Information processing device, information processing system, financial institution equipment, information processing method, and program

Abstract

To provide an account opening support service that is easy for merchants participating in electronic payment services to use. [Solution] An information processing device comprising: a storage unit for storing merchant-related information relating to a merchant of an electronic payment service; a first display control unit for causing the merchant to display an application display for applying to open an account operated by a predetermined financial institution on the merchant device used by the merchant; a first screening information acquisition unit for obtaining information for the financial institution to screen the merchant's application to open the account based on the merchant-related information when an operation is performed on the application display; and an information provision unit for providing the acquired information to the financial institution device used by the financial institution.

Description

Technical Field

[0006] , , , ,

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

Background Art

[0002] Patent Document 1 discloses a technique for assisting a user in opening an account (for example, a bank account) operated by a predetermined financial institution.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, insufficient consideration has been given to an account opening support service that is easy for franchise stores of electronic payment services to use.

[0005] The present invention has been made in consideration of such circumstances, and an object thereof is to provide an information processing apparatus, an information processing system, a financial institution apparatus, an information processing method, and a program that can provide an account opening support service that is easy for franchise stores of electronic payment services to use.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device comprising: a storage unit for storing merchant-related information relating to a merchant of an electronic payment service; a first display control unit for causing a merchant device used by the merchant to display an application display for applying to open an account operated by a predetermined financial institution; a first examination information acquisition unit for acquiring information based on the merchant-related information for the financial institution to examine the merchant's application to open the account when an operation is made on the application display; and an information provision unit for providing the acquired information to a financial institution device used by the financial institution. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing system, a financial institution device, an information processing method, and a program that can provide an account opening support service that is easy for merchants of electronic payment services to use. [Brief explanation of the drawing]

[0008] [Figure 1] This figure shows an example of the configuration of an information processing system that enables electronic payment services and account opening support services. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payments. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payments. [Figure 4] This figure shows an example of the functional configuration of the payment server 100. [Figure 5] This figure shows an example of the contents of user information 172. [Figure 6] This figure shows an example of the contents of merchant / store information 176. [Figure 7] This figure shows an example of the contents of remittance management information 178. [Figure 8] This figure shows an example of the functional configuration of the Account Opening Support Department 200. [Figure 9] This figure shows an example of the contents of the merchant-related information list 292. [Figure 10]This figure shows an example of the functional configuration of the financial institution server 300. [Figure 11] This sequence diagram shows an example of the process related to account opening support, which is executed by the second store terminal device 70, the payment server 100, and the financial institution server 300. [Figure 12] This figure shows an example of an interface screen provided to the merchant interface 72 when an application for opening an account is initiated. [Figure 13] This figure shows an example of the process for obtaining screening information 392a based on merchant-related information 292a. [Figure 14] This figure shows an example of the content of correspondence information 294. [Figure 15] This figure shows an example of an interface screen provided to sub-interface 74 when applying to open an account. [Figure 16] This figure shows an example of an interface screen provided to sub-interface 74, following the interface screen in Figure 15. [Figure 17] This diagram shows an example of the contents of the "Notification of Completion of Establishment" (NT). [Figure 18] This figure shows an example of the process for setting up a recipient account based on the account opening completion notification (NT). [Modes for carrying out the invention]

[0009] The following describes embodiments of the information processing device, information processing system, financial institution device, information processing method, and program of the present invention with reference to the drawings. The various devices, such as devices and servers, that appear below and are used to provide services to users or perform internal analysis may be implemented by a distributed group of devices, and the operators of each device may be different. Furthermore, the owner of the hardware of the devices (the provider of the cloud server) and the operator that actually operates them may also be different. The application program, payment server, and financial institution server work together to provide electronic payment services and account opening support services. In the following description, the application program that runs on the user terminal device 10 (details will be described later) will be referred to as the payment app. The electronic payment service is a service that supports payment for the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for e-commerce. The virtual store may include those provided by an entity different from the operator of the electronic payment service. In that case, when settling a purchase at the virtual store, the system may be controlled to transition to the interface screen of the electronic payment service. In electronic payment services, stores are treated as belonging to, for example, a merchant (brand), and the processing of payments and other transactions when a purchase is made at a store is primarily carried out between the user and the merchant. Alternatively, the processing of payments and other transactions may be carried out between the user and the store.

