on the Settlement Application 20 or the Mini-Application 30. For example, the Settlement Server 100 provides various services to the user using the electronic money deposited in the salary wallet.

[0041] [Overview of the Process for Transfer from the Paying Source Server to the First Bank Server] FIG. 8 is a diagram for explaining the process for transfer from the Paying Source Server 80 to the First Bank Server 200. The Paying Source Server 80 includes, for example, a salary processing unit 82 and a storage device 90 in which account information 92 to be described later is stored. The salary processing unit 82 transfers the salary to the user's virtual account on the salary date in cooperation with the First Bank Server 200.

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

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

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

[0045] [Processing related to the salary of the settlement server] As described above, when the 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] [Processing related to the transfer from the virtual account to the salary wallet] The payroll processing unit 150 of the settlement server 100 cooperates with the First Bank server 200 of the First Bank to which the salary is transferred. When the First Bank server 200 deposits the user's salary into the user's virtual account linked to the identification information of the user of the electronic payment service on the day specified by the salary payer, the payroll processing unit 150 obtains from the First Bank server 200 a notification of the deposit information regarding the user's identification information and the deposit amount. In response to the above notification, the payroll processing unit 150 deposits part or all of the deposited salary into the salary wallet of the identification information of the user managed by the electronic payment service.

[0047] When, for example, the user's salary is deposited into the user's virtual account linked to the identification information of the user of the electronic payment service, the settlement server 100 deposits electronic money corresponding to the salary into the intermediate wallet managed by the electronic payment service. The settlement server 100 deposits part or all of the electronic money in the intermediate wallet into the salary wallet of the identification information of the user managed by the electronic payment service. The settlement server 100 may, for example, notify the user of the information indicating that the salary has been deposited when the intermediate wallet is deposited. The notification may be made via the settlement application 20.

[0048] In response to the notification, the settlement server 100 deposits part of the deposited salary into the salary wallet of the identification information of the user managed by the electronic payment service. The settlement server 100 deposits it immediately into the salary wallet in response to the notification. Specifically, when the settlement server 100 deposits the electronic money corresponding to the salary into the intermediate wallet, it immediately deposits part or all of the deposited electronic money into the salary wallet of the identification information of the user managed by the electronic payment service. Immediately means, for example, within a few seconds, dozens of seconds, a few minutes, dozens of minutes, within a few hours, etc. from the notification of the salary deposit or when the salary is deposited into the virtual account.

[0049] The payroll processing unit 150 executes a process for depositing a part of the received salary into a bank account associated with the identification information of the user. The bank account is a bank account managed by the second bank server 300. The process for depositing is, for example, that the payroll processing unit 150 instructs the second bank server 300 to deposit the salary into the above bank account in order to deposit a part or all of the salary into the designated bank account, and causes the second bank server 300 to deposit the salary into the above bank account.

[0050] For example, the process is performed using the intermediate wallet as follows. In response to the above notification, the settlement 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 it into the bank account of the second bank associated with the identification information of the user. For example, when the settlement server 100 deposits electronic money corresponding to the salary into the intermediate wallet, it deposits a part of the deposited electronic money into the salary wallet of the identification information of the user managed by the electronic payment service. The settlement server 100 executes a process for depositing all or a part of the remaining received salary into a bank account associated with the identification information of the user.

[0051] The settlement server 100 refers to the intermediate wallet information 178 and temporarily charges the full amount of the salary to the intermediate wallet linked to the identification information of the user. FIG. 10 is a diagram showing an example of the intermediate wallet information 178. The intermediate wallet information is information in which the identification information of the user and the contents of the intermediate wallet are associated.

[0052] [Transfer to Wallet and Bank Account] The settlement server 100 executes a process for depositing a part or all of the salary so that the balance of the salary wallet satisfies the condition that the balance is less than or equal to the threshold value, and depositing the part of the salary whose balance of the salary wallet exceeds the threshold value into the bank account of the second bank.

[0053] The settlement 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, deposits it into the bank account (bank account) of the second bank associated with the user's identification information, and deposits the electronic money in the salary wallet into the bank account (bank account of the remittance information 182) of the third bank at the preset remittance destination.

[0054] The settlement server 100 associates the salary sent to the intermediate wallet, and further refers to the wallet information 180 to perform a process of associating the salary with the salary wallet. FIG. 11 is a diagram showing an example of the content 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 normal wallet are associated with the user's identification information.

