Information Processing Apparatus, Information Processing Method, Information Processing System, and Program

Abstract

To improve the convenience for users of the service. 【Solution means】 A receiving unit that pre-receives remittance information related to remittance from the user's user terminal device, and when the remittance timing included in the remittance information arrives, refers to the balance of the electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and based on the condition information related to the remittance conditions included in the remittance information, an information processing apparatus comprising a processing unit that remits part or all of the balance of the electronic money in the wallet to a preset bank account.

Description

Technical Field

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

Background Art

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

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, the convenience of service users has sometimes been low. For example, the utilization of electronic money managed by an electronic payment service in cooperation with other services has sometimes not been sufficiently considered.

[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, an information processing system, and a program that can improve the convenience of service users.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing apparatus including a reception unit that pre-receives remittance information related to remittance from a user's user terminal device, and when the remittance timing included in the remittance information arrives, refers to the balance of electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and based on the condition information related to the remittance conditions included in the remittance information, transfers a part or all of the balance of the electronic money in the wallet to a preset bank account.

Effect of the Invention

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

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Figure 15

Embodiments for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the information processing apparatus, information processing method, information processing system, and program of the present invention will be described. Various apparatuses such as "servers" that appear below 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 conducts the operation may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A 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, at the time of settlement for shopping in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly carried out between the user and the franchise. Alternatively, processing such as settlement may be carried out between the user and the store.

[0010] [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 the 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 payment server 100, and a bank server 200. 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.

[0011] 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. For example, some or all of the functional configurations of the payment server 100 may be included in other devices.

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

[0013] [First store terminal device] The first store terminal device 50 is installed in a store, for example. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

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

[0015] [Settlement server] The settlement server 100 realizes electronic settlement based on the settlement information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise store server. In that case, the settlement information is transmitted from the POS device to the settlement server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that the settlement information is transmitted from the first store terminal device 50.

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

[0017] 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 payment application 20 is activated decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information that can identify the store to the domain of the electronic payment service, and is associated with a franchise store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the franchise store ID and the store ID corresponding to the store URL, obtains information on the franchise store name and the store name (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen where the franchise store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and the store name may be included and displayed on the payment completion screen.

[0018] 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 for issuing 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 holds (presents) the display surface of the user terminal device 10 in front of 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 the one-time code, the payment amount, the franchise store ID, the 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).

[0019] 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.

[0020] [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, an information processing unit 150, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), and SOC (System On Chip), or may be realized by the cooperation of 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. The information management unit 140 is an example of a "reception unit". The information processing unit 150 is an example of a "processing unit".

[0021] The storage unit 170 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. Information such as user information 172, content information 174, franchise / store information 176, and remittance information 178 (details will be described later) is stored in the storage unit 170.

[0022] 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.

[0023] 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 or the second store terminal device 70. The content providing unit 120 appropriately reads out 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-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides information necessary for generating the content to the payment application 20.

[0024] 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.

[0025] [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, remaining charge amount (remaining electronic money in the wallet), credit payment setting, credit payment limit, used credit payment amount, available credit payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, and information regarding the reserved state of electronic money (for example, the amount of reserved electronic money) which will be described in detail later. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of the phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can 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) to which these pieces of information are associated is referred to as an account.

[0026] The remaining charge amount is information indicating the remaining amount of electronic money set by the user's prior transfer to the account. As means of transfer, there are transfers from the ATM (Automatic Teller Machine) of a designated operator (bank), transfers from a registered bank account, etc. The credit payment setting is information indicating whether the setting for electronic settlement by credit payment 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, and 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 credit payment will be described later. The settlement method setting is setting information indicating whether the user performs electronic settlement using the remaining charge amount or performs settlement by credit payment at that time. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can receive deposits for the electronic settlement service. The charge history information is the history of the user's prior transfer to the electronic settlement service to increase the remaining charge amount. The settlement history information is information showing the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was taken, settlement amount, settlement method, etc.) for each settlement.

[0027] [Franchise / store information] Figure 6 is a diagram showing an example of the content of the franchise / store information 176. The franchise / store information 176 includes, for example, a first table 176A in which a franchise ID and a store ID are associated with a store URL, a second table 176B in which a franchise name and a sales amount (described above) are associated with the franchise ID, and a third table 176C in which a store name is associated with the store ID. In addition to these information, the franchise / store information 176 may include information such as the category of the franchise or store, the location of the store, and the settlement pattern.