[0010] [Information Processing Systems] FIG. 1 is a diagram showing an example of the configuration of an information processing system in which an electronic payment service and an account opening support service are realized. The electronic payment service is realized centering around the payment server 100. The account opening support service is realized centering around the payment server 100 and the financial institution server 300. The information processing system that realizes the electronic payment service and the account opening support service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, and a financial institution server 300. These devices communicate via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. The payment server 100 is an example of an "information processing device". The second store terminal device 70 is an example of a "franchisee device". The financial institution server �00 is an example of a "financial institution device".

[0011] Some or all of the functional configurations included in the information processing system may be distributed among a plurality of devices in any form or integrated into any device. For example, some or all of the functional configurations of the payment server 100 may be included in a device different from the payment server 100, or some or all of the functional configurations of the financial institution server 300 may be included in a device different from the financial institution server 300.

[0012] [Electronic Payment Service] Hereinafter, after mainly explaining the electronic payment service, the configuration and processing related to the account opening support service will be described in detail.

[0013] [User Terminal Device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least optical reading function, communication function, display function, input reception function, and program execution function. In the following description, the components for realizing these functions will be referred to as a camera, communication device, touch panel, CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as the CPU, and it operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed on the user terminal device 10, for example, from an application store, and controls the camera, communication device, touch panel, etc.

[0014] [Store Terminal Device #1] 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 may include a so-called POS (Point of Sale) device, and the product price acquisition function and 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 paper or plastic media. The store code image 60 may also be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0015] [Second store terminal device] The second store terminal device 70 is used by the merchant (for example, the operator of the merchant). The second store terminal device 70 is a smartphone, tablet, personal computer, etc. The merchant interface 72 operates on the second store terminal device 70. The merchant interface 72 may be a merchant application or a browser. The merchant interface 72 accepts coupon settings etc. from the merchant operator 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 by running the merchant application, and reading a code image displayed by the user terminal device 10. In addition, the second store terminal device 70 operates in cooperation with the payment server 100 and the financial institution server 300 to provide account opening support services to the merchant by executing the merchant interface 72 and the sub-interface 74 described later.

[0016] The payment server 100 implements 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 a merchant server, in which case payment information is transmitted from the POS device to the payment server 100 via the merchant server. In the following description, this distinction will not be made, and it will be assumed that payment information is transmitted from the first store terminal device 50.

[0017] Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payments. There may be two patterns for electronic payments: Pattern 1 and Pattern 2.

[0018] In the case of Pattern 1 shown in Figure 2 (hereinafter referred to as User Scan), 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 contains information about the store URL (Uniform Resource Locator). This store URL is an electronic payment service domain to which information that can identify the store has been added, and is associated with the merchant ID and store ID, etc., at the payment server 100 (described later). The payment application 20 sends the 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 later) from the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen where the merchant name and store name are displayed (S5). The user terminal device 10 then generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 60 is displayed on a display placed in the store, the store code image 60 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0019] In the case of Pattern 2 shown in Figure 3 (hereinafter referred to as Store Scan), when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (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 that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it), and the first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode scanning or manual input. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs the electronic payment (S17). The payment server 100 then sends a payment completion notification to the payment app 20 (S18), and the payment app 20 displays a payment completion screen (S19).

[0020] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0021] Figure 4 is a diagram of the configuration of the payment server 100. The payment server 100 is used by entities (providers) that provide electronic payment services. The payment server 100 includes, for example, a communication unit 110, a payment content provision unit 120, a payment processing unit 130, an information management unit 140, a remittance management unit 150, a storage unit 170, and an account opening support unit 200. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), and SOC (System On Chip), or by the cooperation of software and hardware. The program may be stored in advance on a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into the drive device.

[0022] The storage unit 170 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may also be a NAS (Network Attached Storage) device that the payment server 100 can access via the network. The storage unit 170 stores information such as user information 172, payment content information 174, merchant / store information 176, and remittance management information 178. Some of this information may also be stored in the storage unit of the user terminal device 10.

