Information processing system, information processing method, and program

Abstract

Reducing the burden when remitting money to others using an electronically managed balance 【Solution means】The information processing system is registered with the first user in an electronic money service that operates in cooperation with a cooperation service that provides a cooperation service to the first user and the second user. When an instruction to send electronic money of the remittance amount from the first user to the second user is given, the information processing system presents a method of receiving the electronic money to the second user. When an operation based on the receiving method is input from the second user and the second user is not registered in the electronic money service, the information processing system transmits information for registering the second user in the electronic money service. When the second user is registered in the electronic money service based on the information, the remittance amount is added to the balance of the electronic money available to the second user.

Description

Technical Field

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

Background Art

[0002] There is a payment service that enables payment from a balance electronically managed like electronic money. Some of these payment services allow money transfer between the balances of multiple users.

[0003] Patent Document 1 discloses a method for processing a money transfer to a money transfer recipient after a user selects the money transfer recipient in an instant messenger.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Not everyone uses a payment service that manages balances such as electronic money. To use such a payment service, it is necessary to register a user with the payment service in advance. Therefore, when a user transfers money to a recipient in that payment service, it is necessary to confirm whether the recipient is registered in that payment service.

[0006] The present disclosure provides a technique for reducing the burden when transferring money to others using an electronically managed balance.

Means for Solving the Problems

[0007] (1) An information processing system that provides a cooperation service that operates in cooperation with an electronic money service that manages electronic money for a first user and a second user, wherein the first user is registered in the electronic money service, and when an instruction to send electronic money in the amount of money to be sent from the first user to the second user is given, presenting means for presenting a method of receiving the electronic money to the second user; registration management means for transmitting information for registering the second user in the electronic money service when an operation based on the receiving method is input from the second user and the second user is not registered in the electronic money service; and when the second user is registered in the electronic money service based on the information, the amount of the transfer is added to the balance of the electronic money available to the second user.

[0008] (2) In (1), the cooperation service is a messaging service, and the presenting means transmits information including a method of receiving the electronic money as a message from the first user to the second user when the first user is registered in the electronic money service and an instruction to send electronic money in the amount of money to be sent from the first user to the second user is given.

[0009] (3) In (2), when the amount of the transfer is added to the balance of the electronic money available to the second user, the presenting means transmits, as a message to the first user by the messaging service, information notifying completion of receipt of the electronic money by the second user.

[0010] (4) In any one of (1) to (3), when the second user is registered in the electronic money service, the amount of the transfer is added to the balance of the electronic money available to the second user without presenting a method of receiving the electronic money.

[0011] (5) In any one of (1) to (4), when a plurality of attribute information required by the electronic money service is stored in association with the second user, the information processing system further includes determination means for determining that the second user is registered for the electronic money service.

[0012] (6) In (5), when an operation based on the receiving method is input from the second user and it is determined that the second user is not registered for the electronic money service, the registration management means transmits information requesting the second user to input the plurality of attribute information required by the electronic money service.

[0013] (7) In (6), when an operation based on the receiving method is input from the second user and it is determined that the second user is not registered for the electronic money service, the registration management means transmits to the second user information requesting input of the attribute information not registered in the cooperation service among the plurality of attribute information required by the electronic money service.

[0014] (8) In any one of (1) to (7), in the cooperation service, the first user and the second user are identified by a first account, and in the electronic money service, the first user and the second user are identified by a second account different from the first account, and the first account and the second account related to the first user are stored in association.

[0015] (9) In (8), when the second user inputs an operation based on the receiving method and it is determined that the second user is not registered with the electronic money service, the registration management means sends information to the second user requesting the second user to input attribute information required by the electronic money service or to specify another second account to which the specified attribute information is associated and stored, and when the second user specifies the other second account, the registration management means links the first account of the second user with the other second account.

[0016] (10) In the information processing system of (9), when an instruction is given to send electronic money of the remittance amount, the second account of the second user and the remittance amount are stored in association with each other, and when the first account of the second user and the other second account are linked, the registration management means associates the remittance amount associated with the second account of the second user with the other second account.

[0017] (11) In any of (1) to (10), an information processing system further includes a benefit granting means for granting a benefit with restricted use to the second user when the first user is registered in the electronic money service and an instruction is given to send electronic money of a remittance amount from the first user to the second user, and a restriction removal means for lifting the restriction on the benefit granted to the second user when the second user is registered in the electronic money service based on the information.

[0018] (12) In the information processing system of (11), the reward granting means grants the second user a reward corresponding to the amount of electronic money remittance when the first user is registered in the electronic money service and an instruction is given to send the amount of electronic money remitted from the first user to the second user, the reward having limited use.

[0019] (13) When the first user is registered in an electronic money service that operates in cooperation with a cooperation service that provides a cooperation service to the first user and the second user, and an instruction to send electronic money of the amount to be transferred from the first user to the second user is given, presenting a method of receiving the electronic money to the second user; and when an operation based on the receiving method is input from the second user and the second user is not registered in the electronic money service, transmitting information for registering the second user in the electronic money service, and when the second user is registered in the electronic money service based on the information, adding the transfer amount to the balance of the electronic money available to the second user. An information processing method.

[0020] (14) When the first user is registered in an electronic money service that operates in cooperation with a cooperation service that provides a cooperation service to the first user and the second user, and an instruction to send electronic money of the amount to be transferred from the first user to the second user is given, presenting means for presenting a method of receiving the electronic money to the second user, and when an operation based on the receiving method is input from the second user and the second user is not registered in the electronic money service, registration management means for transmitting information for registering the second user in the electronic money service, and when the second user is registered in the electronic money service based on the information, adding the transfer amount to the balance of the electronic money available to the second user. A program.

Effect of the Invention

[0021] According to the present invention, it is possible to reduce the burden when transferring money to others using electronically managed balances such as electronic money.

Brief Description of the Drawings

[0022]

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Embodiments for Carrying Out the Invention

[0023] Hereinafter, embodiments of the present invention will be described with reference to the drawings. Duplicate explanations for the configurations with the same reference numerals will be omitted.

[0024] FIG. 1 is a diagram showing an example of an information processing system according to an embodiment of the present invention. The information processing system includes a messaging system 1, an account management system 2, an electronic money system 3, and a terminal 4.

[0025] The messaging system 1 is a system that cooperates with the terminal 4 and provides a messaging service that enables message exchanges among a plurality of users. The messaging service is an example of a cooperation service that operates in cooperation with an electronic money service. The electronic money system 3 is a system that manages the balance of electronic money of registered users and provides a money transfer service among a plurality of users. The terminal 4 is a computer having a user interface, such as a personal computer or a smartphone.

