Information processing device, information processing method, and information processing program

Abstract

To solve the problems in which it cannot be said that a recipient can freely select a method of receiving payment, such as the payment from a payer of a price to the recipient is made by personal remittance with electronic money available to both payer and recipient, and the recipient may be obliged to comply when the payer specifies a type of electronic money to be paid.SOLUTION: An information processing device includes: a receiving unit that receives a price by electronic money by payment processing by a first user who pays the price; a deposit unit that deposits the price into an account of a third party who is neither the first user nor a second user who receives the price; a receiving unit that receives a type of electronic money to receive the price specified by the second user; and a charge unit that charges the price to electronic money of the type specified by the second user. This allows the recipient of the price to freely select a method of receiving the price.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] It is common for people to pay for events such as drinking parties in advance and then later repay the person who paid for them. In addition, payments to people who paid in advance can sometimes be made through person-to-person electronic money transfers using an application. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2010-108177 [Patent Document 2] Patent No. 6790193 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the payment to the person who paid in advance (hereinafter referred to as the "receiver") is often made by person-to-person remittance using electronic money that can be used by both the payer and the receiver, and the receiver is not free to choose how to receive the payment. Even if there are multiple types of electronic money that can be used by both the payer and the receiver, if the payer specifies the type of electronic money to be paid, the receiver often has no choice but to comply.

[0005] Therefore, the present disclosure proposes an information processing device, an information processing method, and an information processing program that allow a recipient of payment to freely select a payment receiving method. [Means for solving the problem]

[0006] According to the present disclosure, an information processing device is provided which is characterized by comprising a receiving unit that receives payment in electronic money through a payment process by a first user who pays the payment, a depositing unit that deposits the payment into an account of a third party that is neither the first user nor the second user who receives the payment, a receiving unit that receives the type of electronic money for receiving the payment specified by the second user, and a charging unit that charges the payment into the type of electronic money specified by the second user.

[0007] Furthermore, according to the present disclosure, there is provided an information processing method characterized in that an information processing device receives the payment in electronic money through a payment process by a first user who pays the payment, deposits the payment into an account of a third party who is neither the first user nor a second user who receives the payment, receives the type of electronic money for receiving the payment specified by the second user, and executes a process to charge the payment to the type of electronic money specified by the second user.

[0008] In addition, according to the present disclosure, there is provided an information processing program that causes an information processing device to execute a process of receiving the payment in electronic money through a payment process by a first user who pays the payment, depositing the payment into an account of a third party who is neither the first user nor a second user who receives the payment, receiving the type of electronic money for receiving the payment specified by the second user, and charging the payment to the type of electronic money specified by the second user. [Effects of the Invention]

[0009] On the one hand, the recipient of the payment is free to choose how they want to receive the payment. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a diagram illustrating an example of the configuration of an information processing system according to an embodiment of the present invention. [Figure 2] 1 is a block diagram showing an example of a functional configuration of an information processing device 100 according to the present embodiment. [Figure 3]FIG. 10 is a diagram illustrating an example of a payment receiving process according to the present embodiment. [Figure 4] FIG. 10 is a diagram showing an example of a price payment screen according to the embodiment. [Figure 5] FIG. 10 is a diagram showing an example of a payment receipt screen according to the embodiment. [Figure 6] 10 is a flowchart showing the flow of a payment receiving process according to the present embodiment. [Figure 7] 1 is a block diagram showing an example of a hardware configuration of an information processing device 100 according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] The present embodiment will be described in detail below with reference to the drawings. In this specification and the drawings, substantially the same components are designated by the same reference numerals, and redundant description will be omitted.

[0012] The explanation will be given in the following order. 1. Embodiment 1.1. System configuration example 1.2. Functional configuration example 1.3. Feature Details 1.4.Functional Flow 2. Hardware configuration example 3. Summary 4.Effects

[0013] <1. Embodiment> <<1.1. System configuration example>> First, an example of the configuration of an information processing system according to this embodiment will be described. FIG. 1 is a diagram showing an example of the configuration of an information processing system according to this embodiment. As shown in FIG. 1, the information processing system includes an information processing device 100, a payer terminal 200, a receiver terminal 300, a financial institution device 400, and electronic payment service devices 500-1 to 500-n (n is an arbitrary integer; hereinafter, collectively referred to as "electronic payment service devices 500"). Furthermore, the information processing device 100, the payer terminal 200, the receiver terminal 300, the financial institution device 400, and the electronic payment service device 500 are connected to each other via a network N so that they can communicate with each other. Note that the network N can be any communication network, whether wired or wireless, such as the Internet.