[0023] The communication unit 110 is a communication interface for connecting to a network NW. The communication unit 110 is, for example, a network interface card.

[0024] The payment content provision unit 120, for example, has the functionality of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content provision unit 120 reads the necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20 and transmits the aforementioned payment information and other data to the payment server 100.

[0025] The payment processing unit 130 performs payment processing based on 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.

[0026] Figure 5 shows 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, user URL, account ID, telephone number, password, as well as information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for money transfer processing between users. When registering for a new electronic payment service, registration of a telephone number and password is mandatory. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can set at will (or does not have to set). Similarly, the email address and name, address, and date of birth are also information that the user can set at will (or does not have to set). The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance is information indicating the balance of electronic money set by the user by sending money to their account in advance. Methods of sending money include sending from an ATM (Automatic Teller Machine) of a designated provider (bank) and sending from a registered bank account. The credit payment setting indicates whether or not the user has completed the settings to enable electronic payments by credit card, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for credit payments, the credit payment amount is the amount already used for credit payments in the current month, and the available credit payment amount is the amount available for credit payments in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the diagram shows only one credit payment limit, in reality there are also daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will use electronic payment with the charge balance or payment by credit card at that time. The bank account and credit card number information, respectively, refers to the bank account or credit card number (account number, card number) to which funds can be deposited into the electronic payment service. The charge history information is a record of when the user has previously sent money to the electronic payment service to increase the charge balance. The payment history information shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0028] Figure 6 shows an example of the contents of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which the merchant ID and store ID are associated with the store URL, a second table 176B in which the merchant name and sales amount (as described above) are associated with the merchant ID, and a third table 176C in which the store name is associated with the store ID. In addition to this information, the merchant / store information 176 may also include information such as the merchant or store category, the store's location, and payment patterns.

[0029] Figure 7 shows an example of the contents of the remittance management information 178. The remittance management information 178 is a collection of information such as merchant ID, merchant name, recipient account, and recurring remittance date. The recipient account is the account (e.g., a bank account) to which the merchant's sales proceeds in the electronic payment service are sent. The recipient account information includes, for example, the name of the bank and the account number. In principle, the recipient account can be arbitrarily set by the merchant by operating the second store terminal device 70, etc. The recurring remittance date is a date based on a predetermined cycle (e.g., every month) and is the date on which the sales proceeds are sent to the recipient account. In principle, the recurring remittance date can be arbitrarily set by the merchant by operating the second store terminal device 70, etc. In principle, the recurring remittance date may only be selectable from a predetermined set of options (e.g., the 1st of each month, the second business day of each month, etc.). In principle, the recurring remittance date may be set to a predetermined date.

[0030] The Information Management Unit 140 manages user information 172, merchant / store information 176, and remittance management information 178 based on information obtained from the user terminal device 10 and the second store terminal device 70. The Information Management Unit 140 adds, edits, and deletes new records for user information 172, merchant / store information 176, and remittance management information 178.

[0031] The remittance management unit 150 manages the remittance of sales proceeds to the recipient accounts of each merchant based on the sales information of each merchant (for example, sales information in the second table 176B) and the remittance management information 178. For example, on the regular remittance date stored in the remittance management information 178, the remittance management unit 150 executes a process for each merchant to remit an amount corresponding to the sales item value stored in the second table 176B.

[0032] The remittance management unit 150 may be configured to enable the remittance of sales proceeds to the recipient account not only on regular remittance days but also on extraordinary remittance days. Remittances on extraordinary remittance days (hereinafter referred to as "extraordinary remittances") are made, for example, by the merchant operating the second store terminal device 70, etc. Extraordinary remittance days are different dates from regular remittance days, and are set, for example, each time a merchant requests an extraordinary remittance. Extraordinary remittance days may be arbitrarily set by the merchant operating the second store terminal device 70, etc., or they may be set automatically according to the date on which the merchant requests an extraordinary remittance (for example, the day after the date of application).