[0026] Here, the user account in the messaging system 1 (hereinafter also referred to as "C account") is different from the user account in the electronic money system 3 (hereinafter also referred to as "P account"). The messaging system 1 internally manages the C account, and the account management system 2 manages the information of the P account. The account management system 2 further associates the managed P account with the C account of the messaging system 1. The C account and the P account respectively correspond to the first account and the second account in the claims.

[0027] In the following description, in the initial state, the remitter and the payee users each own a registered C account in the messaging system 1, and it is assumed that the remitter user owns a P account in the electronic money system 3 that can be used to pay the balance. Note that it is assumed that the payee user does not own a P account in the electronic money system 3 that can be used to pay the balance. Hereinafter, having a P account that can be used to pay the balance is also described as the user being registered in the electronic money service provided by the electronic money system 3. The remitter user and the payee user respectively correspond to the first user and the second user in the claims.

[0028] Even if a P account is registered in the account management system 2, it may be a P account that cannot be used for payment from the balance. In the present embodiment, when a C account is registered in the messaging system 1, the account management system 2 registers a temporary P account (hereinafter also referred to as a "light P account") associated with the C account. The light P account is identified by the same type of identification information as a payable P account, but the attribute information stored in association with the user identification information is only the attribute information input at the time of registration in the messaging system 1. Generally, when used for settlement, it is necessary to more strictly grasp the identity of the user, so more attribute information is required. Therefore, the attribute information input when using the messaging system 1 is insufficient to constitute a payable P account. Here, a P account in which the attribute information necessary for payment is registered is described as a "full P account". Also, in a payable P account, not only is it a full P account, but the user also needs to confirm the usage regulations of the electronic money service. Here, it is assumed that the plurality of attribute information about a certain user are different types of attribute information from each other.

[0029] The balance managed by the electronic money system 3 does not necessarily have to be the balance of prepaid electronic money. The electronic money system 3 only needs to manage the balance of value that can be used for electronic payments. For example, the electronic money system 3 may manage the balance of points instead of electronic money, or may manage the balance of any currency as the balance of electronic money. The descriptions of processes and the like regarding electronic money below can also be applied to other values that can be used for other electronic payments such as points.

[0030] Each of the messaging system 1, the account management system 2, and the electronic money system 3 includes one or more servers 10. The server 10 is an example of a computer, and may be other types of computers. Each of the servers 10 includes one or more processors 11, one or more storages 12, and one or more communication units 13. Each of the messaging system 1, the account management system 2, and the electronic money system 3 may be implemented on one or more virtual servers or container platforms.

[0031] The terminal 4 includes one or more processors 41, one or more storages 42, a communication unit 43, and an input / output unit 44. Installed in the storage 42 of the terminal 4 is, for example, an application program of the messaging service downloaded via the Internet.

[0032] The processors 11 and 41 operate according to programs (also referred to as instruction codes) stored in the storages 12 and 42, respectively. Also, the processors 11 and 41 control the communication units 13 and 43, respectively. The processors 11 and 41 include, for example, a CPU (Central Processing Unit), and may further include a GPU (Graphic Processing Unit) and an NPU (Neural Processing Unit). Note that the above programs may be provided via the Internet or the like, or may be provided stored in a computer-readable storage medium such as a flash memory or a DVD-ROM.

[0033] Storage 12,42 is composed of memory elements such as RAM and flash memory, and external storage devices such as hard disk drives (HDDs) and solid state drives (SSDs). Storage 12,42 stores the above program. Further, Storage 12,42 stores information and calculation results input from Processor 11,41, Communication Unit 13,43, and Input / Output Unit 44.

[0034] Communication Unit 13,43 is a communication interface for communicating with other devices, such as a network interface card. Communication Unit 13,43 is composed of, for example, an integrated circuit, an antenna, a communication terminal, etc. that realize wireless LAN or wired LAN. Communication Unit 13,43 may be connected to a communication network. Communication Unit 13,43 operates based on the control of Processor 11,41 respectively. Communication Unit 13 inputs information received from other devices to Processor 11 or Storage 12, and transmits information to other devices. Communication Unit 43 inputs information received from other devices to Processor 41 or Storage 42, and transmits information to other devices.

[0035] Input / Output Unit 44 includes input devices such as a touch panel, a keyboard, a pointing device, a microphone, etc., and output devices such as a display panel, a speaker, etc. Input / Output Unit 44 may include a device (e.g., a USB port) for inputting and outputting data with an external device including an input device or an output device.

[0036] Note that the hardware configurations of Messaging System 1, Account Management System 2, Electronic Money System 3, and Terminal 4 are not limited to the above examples. For example, these systems may include a device for reading a computer-readable information storage medium (e.g., an optical disk drive or a memory card slot), and a device for inputting and outputting data with an external device (e.g., a USB port). The external device may be an input device or an output device.

[0037] Next, the functions provided by the information processing system will be described. FIG. 2 is a block diagram showing the functions realized by the information processing system. Functionally, the information processing system includes a message presentation unit 51, a registration determination unit 52, a registration management unit 53, a money transfer management unit 55, a receipt management unit 56, a privilege granting unit 57, a privilege activation unit 58, a scheduled receipt merge unit 59, an account database 61, a balance database 62, and a scheduled receipt database 63. The message presentation unit 51 is realized when the processor 11 of the server 10 constituting the messaging system 1 executes a program stored in the storage 12 corresponding to its function and controls the communication unit 13 and the like. The registration determination unit 52, the registration management unit 53, and the account database 61 are realized when the processor 11 of the server 10 constituting the account management system 2 executes a program stored in the storage 12 corresponding to its function and controls the communication unit 13 and the like. The money transfer management unit 55, the receipt management unit 56, the privilege granting unit 57, the privilege activation unit 58, the scheduled receipt merge unit 59, the account database 61, the balance database 62, and the scheduled receipt database 63 are realized when the processor 11 of the server 10 constituting the electronic money system 3 executes a program stored in the storage 12 corresponding to its function and controls the communication unit 13 and the like.

[0038] The message presentation unit 51 of the messaging system 1 presents a message to the user who uses the messaging system 1. This message may be sent from some system or may be sent by another user. When the remitter instructs the electronic money system 3 to send a specified amount (transfer amount) of electronic money from the remitter to the payee, the message presentation unit 51 presents information indicating the method of receiving the electronic money (for example, a URL to start the receiving procedure) to the payee. By receiving the electronic money, the sent electronic money is added to the balance, and payment from the balance becomes possible. The presentation of the information indicating the receiving method may be performed not only when an instruction to send electronic money is given but also when the payee requires a receiving operation.

[0039] This presentation is performed by a so-called messaging service. When the message presentation unit 51 of the messaging system 1 transmits information on the receiving method to the terminal 4, the processor 41 that executes the application program of the messaging service receives the information via the communication unit 43. Then, the processor 41 outputs the information to the user of the remittance destination via the input / output unit 44. It can be said that the message presentation unit 51 presents the information to the user by this transmission, or it can be said that the message presentation unit 51 controls the terminal 4 to directly present the information to the user.