[0014] The information processing device 100 is managed by a third party (hereinafter, sometimes referred to as an "escrow agent") that guarantees the safety and reliability of transactions such as payment of a price. The information processing device 100 temporarily deposits the price paid by the price payer U-1 into the escrow agent's account (hereinafter, sometimes referred to as an "escrow account"), confirms the method of receipt with the price receiver U-2, and then charges the price into the type of electronic money designated by the price receiver U-2. The information processing device 100 may be a cloud computer device managed by a cloud computing service provider, or may be a distributed computing system consisting of multiple computers. The functional configuration of the information processing device 100 will be described in detail below.

[0015] The payer terminal 200 is a terminal used by the payer U-1. The payer terminal 200 may be a mobile terminal such as a smartphone or tablet PC (Personal Computer), or may be a desktop PC or laptop PC installed in the payer U-1's home or elsewhere. The payer U-1 uses the payer terminal 200 to execute payment processing using, for example, an application provided by the information processing device 100. The application may be an application installed on the payer terminal 200, or a web application on the information processing device 100.

[0016] The receiver terminal 300 is a terminal used by the receiver U-2 of the payment. The receiver terminal 300 may also be a smartphone, a laptop PC, etc. The receiver U-2 uses the receiver terminal 300 to select a payment receiving method, for example, using an application provided by the information processing device 100 or the like.

[0017] The financial institution device 400 is an information processing device managed by the financial institution with which the payer U-1 has a settlement account. Upon receiving a withdrawal instruction from the information processing device 100, the financial institution device 400 withdraws the payment from the settlement account of the payer U-1 and deposits the amount into the escrow account of the information processing device 100.

[0018] The electronic payment service device 500 is an information processing device managed by each provider of electronic payment services. In this embodiment, which electronic payment service device 500 is used depends on the type of electronic money specified by the recipient U-2. When the electronic payment service device 500 that provides the electronic money specified by the recipient U-2 receives a charge instruction from the information processing device 100, it charges the amount to the recipient U-2's electronic money.

[0019] <<1.2. Functional configuration example>> Next, an example of the functional configuration of the information processing device 100 according to this embodiment will be described. Fig. 2 is a block diagram showing an example of the functional configuration of the information processing device 100 according to this embodiment. As shown in Fig. 2, the information processing device 100 according to this embodiment includes a storage unit 110, a receiving unit 120, a depositing unit 130, a receiving unit 140, a charging unit 150, a transmitting unit 160, and a control unit 190.

[0020] (Storage unit 110) The storage unit 110 according to this embodiment is a storage area for temporarily or permanently storing various programs and data. The storage unit 110 may store programs and data for the information processing device 100 to execute various functions. Specifically, for example, the storage unit 110 may store programs and data for controlling deposits and withdrawals to and from an escrow account, programs and data for applications used by the payer U-1 and the receiver U-2 for payment processing and confirmation processing of the receipt method, management data for managing various settings, etc. Of course, the above is merely an example, and the type of data stored in the storage unit 110 is not particularly limited.

[0021] (Receiving section 120) The receiving unit 120 according to this embodiment receives payment in electronic money through payment processing by the payer U-1. The payment processing is, for example, a process in which the payer U-1 inputs the payment amount and payee via an application displayed on the payer terminal 200, and the payment is then withdrawn online from the payment account of the payer U-1.

[0022] (Deposit section 130) The deposit unit 130 according to this embodiment deposits the payment received by the receiving unit 120 into the escrow account of the escrow agent. Note that deposits and withdrawals to the escrow account may be realized by smart contracts on the blockchain. This can improve the safety and reliability of transactions.

[0023] (Receiving unit 140) The receiving unit 140 according to this embodiment receives the type of electronic money for receiving payment, which is specified by the payment recipient U-2. This is, for example, receiving the type of electronic money selected by the payment recipient U-2 via an application displayed on the payment recipient terminal 300.