[0055] The salary wallet is a dedicated wallet for the sent salary. The normal wallet is a wallet into which electronic money sent as a source different from the salary is deposited. An upper limit (for example, 200,000 yen) is set for the salary wallet. An upper limit (for example, 800,000 yen) is also set for the normal wallet. An upper limit (for example, 1,000,000) is 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 be set for the salary wallet. In the following example, it is assumed that the upper limit of the salary wallet is 200,000 yen and the upper limit of the normal wallet is 800,000 yen.

[0056] FIG. 12 is a diagram for explaining the process (1) related to the deposit into the wallet executed by the settlement server 100. For example, the settlement server 100 deposits the salary into the salary wallet. However, when the total of the amount deposited in the salary wallet and the amount of the salary exceeds the upper limit of the salary wallet, the amount exceeding the upper limit of the salary is remitted to the user's bank account of the second bank server 300.

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

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

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

[0060] [Insurance Application] The settlement server 100 applies insurance to the salary in the salary wallet to guarantee the salary in the salary wallet. Based on the update of the status of the salary wallet, the settlement server 100 updates the insurance target and applies insurance to the electronic money in the updated salary wallet to guarantee the salary in the salary wallet. For example, the insurance is updated at regular intervals such as once a day. Every time the status of the salary wallet is updated, the settlement server 100 updates the insurance target and applies insurance to the electronic money in the updated salary wallet to guarantee the salary in the salary wallet. For example, every time money is deposited into the salary wallet, the settlement server 100 applies insurance to the electronic money in the salary wallet after the deposit. For example, every time the electronic money in the salary wallet is used, the settlement server 100 applies insurance to the remaining electronic money in the salary wallet. The insurance is insurance that guarantees the deposit amount in the salary wallet.

[0061] The settlement server 100 may, for example, transmit the amount of the salary wallet and information about the user of the salary wallet (such as name and address, information necessary for insurance application) to an insurance server (not shown) and request that insurance be applied to the deposited amount of the salary wallet. Then, when the settlement server 100 obtains information indicating that an insurance contract has been concluded or updated 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] Alternatively, the settlement server 100 may, for example, instead of collecting the log information of the salary wallet information for a predetermined period each time the content of the salary wallet is updated, collect the log information of the salary wallet information for a predetermined period and provide it to the insurance server at a predetermined timing. For example, the insurance company of the insurance server guarantees the electronic money in the salary wallet within the upper limit by receiving the provision of the log information.

[0063] As described above, by applying insurance, the settlement server 100 can guarantee the electronic money corresponding to the salary. As a result, the user can use the salary receipt service in the electronic payment service with confidence.

[0064] [Sequence Diagram] FIG. 14 is a sequence diagram showing an example of the flow of processing executed by the electronic payment service. First, the payer server 80 transfers the salary to the first bank server 200 on the salary payment date 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 into the virtual account (S102).

[0065] Next, the payment app 20 deposits the amount of salary credited to the virtual account into the intermediate wallet (S104). Next, the payment server 100 calculates the amount that can be credited to the salary wallet and credits the calculated amount to the salary wallet (S106). The amount that can be credited is that the amount in the salary wallet becomes 200,000 yen or less as described above. Next, the payment server 100 transfers the excess amount, which is the amount of the salary other than the credited amount, to the bank account of the user of 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 transferred amount of the excess. Furthermore, the payment server 100 notifies the first bank server 200 of the amount of the electronic money transferred to the salary wallet. As a result, the first bank server 200 recognizes that a part of the salary amount in the bank account for the electronic payment service has been credited to the bank account of the second bank and another part has been transferred to the salary wallet, and settles the transactions of the bank account (the user's virtual account) for the electronic payment service.

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

[0067] [Processing related to the use of the payroll service] The payment server 100 transfers the salary (electronic money) credited to the salary wallet to the transfer destination set in advance by the user. The transfer is made on the salary payment source or the transfer date set by the user. The payment server 100 executes a transfer process (standing instruction) to transfer the electronic money of the electronic payment service to a service specified in advance at a predetermined timing or a service different from the electronic payment service.

[0068] FIG. 15 is a diagram for explaining the outline of the transfer process. The payroll processing unit 150 of the payment server 100 transfers the electronic money in the salary wallet credited via the payment source server 80 and the first bank server 200 to the transfer destination.

[0069] FIG. 16 is a diagram showing an example of the content of the remittance information 182. The remittance destination is defined in the remittance destination information. The remittance destination information is information in which a remittance destination (or service), the amount to be remitted, the scheduled remittance date, and the linked 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 used for remittance may be associated with each remittance destination. The remittance destination or the scheduled remittance date can be set by the user by operating the settlement 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 another service with which it is affiliated.