[0040] Also, when the receiving operation based on the information indicating the receiving method by the user of the remittance destination is completed and the remittance amount is added to the available balance of the user, the message presentation unit 51 transmits, as a message, information notifying the completion of the receipt to the user of the remittance source.

[0041] The account database 61 of the account management system 2 stores information on the user's account used by the electronic money system 3, specifically, the identification information of the account and one or more attribute information of the user. The account database 61 is mainly composed of the storage 12. The account database 61 may be realized by a database management system realized by the processor 11 executing a database program and the storage 12.

[0042] The registration determination unit 52 of the account management system 2 determines whether a user (for example, the user of the remittance destination) is registered for the electronic money service. More specifically, the registration determination unit 52 determines that the user is registered for the electronic money service when predetermined attribute information is stored in the account database 61 in association with the identification information of the user (strictly speaking, the identification information of the user's account in the messaging system 1 or the electronic money system 3). The predetermined attribute information is specifically a plurality of attribute information required by the electronic money service (for payment).

[0043] When an operation based on the receiving method information is input to the terminal 4 by the recipient user of the account management system 2 and it is determined that the recipient user is not registered for the electronic money service, the registration management unit 53 of the account management system 2 transmits information for registering the recipient user for the electronic money service to the recipient user. The information to be transmitted may be information for registering the user for the electronic money service or information for requesting the designation of another P account in which the attribute information necessary for payment is stored in association therewith.

[0044] Here, the information for registering for the electronic money service may be information for requesting the input of at least a part of a plurality of pieces of attribute information required by the electronic money service. More specifically, the information for registering for the electronic money service may be attribute information (for example, e-mail address, password, user name) that is not registered in the messaging service among the plurality of pieces of attribute information required therefor. Attribute information (for example, telephone number) registered in the messaging service may be stored in advance from the messaging system 1 to the account management system 2. This storage may be at the timing when the user registers for the messaging service.

[0045] Also, when another P account is designated by the recipient user, the registration management unit 53 links the P account with the C account of the user. In this case, the registration management unit 53 causes the receipt-scheduled merge unit 59 to associate the information on the transfer amount stored in association with the light P account with the designated P account. Details of the association of the transfer amount will be described later.

[0046] The balance database 62 of the electronic money system 3 stores the available balance of the users who use the electronic money system 3. The balance database 62 stores in the storage 12 in association with the identification information of the P account and the balance.

[0047] When the remitting user gives an instruction to transfer money to the receiving user in the electronic money system 3, the receiving schedule database 63 of the electronic money system 3 stores in the storage 12 by associating the identification information of the (full) P account of the remitting user, the identification information of the (light or full) P account of the receiving user, the transfer amount, and the reception date of the instruction.

[0048] The transfer management unit 55 of the electronic money system 3 receives an instruction to transfer money from the remitting user to the receiving user (hereinafter also referred to as the "receiving user"). When the P account of the receiving user requires a receiving operation, the transfer management unit 55 stores the transfer amount in the receiving schedule database 63 in association with the receiving user. When the P account of the receiving user does not require a receiving operation, the transfer management unit 55 adds the transfer amount to the balance of the receiving user in the balance database 62.

[0049] The receiving operation includes at least a part of accessing the receiving UI provided by the electronic money system 3, registering the lacking attribute information required for the receiving user to use the electronic money service, and confirming the terms of use of the electronic money service. The cases that require a receiving operation include at least one of the cases where the attribute information required for the electronic money service is not registered for the receiving user and the case where the receiving user has not confirmed the terms of use. Further, the cases that require a receiving operation may further include the case where the receiving user does not desire automatic receipt.

[0050] When the receiving user performs a receiving operation and is registered in the electronic money service by the registration management unit 53, the receiving management unit 56 of the electronic money system 3 adds the transfer amount stored in the receiving schedule database 63 in association with the receiving user to the available balance of the receiving user stored in the balance database 62.

[0051] When the privilege granting unit 57 of the electronic money system 3 registers a remitter user for the electronic money service and acquires an instruction to send electronic money in an amount to be remitted from the remitter user to the recipient user, it grants a privilege with restricted use to the recipient user. The privilege to be granted may be a privilege according to the remittance amount, for example, points obtained by multiplying the remittance amount by a predetermined coefficient.

[0052] When the recipient user is registered for the electronic money service, the privilege activation unit 58 of the electronic money system 3 releases the restriction on the privilege granted to the recipient user and makes the privilege available for use.

[0053] When a new P account different from the P account originally associated with the recipient user's C account is linked, the scheduled receipt merging unit 59 of the electronic money system 3 associates the remittance amount associated with the original P account with the new P account based on an instruction from the registration management unit 53.

[0054] Next, an overview of the operation of the information processing system in the sending and receiving of electronic money will be described. FIG. 3 is a sequence diagram for explaining the operation of the information processing system at the time of sending electronic money. The terminal 4 shown in FIG. 3 is the terminal 4 operated by the remitter user. Here, the terminal 4 is executing an application program that provides a messaging service. Also, the user interface and communication for accessing the account management system 2 and the electronic money system 3 are provided by a so-called mini-app that operates within the application program. The mini-app operates by a kind of program described in HTML format. The messaging system 1 may distribute HTML or the like corresponding to the program of the mini-app to the terminal 4, or the account management system 2 and the electronic money system 3 may distribute HTML or the like to the terminal 4 when necessary.

[0055] First, the remitter operates the terminal 4 to specify the recipient's account, and the remittance procedure is started. FIG. 4 is a diagram showing an example of a messaging service screen. FIG. 4 and other screens shown below are displayed on the screen of the terminal 4. FIG. 4 is a screen that displays a message with the recipient user, "Suzuki Hanako", and on this screen, a button 81 for starting the remittance procedure is displayed. When the remitter user presses this button 81, the remittance procedure is started.

[0056] When the remittance procedure is started, the terminal 4, via the mini-app, transmits a token including the remitter's C account (hereinafter simply referred to as the "remitter's C account") to the account management system 2. The token is a kind of authentication information for authenticating the user of the C account. In response, the registration determination unit 52 of the account management system 2 transmits an access token to the electronic money system 3, which includes the P account associated with the remitter's C account, to the terminal 4. Although not shown in FIG. 3, here the terminal 4 may use the access token to inquire about the balance of the remitter user from the electronic money system 3 and obtain the value of the balance.

[0057] Also, the terminal 4, via the mini-app, acquires the recipient's C account and inquires the account management system 2 about the P account corresponding to the recipient's C account. In response, the registration determination unit 52 of the account management system 2 returns the recipient user's P account to the terminal 4. This P account may be a full P account or a light P account. It does not matter if payment cannot be made from the balance with this P account.