[0028] [Electronic Payment] When the settlement processing unit 130 acquires settlement information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to acquire the "settlement method setting" of the user. For users whose "settlement method setting" is set to "charge balance", the settlement processing unit 130 performs electronic payment as follows. For example, the settlement 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 store. The item value of the sales amount of the franchise store 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 store and the electronic payment service.

[0029] For users whose "setting information" is set to "credit payment", the settlement processing unit 130 performs electronic payment 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 charge balance within the credit payment limit. 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 direct debit from the 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. When the closing date arrives, the processing for debiting the settlement for the current month to the payment date of the following month as described above is performed, or the operator of the credit card company is requested 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.

[0030] The information management unit 140 acquires information provided by other server devices and terminal devices. Based on the information acquired from the user terminal device 10 and the second store terminal device 70, the information management unit 140 manages user information 172 and 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.

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

[0032] The bank server 200 executes various processes in cooperation with the settlement server 100. The various processes are, for example, a process of transferring part or all of the electronic money in the wallet of the electronic payment service to a bank account in response to a request from the settlement server 100. The bank server 200, for example, deposits the amount of the transfer instruction into the bank account based on the transfer instruction provided by the settlement server 100 and the identification information of the bank account, and deposits the amount deposited into the bank account into the destination account based on the identification information of the destination account provided by the settlement server 100.

[0033] [Overview] In the present embodiment, the settlement server 100 supports effectively utilizing the remaining charge balance by automatically transferring the remaining charge balance that has been inadvertently retained to a predetermined remittance destination, thereby improving the convenience for the user.

[0034] FIG. 7 is a diagram for explaining the outline of the process. When electronic money that is not planned to be used is charged to the wallet of the electronic payment service, the electronic money is retained in the electronic payment service at the set remittance timing. Retention means a state in which it is being processed and not appropriated for other transactions (not available for the user to use). The settlement server 100 transfers the amount corresponding to the retained electronic money to a remittance destination, which is another service such as a bank account.

[0035] For example, the payment server 100 pre-receives remittance information 178 regarding a money transfer from the user terminal device 10. When the remittance timing included in the remittance information 178 arrives, the payment server 100 refers to the remaining charge balance of the user managed in the electronic payment service at the remittance timing, and based on the condition information regarding the remittance conditions included in the remittance information 178, transfers part or all of the remaining charge balance of the wallet of the electronic payment service to a preset bank account.

[0036] FIG. 8 is a diagram showing an example of the remittance information 178. The remittance information 178 is information generated based on the information input by the user operating the payment application 20. The payment server 100 acquires the above information from the payment application 20 and generates the remittance information 178. The content of the remittance information 178 can be appropriately changed by the user via the payment application 20. Also, the user can open a remittance destination bank account using the payment application 20 or a mini-application of the bank included in the payment application 20.

[0037] The remittance information 178 in FIG. 8 is the remittance information of a certain user. The remittance information 178 is, for example, information in which the remittance destination information, the remittance date (reference date), and the remittance conditions are associated. The remittance destination information is the remittance destination to which the electronic money is transferred. The remittance destination is, for example, a bank account. The remittance destination may be another remittance destination (a remittance destination other than a bank account) instead of (or in addition to) a bank account. In this case, the payment server 100 performs processing in cooperation with the service server of the remittance destination instead of the bank server 200. The remittance date (reference date) is the date and time when the remittance is made, etc. The remittance date can be any day such as every ○ day of the week or the last day of the month.

[0038] The remittance condition is a condition that serves as a reference for the remittance amount when transferring the remaining balance of the electronic money in the wallet. The remittance condition is, for example, transferring all of the remaining balance, transferring a predetermined amount (such as an upper limit amount of 5,000 yen), transferring a predetermined percentage (such as 80%) of the remaining balance, leaving a predetermined amount in the remaining charge balance and transferring the remaining amount, etc.

[0039] The settlement server 100 receives a remittance condition (condition information) which is a specified amount, an upper limit amount, or a remaining balance that the user wishes to leave in the wallet, and performs a remittance based on the remittance condition. When the remittance condition is the remaining balance that the user wishes to leave in the wallet, the settlement server 100 leaves the remaining balance that the user wishes to leave in the wallet out of the balance at the remittance timing, and remits the rest to the bank account. Thereby, the user can effectively utilize the charged balance by automatically remitting the charged balance that has been left unintentionally to the bank.