[0024] The receiving unit 140 also receives, together with or separately from the type of electronic money used to receive the payment, the result of confirmation by the recipient U-2 as to whether the payment received by the receiving unit 120, i.e., the amount of payment paid by the payer U-1, is correct. This also involves receiving the correct or incorrect selection made by the recipient U-2 via an application displayed on the recipient terminal 300, for example.

[0025] (Charging section 150) The charging unit 150 according to this embodiment charges the payment to the type of electronic money designated by the payment recipient U-2. The charging unit 150 may also charge the payment in response to the confirmation by the recipient U-2 that the amount of payment paid by the payer U-1 is correct. This prevents payment of an incorrect amount. Alternatively, the charging unit 150 may simply receive the type of electronic money designated by the payment recipient U-2 to receive the payment, rather than the confirmation result, and therefore determine that the amount of payment is correct, and charge the payment.

[0026] The charging unit 150 can also charge multiple electronic money accounts of the recipient U-2 in installments based on at least one of the charge amount, limit, and rate specified by the recipient U-2. For example, if the payment is 5,000 yen, the charging unit 150 can charge 2,000 yen to electronic money A and 3,000 yen to electronic money B, based on the recipient U-2's specification. The specification by the recipient U-2 may be made in advance via an application displayed on the recipient terminal 300, or may be made together with the specification of the type of electronic money to receive the payment. The limit specified by the recipient U-2 may be the limit for a single charge or the limit for the currently charged amount.

[0027] Furthermore, the charging unit 150 can charge the payment in multiple installments at timings designated by the recipient U-2 or designated in advance. This means that the payment deposited into the escrow account is not charged all at once to the recipient U-2's electronic money, but is instead charged in multiple installments, such as by charging a fixed amount each month. Alternatively, the amount designated by the recipient U-2 may be charged at any timing. Again, different electronic money may be charged for each charge. In this way, the recipient U-2 is not limited to the payment method and amount set by the payer U-1, and can freely specify the method, amount, and timing of receipt to receive payment.

[0028] (Transmitter 160) The transmitting unit 160 according to this embodiment transmits the types of electronic money that can be used by the recipient U-2 to the recipient terminal 300. This allows the recipient U-2 to select the type of electronic money to receive payment via, for example, an application displayed on the recipient terminal 300.

[0029] (control unit 190) The control unit 190 according to this embodiment is a processing unit that controls the entire information processing device 100, and controls each component included in the information processing device 100. The functions of the control unit 190 will be described in detail later.

[0030] An example of the functional configuration of the information processing device 100 according to this embodiment has been described above. Note that the functional configuration described above using FIG. 2 is merely an example, and the functional configuration of the information processing device 100 according to this embodiment is not limited to this example. For example, the information processing device 100 does not necessarily have to include all of the components shown in FIG. 2, and each component, such as the charging unit 150, can be provided in a computer separate from the information processing device 100. Also, for example, the receiving unit 120 and the depositing unit 130 can be combined into a single configuration. The functional configuration of the information processing device 100 according to this embodiment can be flexibly modified according to specifications and operations.

[0031] The functions of each component may be performed by a computing device such as a CPU (Central Processing Unit) reading a control program from a storage medium such as a ROM (Read Only Memory) or RAM (Random Access Memory) that stores a control program describing the processing procedures for realizing these functions, and interpreting and executing the program. Therefore, the configuration used can be changed as appropriate depending on the technical level at the time of implementing this embodiment. An example of the hardware configuration of the information processing device 100 will be described later.

[0032] <<1.3. Feature Details>> Next, the functions of the information processing device 100 according to this embodiment will be described in detail. One of the features of the control unit 190 of the information processing device 100 according to this embodiment is that it receives payment in electronic money from the payer U-1, deposits the payment in an escrow account, and charges the payment to the type of electronic money designated by the receiver U-2.

[0033] Fig. 3 is a diagram showing an example of the payment receipt process according to this embodiment. The process shown in Fig. 3 is based on the premise that the payer terminal 200 and the receiver terminal 300 have installed thereon an application for making and receiving payments, which is provided by the information processing device 100 or the like, or that a web application is available.

[0034] First, the payer U-1 inputs the payment amount, the payee, etc. via the payer terminal 200 and sends a payment request to the information processing device 100. The payment amount, the payee, etc. are input, for example, on the payment screen of the application displayed on the payer terminal 200.