[0058] Here, the terminal 4 obtains the transfer amount from the user to the recipient user through the mini app. FIG. 5 is a diagram showing an example of a screen for setting the transfer amount, and the balance of the user who is the sender is also displayed on the screen. In the example of FIG. 5, the terminal 4 obtains the transfer amount to the recipient user and the message to that user, which are input by the user. When the button 82 is pressed by the user and a final instruction is input from the user on a confirmation screen (not shown), a transfer instruction is sent from the terminal 4 to the electronic money system 3.

[0059] The transfer instruction includes the sender's P account, the recipient's P account, and the transfer amount, and is an instruction to transfer money from the sender user to the recipient user. The transfer management unit 55 of the electronic money system 3 receives the transfer instruction. Then, the transfer management unit 55 determines whether the recipient user's P account can be received without a receiving operation. The transfer management unit 55 may determine that the P account can be received without a receiving operation when the recipient's P account is a full P account and the usage agreement of the electronic money system 3 has been confirmed. In addition to the above conditions, the transfer management unit 55 may also determine that it can be received when the condition that information indicating that the recipient user desires to receive without a receiving operation in advance is stored is satisfied.

[0060] When it is determined that it can be received, the transfer management unit 55 adds the transfer amount to the balance stored in the balance database 62 in association with the recipient's P account. Also, the transfer management unit 55 requests the messaging system 1 to send a message indicating that the transfer to the recipient user has been completed. Note that this request for message transmission may be realized by the transfer management unit 55 requesting the terminal 4 to send a message, and the terminal 4 that has received the request instructing the message presentation unit 51 of the messaging system 1 to send the message. The message presentation unit 51 presents the message to the recipient user upon receiving this request.

[0061] FIG. 6 is a diagram showing an example of a message presented to the recipient, and is a diagram showing an example of a message presented when it is determined that the message can be received. In the example of FIG. 6, as the message, a sentence indicating that the electronic money has been received, a sentence input by the sender user, and a link 91 that can confirm the transfer are presented.

[0062] On the other hand, when it is determined that the message cannot be received, the transfer management unit 55 adds transfer information including the transfer ID, the sender's P account, the recipient's P account, and the transfer amount to the reception scheduled database 63.

[0063] FIG. 7 is a diagram showing an example of the transfer information stored in the reception scheduled database 63. In the reception scheduled database 63, transfer information for each of a plurality of recipient P accounts is stored. In the example of FIG. 7, the transfer information includes the reception date in addition to the transfer ID, the sender's P account, the recipient's P account, and the transfer amount. Note that a set of one or more transfer information for a particular recipient P account stored in the reception scheduled database 63 is referred to as a reception scheduled list.

[0064] Also, when it is determined that the message cannot be received, the transfer management unit 55 requests the messaging system 1 to send a message including information (URL) for starting a reception operation to the recipient user. This request may be realized by the transfer management unit 55 requesting the terminal 4 to send a message, and the terminal 4 receiving the request instructing the message presentation unit 51 of the messaging system 1 to send a message. The message presentation unit 51 causes the terminal 4 to present the message to the recipient user in response to this request. The presentation of the message may be performed by the message presentation unit 51 sending the message to the recipient user's terminal 4 and the terminal 4 displaying the message.

[0065] FIG. 8 is a diagram showing an example of a message presented to the recipient, and is a diagram showing an example of a message presented when it is determined that the message cannot be received. In the example of FIG. 8, as the sent message, a sentence indicating that electronic money has been sent, a sentence input by the user of the sender, and a link 92 to a URL for starting an operation to receive the transfer are presented.

[0066] FIG. 9 is a sequence diagram for explaining the operation of the information processing system at the time of reception. The flow shown in FIG. 9 shows the operation of the information processing system when a message including a URL for starting a reception operation is transmitted in the flow shown in FIG. 3. The terminal 4 shown in FIG. 9 is the terminal 4 operated by the user of the recipient. Similar to that of the sender, the terminal 4 executes an application program that provides a messaging service, and a so-called mini-app operates.

[0067] First, a message including a URL is transmitted from the messaging system 1 to the terminal 4, and the message is presented to the user of the destination (recipient). Then, when the recipient inputs an operation to start receiving by pressing the URL into the terminal 4, the receiving procedure is started.

[0068] When the receiving procedure is started, the terminal 4 that executes the mini-app transmits a token including the C account of the recipient to the account management system 2. The registration determination unit 52 of the account management system 2 first determines whether the attribute information necessary for payment with the electronic money service is registered in the P account of the recipient. This determination may be made based on whether it is a full P account.

[0069] When there are insufficient attributes registered (N), the account management system 2 transmits information for displaying an account modification screen. Here, if the recipient user's P account is a light P account, there are insufficient attributes registered. On the account modification screen, the recipient user can select merging and adding attribute information in order to use the electronic money service with a full P account. In the case of merging, the registration management unit 53 of the account management system 2 acquires another P account of the recipient user entered by the recipient user, merges the information of the light P account into the other P account, and makes the other P account a full P account. In the case of adding attribute information, the necessary attribute information is acquired from the user, and by storing the information in the account database 61, the light P account is upgraded to a full P account. Making this recipient user's P account a full P account is one of the conditions that enables the recipient user to receive the electronic money sent from the remitter and add it to the balance.

[0070] Figure 10 is an example of an account modification screen. In Figure 10, the recipient user's light P account is displayed. Link 93 is selected when instructing merging, and button 83 is selected when instructing adding attribute information.

[0071] For example, when merging is selected by pressing the link 93, the terminal 4 acquires the destination P account input by the receiving user on an input screen (not shown), and transmits an instruction for merging including the P account to the account management system 2. Here, the destination P account for merging is, for example, a P account registered in the electronic money service and not linked to the C account. Then, the registration management unit 53 of the account management system 2 integrates the information of the receiving user's right P account into the destination P account for merging. In this integration, the registration management unit 53 associates the C account associated with the right P account with the destination P account for merging, and sets the attribute information set only for the right P account in the destination P account for merging. Then, an instruction is transmitted to the electronic money system 3 to update the remittance information associated with the receiving user's right P account in the receiving scheduled database 63 so as to be associated with the destination P account for merging. When the merge operation according to the instruction is completed, the registration management unit 53 deletes the right P account.

[0072] The registration management unit 53 may execute the integration process only when the destination P account for merging becomes a full P account. Instead, when the attribute information necessary as a full P account is not registered in the destination P account for merging after integration, the registration management unit 53 may prompt the user to input the missing attribute information and store the input attribute information in the account database 61. The process regarding the input of this attribute information may be the same as the process for adding attribute information. As a result, the P account after integration always becomes a full P account.