[0033] [Electronic payment] When the payment processing unit 130 obtains payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the user's "payment method setting". 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, which is managed in association with the user ID, and increasing the value of the merchant's sales proceeds item. The merchant's sales proceeds item value is not used as electronic money itself, for example, but rather the amount corresponding to the sales proceeds item value is sent to the bank account (recipient account) in a cycle according to the agreement between the merchant and the electronic payment service (i.e., on the regular remittance day). The merchant may also receive the sales proceeds as electronic money. In this case, the payment server 100 manages the account (wallet) corresponding to the merchant ID, the electronic money balance of the account, and the sales proceeds history for each payment method in association.

[0034] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment". Credit 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, and allows electronic payment that does not depend on the charge balance within the credit limit. In order to use the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit payment usage amount in the user information 172 and subtracts the above payment amount from the available credit payment amount. If the payment amount exceeds the available credit payment amount, an error notification is sent back to the payment app. The amount used by credit payment is settled, for example, in a lump sum for one month on the payment date of the following month, for example, by direct debit from a bank account. This processing is performed by the operator of the credit card company.

[0035] [Account Opening Support Service] Next, we will provide a detailed explanation of the structure and processing related to the account opening support service.

[0036] [Account Opening Support Department] Figure 8 shows an example of the functional configuration of the account opening support unit 200. The account opening support unit 200 includes, for example, a selection unit 210, a first display control unit 220, a first examination information acquisition unit 230, an information provision unit 240, a completion notification acquisition unit 250, a status acquisition unit 260, a processing unit 270, a processing specification information acquisition unit 280, and a storage unit 290. Components other than the storage unit 290 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSIs, ASICs, FPGAs, GPUs, and SOCs, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted on a drive device.

[0037] The storage unit 290 may be an HDD, flash memory, RAM, etc. The storage unit 290 may also be a NAS device accessible by the account opening support unit 200 via a network. The storage unit 290 stores information such as the merchant relationship information list 292, correspondence information 294, and processing specification information 296. Some or all of the information stored in the storage unit 290 may be stored in the storage unit 170 described above, and some or all of the information stored in the storage unit 170 may be stored in the storage unit 290. The storage unit 170 and the storage unit 290 may be implemented with the same configuration.

[0038] Figure 9 shows an example of the contents of the merchant relationship information list 292. The merchant relationship information list 292 is information that associates merchant relationship information 292a with each merchant of the electronic payment service. For example, in the merchant relationship information list 292, merchant relationship information 292a is associated with the merchant ID. The information included in the merchant relationship information list 292 is information held by the electronic payment service. Merchant relationship information 292a includes classification information that indicates the type of business the merchant is involved in and the classification of the goods and / or services it handles. In the following explanation, goods and / or services may be referred to as "goods, etc." The merchant relationship information list 292 may also include first information 292A concerning merchants who are sole proprietors and second information 292B concerning merchants who are corporations.

[0039] The merchant-related information 292a in the first information 292A may include, for example, business information about the business operator and representative information about the representative. Business information may include, for example, the business operator's (merchant's) trade name, type of business, products handled, and website information. Representative information may include, for example, the representative's last name, first name, date of birth, contact information, address, and nationality. Information such as last name may also include phonetic spellings. Contact information may include telephone number and email address. Address information may include postal code, prefecture, city / ward / town / village, street number, building name, and room number. Website information may include whether or not there is a website and URL. Information on type of business and products handled corresponds to classification information. However, the content of the first information 292A can be changed as appropriate.

[0040] The merchant-related information 292a in the second information 292B may include, for example, registration information regarding the registration of a corporation, corporate information regarding the corporation, representative information regarding the representative, transaction contact information regarding the transaction contact person, and beneficial owner information regarding the beneficial owner. Registration information may include, for example, information such as the corporate number, corporate name, and registered address. Corporate information may include information such as the corporation's (merchant's) current address, contact information, website, industry, and products handled. Representative information may include information such as the representative's last name and given name. Transaction contact information may include information such as the transaction contact person's last name, given name, date of birth, and address. Beneficial owner information may include, for example, the beneficial owner's company name (in the case of a company), name and date of birth (in the case of an individual), and address. In addition, information such as last names and given names may include phonetic information. Contact information may include information such as telephone number and email address. Address information (including registered address and current address) may include information such as postal code, prefecture, city / ward / town / village, street number, building name, and room number. Website information may include information such as whether a website exists and its URL. Business type and product information will correspond to classification information. However, the content of Section 292B of the information can be changed as appropriate.