[0040] [Flowchart] FIG. 9 is a flowchart showing an example of the flow of processing executed by the settlement server 100 and the bank server 200. First, the settlement server 100 receives remittance information 178 in response to an operation of the settlement application 20 (S100). Next, the settlement server 100 determines whether it is the remittance timing specified in the remittance information 178 (S102). The remittance timing is, for example, a specific time of a reference date.

[0041] If it is the remittance timing, the settlement server 100 checks the charged balance (S104). The settlement server 100 identifies the amount of electronic money to be withheld based on the remittance information 178, and withholds the identified electronic money (S106).

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

[0043] The bank server 200 executes a deposit process in response to a transfer instruction (S200). The bank server 200 transfers and deposits electronic money into the user's bank account. The remitter at this time is the electronic payment service. When the settlement app 20 includes a mini app of the bank service that is linked to the bank, the bank server 200 may be linked to the mini app and cause the mini app to display on the display unit of the user terminal device that the transfer has been made.

[0044] The bank server 200 transmits a telegram response to the settlement server 100 (S202). In the case of a transfer error, the settlement server 100 is notified of the error. When the transfer is successful, the telegram response may be omitted. The settlement server 100 settles the reserved electronic money (S110). Settlement means subtracting the reserved electronic money and finalizing the process. For example, when it is determined that the transfer is successful, such as when an error notification is not received within a predetermined period, the settlement server 100 executes the process of S110. In the case of a transfer error, the reserved electronic money is returned to the user's charge balance. Thereby, the processing of one routine of this flowchart ends.

[0045] In addition, in S104, when the charge balance is zero, the settlement server 100 may notify the user terminal device 10 that the money transfer process cannot be executed without executing the subsequent processes. When the transfer amount for the money transfer condition is insufficient in the charge balance, the settlement server 100 may notify that the money transfer process cannot be executed as described above, or may execute a process of transferring an amount other than the insufficient transfer amount.

[0046] As described above, the settlement server 100 can support the effective utilization of electronic money by automatically transferring the electronic money with the remaining recharge balance that has been inadvertently retained to the remittance destination. For example, there may be a situation where electronic money received by auto-recharge or transferred electronic money is inadvertently held and retained. For example, when using an electronic service and making an electronic payment using the credit payment of the settlement app 20 without using the remaining recharge balance, the retention of the remaining recharge balance may be unintentional. In such cases, it may be desired to transfer such electronic money with no planned use to the remittance destination. However, it is cumbersome for the user to perform the operation to transfer it.

[0047] In this embodiment, as described above, the electronic money that has been inadvertently retained can be automatically transferred to the remittance destination without relying on the user's operation. For example, the electronic money can be transferred to the bank account of a partner bank. As a result, the user can accumulate and manage funds in the bank account. This improves the convenience for the user.

[0048] [Interface Screen] As described above, after the settlement server 100 transmits an instruction to transfer part or all of the remaining recharge balance to a preset bank account to the bank, part or all of the remaining recharge balance is placed in a reserved state where it is reserved and cannot be used for the electronic payment service. When the transfer is successful, the settlement server 100 releases the reserved state of part or all of the reserved remaining recharge balance and settles it.

[0049] When in the hold state, the settlement server 100 causes the display unit of the user terminal device 10 to display information indicating that the hold state in which electronic money cannot be used in the electronic payment service. FIG. 10 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. When in the hold state where the electronic money is on hold, the interface screen IM1 is displayed on the display unit. The interface screen IM1 includes, for example, the hold state (during money transfer) and the amount of the held electronic money. When the hold state is released, the interface screen IM2 is displayed on the display unit. The interface screen IM2 includes, for example, information indicating the transferred amount and the completion of the money transfer.

[0050] As described above, the settlement server 100 causes the display unit to display an interface screen so that the user can confirm the held state (state where the money transfer is being executed) and the state where the held electronic money has been settled (state where the money transfer is completed). As a result, the user can recognize the situation of the electronic money in the state held from the charge balance without being transferred to the recipient, and the situation where the money transfer is completed. This improves the convenience for the user.