[0073] In FIG. 10, for example, when adding attribute information is selected by pressing button 83, terminal 4 obtains additional attribute information input by the receiving user on an input screen (not shown), and transmits the additional attribute information to account management system 2. The registration management unit 53 of account management system 2 stores the received additional attribute information in association with the light P account in account database 61. Thereby, the P account is upgraded to a full P account. The registration management unit 53 may transmit, as information for displaying the input screen, information on a screen for causing the receiving user to input, as additional attribute information, one or more pieces of attribute information that are not registered in the light P account among a plurality of pieces of attribute information necessary for payment from the balance in the electronic money service, to the terminal 4 of the receiving user. The registration management unit 53 may obtain the additional attribute information input thereby. Note that attribute information necessary for using the messaging service is registered in the light P account.

[0074] After the process of merging or adding attribute information is completed, or after it is determined (Y) that sufficient attribute information for payment is registered in the original receiving user's P account, the registration management unit 53 determines whether the receiving user has confirmed the terms and conditions for using the electronic money service. Confirmation of these terms and conditions is one of the conditions for the receiving user to be able to receive the electronic money sent from the remitter. If it is determined that the terms and conditions have not been confirmed (N), the registration management unit 53 transmits information for requesting confirmation of the terms and conditions (for example, information for displaying a terms and conditions confirmation screen) to the terminal 4.

[0075] FIG. 11 is a diagram showing an example of a terms and conditions confirmation screen. When the receiving user performs an operation indicating that the terms and conditions have been confirmed, information indicating that the terms and conditions have been confirmed is transmitted. This operation may be, for example, pressing button 84 after pressing link 94 for displaying the terms and conditions. Note that button 84 may change to a state where it can be pressed only after the terms and conditions are displayed.

[0076] The registration management unit 53 acquires information indicating that the receiving user has confirmed the agreement (agreement confirmation information) from the terminal 4. Here, if it is determined that the agreement has been confirmed (Y), these processes are skipped.

[0077] When the agreement is confirmed through the above processes, the account management system 2 transmits transfer information and an access token to the terminal 4. The transfer information is information for transitioning the screen displayed on the browser from the screen of the account management system 2 to the screen of the electronic money system 3. The access token is, here, information necessary for authenticating the P account to the electronic money system 3, and includes information indicating the receiving user's P account and information indicating that the P account has been authenticated.

[0078] Based on the transfer information, the terminal 4 transmits received information including the receiving user's P account (strictly, the access token for the P account) and the remittance ID to the electronic money system 3. The receiving management unit 56 of the electronic money system 3 receives the received information and acquires remittance information from the remittance scheduled database 63 based on the remittance ID included in the request. The receiving management unit 56 transmits information for displaying a receiving confirmation screen for confirming to the receiving user whether it is possible to execute the receipt of the transferred electronic money based on the remittance information to the terminal 4.

[0079] FIG. 12 is a diagram showing an example of the receiving confirmation screen. On the receiving confirmation screen displayed by the terminal 4, information of the sender user and the remittance amount are displayed. When the receiving user presses the button 85 and instructs to receive the displayed remittance, the terminal 4 transmits a receiving instruction to the electronic money system 3. In the example of FIG. 12, the receiving confirmation screen also includes a field for inputting a message to be sent to the sender user. When a message is input, the terminal 4 may transmit the message information together with the receiving instruction to the electronic money system 3.

[0080] When the receipt management unit 56 receives the receipt instruction, it adds the remittance amount included in the remittance information to the balance of the recipient user. Then, the receipt management unit 56 transmits information indicating the result of the receipt (information for displaying the receipt result screen in FIG. 9) to the terminal 4, and the terminal 4 presents the receipt result to the recipient user.

[0081] 13 is a diagram showing an example of a receipt result screen displayed by terminal 4. The display of this screen marks the end of the receipt-related operations. However, if a message has been entered on the receipt confirmation screen, information is sent from the receipt management unit 56 of the electronic money system 3 to the messaging system 1 or terminal 4 requesting that the message be sent to the remitter. When terminal 4 receives this request, it requests that the message be sent from terminal 4 to the messaging system 1. The receipt management unit 56 may send the requested information together with the information for displaying the receipt result screen.

[0082] Although not shown in Figs. 3 and 9, the electronic money system 3 may grant the restricted privilege to the recipient user after receiving an instruction to remit electronic money. The electronic money system 3 may also remove the restriction on the privilege after the recipient user is registered in the electronic money service. For example, when the remittance management unit 55 adds remittance information to the remittance schedule database 63, the privilege granting unit 57 of the electronic money system 3 may calculate the amount of privilege based on the remittance amount, and store the calculated amount of privilege and information indicating the restriction in the storage 12 in association with the P account of the remittance destination user (receiving user). The privilege may be, for example, points that can be used for payments in electronic commerce or the like. The privilege granting unit 57 may calculate the amount of privilege by multiplying the remittance amount by a predetermined coefficient (for example, a value equal to or less than 1).

[0083] Furthermore, when the benefit validation unit 58 of the electronic money system 3 receives a receipt instruction from a recipient user, it may lift the restriction on the benefit associated with the recipient user's P account, making the benefit available. The benefit validation unit 58 may lift the restriction by updating or deleting information indicating the restriction.

[0084] Hereinafter, the processing of the information processing system related to the transfer of electronic money will be described using a flowchart. FIGS. 14 and 15 are diagrams for explaining the processing when the sender's user performs a transfer procedure. FIG. 14 is a flowchart showing the processing of the account management system 2 related to the transfer. FIG. 15 is a flowchart showing the processing of the electronic money system 3 related to the transfer.

[0085] First, when the sender's user inputs an instruction to start a transfer procedure to the terminal 4, the transfer procedure is started, and the terminal 4 transmits information indicating the sender's C account to the account management system 2. Then, the registration determination unit 52 acquires the transmitted information indicating the sender's C account (S101). The registration determination unit 52 acquires the P account linked to the C account from the account database 61 based on a query including the C account. Here, as described above, the types of P accounts include a full P account in which the attribute information necessary for payment is registered and a light P account that is not. Here, if the P account linked to the sender's C account is not available for payment (for example, it is a light P account) (N in S102), a message indicating that the transfer cannot be made due to the absence of a proper P account is output to the terminal 4 (S103), and the processing related to the transfer is terminated.

[0086] On the other hand, if the P account linked to the sender's C account is available for payment (Y in S102), the registration determination unit 52 generates an access token to the electronic money system 3 indicating the sender's P account and transmits the access token to the terminal 4 (S104). The registration determination unit 52 further acquires the C account of the recipient's user from the terminal 4 (S105). The registration determination unit 52 acquires the P account linked to the C account from the account database 61 based on a query including the recipient's C account (S106). The registration determination unit 52 transmits the recipient's P account to the terminal 4 (S107).

