Information processing device, information processing method, and program

Abstract

To improve user convenience. [Solution] An information processing device for an electronic payment service that works in conjunction with the bank server of a bank where a user's salary is deposited, when the bank server deposits a user's salary into the user's virtual account linked to the user's identification information for the electronic payment service on a date specified by the salary payer, the information processing device obtains notification of deposit information regarding the user's identification information and the amount deposited from the bank server, and in response to the notification, deposits part or all of the deposited salary into the salary wallet of the user's identification information managed by the electronic payment service.

Description

[Technical Field]

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

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

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

[0004] In the past, user convenience was not sufficiently considered, which resulted in poor user convenience.

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

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

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

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

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

[0010] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve user convenience. [Brief explanation of the drawings]

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

[0012] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device hardware (the cloud server provider) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity different from the operator of the electronic payment service. In such a case, when making a payment for a purchase at a virtual store, the user may be controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0013] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system that provides an electronic payment service. The electronic payment service is realized primarily around a payment server 100. The electronic payment system that provides the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment source server 80, the payment server 100, a first bank server 200, a second bank server 300, and one or more service servers 400. These devices communicate with each other via a network NW, for example. The network NW includes, for example, the Internet, a local area network (LAN), a wireless base station, a provider device, and the like. Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device.

[0014] The payment source server 80, the first bank server 200, the second bank server 300, and the service server 400 are realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). The payment source server 80, the first bank server 200, the second bank server 300, and the service server 400 may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware.

[0015] [User terminal device] The user terminal device 10 is a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU, etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with a payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store and controls the camera, communication device, touch panel, etc. In the user terminal device 10, a mini app 30 operating within the payment app 20 is available. The mini app 30 cooperates with, for example, a corresponding service server 400 to provide services to users.

[0016] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0017] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

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

[0019] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

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

[0021] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

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

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

[0024] [Payment server functional configuration] FIG. 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provider unit 120, a payment processing unit 130, an information management unit 140, a payroll processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (hard disk drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

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

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

[0027] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0028] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0029] [User information] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as an email address, user ID, name, address, date of birth, registration date, wallet information 180 (each wallet's charge balance), credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). The email address, name, address, and date of birth are also information that can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

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

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

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

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

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

[0035] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "Credit card payment (Credit card payment using code information)" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, and allows electronic payments within the credit card payment limit, independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full for one month on the payment date of the following month, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the payment date of the following month, or requests the operator of the credit card company to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment application 20.

[0036] [Payroll Service] The payroll processing unit 150 executes various processes related to salary. For example, the payroll processing unit 150 transfers salary to a salary wallet (described later) or to a specified bank account. These processes will be described in detail later.

[0037] [First bank server] The first bank server 200 is a server device of the first bank. The first bank server 200 transfers the salary to the user's virtual account based on instructions from the payment source server 80. Specifically, the first bank server 200 deposits the salary into a bank account of the electronic payment service, and then deposits the salary into the user's virtual account linked to the bank account.

[0038] [Second bank server] The second bank server 300 is a server device of the second bank. Based on instructions from the payment server 100, the second bank server 300 transfers salary and the like to the user's bank account at the second bank.

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

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

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

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

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

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

[0045] [Payroll processing on the payment server] As described above, when a salary is remitted to the first bank server 200, the first bank server 200 notifies the payment server 100. The notification includes information such as the amount of the salary, the identification information of the user related to the salary, and information indicating that the salary has been remitted.

[0046] [Processing for transferring funds from virtual account to salary wallet] The payroll processing unit 150 of the payment server 100 cooperates with the first bank server 200 of the first bank where the user's salary is deposited. When the first bank server 200 deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the payroll processing unit 150 obtains a notification of deposit information regarding the user's identification information and the amount of the deposit from the first bank server 200. In response to the notification, the payroll processing unit 150 deposits part or all of the deposited salary into the salary wallet associated with the user's identification information managed by the electronic payment service.

[0047] For example, when a user's salary is deposited into a virtual account of the user linked to the user's identification information of the electronic payment service, the payment server 100 deposits electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service. The payment server 100 deposits some or all of the electronic money in the intermediate wallet into a salary wallet associated with the user's identification information managed by the electronic payment service. For example, when a deposit is made into the intermediate wallet, the payment server 100 may notify the user of information indicating that the salary has been deposited. The notification may be made via the payment app 20.