[0035] 4 is a diagram showing an example of a payment screen according to this embodiment. As shown in Fig. 4, the payer U-1 enters the payment amount, payee, etc. into the payment screen and makes the payment by, for example, pressing the "Pay" button.

[0036] The payment amount may be set as the initial value when the payment screen is displayed, and may be the amount invoiced to the payer U-1. In this case, for example, the information processing device 100 receives the amount invoiced to the payer U-1, which was previously input by the receiver U-2, and sets it as the initial value. Similarly, the title may be set as the initial value to a text previously input by the receiver U-2. Furthermore, if the payment amount is set as the initial value, the system may be controlled so that the amount cannot be changed by the payer U-1. This allows the payer U-1 to pay the payment after confirming that the amount invoiced is correct.

[0037] The payer U-1 can also input the mobile phone number of the recipient U-2 as the payee. The mobile phone number may be selected and input by the payer U-1 from the phone book of the payer terminal 200, for example. Using a mobile phone number as the payee makes it easier for the payer U-1 to select a payee and easier for the information processing device 100 to manage the payees. The payee may also be set to the mobile phone number of the recipient U-2 who has requested payment as the default value. In addition to or instead of the mobile phone number, the name of the recipient U-2 or a nickname identifying the recipient U-2 may be displayed. The payer U-1 can also input any wording for the recipient U-2 as a comment.

[0038] Returning to the explanation of FIG. 3, the information processing device 100, which has received a payment request from the payer U-1, transmits a withdrawal instruction for the payment to the financial institution device 400 which holds the settlement account of the payer U-1.

[0039] The financial institution device 400, which has received the instruction to withdraw the payment, withdraws the amount equivalent to the payment from the settlement account 51 of the payer U-1 and deposits it into the escrow account 50 of the escrow agent.

[0040] When the information processing device 100 confirms the deposit into the escrow account 50, it transmits a confirmation of receipt of the payment to the recipient terminal 300. When the recipient terminal 300 receives the confirmation of receipt, it notifies the recipient U-2, who then inputs, for example, the method of receiving the payment as a confirmation result and transmits it to the information processing device 100. The method of receiving, etc. is input, for example, on the payment receipt screen of the application displayed on the recipient terminal 300.

[0041] Fig. 5 is a diagram showing an example of a payment receipt screen according to this embodiment. As shown in Fig. 5, the payment receipt screen displays, for example, the payment amount and the name of the payer U-1 input or set by the payer U-1 or the information processing device 100. The receiver U-2 confirms the payment amount and selects a method of receipt, and receives the payment by, for example, pressing the "Receive" button.

[0042] The receipt method can also display the types of electronic money available to the recipient U-2. Although only one electronic money is selected as the receipt method in the example of FIG. 5, the recipient U-2 can select multiple electronic money and charge each of them in installments. In this case, the recipient U-2 can specify in advance or at the time of receipt how much will be charged to each electronic money via an application displayed on the recipient terminal 300. This specification can be made, for example, by inputting at least one of the charge amount, limit, and percentage for each electronic money.

[0043] The receiver U-2 can also specify the timing of charging the electronic money. For example, instead of charging the entire payment amount at once, the payment amount can be charged in multiple installments at different times. If multiple electronic money options are available, the charging timing can be specified for each electronic money option. The receiver U-2 can also specify the charging timing in advance or at the time of receipt via an application displayed on the receiver terminal 300.

[0044] Returning to the explanation of FIG. 3, when the receiver U-2 inputs the method of receiving the payment, the receiver terminal 300 transmits the method of receiving to the information processing device 100 as a confirmation result.

[0045] Upon receiving the confirmation result, the information processing device 100 transmits a charge instruction for the amount specified by the receiver U-2 to the electronic payment service device 500 that provides the electronic money specified as the receiving method by the receiver U-2. If the timing of charging is specified, the information processing device 100 transmits the charge instruction to the electronic payment service device 500 at the specified timing.

[0046] The financial institution device 400, which has received the charge instruction, charges the specified amount to the electronic money 52 of the recipient U-2.

[0047] <<1.4. Functional Flow>> Next, the procedure of the payment receiving process according to this embodiment will be described with reference to Fig. 6. Fig. 6 is a flowchart showing the flow of the payment receiving process according to this embodiment.