[0041] Merchant-related information 292a may include information on the merchant's sales and the recipient's bank account. Furthermore, the merchant-related information list 292 (merchant-related information 292a) and the merchant / store information 176 and remittance management information 178 may be at least partially shared. In other words, some or all of the information included in the merchant-related information list 292 may be included in the merchant / store information 176 and remittance management information 178, and some or all of the information included in the merchant / store information 176 and remittance management information 178 may be included in the merchant-related information list 292.

[0042] [Financial institution server] Figure 10 shows an example of the functional configuration of a financial institution server 300. The financial institution server 300 is used by a predetermined financial institution. The financial institution server 300 includes, for example, a communication unit 310, a second screening information acquisition unit 320, a second display control unit 330, an application acceptance unit 340, a remittance designation information acquisition unit 350, an account opening unit 360, a completion notification unit 370, a modification notification unit 380, and a storage unit 390. Components other than the communication unit 310 and the storage unit 390 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSIs, ASICs, FPGAs, GPUs, and SOCs, or by the cooperation of software and hardware. The program may be stored in advance on a storage device such as an HDD or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into a drive device.

[0043] The storage unit 390 can be an HDD, flash memory, RAM, etc. The storage unit 390 may also be a NAS device accessible by the financial institution server 300 via a network. The storage unit 390 stores information such as the review information list 392, remittance designation information 394, and account information 396. Some or all of the information stored in the storage unit 390 may be stored in the storage units 170 and 290 described above, and some or all of the information stored in the storage units 170 and 290 may be stored in the storage unit 390.

[0044] The communication unit 310 is a communication interface for connecting to a network NW. The communication unit 310 is, for example, a network interface card.

[0045] [Overview of Account Opening Support Service] In the account opening support service according to this embodiment, merchant-related information 292a concerning merchants of the electronic payment service is pre-stored in the storage unit 290 of the settlement server 100 (account opening support unit 200). The settlement server 100 then displays an application display on the second store terminal device 70 used by the merchant for applying to open an account operated by a designated financial institution. When an operation is performed on the application display, the settlement server 100 obtains information based on the merchant-related information 292a for the financial institution to review the merchant's application for account opening. The settlement server 100 provides the obtained information to the financial institution server 300 used by the financial institution. As a result, in response to an operation by a merchant of the electronic payment service, information for the financial institution to conduct a review is obtained based on the merchant-related information 292a stored in the settlement server 100 of the electronic payment service and provided to the financial institution. This makes it possible for financial institutions to utilize the information held by the electronic payment service in their review process, and streamlines the flow from account opening application to review. Therefore, an account opening support service that can be easily used by merchants of the electronic payment service can be provided.

[0046] [Details of the account opening support service] Figure 11 is a sequence diagram showing an example of the account opening support process executed by the second store terminal device 70, the payment server 100, and the financial institution server 300. The following will specifically describe the functional configurations and processes related to account opening support, following this sequence diagram.

[0047] (Step S21) First, the selection unit 210 of the payment server 100 selects merchants to display the application based on the merchant relationship information 292a. For example, the selection unit 210 may refer to the merchant relationship information 292a of each merchant included in the merchant relationship information list 292 to select merchants for whom a remittance account is not set in an account operated by a financial institution using the financial institution server 300 (hereinafter referred to as a financial institution account), and / or whose sales within a predetermined period are above a predetermined threshold.

[0048] (Step S22) Next, the first display control unit 220 of the payment server 100 displays the application information on the merchant interface 72 used by each merchant. Here, the first display control unit 220 displays the application information on the merchant interface 72 used by merchants selected by the selection unit 210, and does not display the application information on the merchant interface 72 used by merchants that were not selected. This allows appropriate merchants to be provided with assistance in opening financial institution accounts.