[0087] When the application program of the terminal 4 acquires the recipient's P account, it transmits a remittance instruction including information indicating the sender's P account, the recipient's P account, and the remittance amount to the electronic money system 3. S107 is also a kind of request to cause the terminal 4 to transmit a remittance instruction. The registration determination unit 52 may also transmit at least a part of information indicating whether the recipient's P account is a full P account or a light P account and information indicating whether the recipient user has confirmed the terms of use of the electronic money service in S107, and this transmitted information may be included in the remittance instruction.

[0088] Note that the processing of the account management system 2 in the remittance procedure is not limited to the above. The acquisition of the sender's and recipient's C accounts (S101, S105) may be performed at once. In this case, the registration determination unit 52 may transmit the access token (see S104) and the recipient's P account (see S107) to the terminal 4 at once.

[0089] Also, in the example of FIG. 14, it is assumed that there is always a P account linked to the C account. For example, when there is no linked P account in S106, the registration determination unit 52 may generate a recipient's P account linked to the C account.

[0090] Hereinafter, the processing shown in FIG. 15 will be described. When a remittance instruction is transmitted from the terminal 4, the remittance management unit 55 of the electronic money system 3 receives a remittance instruction including the recipient's P account and the remittance amount (S151). The remittance management unit 55 determines whether attribute information necessary for payment from the balance is registered in the recipient's P account (S152). Here, the remittance management unit 55 may perform this determination based on information indicating whether the recipient is a full P account or a light P account included in the remittance instruction, or may perform this determination based on the result of inquiring the account management system 2 whether the recipient's P account is a full P account or a light P account.

[0091] If the necessary attribute information is registered in the recipient's P account (Y in S152), the remittance management unit 55 determines whether the user indicated by the recipient's P account has confirmed the terms of use of the electronic money service (S153). Here, the remittance management unit 55 may make this determination based on the information indicating whether the terms of use have been confirmed, which is included in the remittance instruction, or may make this determination based on the result of inquiring of the account management system 2 whether the terms of use of the electronic money service have been confirmed in the recipient's P account.

[0092] If the recipient's P account has confirmed the terms of use of the electronic money service (Y in S153), the remittance management unit 55 subtracts the remittance amount from the balance of the sender's P account and adds the remittance amount to the balance of the recipient's P account (S154). In this case, since the recipient user does not need to perform a receiving operation, it is possible to automatically add the remittance amount to the available balance. Further, the remittance management unit 55 causes the messaging system 1 to transmit a message to the recipient indicating that the remittance amount has been sent and added to the balance (S155). In this process, the remittance management unit 55 may request the terminal 4 to transmit the message by transmitting information indicating that the remittance amount has been sent and added to the balance to the terminal 4, or may directly instruct the messaging system 1 to transmit the message.

[0093] Here, if the necessary attribute information is not registered in the recipient's P account (N in S152), or if the recipient's P account has not confirmed the terms of use (N in S153), the processes below S156 for causing the recipient user to perform an operation to receive the sent electronic money are executed.

[0094] In S156, the remittance management unit 55 subtracts the remittance amount from the balance of the sender's P account, associates it with the recipient's P account, and stores the remittance information in the receiving-scheduled database 63 (S156). Here, the remittance information includes a remittance ID for identifying the remittance information, the sender's P account, the remittance amount, and the remittance reception date (current date). Also, the privilege granting unit 57 determines the amount of the privilege based on the remittance amount and grants that privilege to the recipient user (S157). This privilege is restricted from being used until the sent electronic money is received. Also, the privilege granting unit 57 stores the amount of the privilege in the storage 12 in association with the remittance information when granting the privilege. This privilege gives an incentive for the recipient user to register for the electronic money service.

[0095] After that, the remittance management unit 55 causes the messaging system 1 to transmit a message to the recipient that includes a link 92 for starting the receiving operation of the sent electronic money (S158). In this process, the remittance management unit 55 may request the terminal 4 to transmit the message by transmitting information including the link 92 for starting the receiving operation to the terminal 4, or may directly instruct the messaging system 1 to transmit the message. The message may include at least one of text indicating that a receiving operation is required and text input by the sender user.

[0096] S152 and S153 are processes for determining whether the recipient user can make a payment from the balance and are also processes for determining whether a receiving operation for the sent electronic money is required. Note that in addition to the above conditions, the remittance management unit 55 determines that the P account can be received without a receiving operation when the condition that the recipient user desires to receive without a receiving operation in advance and a flag indicating that desire is stored in association with the P account is satisfied, and may execute the processes after S154. Also, the remittance management unit 55 may execute the processes after S156 when any of the above conditions and the condition that the flag indicating the desire is stored in association with the P account are not satisfied.

[0097] Hereinafter, the processing of the information processing system for receiving electronic money will be described using a flowchart. FIGS. 16 and 17 are diagrams for explaining the processing when the receiving user receives the transferred electronic money. FIG. 16 is a flowchart showing the processing of the account management system 2 related to reception. FIG. 17 is a flowchart showing the processing of the electronic money system 3 related to reception. These figures describe the processing when the message shown in S158 is transmitted and the receiving user, that is, the receiving user, performs a receiving operation.

[0098] First, when the receiving user presses the link 92 in the message on the terminal 4, the terminal 4 transmits information indicating the receiving user's C account to the account management system 2. Then, the registration management unit 53 acquires information indicating the receiving user's C account from the terminal 4 (S201). The information indicating the C account may be the identification information of the C account or a token previously issued to the terminal 4 by the account management system 2.

[0099] The registration management unit 53 acquires the P account associated with the receiving user's C account from the account database 61. The registration management unit 53 determines whether the necessary attribute information for paying electronic money is registered in the acquired P account (whether the P account is a full P account) (S202).

[0100] If the necessary attribute information is not registered (N in S202), the registration management unit 53 transmits information for modifying the P account (information for displaying an account modification screen) to the receiving user's terminal 4 (S203). The information for modifying the P account may include information for selecting whether to input additional attribute information or merge with another existing P account.

[0101] The registration management unit 53 acquires, from the terminal 4, an instruction regarding account modification input by the receiving user. The registration management unit 53 determines whether the instruction acquired from the receiving user includes an instruction to add attribute information (S204). If it includes an instruction to add attribute information (Y in S204), the registration management unit 53 may transmit to the terminal 4 information for displaying an input screen including items of additional attribute information. Here, the registration management unit 53 may acquire, from the account database 61, one or more items of attribute information that are not registered in the receiving user's Lite P account among a plurality of pieces of attribute information necessary for payment from the balance in the electronic money service, and transmit information for displaying an input screen including those items as items of additional attribute information. Note that items of additional attribute information may be set in advance, and the registration management unit 53 may transmit it as information for displaying an input screen including those items, or may distribute in advance to the terminal 4 a program in which those items are set. Also, inputs corresponding to the screen for modifying the P account and the input screen may be made by the receiving user at once. In this case, the information for modifying the P account may include items of additional attribute information. In this case, the instruction acquired in S204 may include additional attribute information.