[0048] First, as shown in Fig. 6, the payer U-1 inputs payment information via an application displayed on the payer terminal 200 (step S101). The application is either installed on the payer terminal 200 or a web application on the information processing device 100, and the payer U-1 has already logged in. In other words, the application is in a state where it can identify the payer U-1.

[0049] Next, the payer terminal 200 transmits a payment request together with the payment information input on the price payment screen to the information processing device 100 (step S102).

[0050] Next, if the information processing device 100 has not received a payment request from the payer terminal 200 (step S103: No), it waits for the receipt of the payment request. On the other hand, if the information processing device 100 has received a payment request (step S103: Yes), it sends a withdrawal instruction for the payment to the financial institution device 400 that holds the settlement account of the payer U-1 (step S104).

[0051] Next, if the financial institution device 400 has not received a withdrawal instruction from the information processing device 100 (step S105: No), it waits for receipt of the withdrawal instruction. On the other hand, if a withdrawal instruction has been received (step S105: Yes), the financial institution device 400 withdraws an amount equivalent to the payment from the settlement account of the payer U-1 and deposits it into the escrow account of the escrow agent (step S106).

[0052] Next, if the information processing device 100 cannot confirm the deposit into the escrow account (step S107: No), it waits for the deposit. On the other hand, if the deposit is confirmed (step S107: Yes), the information processing device 100 transmits a receipt confirmation to the receiver terminal 300 (step S108).

[0053] Next, if the receiver terminal 300 has not received a receipt confirmation from the information processing device 100 (step S109: No), it waits for the receipt confirmation. On the other hand, if the receiver terminal 300 has received a receipt confirmation (step S109: Yes), the receiver U-2 confirms the payment amount and the like via the application displayed on the receiver terminal 300 and then inputs the payment method (step S110).

[0054] Next, the receiver terminal 300 transmits the receiving method input on the payment receiving screen to the information processing device 100 (step S111).

[0055] Next, if the information processing device 100 has not received the receiving method from the receiver terminal 300 (step S112: No), it waits to receive the receiving method. On the other hand, if the receiving method has been received (step S112: Yes), the information processing device 100 transmits a charge instruction to the electronic payment service device 500 that provides the electronic money specified as the receiving method (step S113).

[0056] Next, if the electronic payment service apparatus 500 has not received a charge instruction from the information processing device 100 (step S114: No), it waits to receive a charge instruction. On the other hand, if a charge instruction has been received (step S114: Yes), the electronic payment service apparatus 500 charges the payment to the electronic money of the recipient U-2 (step S115). After step S115 is executed, the payment receipt process shown in FIG. 6 ends, but, for example, the information processing device 100 may further receive a charge completion notification from the electronic payment service apparatus 500 and transmit the charge completion notification to the recipient terminal 300.

[0057] <2. Hardware configuration example> Next, an example of the hardware configuration of the information processing device 100 according to this embodiment will be described. FIG. 7 is a block diagram showing an example of the hardware configuration of the information processing device 100 according to this embodiment. Referring to FIG. 7, the information processing device 100 includes, for example, a processor 801, a ROM 802, a RAM 803, a host bus 804, a bridge 805, an external bus 806, an interface 807, an input device 808, an output device 809, a storage 810, a drive 811, a connection port 812, and a communication device 813. Note that the hardware configuration shown here is an example, and some of the components may be omitted. Furthermore, the information processing device 100 may further include components other than those shown here.

[0058] (Processor 801) The processor 801 functions, for example, as an arithmetic processing device or control device, and controls the overall operation of each component or part of it based on various programs recorded in the ROM 802, RAM 803, storage 810, or removable recording medium 901.

[0059] (ROM802, RAM803) The ROM 802 is a means for storing programs to be read into the processor 801, data to be used for calculations, etc. The RAM 803 temporarily or permanently stores, for example, the programs to be read into the processor 801, and various parameters that change as appropriate when the programs are executed.

[0060] (host bus 804, bridge 805, external bus 806, interface 807) The processor 801, ROM 802, and RAM 803 are interconnected via, for example, a host bus 804 capable of high-speed data transmission. On the other hand, the host bus 804 is connected to an external bus 806, which has a relatively low data transmission speed, via, for example, a bridge 805. Furthermore, the external bus 806 is connected to various components via an interface 807.