[0049] (Step S23) A merchant who sees an application prompt in the merchant interface 72 can interact with the prompt depending on their interest in opening an account. By interacting with the prompt, the merchant initiates an application to open a financial institution account. The merchant interface 72 provides the settlement server 100 with information that allows it to identify the merchant who interacted with the application prompt. The settlement server 100 identifies the merchant who interacted with the application prompt based on the information provided from each merchant's merchant interface 72.

[0050] Figure 12 shows an example of an interface screen provided to the merchant interface 72 at the start of an account opening application. The first display control unit 220 provides the merchant interface 72 with an interface screen IF11 including, for example, a banner display D11. Interface screen IF11 may also include, for example, a screen that displays the merchant's sales in the electronic payment service. When the merchant operates the banner display D11, the first display control unit 220 provides the merchant interface 72 with an interface screen IF12 including, for example, a button display D12. Interface screen IF12 may include displays that show the benefits of opening a financial institution account and designating the opened financial institution account as a remittance account. When the merchant operates the button display D12, the process of step S23 described above is performed. The banner display D11 and the button display D12 are examples of application displays.

[0051] When the application display is operated, the merchant interface 72 starts the sub-interface 74 (see also Figure 1). The sub-interface 74 operates on the second store terminal device 70. If the merchant interface 72 is a merchant application, the sub-interface 74 may be a mini-application that uses the application as a platform. In this case, the sub-interface 74 may be, for example, an application program developed by a financial institution using the financial institution server 300 to operate within the merchant interface 72 as an application. The financial institution may develop the sub-interface 74 by referring to an SDK (Software Development Kit), which is an application development program and technical documentation provided by the administrator of the merchant interface 72 as an application. The sub-interface 74 may be, for example, a mini-application that operates when the merchant interface 72 as an application is running. For example, when the merchant interface 72 as an application is installed, some or all of the sub-interface 74 as a mini-application may be installed, or some or all of the sub-interface 74 may be installed from the service server corresponding to the sub-interface 74. If the merchant interface 72 is a browser, the sub-interface 74 may be configured to operate in conjunction with the merchant interface 72. For example, the sub-interface 74 may be provided in a tab or window separate from the tab or window in which the merchant interface 72 is provided.

[0052] When subinterface 74 is activated, it accesses the financial institution server 300. Subinterface 74 and the financial institution server 300 work together to display information on the second branch terminal device 70 and display information in response to the merchant's operations, thereby providing services related to opening financial institution accounts, etc.

[0053] (Step S24) Returning to Figure 11, the first screening information acquisition unit 230 of the payment server 100 then acquires information for the merchant that operated the application display, based on the merchant relationship information 292a, which is used by financial institutions to screen the merchant's application for opening a financial institution account. For example, the first screening information acquisition unit 230 converts the merchant relationship information 292a into screening information 392a by referring to correspondence information 294, which associates the merchant relationship information 292a with the screening information 392a used by financial institutions for screening. The first screening information acquisition unit 230 then acquires the screening information 392a obtained through the conversion as "information for conducting screening".

[0054] Figure 13 shows an example of the process of acquiring screening information 392a based on merchant-related information 292a, which is performed by the first screening information acquisition unit 230. The first screening information acquisition unit 230 converts information by referring to the corresponding information 294 for at least some items in the merchant-related information 292a. In the example in Figure 13, the first screening information acquisition unit 230 converts the classification information contained in the merchant-related information 292a into classification information used for screening by financial institutions by referring to the corresponding information 294. In the example in Figure 13, the first screening information acquisition unit 230 does not perform conversion processing on information other than classification information and acquires it as is as part of the screening information 392a.

[0055] Figure 14 shows an example of the contents of correspondence information 294. As shown in Figure 14, correspondence information 294 may include information (classification correspondence information 294A) that associates classification information in electronic payment services with classification information used in financial institution screening. In the classification correspondence information 294A of Figure 14, the correspondence between the combination of industry and handled products etc. used in electronic payment services and those used in financial institution screening is shown. The classification of industry and handled products etc. in electronic payment services does not necessarily match the classification of businesses and handled products etc. used in financial institution screening. Therefore, by performing the conversion of classification information using such classification correspondence information 294A, the transfer of classification information from electronic payment services to financial institutions can be made smoother.