[0051] [Other methods] In the above, the recipient is described as a bank account as an example. Instead of (in addition to) this, the recipient may be a target account associated with the bank account as in [Other method (1)] and [Other method (2)] described later. The transfer information 178 may include information on a target account for a different purpose associated with the bank account. The settlement server 100 may transfer part or all of the charge balance of the wallet to the target account for each purpose.

[0052] [Other method (1)] The settlement server 100 transmits instruction information including the identification information of the bank account and the identification information of the target account to the bank of the bank account to transfer part or all of the charge balance of the wallet to the target account. The target account is an account for each purpose (use) associated with the bank account. For example, it is an account in which funds corresponding to the use purpose such as food expenses, savings, travel, and entertainment are managed.

[0053] FIG. 11 is a diagram for explaining the outline of another method (1). The settlement server 100 transmits a transfer instruction including the identification information of the destination account to the bank server 200. The bank server 200 transfers electronic money to the destination account corresponding to the identification information of the destination account.

[0054] The user can create a destination account by operating the settlement application 20. FIG. 12 is a diagram for explaining the creation of the destination account. The user operates the settlement application 20 (or the bank's mini-application) to perform various inputs for creating a destination account on a predetermined interface screen. The settlement application 20 communicates with the bank server 200 via the settlement server 100 or, and transmits information corresponding to the various inputs to the bank server 200. The information corresponding to the various inputs includes a request for a creation request of the destination account and information such as the purpose of the destination account. The bank server 200 generates a destination account and provides the identification information of the destination account to the settlement application 20 by communicating with the settlement application 20 via the settlement server 100 or. Thereby, a destination account is generated at the bank. The identification information of the destination account is identification information associated with the identification information of the bank account body. For example, a plurality of destination accounts may be generated for the bank account body. In this case, the identification information of each of the plurality of destination accounts is associated with the identification information of the bank account body of the transfer information 178. In addition, a label (for example, for savings or for travel) indicating the purpose of the destination account may be assigned to the identification information of the destination account of the transfer information 178, and the information of this label may be displayed on the display unit.

[0055] As described above, the user can easily generate a destination account by using the settlement application 20. The user can set the transfer information 178 for each of a plurality of destination accounts by using the settlement application 20. For example, transfer conditions such as transferring 5,000 yen to the destination account A and 3,000 yen to the destination account B, and transfer timing can be set.

[0056] In the above example, it was described that the user operates the payment application 20 (or the bank's mini-application) to create a target account on a predetermined interface screen. Instead of this, the user may create a target account by using the services provided by the bank. The services provided by the bank are, for example, the bank's application or web service. In this case, the user operates the payment application 20 and directly inputs the information of the created target account as the remittance destination. Or, the services provided by the bank and the electronic payment service (payment server 100 or payment application 20) cooperate, and the information of the user's target account is acquired from the services provided by the bank. The specifiable account information that is the remittance destination obtained as described above is presented to the user via the payment application 20. Thus, for example, even when the bank and the payment service are not the same company or affiliated companies, the user can easily create a bank account and remit money to the bank account or the target-specific account.

[0057] [Flowchart] FIG. 13 is a flowchart showing another example of the flow of processing executed by the payment server 100 and the bank server 200. The processing from S100 to S106 is the same as the processing with the same step numbers in FIG. 9. After the processing of S106, the payment server 100 transmits a transfer instruction including the identification information of the target account to the remittance destination of the remittance information 178 (S109). The transfer instruction includes, for example, the account number (identification information) of the bank account body.

[0058] The bank server 200 executes a deposit process in response to the transfer instruction (S200). The bank server 200 transfers electronic money to the user's bank account body and deposits the electronic money transferred to the bank account body into the target account based on the identification information of the above target account. The bank server 200 transmits a telegram response to the payment server 100 (S202). The payment server 100 settles the reserved electronic money (S110). Thereby, the processing of one routine of this flowchart is completed.

[0059] As described above, since the settlement server 100 can easily and automatically transfer money to the destination account, the convenience for users is improved.