[0070] The remittance destination or the service of the remittance destination is, for example, a credit card company of the credit card being used, a repayment destination of a loan, an account or account of the electronic payment service of a person specified in advance such as a wife (P2P remittance), an insurance company providing the insurance being subscribed to, a securities company being used (securities account for investment), the user's bank account (deposit), the user's (or specified person's) account (charge), a bank account of a person different from the specified user, a voucher seller of an automatic voucher purchase service, and the like. The account or account of P2P remittance is an example of "another user's wallet linked to the user in the electronic payment service".

[0071] Electronic money is automatically remitted to the above-mentioned remittance destination on the specified date. For example, on the specified date, repayment to the credit card company, repayment of a loan, deposit into the specified account or account, payment of insurance premiums, purchase of financial products such as specified securities, deposit, charge to the user's account, deposit into the bank account of the specified person, purchase of preset vouchers, etc. are carried out.

[0072] The payee information may be associated with the priority of the payee. The user can set the priority by operating the payment application 20. The payment server 100 may refer to the priority of the payee set by the user and the transfer amount for each payee, and preferentially transfer the e-money in the salary wallet to the payee with a higher priority. Thereby, it is possible to prioritize transfers to payees with higher priorities.

[0073] When the e-money in the salary wallet is insufficient for a transfer, the payment server 100 may use the normal wallet to transfer money to the payee. Thereby, it is possible to more reliably transfer money to the payee.

[0074] In the above example, when the recharge amount (salary e-money) in the salary wallet is used by another user or a predetermined service, the recharge amount in the salary wallet (the insured recharge amount) disappears. For example, when money is transferred from the salary wallet to another user, the e-money is treated as e-money to which insurance does not apply. However, when the e-money is returned to the user due to certain circumstances, for example, even after it has been withdrawn from the salary wallet, it may be recharged to the salary wallet or treated as e-money to which insurance applies. For example, when the payment server 100 attempts to transfer money to another user's account or a predetermined bank account based on the user's instructions but the transfer fails, the transferred or attempted-to-be-transferred salary e-money is treated as salary e-money again. For example, after the user uses the e-money in the salary wallet to make an electronic payment for a shopping service and then cancels the order and the e-money is refunded, it is treated as salary e-money again. For example, the e-money is recharged to the salary wallet and insurance is applied.

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

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

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

[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 normal wallet meets the conditions. The conditions are, for example, that the charged amount is less than or equal to a predetermined amount or less than a predetermined amount. The predetermined amount is, for example, the upper limit amount of the wallet or the set amount such as 1 million yen or 800,000 yen. The predetermined amount is the amount set so that when a salary wallet is set and a salary is transferred, the salary can be deposited into the salary wallet.

[0079] If the requirements of the wallet check are not met, the payment server 100 executes a predetermined process (S206). The predetermined process is, as described above, a process of notifying information indicating that a salary receipt application can be made when the charge amount of the normal wallet is less than or equal to a predetermined amount or less than a predetermined amount, or a process of transferring the remaining charge balance of the normal wallet to a designated bank account.

[0080] If the requirements of the wallet check are met, 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 the salary receipt service. For example, information indicating that a specified amount of the salary is deposited into the salary wallet and the rest is deposited into the auto-sweep bank account (the bank account of the second bank), or information indicating that a transfer can be made from the salary wallet to the service designated on the specified date (the scheduled transfer date) as described in FIG. 15. Note that the name of the auto-sweep bank account needs to be the same as the name of the above-mentioned eKYC. The payment server 100 determines this identity. Note that bank accounts with different names may be registered as auto-sweep bank accounts.

[0081] Next, the payment server 100 causes the display unit of the user terminal device 10 to display an interface screen for setting biometric authentication, and causes the user to execute the setting of biometric authentication (S212). The biometric authentication is arbitrary authentication such as fingerprint authentication or face authentication. Thereafter, when the biometric authentication is successful when the user uses the salary receipt service, the payment server 100 provides the service.

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

[0083] When the above processing is executed, the payment server 100 sets a virtual account for the user (S216). For example, the payment server 100 may set a predetermined account among the pre-prepared virtual accounts as the virtual account of the user, or may obtain and set a virtual account for the user in cooperation with the first bank server 200. Also in the payment server 100, information in which the user identification information such as the above-described account information 222 is associated with the virtual account is managed.