[0102] When the receiving user inputs additional attribute information to the terminal 4, the registration management unit 53 acquires the additional attribute information from the terminal 4 and registers the attribute information in the receiving user's P account (S205). Then, the processes after S208 are executed.

[0103] If the instruction acquired from the receiving user in S204 does not include an instruction to add attribute information, in other words, if it includes an instruction to merge (N in S204), the registration management unit 53 acquires, from the terminal 4 of the receiving user, another existing P account to be the merge target (S206). Then, the registration management unit 53 merges the information associated with the Lite P account linked to the C account into the other existing P account (S207).

[0104] In this merge, the registration management unit 53 executes four processes. In the first process, the registration management unit 53 merges the attribute information stored in the account database 61, which is associated with the linked Lite P account, into other existing P accounts. In the second process, the registration management unit 53 causes the incoming schedule merge unit 59 of the electronic money system 3 to associate the remittance information stored in the incoming schedule database 63 with the Lite P account with other existing P accounts. Also, in the second process, the registration management unit 53 causes the benefits stored in the incoming schedule merge unit 59 in association with the Lite P account to be associated with other existing P accounts. In the third process, the registration management unit 53 links the C account of the receiving user with other existing P accounts. When storing the C account to be linked as the attribute information of the P account, the third process and the first process may be performed together. In the fourth process, the registration management unit 53 deletes the Lite P account that was previously linked to the C account. Since the essence of the second process is performed in the electronic money system 3, it can be said that the process of S207 is carried out in cooperation between the registration management unit 53 and the incoming schedule merge unit 59.

[0105] When it is determined that the necessary attribute information has been registered in S202 (Y in S202), or after the processes of S205 or S207 have been executed, the registration management unit 53 determines whether the receiving user has confirmed the terms of use (S208). Here, the registration management unit 53 may execute this determination based on the information indicating whether the terms of use have been confirmed, which is stored in association with the P account of the receiving user.

[0106] If the terms of use have not been confirmed (N in S208), the registration management unit 53 transmits information requesting confirmation of the terms of use to the terminal 4 of the receiving user and acquires confirmation-completed information (S209). In the request for confirmation, the registration management unit 53 transmits information including the terms of use to the terminal 4, and the terminal 4 displays a screen for confirming the terms of use. Also, the confirmation-completed information is transmitted from the terminal 4 when an input indicating that the receiving user has confirmed the terms of use is made. If the terms of use have been confirmed (Y in S208), S209 is skipped.

[0107] Then, the registration management unit 53 controls to transmit the received information to the electronic money system 3 (S210). In S210, the registration management unit 53 may transmit information (for example, transfer information) for causing the terminal 4 to transmit received information including the P account of the receiving user and a transfer ID for identifying the transfer information to the terminal 4. Also, the registration management unit 53 may obtain the transfer ID from the terminal 4 in S201 and directly transmit the received information to the electronic money system 3. In this case, the response from the electronic money system 3 may be relayed to the terminal 4.

[0108] In FIG. 17, the processing of the electronic money system 3 will be described. The receiving management unit 56 of the electronic money system 3 receives the received information (S251). The receiving management unit 56 determines whether there is transfer information that is not received and is specified by the transfer ID included in the received information and the P account from the receiving schedule database 63 (S252). If there is no transfer information (N in S252), the receiving management unit 56 outputs an error message (not shown) to the terminal 4, and the processing in FIG. 17 ends.

[0109] If there is transfer information (Y in S252), the receiving management unit 56 transmits information for causing the receiving user to display a receiving confirmation screen to the receiving user (S253). The information for causing the receiving confirmation screen to be displayed may include information indicating the user of the remitter, the transfer amount, and information indicating the receiving deadline. The receiving deadline may be calculated based on the reception date and the receiving period, or may be stored in advance in the receiving schedule database 63.

[0110] Then, the receipt management unit 56 waits until a receipt instruction is acquired from the terminal 4 (S254). When the receipt instruction is acquired, the receipt management unit 56 adds the remittance amount included in the remittance information to the balance of the receiving user, associates the balance with the P account of the receiving user, and stores it in the balance database 62 (S255). Then, the receipt management unit 56 transmits information for displaying a receipt result screen to the terminal 4 of the receiving user (S256). At the same time, the receipt management unit 56 transmits information requesting the terminal 4 to transmit a receipt completion message to the remitter's user via the messaging system 1 (S257). This information to be requested may be directly transmitted to the messaging system 1.

[0111] Also, the privilege activation unit 58 of the electronic money system 3 is associated with the remittance information and releases the restrictions on the privileges granted to the receiving user (S258). The receiving user can utilize the privilege only after receiving the remitted electronic money. By making this an incentive, the receiving of the receiving user can be made more certain.

[0112] Note that the embodiments of the present invention are not limited to the above. In the embodiments described so far, when a C account is registered in the messaging system 1, a light P account linked to the account management system 2 was registered, but this may not be done. When the P account linked to the remittee's user cannot be acquired, the remittance management unit 55 may associate the remittance information with the C account and store it in the database 63 of the scheduled receipt. The privilege may also be stored in association with the C account. Also, instead of the process of S202 in FIG. 16, a process of determining whether there is a P account linked to the C account of the receiving account is performed, and in S205 and S207, the attribute information, scheduled receipt, and privilege stored in association with the C account may be used instead of the attribute information, scheduled receipt, and privilege of the light P account.

Explanation of Signs

[0113] 1 Messaging system, 2 Account management system, 3 Electronic money system, 4 Terminal, 10 Server, 11, 41 Processor, 12, 42 Storage, 13, 43 Communication unit, 44 Input / output unit, 51 Message display unit, 52 Registration determination unit, 53 Registration management unit, 55 Remittance management unit, 56 Receipt management unit, 57 Privilege granting unit, 58 Privilege activation unit, 59 Scheduled receipt merge unit, 61 Account database, 62 Balance database, 63 Scheduled receipt database, 81, 82, 83, 84, 85 Button, 91, 92, 93, 94 Link.

Claims

1. An information processing system that provides a linked service that operates in cooperation with an electronic money service that manages electronic money to a first user and a second user, a presentation means for presenting a method of receiving the electronic money to the second user when the first user is registered in the electronic money service and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a determination means for determining that the second user is registered with the electronic money service when a plurality of pieces of attribute information required by the electronic money service are stored in association with the second user; a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. Information processing system.

2. 2. The information processing system according to claim 1, the linking service is a messaging service; the presentation means, when the first user is registered in the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user, transmits information including a method of receiving the electronic money as a message from the first user to the second user. Information processing system.