[0060] Also, when the transfer information 178 includes information on a plurality of destination accounts for different purposes associated with the bank account and transfer conditions for each destination account, the settlement server 100 can transfer part or all of the remaining recharge balance of the wallet of the electronic payment service to each of the plurality of destination accounts based on the corresponding condition information for each. In this way, since transfers are made to each of the plurality of destination accounts of the bank account body in a single transfer process, the convenience for users is improved. For example, when a fee or the like is charged for the transfer process, it is possible to make a transfer with the fee suppressed.

[0061] The bank server 200 in the above method has the following functional configuration. The bank server 200 acquires the identification information of the user's bank account, the identification information of the destination account associated with the bank account, and a transfer instruction from the settlement server 100, and after transferring the amount of the transfer instruction to the bank account of the identification information of the bank account based on the transfer instruction, transfers the amount of the bank account to the destination account of the identification information of the destination account. In this way, the bank server 200 can improve the convenience for users by depositing money into the destination account using the identification information of each account acquired from the settlement server 100.

[0062] [Another method (2)] In the above method (1), it was described that the identification information of the destination account is included in the transfer instruction. In method (2), the transfer instruction to the bank account and the deposit instruction to the destination account are transmitted to the bank server 200 separately (at different timings). The settlement server 100 transmits the identification information of the bank account to the bank of the bank account and transfers part or all of the remaining recharge balance of the wallet to a preset bank account. Thereafter, the settlement server 100 transmits the identification information of the destination account to the bank of the bank account and transfers a deposit corresponding to the remaining recharge balance of the wallet transferred to the bank account to a preset destination account.

[0063] FIG. 14 is a diagram for explaining the outline of another method (2). The settlement server 100 transmits a transfer instruction to the bank account to the bank server 200. The bank server 200 performs a deposit process in response to the transfer instruction and transfers the electronic money to the bank account. A telegraphic response of the bank transfer is transmitted to the settlement server 100. The settlement server 100 requests the bank server 200 to perform a transfer process of transferring from the bank account main body to the destination account. At this time, the settlement server 100 transmits the identification information of the user's bank account main body (or the identification information of the bank of the user's bank account main body) and the identification information of the destination account to the bank server 200. The bank server 200 executes an internal account transfer process of remitting to the destination account corresponding to the identification information of the destination account from the bank account main body in response to the request. For example, by using another method (2), even in a bank that does not perform a transfer to a destination account from the outside like another method (1), it is possible to remit to the destination account.

[0064] [Flowchart] FIG. 15 is a flowchart showing another example of the processing flow executed by the settlement server 100 and the bank server 200. The processes from S100 to S106 are the same processes as the processes with the same step numbers in FIGS. 9 and 13. After the process of S106, the settlement server 100 transmits a transfer instruction to the bank server 200 which is the remittance destination of the remittance information 178 (S108). The bank server 200 executes a deposit process in response to the transfer instruction (S200). The bank server 200 deposits the electronic money into the user's bank account. The bank server 200 transmits a telegraphic response to the settlement server 100 (S202).

[0065] Next, the settlement server 100 transmits the identification information of the destination account of the remittance information 178 to the bank server 200 (S109#). The bank server 200 executes an intra-account transfer process of transferring from the bank account body to the destination account according to the identification information of the destination account (S204). The bank server 200 transmits a telegram response to the settlement server 100 (S206). An electronic response may be transmitted to the settlement server 100 even when an error occurs in the intra-account transfer process. The settlement server 100 settles the reserved electronic money (S110). Thus, the processing of one routine of this flowchart is completed.

[0066] In the above processing, there are (A) a state during the remittance process, (B) a state where the remittance process to the bank account body is completed and the transfer to the destination account is in progress (transfer not yet executed), and (C) a state where the transfer has been executed (state of processing completion). The settlement server 100 may display information corresponding to the state of the processing on the display unit of the user terminal device 10, and when the state of the processing changes, display information corresponding to the changed state on the display unit.

[0067] In the above processing, when the settlement server 100 issues a transfer instruction to the bank server 200, in cooperation with the settlement application 20, (A) it causes the information in the state during the remittance process to be displayed on the display unit. When the settlement server 100 remits electronic money to the user's bank account, in cooperation with the settlement application 20, (B) it causes the information in the state where the remittance process to the bank account body is completed and the transfer to the destination account is in progress (transfer not yet executed) to be displayed on the display unit. When the intra-account transfer process is completed, the settlement server 100 (C) causes the information in the state where the transfer has been executed to be displayed on the display unit.