[0084] When the payment server 100 sets the virtual account, it causes the display unit to display the interface screen IM1 shown in FIG. 18. The interface screen IM1 includes, for example, 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 associated with the account. By providing the information of the virtual account to the payer from whom the salary is received, the payer sets the virtual account of the user as the remittance destination of the salary. Thereby, the payer server 80 transfers the salary to the virtual account of the user.

[0085] As described above, the settlement server 100 reduces the upper limit of the normal wallet (for example, from 10 million yen to 8 million yen) at the timing when the application for salary receipt is completed or the wallet check is completed. When the user cancels the salary receipt service, the settlement server 100 increases the upper limit of the normal wallet (for example, from 8 million yen to 10 million yen). In this way, the settlement server 100 adjusts the upper limit of the normal wallet at an appropriate timing.

[0086] [Interface screen related to salary receipt] When the user's salary is deposited into the virtual account of the user of the first bank linked to the identification information of the user of the electronic payment service, the settlement server 100 deposits the electronic money corresponding to the salary into the salary wallet of the identification information of the user managed by the electronic payment service. The settlement server 100 causes the display unit of the user terminal device 10 to display an interface screen of the electronic payment service including information on the salary deposited into the salary wallet in response to the deposit.

[0087] For example, the settlement server 100 causes an interface screen including the amount of salary deposited into the salary wallet, information on the auto-sweep bank account, etc. to be displayed in response to the deposit (see FIGS. 19 and 20).

[0088] [Interface screen (1)] The settlement server 100 causes an interface screen related to salary receipt to be displayed 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 monthly, the amount deposited into the salary wallet, the amount deposited into the auto-sweep bank account, etc. The user can check the breakdown (breakdown for each predetermined period) of the salary receipt for each month by referring to the interface screen IM2.

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

[0090] For example, the user can set to preferentially use the normal wallet or set to preferentially use the salary wallet. When an electronic settlement of the electronic settlement service is performed, the settlement server 100 preferentially uses the charged amount of the set wallet based on the above settings. The settlement server 100 executes an electronic settlement using the wallet preferentially used set by operating the setting button for setting the priority. The settlement server 100 executes an electronic settlement using the electronic money of the wallet designated as preferred by the user.

[0091] In addition to the above two wallets, the wallet may include a point wallet charged with points, a specific wallet for electronic money that cannot be remitted to a bank account, and the like. The electronic money that cannot be remitted to a bank account is electronic money deposited by a charge different from a charge from a bank account such as a charge using a credit card or a charge using a predetermined service. The user can use the wallet to be preferentially used from among the above plurality of wallets. Note that the use of the point wallet and the specific wallet may be prioritized over the use of other wallets.

[0092] [Interface Screen (3)] The settlement server 100 may display on the display unit of the user terminal device 10 an interface screen related to salary receipt shown in FIG. 21. FIG. 21 is a diagram showing the interface screens IM4 and IM5. The interface screen IM4 is, for example, a screen related to salary receipt. On the interface screen IM4, for example, are displayed the name of the salary recipient, the amount charged to the salary wallet, information on the transfer destination and transfer amount for which a standing instruction (allocation management) is set, a button B2 for adding allocation management, the transfer date of the electronic money related to the allocation management, information on the bank account for auto sweep, a button B1 for displaying the breakdown for each month, and the like. 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 operation of the user."

[0093] On the interface screen IM4, for example, a setting is made such that 30,000 yen is transferred to Mr. AAA and 20,000 yen is transferred to Mr. BBB on a specified date, and 10,000 yen is transferred to ○○ Bank. When the balance in the salary wallet is insufficient, the settlement server 100 makes a transfer to the transfer destination with a higher priority. For example, Mr. AAA, Mr. BBB, and ○○ Bank have higher priorities in this order. Note that when the balance in the salary wallet is insufficient, the balance in the normal wallet may be used.

[0094] The interface screen IM4 is an example of "the interface screen including a setting button (button B2) for setting to automatically transfer the electronic money deposited in the salary wallet to another user who is a preset transfer destination or a bank account of a third bank."

[0095] The settlement server 100 changes the above priorities or changes the amount to be transferred in response to a predetermined operation by the user. Further, when the user performs an operation to change the transfer date (scheduled transfer date), the settlement server 100 causes the interface screen IM5 to be displayed on the display unit. The interface screen IM5 includes, for example, a calendar for specifying the transfer date. The settlement server 100 sets the transfer date specified by the user in the calendar and performs the transfer on the set transfer date. Note that the transfer date may be set for each payee. For example, the transfer date to Mr. AAA and the transfer date to Mr. BBB may be set on different days.