[0056] Returning to Figure 13, the first examination information acquisition unit 230 may acquire the examination information 392a in association with the application ID. The application ID is information that is associated one-to-one with the merchant ID and / or the application display operation by the merchant. The merchant ID may be used as the application ID. The first examination information acquisition unit 230 may store information indicating the correspondence between the merchant ID and the acquired application ID in the storage unit 290 each time it acquires the examination information 392a and / or the application ID.

[0057] In the example shown in Figure 13, the case where each item in the merchant relationship information 292a matches each item in the screening information 392a is shown, but some or all of the items do not have to match. In this case, the correspondence information 294 may include item correspondence information 294B (not shown) which shows the correspondence between the items in the merchant relationship information 292a and the items in the screening information 392a. The first screening information acquisition unit 230 may then refer to the item correspondence information 294B to acquire, for each item in the screening information 392a, information about the corresponding item in the merchant relationship information 292a, or information converted therefrom using classification correspondence information 294A, etc.

[0058] (Step S25) Returning to Figure 11, the information provision unit 240 of the payment server 100 then provides the financial institution server 300 with the "information for conducting the review" acquired by the first review information acquisition unit 230. For example, the information provision unit 240 provides the financial institution server 300 with the review information 392a converted from the merchant relationship information 292a (including the converted classification information) as "information for conducting the review". The second review information acquisition unit 320 of the financial institution server 300 acquires the review information 392a and adds it to the review information list 392. The review information list 392 is information to which the review information 392a is associated with each application (for example, each application ID).

[0059] The conversion from merchant-related information 292a to screening information 392a may be performed on the financial institution server 300. In this case, the corresponding information 294 may be stored in the storage unit 390 of the financial institution server 300. The second screening information acquisition unit 320 then acquires the merchant-related information 292a for the merchant that operated the application display, and the information provision unit 240 may provide the merchant-related information 292a to the financial institution server 300. In this case, the merchant-related information 292a corresponds to "information for conducting screening." The second screening information acquisition unit 320 acquires the screening information 392a by performing the above conversion process on the acquired merchant-related information 292a, referring to the corresponding information 294. The above conversion process on the payment server 100 and the financial institution server 300 may not be performed if the classification information in the electronic payment service matches the classification information used by the financial institution for screening. In this case, the corresponding information 294 does not need to be stored in the storage units 290 and 390.

[0060] (Step S26) Next, the second display control unit 330 of the financial institution server 300 displays an input display on the sub-interface 74 of the second branch terminal device 70 that has been operated on the application display, prompting the user to input information used by the financial institution for screening. Here, the second display control unit 330 may display on the sub-interface 74 an input display in which the screening information 392a used by the financial institution for screening, which is based on the information provided by the information provision unit 240, has already been entered. Alternatively, the second display control unit 330 may display on the sub-interface 74 an input display in which the already entered screening information 392a can be modified by an operation on the sub-interface 74. In other words, the second display control unit 330 may display on the sub-interface 74 an input display prefilled with the screening information 392a obtained through the processing up to step S25.

[0061] In step S26, the financial institution server 300 (second display control unit 330) may further inquire with the merchant via the sub-interface 74 whether or not to designate the financial institution account to be opened as the recipient account. Also in step S26, the financial institution server 300 (second display control unit 330) may request identity verification of the merchant's representative or transaction manager via the sub-interface 74. Identity verification may be performed, for example, by eKYC (electronic Know Your Customer).

[0062] (Step S27) A merchant who sees an input display on the sub-interface 74 operates the input display to apply for the opening of a financial institution account. The application acceptance unit 340 of the financial institution server 300 accepts the merchant's application for the opening of a financial institution account in response to the operation on the sub-interface 74. Here, if there is an error in the prefilled screening information 392a, the merchant may correct the prefilled screening information 392a by operating the sub-interface 74. In this case, the application acceptance unit 340 updates the screening information 392a in the screening information list 392 as necessary. Specifically, if the merchant does not correct or add to the screening information 392a, the application acceptance unit 340 does not change the content of the screening information 392a. If the merchant makes corrections or additions, the application acceptance unit 340 updates the content of the screening information 392a according to the content of the corrections or additions.