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

[0049] The payroll processing unit 150 executes a process for depositing another portion of the deposited salary into a bank account associated with the user's identification information. The bank account is a bank account managed by the second bank server 300. The deposit process is, for example, the payroll processing unit 150 instructing the second bank server 300 to deposit the specified bank account with all or part of the salary, and causing the second bank server 300 to deposit the money into the bank account.

[0050] For example, processing is performed using the intermediate wallet as follows: In response to the above notification, the payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, deposits the electronic money in the intermediate wallet into the salary wallet, and deposits it into a bank account at a second bank associated with the user's identification information. For example, when the payment server 100 deposits electronic money corresponding to the salary into the intermediate wallet, it deposits a portion of the deposited electronic money into the salary wallet associated with the user's identification information, which is managed by the electronic payment service. The payment server 100 executes processing to deposit all or a portion of the remaining deposited salary into the bank account associated with the user's identification information.

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

[0052] [Transfer to wallet, bank account] The payment server 100 deposits part or all of the salary so that the balance in the salary wallet satisfies the condition of being below the threshold, and executes processing to deposit the portion of the salary that exceeds the threshold in the salary wallet into the bank account at the second bank.

[0053] The payment server 100 deposits electronic money according to the salary into the intermediate wallet, deposits the electronic money from the intermediate wallet into the salary wallet, deposits it into the bank account (bank account) of the second bank associated with the user's identification information, and deposits the electronic money from the salary wallet into the bank account (bank account of the remittance information 182) of the third bank that is the pre-set remittance destination.

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

[0055] A salary wallet is a wallet dedicated to remitted salary. A regular wallet is a wallet into which electronic money remitted as a source of funds other than salary is deposited. A salary wallet has a set upper limit (e.g., 200,000 yen). A regular wallet also has a set upper limit (e.g., 800,000 yen). A maximum limit (e.g., 1 million yen) may be set for the total of the amount deposited into the salary wallet and the amount deposited into the regular wallet, and a maximum limit (200,000 yen) may also be set for the salary wallet. In the following example, we will explain the case where the maximum limit for the salary wallet is 200,000 yen and the maximum limit for the regular wallet is 800,000 yen.

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

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

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

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

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

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

[0062] Furthermore, the payment server 100 may collect log information of the salary wallet information for a predetermined period of time instead of each time the contents of the salary wallet are updated, and provide the log information to the insurance server at a predetermined timing. For example, by receiving the log information, the insurance company of the insurance server may guarantee the electronic money in the salary wallet as long as it is within the upper limit.

[0063] As described above, the payment server 100 can guarantee the electronic money equivalent to the salary by applying insurance, which allows the user to use the salary receiving service in the electronic payment service with peace of mind.

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

[0065] Next, the payment application 20 deposits the amount of the salary deposited into the virtual account into the intermediate wallet (S104). Next, the payment server 100 calculates the amount that can be deposited into the salary wallet and deposits the calculated amount into the salary wallet (S106). As mentioned above, the depositable amount is the amount in the salary wallet that is 200,000 yen or less. Next, the payment server 100 transfers the excess amount of the salary, which is the amount other than the deposited amount, to the user's bank account in the second bank server 300 (S106). When this process is performed, the second bank server 300 or the payment server 100 notifies the first bank server 200 of the amount of the excess amount transferred. Furthermore, the payment server 100 notifies the first bank server 200 of the amount of electronic money transferred to the salary wallet. As a result, the first bank server 200 recognizes that part of the salary amount in the bank account of the electronic payment service has been deposited into the bank account of the second bank and the other part has been transferred to the salary wallet, and settles the transaction in the bank account of the electronic payment service (the user's virtual account).

[0066] As described above, the electronic payment service can provide users with a salary receipt service. Users can receive their salary through the electronic payment service, which improves user convenience.

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

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

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

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

[0071] Electronic money is automatically transferred to the above-mentioned destinations on a specified date. For example, on a specified date, it is used to repay a credit card company, repay a loan, deposit money into a specified account, pay insurance premiums, purchase specified securities or other financial products, make deposits, charge a user's account, deposit money into a specified person's bank account, or purchase a pre-set voucher.

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

[0073] If the electronic money in the salary wallet is insufficient for remittance, the settlement server 100 may use the regular wallet to remit to the remittance destination. This allows for more reliable remittance to the remittance destination.