[0096] [Interface Screen (4)] For example, when the user performs an operation to determine the payee by a transfer process (standing instruction), the settlement server 100 causes the interface screen shown in FIG. 22 to be displayed on the display unit. The interface screen IM6 is a list of payees. After the user determines the payee, the settlement server 100 accepts the input of the transfer amount on the interface screen IM7 displayed on the display unit. Further, the settlement server 100 causes the calendar interface screen IM8 for accepting the setting of the transfer date to be displayed on the display unit. When the transfer date is set in the calendar, the settlement server 100 sets the standing instruction and executes the set standing instruction at the set timing.

[0097] [Interface Screen (5)] The settlement server 100 causes the interface screen related to salary receipt to be displayed 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, for example, a screen displayed when a transfer is made to a payee by a standing instruction. The interface screen IM11 includes information such as, for example, the transferred amount and the type of electronic money (type of wallet) used for the transfer.

[0098] For example, the user can transfer e-money to the payee designated on the remittance date automatically according to the standing instruction. Further, the user can transfer the e-money in the wallet with the preset priority.

[0099] [Interface screen (6)] The interface screen of the monthly breakdown may be the following screen. FIG. 24 is a diagram showing an interface screen IM12 indicating the monthly breakdown. The interface screen IM12 includes information such as, for example, the amount of salary e-money received by the user in the target month, the amount of salary e-money received in the past, and the details of the standing instructions executed. The interface screen IM12 is an example of an interface screen that "includes the amount of the received salary and the amount of the salary received before the said receipt".

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

[0101] [Interface screen (7)] When an electronic payment is executed, the settlement server 100 causes the display unit to display information on the type of wallet used and the amount spent from the wallet of that type. FIG. 25 is an interface screen of the payment completion screen. The interface screen IM13 includes information such as the settlement amount of the electronic payment, the type of wallet used for the electronic payment, the usage amount, and the payment method. When an electronic payment is executed, 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 settlement server 100 can improve the convenience of the user by providing a service related to salary receipt to the user.

[0103] As described above, the embodiments for carrying out the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Signs

[0104] 10 User terminal device 20 Payment application 80 Debtor server 100 Payment server 120 Content providing unit 130 Payment processing unit 140 Information management unit 150 Payroll processing unit 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; In response to the deposit, an interface screen of the electronic payment service including information about the salary deposited in the salary wallet is displayed on a display unit of the user terminal device; 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 a bank account at a set bank and into the salary wallet via the intermediate wallet; Information processing device.

2. The information about the salary includes the amount of the salary deposited and the amount of salary deposited prior to the deposit. The information processing device according to claim 1 .

3. In response to the deposit, execute a process for depositing a portion of the salary into the salary wallet and another portion into a bank account at a second bank; displaying the interface screen including the amount of the salary deposited in the salary wallet on a display unit of the user terminal device; 3. The information processing device according to claim 1 or 2.

4. displaying the interface screen including the bank account information of the second bank on the display unit; The information processing device according to claim 3 .

5. displaying on the display unit the interface screen including a setting button for setting automatic remittance of the electronic money deposited in the salary wallet to a pre-set remittance destination, that is, a bank account of another user or a third bank; 3. The information processing device according to claim 1 or 2.

6. 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. The information processing device according to claim 5 .

7. 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 6.

8. The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, displaying on the display unit an interface screen including a setting button for setting whether to give priority to the use of the electronic money in the salary wallet or the electronic money in the regular wallet in the electronic payment of the electronic payment service; 3. The information processing device according to claim 1 or 2.

9. When electronic payment of the electronic payment service is executed, the electronic payment is executed using the wallet that is preferentially used and that is set by operating the setting button. The information processing device according to claim 8.

10. When the electronic payment is executed, information on the type of wallet used and the amount spent from the wallet of the type is displayed on the display unit. The information processing device according to claim 9.

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

12. 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 11.

13. 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, Depositing the electronic money in the salary wallet as cash at the designated bank on the designated remittance date; 3. The information processing device according to claim 1 or 2.

14. 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; In response to the deposit, an interface screen of the electronic payment service including information about the salary deposited in the salary wallet is displayed on a display unit of the user terminal device; 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 a bank account at a set bank and into the salary wallet via the intermediate wallet; Information processing methods.

15. 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; In response to the deposit, an interface screen of the electronic payment service including information about the salary deposited in the salary wallet is displayed on a display unit of the user terminal device; 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 a bank account at a designated bank and into the salary wallet via the intermediate wallet; program.

Images