3. 3. The information processing system according to claim 2, when the remittance amount is added to the balance of electronic money available to the second user, the presenting means transmits, via the messaging service, information notifying the first user of the completion of receipt of the electronic money by the second user as a message to the first user. Information processing system.

4. 2. The information processing system according to claim 1, When the second user is registered with the electronic money service, the remittance amount is added to the second user's available electronic money balance without the second user presenting a method for receiving the electronic money. Information processing system.

5. 2. The information processing system according to claim 1, When the second user inputs an operation based on the receiving method and it is determined that the second user is not registered with the electronic money service, the registration management means transmits, to the second user, information requesting the second user to input at least a part of the plurality of pieces of attribute information required by the electronic money service. Information processing system.

6. 6. The information processing system according to claim 5, When an operation based on the receiving method is input from the second user and it is determined that the second user is not registered with the electronic money service, the registration management means transmits to the second user information requesting the input of attribute information that is not registered in the linked service, among the plurality of pieces of attribute information required by the electronic money service. Information processing system.

7. An information processing system that provides a linked service that operates in cooperation with an electronic money service that manages electronic money to a first user and a second user, a presentation means for presenting a method of receiving the electronic money to the second user when the first user is registered in the electronic money service and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of electronic money available to the second user; In the linked service, the first user and the second user are identified by a first account; In the electronic money service, the first user and the second user are identified by a second account different from the first account; The first account and the second account of the first user are stored in association with each other; When an operation based on the receiving method is input from the second user and it is determined that the second user is not registered with the electronic money service, the registration management means transmits information to the second user requesting the input of attribute information required by the electronic money service or the designation of another second account to which the attribute information is associated and stored, When the second user designates the other second account, the registration management means links the first account of the second user with the other second account. Information processing system.

8. 8. The information processing system according to claim 7, When an instruction to send the remittance amount of electronic money is given, the second account of the second user and the remittance amount are stored in association with each other; When the first account of the second user and the other second account are linked, the registration management means associates the remittance amount associated with the second account of the second user with the other second account. Information processing system.

9. An information processing system that provides a linked service that operates in cooperation with an electronic money service that manages electronic money to a first user and a second user, a presentation means for presenting a method of receiving the electronic money to the second user when the first user is registered in the electronic money service and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; a reward granting means for granting a reward, the use of which is restricted, to the second user when the first user is registered in the electronic money service and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a restriction release means for releasing a restriction on the benefit granted to the second user when the second user is registered with the electronic money service based on the information; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. Information processing system.

10. 10. The information processing system according to claim 9, the reward granting means, when the first user is registered in the electronic money service and an instruction is given to send a remittance amount of electronic money from the first user to the second user, grants the second user a reward corresponding to the remittance amount, the use of which is restricted. Information processing system.

11. a presenting means, when the first user is registered in an electronic money service that operates in cooperation with an integrated service that provides an integrated service to a first user and a second user, and an instruction is given to send an amount of electronic money from the first user to the second user, presenting a method of receiving the electronic money to the second user; a determination step of determining that the second user is registered with the electronic money service when a plurality of pieces of attribute information required by the electronic money service are stored in association with the second user; a registration management means, when an operation based on the receiving method is input from the second user and the second user is not registered with the electronic money service, transmitting information to the second user for registration with the electronic money service; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. Information processing methods.

12. a presenting means, when the first user is registered in an electronic money service that operates in cooperation with an integrated service that provides an integrated service to a first user and a second user, and an instruction is given to send an amount of electronic money from the first user to the second user, presenting a method of receiving the electronic money to the second user; a registration management means, when an operation based on the receiving method is input from the second user and the second user is not registered with the electronic money service, transmitting information to the second user for registration with the electronic money service; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of electronic money available to the second user; In the linked service, the first user and the second user are identified by a first account; In the electronic money service, the first user and the second user are identified by a second account different from the first account; The first account and the second account of the first user are stored in association with each other; the registration management means, when it is determined that an operation based on the receiving method is input from the second user and the second user is not registered with the electronic money service, transmits to the second user information requesting the input of attribute information required by the electronic money service or the designation of another second account to which the attribute information is associated and stored; the registration management means, when the second user designates the other second account, links the first account of the second user with the other second account; Information processing methods.

13. a presenting means, when the first user is registered in an electronic money service that operates in cooperation with an integrated service that provides an integrated service to a first user and a second user, and an instruction is given to send an amount of electronic money from the first user to the second user, presenting a method of receiving the electronic money to the second user; a registration management means, when an operation based on the receiving method is input from the second user and the second user is not registered with the electronic money service, transmitting information to the second user for registration with the electronic money service; a reward granting means granting a reward, the use of which is restricted, to the second user when the first user is registered in the electronic money service and an instruction is given to send electronic money of a remittance amount from the first user to the second user; a restriction lifting means for lifting the restriction on the benefit granted to the second user when the second user is registered with the electronic money service based on the information; Including, When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. Information processing methods.

14. a presentation means for presenting to the second user a method of receiving the electronic money when the first user is registered in an electronic money service that operates in cooperation with a linked service that provides a linked service to a first user and a second user and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a determination means for determining that the second user is registered with the electronic money service when a plurality of pieces of attribute information required by the electronic money service are stored in association with the second user; and a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; The computer functions as When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. program.

15. a presentation means for presenting a method of receiving the electronic money to the second user when the first user is registered in an electronic money service that operates in cooperation with a linkage service that provides a linkage service to a first user and a second user and an instruction is given from the first user to send a remittance amount of electronic money to the second user; and a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; The computer functions as When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of electronic money available to the second user; In the linked service, the first user and the second user are identified by a first account; In the electronic money service, the first user and the second user are identified by a second account different from the first account; The first account and the second account of the first user are stored in association with each other; When an operation based on the receiving method is input from the second user and it is determined that the second user is not registered with the electronic money service, the registration management means transmits information to the second user requesting the input of attribute information required by the electronic money service or the designation of another second account to which the attribute information is associated and stored, When the second user designates the other second account, the registration management means links the first account of the second user with the other second account. program.

16. a presentation means for presenting to the second user a method of receiving the electronic money when the first user is registered in an electronic money service that operates in cooperation with a linked service that provides a linked service to a first user and a second user and an instruction is given from the first user to send the remittance amount of electronic money to the second user; a registration management means for transmitting information for registering the second user with the electronic money service to the second user when the second user inputs an operation based on the receiving method and the second user is not registered with the electronic money service; a reward granting means for granting a reward, the use of which is restricted, to the second user when the first user is registered in the electronic money service and an instruction is given to send the remittance amount of electronic money from the first user to the second user; and a restriction release means for releasing a restriction on the benefit granted to the second user when the second user is registered with the electronic money service based on the information; The computer functions as When the second user is registered with the electronic money service based on the information, the remittance amount is added to the balance of available electronic money of the second user. program.

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