[0068] In this way, since information corresponding to the state of remittance or transfer is provided to the user, the user can easily recognize the status of their assets. For example, when the electronic money subtracted from the recharge balance has not been added to the destination account, the above state information is provided to the user, improving the convenience for the user.

[0069] In each of the above methods, the amount subtracted from the remaining charge and the balance of the bank account or the destination account added by the transfer may be displayed in parallel on the display unit. For example, the transferred amount "30,000 yen" may be displayed near the area indicating the amount of the remaining charge, and the amount "30,000 yen" added to the destination account may be displayed in parallel with this display. Thereby, the user can easily recognize that a predetermined amount of the remaining charge has been transferred and added to the destination account.

[0070] As described above, since the settlement server 100 can easily and automatically transfer money to the destination account, the convenience for the user is improved.

[0071] The bank server 200 in the above method has the following functional configuration. The bank server 200 acquires the identification information of the user's bank account and the transfer instruction to the bank account from the settlement server 100, makes a transfer corresponding to the transfer instruction to the bank account of the identification information of the bank account based on the transfer instruction, and then acquires the identification information of the destination account associated with the user's bank account and the transfer instruction to the destination account from the settlement server 100, and transfers the deposit transferred to the bank account to the destination account of the identification information of the destination account based on the transfer instruction. In this way, the bank server 200 can improve the convenience for the user by depositing money into the destination account using the identification information of each account acquired from the settlement server 100.

[0072] In the above process, the type of electronic money for the electronic payment service was not considered, but the type of electronic money may be considered and the transfer process may be performed. The settlement server 100 accepts one or both of the first electronic money and the second electronic money from the user terminal device 10 (or the payment application 20) as the electronic money to be transferred. The settlement server 100 determines the electronic money to be transferred based on the received result. For example, when the user sets the first electronic money among the remaining charges as the transfer target and sets the second electronic money as not the transfer target, the first electronic money is transferred to the bank account, and the second electronic money is not transferred.

[0073] For example, the first electronic money is the electronic money charged to the charge balance as a salary, and the second electronic money is the electronic money other than the salary. The first electronic money and the second electronic money are electronic money that cannot be transferred to each other. When the user receives the salary as the first electronic money, the user can set the first electronic money as the transfer target. In this case, by setting the transfer timing immediately after the salary date, a part or all of the electronic money that is the salary is automatically transferred to the bank account. As a result, the user can manage the salary more appropriately.

[0074] According to the other embodiments described above, the settlement server 100 receives in advance the transfer information regarding the transfer from the user terminal device 10, and when the transfer timing included in the transfer information arrives, refers to the remaining balance (charge balance) of the electronic money in the user's wallet managed by the electronic settlement service at the transfer timing, and transfers a part or all of the remaining balance of the electronic money in the wallet to a preset bank account based on the condition information regarding the transfer conditions included in the transfer information, thereby improving the convenience of the service users.

[0075] As described above, the embodiments for implementing 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 Reference Numerals

[0076] 10 User terminal device 20 Settlement application 100 Settlement server 120 Content providing unit 130 Settlement processing unit 140 Information management unit 150 Information processing unit 200 Bank server

Claims

1. a reception unit for receiving remittance information relating to remittance in advance from a user's user terminal device; When the remittance timing included in the remittance information arrives, refer to the balance of electronic money in the user's wallet managed by the electronic settlement service at the time of the remittance; a processing unit for transferring a part or all of the balance of electronic money in the wallet to a preset bank account based on condition information on remittance conditions included in the remittance information, The remittance information includes information on a destination account for each purpose associated with the bank account, The processing unit includes: Sending an identification of the bank account to the bank of the bank account to transfer a part or all of the balance of electronic money in the wallet to a pre-established bank account; and transmitting identification information of the destination account to the bank of the bank account, transferring a deposit corresponding to a part or all of the balance of the electronic money in the wallet transferred to the bank account to a preset destination account, and transferring a part or all of the balance of the electronic money in the wallet to the destination account for the purpose; Information processing device.

2. The processing unit includes: sending identification information of the target account to the bank of the bank account in response to receiving a response message of the transfer to the bank account sent by the bank; The information processing device according to claim 1 .