[0061] (input device 808) Examples of the input device 808 include a mouse, keyboard, touch panel, button, switch, and lever. Furthermore, a remote controller capable of transmitting control signals using infrared rays or other radio waves may also be used as the input device 808. The input device 808 also includes an audio input device such as a microphone.

[0062] (output device 809) The output device 809 is a device capable of visually or audibly notifying the user of acquired information, such as a display device such as a CRT (Cathode Ray Tube), LCD, or organic EL, an audio output device such as a speaker or headphones, a printer, a mobile phone, a facsimile, etc. The output device 809 according to this embodiment also includes various vibration devices capable of outputting tactile stimuli.

[0063] (Storage 810) The storage 810 is a device for storing various types of data. For example, a magnetic storage device such as a hard disk drive (HDD), a semiconductor storage device, an optical storage device, or a magneto-optical storage device may be used as the storage 810.

[0064] (Drive 811) The drive 811 is a device that reads information recorded on a removable recording medium 901 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, or writes information to the removable recording medium 901 .

[0065] (Connection port 812) The connection port 812 is a port for connecting an external device 902, such as a Universal Serial Bus (USB) port, an IEEE1394 port, a Small Computer System Interface (SCSI), an RS-232C port, or an optical audio terminal.

[0066] (Communication device 813) The communication device 813 is a communication device for connecting to a network, such as a communication card for wired or wireless LAN, Bluetooth (registered trademark), or WUSB (Wireless USB), a router for optical communication, a router for ADSL (Asymmetric Digital Subscriber Line), or a modem for various types of communication.

[0067] (Removable recording medium 901) The removable recording medium 901 is, for example, a DVD medium, a Blu-ray (registered trademark) medium, an HD DVD medium, various semiconductor storage media, etc. Of course, the removable recording medium 901 may also be, for example, an IC card equipped with a contactless IC chip, or an electronic device.

[0068] (External connection device 902) The externally connected device 902 is, for example, a printer, a portable music player, a digital camera, a digital video camera, or an IC recorder.

[0069] The memory unit 110 according to this embodiment is realized by the ROM 802, RAM 803, and storage 810. The control unit 190 according to this embodiment, which is realized by the processor 801, reads and executes each control program that realizes the receiving unit 120, the depositing unit 130, the receiving unit 140, the charging unit 150, and the transmitting unit 160 from the ROM 802, RAM 803, etc. The receiving unit 140 according to this embodiment receives data from an external device via the communication device 813, the interface 807, the external bus 806, the bridge 805, and the host bus 804. The transmitting unit 160 according to this embodiment reads data from the ROM 802, RAM 803, etc., and sends the data to the communication device 813 via the host bus 804, the bridge 805, the external bus 806, and the interface 807, thereby transmitting the data to the external device.

[0070] <3. Summary> As described above, the information processing device 100 comprises a receiving unit 120 that receives the payment in electronic money through payment processing by a payer U-1, who is a first user who pays the payment; a depositing unit 130 that deposits the payment into the account of a third party who is neither the first user nor a recipient U-2, who is a second user who receives the payment; a receiving unit 140 that receives the type of electronic money for receiving the payment specified by the second user; and a charging unit 150 that charges the payment into the type of electronic money specified by the second user.

[0071] This allows the recipient of the payment to freely choose how they want to receive the payment.

[0072] Although the preferred embodiments of the present disclosure have been described in detail above with reference to the accompanying drawings, the technical scope of the present disclosure is not limited to such examples. It is clear that a person skilled in the art of the present disclosure can conceive of various modified or altered examples within the scope of the technical idea described in the claims, and it is understood that these also naturally fall within the technical scope of the present disclosure.

[0073] <4. Effects> As described above, the information processing device 100 has the following configuration and can achieve various effects. However, the effects described in this specification are merely descriptive or exemplary and are not limiting. In other words, the technology according to the present disclosure can achieve other effects that will be apparent to those skilled in the art from the description of this specification, in addition to or in place of the above effects.