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

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

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

[0077] First, the payment server 100 determines whether the user has operated the payment app 20 to apply for salary receipt using an electronic payment service (S200). If the above operation has been performed, the payment server 100 determines whether the acquired user identification information and user information 172 have undergone eKYC (electronic Know Your Customer; identity verification) (S202). The user information 172 associates the user's identification information with information indicating whether eKYC has been completed. If eKYC has not been completed, the payment server 100 provides the payment app 20 with an interface screen for performing eKYC and performs eKYC processing. eKYC is a process of verifying identity based on images of identification documents and the user's appearance provided via a network.

[0078] If eKYC has been completed, the payment server 100 performs a wallet check to determine whether the requirements are met (S204). Specifically, the payment server 100 determines whether the amount charged to the user's regular wallet meets the conditions. The conditions include, for example, that the charged amount is equal to or less than a predetermined amount. The predetermined amount is, for example, the wallet's upper limit or a set amount, such as 1 million yen or 800,000 yen. The predetermined amount is the amount set so that a salary wallet can be deposited when a salary is set and salary is transferred.

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

[0080] If the wallet check requirements are met, the payment server 100 generates a salary wallet (S208). Next, the payment server 100 provides various contents to the payment app 20 (S210). The various contents are, for example, contents related to salary receipt services. For example, the contents may include information indicating that a set amount of salary will be deposited into the salary wallet and the remainder will be deposited into an autosweep bank account (a bank account at a second bank), or information indicating that remittance can be made from the salary wallet to a specified service on a specified date (scheduled remittance date) as described in FIG. 15. The name on the autosweep bank account must be the same as the name on the eKYC account described above. The payment server 100 determines this identity. A bank account under a different name may be registered as the autosweep bank account.

[0081] Next, the payment server 100 displays an interface screen for setting up biometric authentication on the display unit of the user terminal device 10, and prompts the user to set up biometric authentication (S212). Biometric authentication is any authentication such as fingerprint authentication or face authentication. Thereafter, when the user uses the salary receiving service, the payment server 100 provides the service if the biometric authentication is successful.

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

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

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

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

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

[0087] For example, in response to the deposit, the payment server 100 displays an interface screen including the amount of salary deposited into the salary wallet, information on the autosweep bank account, and the like (see FIGS. 19 and 20).

[0088] [Interface screen (1)] The payment server 100 displays an interface screen related to salary receipt on the display unit of the user terminal device 10. FIG. 19 is a diagram showing interface screen IM2. Interface screen IM2 includes, for example, information indicating the amount of salary received each month, the amount deposited into the salary wallet, and the amount deposited into the autosweep bank account. By referring to interface screen IM2, the user can check the monthly breakdown of salary receipt (breakdown for each specified period).

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

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

[0091] In addition to the two wallets mentioned above, wallets may also include a points wallet loaded with points and a specific wallet for electronic money that cannot be transferred to a bank account. Electronic money that cannot be transferred to a bank account is electronic money deposited by a method other than a bank account, such as a credit card or a specified service. Users can use a preferred wallet from among the multiple wallets mentioned above. Use of the points wallet and the specific wallet may be given priority over use of other wallets.

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

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

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

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

[0096] [Interface screen (4)] For example, when a user performs an operation to determine a remittance destination through remittance processing (standing instruction), the payment server 100 displays the interface screen shown in Figure 22 on the display unit. Interface screen IM6 is a list of remittance destinations. After the user determines the remittance destination, the payment server 100 accepts input of the remittance amount on interface screen IM7, which is displayed on the display unit by the payment server 100. Furthermore, the payment server 100 displays on the display unit a calendar interface screen IM8, which accepts setting of the remittance date. Once the remittance date is set on the calendar, the payment server 100 sets a standing instruction and executes the set standing instruction at the set timing.

[0097] [Interface screen (5)] The payment server 100 displays an interface screen related to salary receipt on the display unit of the user terminal device 10. FIG. 23 is a diagram showing the interface screen IM11. The interface screen IM11 is a screen that is displayed, for example, when remittance is made to a remittance destination by standing instructions. The interface screen IM11 includes information such as the remitted amount and the type of electronic money (wallet type) used for the remittance.

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

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

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

[0101] [Interface screen (7)] When an electronic payment is made, the payment server 100 displays information on the type of wallet used and the amount spent from that type of wallet on the display unit. Figure 25 is an interface screen for the payment completion screen. Interface screen IM13 includes information such as the payment amount of the electronic payment, the type of wallet used for the electronic payment, the amount used, and the payment method. When an electronic payment is made, the user can easily recognize the type of wallet used and the amount spent from the wallet.