3. The processing unit: When a part or all of the balance of electronic money in the wallet is transferred to a preset bank account, displaying information on a display unit of the user terminal device indicating that the electronic money is in the process of being transferred, When the identification information of the destination account is transmitted to the bank of the bank account, displaying information on the display unit of the user terminal device indicating that the remittance to the bank account body has been completed and that the transfer to the destination account is being carried out; When the transfer is completed, display information indicating that the transfer has been completed on a display unit of the user terminal device. The information processing device according to claim 1 .

4. The processing unit: when the identification information of the target account is sent to the bank of the bank account in response to receiving the electronic response of the transfer to the bank account sent by the bank, displaying information on the display unit of the user terminal device indicating that the transfer to the bank account has been completed and that the transfer to the target account is being carried out; The information processing device according to claim 3 .

5. The reception unit receives the condition information, which is a designated amount, an upper limit amount, or a balance to be left in the wallet, from the user terminal device, The processing unit performs the remittance based on the condition information. The information processing device according to claim 1 .

6. If the condition information is a balance that a user wishes to leave in the wallet, The processing unit keeps a desired balance of the balance at the time of remittance in the wallet, and remits the remaining balance to the bank account. The information processing device according to claim 5 .

7. The remittance information includes information on a plurality of destination accounts linked to the bank account, and remittance conditions for each of the destination accounts; the processing unit transfers a part or all of the balance of electronic money in the wallet to each of a plurality of destination accounts based on the condition information corresponding to each of the destination accounts; The information processing device according to claim 5 .

8. The processing unit includes: After sending an instruction to transfer a part or all of the balance of electronic money in the wallet to a preset bank account, A part or all of the balance of electronic money in the wallet is reserved and made unavailable for use in the electronic payment service. If the remittance is successful, the reserved state of a part or the whole of the reserved electronic money balance is released and the electronic money is settled. The information processing device according to claim 1 .

9. The processing unit includes: If the electronic money is in the reserved state, displaying information on a display unit of the user terminal device indicating that the electronic money is in a reserved state and cannot be used in the electronic payment service. The information processing device according to claim 8.

10. The electronic money includes a first electronic money which is a salary and a second electronic money which is different from the salary, the reception unit receives one or both of the first electronic money and the second electronic money from the user terminal device as electronic money to be remitted; The processing unit determines electronic money to be remitted based on a result of the reception by the reception unit. The information processing device according to claim 1 .

11. An information processing device according to any one of claims 1 to 4; a bank server that deposits the amount of the remittance instruction into the bank account based on the remittance instruction and the identification information of the bank account provided by the information processing device, and deposits the amount deposited into the bank account into the destination account based on the identification information of the destination account provided by the information processing device; An information processing system comprising:

12. The computer Accepting remittance information regarding remittance in advance from the user's user terminal device; When the remittance timing included in the remittance information arrives, refer to the balance of electronic money in the user's wallet managed by the electronic settlement service at the time of the remittance; An information processing method for transferring a part or all of the balance of electronic money in the wallet to a preset bank account based on condition information on remittance conditions included in the remittance information, comprising: The remittance information includes information on a destination account for each purpose associated with the bank account, Sending an identification of the bank account to the bank of the bank account to transfer a part or all of the balance of electronic money in the wallet to a pre-established bank account; and transmitting identification information of the destination account to the bank of the bank account, transferring a deposit corresponding to a part or all of the balance of the electronic money in the wallet transferred to the bank account to a preset destination account, and transferring a part or all of the balance of the electronic money in the wallet to the destination account for the purpose; Information processing methods.

13. On the computer, A process of accepting remittance information regarding remittance in advance from a user terminal device of a user; When the remittance timing included in the remittance information arrives, a process of referring to the balance of electronic money in the user's wallet managed by the electronic settlement service at the remittance timing; and a process of transferring a part or all of the balance of electronic money in the wallet to a preset bank account based on condition information on remittance conditions included in the remittance information, The remittance information includes information on a destination account for each purpose associated with the bank account, sending identification information of said bank account to the bank of said bank account and transferring a part or all of the balance of electronic money in said wallet to a pre-established bank account; and a process of transmitting identification information of the destination account to the bank of the bank account, transferring a deposit corresponding to a part or all of the balance of the electronic money in the wallet transferred to the bank account to a preset destination account, and transferring a part or all of the balance of the electronic money in the wallet to the destination account for the purpose; A program that executes the following.

Images