[0074] (1) The information processing device 100 a receiving unit 120 that receives payment in electronic money through a payment process by a first user who makes payment; a depositing unit 130 that deposits the payment into an account of a third party that is neither the first user nor the second user receiving the payment; a receiving unit 140 for receiving the type of electronic money for receiving payment designated by the second user; a charging unit 150 for charging the amount to electronic money of a type designated by the second user; Equipped with.

[0075] In this way, by using a third-party account that guarantees the safety and reliability of the transaction, the recipient of the payment is not limited by the payment method of the payer and can freely choose how to receive the payment.

[0076] (2) In the information processing device 100, the receiving unit 140 further receives a confirmation result by the second user as to whether the amount of the payment is correct; The charging unit 150 charges the payment in response to the confirmation result indicating that the payment amount is correct.

[0077] This allows the recipient of the payment to receive the payment after confirming that the payment is correct.

[0078] (3) In the information processing device 100, the charging unit 150 charges the amount in response to receiving the type.

[0079] As a result, the information processing device 100 receives the type of electronic money for receiving the payment designated by the payment recipient, and therefore can determine that the payment amount is correct and can charge the payment.

[0080] (4) In the information processing device 100, the charging unit 150 charges the amount in installments to multiple electronic money accounts of the second user based on at least one of the charging amount, limit, and ratio specified by the second user.

[0081] This allows the recipient of the payment to freely specify the payment method and amount and receive the payment without being restricted by the payment method and amount of the payer.

[0082] (5) In the information processing device 100, the charging unit 150 charges the amount in multiple installments at timings designated by the second user or designated in advance.

[0083] This allows the recipient of the payment to freely specify the payment method, amount, and timing without being restricted by the payment method or amount of the payer.

[0084] (6) The information processing device 100 further includes a transmission unit 160 that transmits the types available to the second user to the user terminal used by the second user.

[0085] This allows the recipient of payment to select the type of electronic money with which payment can be received, even if the recipient does not remember the electronic money that he or she can use. [Explanation of symbols]

[0086] 50 Escrow Account 51 Settlement Account 52 Electronic Money 100 Information processing device 110 Storage section 120 Receiving section 130 Deposit Department 140 Receiving unit 150 Charging section 160 Transmitter 190 Control Unit 200 Payer Terminal 300 Recipient terminal 400 Financial institution equipment 500 Electronic payment service device

Claims

1. a receiving unit that receives payment in electronic money through a payment process by a first user who makes payment; a depositing unit that deposits the payment into an account of a third party that is neither the first user nor the second user who receives the payment; a receiving unit that receives the type of electronic money for receiving the payment designated by the second user; a charging unit that charges the amount to the electronic money of the type designated by the second user; Equipped with The charging unit charges the payment for one transaction object corresponding to one transaction by the second user in multiple installments at a timing designated by the second user or designated in advance.

1. An information processing device comprising:

2. The receiving unit further receives a confirmation result by the second user as to whether or not the amount of the payment is correct, 2. The information processing apparatus according to claim 1, wherein the charging unit charges the payment in response to the confirmation result indicating that the payment amount is correct.

3. 2. The information processing apparatus according to claim 1, wherein the charging unit charges the fee in response to receiving the type.

4. The information processing device according to any one of claims 1 to 3, characterized in that the charging unit charges the amount in installments to the second user's multiple electronic money accounts based on at least one of the charging amount, limit, and ratio specified by the second user.

5. 5. The information processing apparatus according to claim 1, further comprising a transmission unit that transmits the types available to the second user to a user terminal used by the second user.

6. The information processing device receiving the payment in electronic money through a payment process by a first user who makes a payment; depositing the payment into an account of a third party that is neither the first user nor the second user receiving the payment; receiving the type of electronic money for receiving the payment designated by the second user; charging the amount to the electronic money of the type designated by the second user; At a timing designated by the second user or designated in advance, the price of one transaction object corresponding to one transaction by the second user is charged in multiple installments. An information processing method characterized by executing processing.

7. In the information processing device, receiving the payment in electronic money through a payment process by a first user who makes a payment; depositing the payment into an account of a third party that is neither the first user nor the second user receiving the payment; receiving the type of electronic money for receiving the payment designated by the second user; charging the amount to the electronic money of the type designated by the second user; At a timing designated by the second user or designated in advance, the price of one transaction object corresponding to one transaction by the second user is charged in multiple installments. An information processing program characterized by causing a process to be executed.

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