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

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

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

Claims

1. An information processing device for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; insuring the salary of said salary wallet to guarantee the salary of said salary wallet; Information processing device.

2. An information processing device for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, Do not deposit the salary into the regular wallet, When a salary is deposited into the salary wallet, insurance is applied to the salary in the salary wallet to guarantee the salary in the salary wallet; Information processing device.

3. An information processing device for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; When electronic payment of the electronic payment service is executed, the electronic payment is executed using electronic money in a wallet designated by the user as a priority between the salary wallet and a regular wallet different from the salary wallet. Information processing device.

4. In response to the notification, immediately deposit part or all of the deposited salary into a salary wallet of the user's identification information managed by the electronic payment service. The information processing device according to claim 1 .

5. In response to the notification, a portion of the deposited salary is deposited into a salary wallet of the user's identification information managed by the electronic payment service. execute a process for depositing another portion of the deposited salary into a bank account associated with the user's identification information; The information processing device according to claim 1 .

6. Depositing a part or all of the salary into the salary wallet so that the balance of the salary wallet satisfies a condition of being equal to or less than a threshold; execute a process to deposit the portion of the salary that exceeds the threshold balance of the salary wallet into the bank account; The information processing device according to claim 5 .

7. updating the insurance coverage based on the updated status of the salary wallet, and applying insurance to the electronic money in the updated salary wallet to guarantee the salary of the salary wallet; 3. The information processing device according to claim 1.

8. In response to the notification, deposit electronic money according to the salary into an intermediate wallet, deposit the electronic money in the intermediate wallet into the salary wallet, and deposit the electronic money into a bank account associated with the user's identification information. The information processing device according to claim 1 .

9. The salary deposited in the salary wallet is transferred to a remittance destination preset by the user. The information processing device according to claim 1 .

10. The computer An information processing method for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, comprising: When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; insuring the salary of said salary wallet to guarantee the salary of said salary wallet; Information processing methods.

11. On the computer, A program to be executed by a computer of an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains from the bank server a notification of deposit information regarding the user's identification information and the amount of deposit; In response to the notification, the system refers to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, and identifies the salary wallet corresponding to the acquired user's identification information; Depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service, Insuring the salary of the salary wallet to guarantee the salary of the salary wallet; program.

12. The computer An information processing method for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, comprising: When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, Do not deposit the salary into the regular wallet, When a salary is deposited into the salary wallet, insurance is applied to the salary in the salary wallet to guarantee the salary in the salary wallet; Information processing methods.

13. On the computer, A program to be executed by a computer of an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains from the bank server a notification of deposit information regarding the user's identification information and the amount of deposit; In response to the notification, the system refers to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, and identifies the salary wallet corresponding to the acquired user's identification information; Depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service, The electronic payment service includes the salary wallet and a regular wallet into which the salary is not deposited, The salary is not deposited into the regular wallet, When a salary is deposited into the salary wallet, insurance is applied to the salary in the salary wallet to guarantee the salary in the salary wallet; program.

14. The computer An information processing method for an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, comprising: When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains a notification of deposit information regarding the user's identification information and the amount of deposit from the bank server; In response to the notification, referring to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, the salary wallet corresponding to the acquired user's identification information is identified; depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service; When electronic payment of the electronic payment service is executed, the electronic payment is executed using electronic money in a wallet designated by the user as a priority between the salary wallet and a regular wallet different from the salary wallet. Information processing methods.

15. On the computer, A program to be executed by a computer of an electronic payment service that cooperates with a bank server of a bank where a salary is deposited, When the bank server deposits the user's salary into the user's virtual account linked to the user's identification information of the electronic payment service on a date designated by the payer of the salary, the bank server obtains from the bank server a notification of deposit information regarding the user's identification information and the amount of deposit; In response to the notification, the system refers to correspondence information in which a salary wallet is associated with each user's identification information stored in a storage unit, and identifies the salary wallet corresponding to the acquired user's identification information; Depositing a part or all of the deposited salary into a salary wallet of the specified user's identification information managed by the electronic payment service, When electronic payment is made using the electronic payment service, the electronic payment is made using electronic money in a wallet designated by the user as a priority between the salary wallet and a regular wallet different from the salary wallet. program.

Images