[0063] Furthermore, the merchant may, in response to a request from the financial institution server 300 (second display control unit 330), input to the subinterface 74 whether or not to specify a recipient account for the financial institution account to be opened. The remittance designation information acquisition unit 350 acquires remittance designation information 394 indicating whether or not the merchant designates the financial institution account to be opened by application as the recipient account, in response to the operation on the subinterface 74, and stores it in the storage unit 390, for example, in association with the application ID. In addition, the merchant may perform identity verification via the subinterface 74 in response to a request from the financial institution server 300 (second display control unit 330).

[0064] Figure 15 shows an example of the interface screen provided to sub-interface 74 when applying to open an account. Figure 16 shows an example of the interface screen provided to sub-interface 74 following the interface screen in Figure 15. Note that the examples in Figures 15 and 16 show the case where the merchant is a corporation. Detailed illustrations are omitted, but similar displays are shown even when the merchant is a sole proprietor.

[0065] As shown in Figure 15, during the process of a merchant applying for a financial institution account, the second display control unit 330 provides the sub-interface 74 with an interface screen IF21, which includes, for example, a form display D21. The form display D21 is a form in which the merchant freely enters their corporate number. Here, the second display control unit 330 displays the form display D21 with the corporate number already entered, based on the examination information 392a. The merchant makes any necessary corrections to the corporate number entered in the form display D21 and then proceeds with the application by performing a predetermined operation on the interface screen IF21 (for example, pressing a button).

[0066] At a predetermined timing following the transition from interface screen IF21, the second display control unit 330 provides the sub-interface 74 with interface screen IF22, which includes, for example, a pull-down display D22, a form display D23, a form display D24, and a pull-down display D25. The pull-down display D22 is a display for selecting and inputting the merchant's industry from predetermined options, and the form display D23 is a form for freely inputting the merchant's business details, products handled, etc. Based on the screening information 392a, the second display control unit 330 displays the pull-down display D22 with the merchant's industry already entered and the form display D23 with the merchant's products handled, etc. already entered. The form display D24 is a form for freely inputting the purpose of the financial institution account, and the pull-down display D25 is a display for selecting and inputting the transaction purpose from predetermined options. Here, the information corresponding to displays D24 and D25 is not included in the screening information 392a provided by the information provision unit 240. Therefore, the second display control unit 330 displays displays D24 and D25, which do not have pre-filled information. The merchant makes necessary corrections to the information entered in displays D21 and D22, and after entering appropriate information in displays D24 and D25, proceeds with the application by performing a predetermined operation on the interface screen IF22 (for example, pressing a button).

[0067] As shown in Figure 16, during the process of a merchant applying for a financial institution account, the second display control unit 330 provides, for example, an interface screen IF23 to the sub-interface 74. Interface screen IF23 is a screen that displays a list of information to be submitted to the financial institution (used by the financial institution for screening) for the merchant to confirm. The information included in interface screen IF23 includes information based on the screening information 392a provided by the information provision unit 240, information modified by the merchant, and / or additional information entered by the merchant. If there are no problems with the displayed information, the merchant proceeds with the application by performing a predetermined operation on interface screen IF23 (for example, pressing a button). The application acceptance unit 340 performs the above-mentioned update processing of the screening information 392a in response to the operations up to interface screen IF23. For example, the application reception unit 340 modifies the review information 392a in response to modifications made by the member store, and also adds items (such as displays D24 and D25) that were not included in the review information 392a provided by the information provision unit 240, which are entered by the member store and added to the review information 392a.

[0068] After the merchant performs a predetermined operation on interface screen IF23, the second display control unit 330 provides the sub-interface 74 with, for example, interface screen IF24 requesting identity verification. The merchant proceeds with the application by performing a predetermined operation on interface screen IF24 (for example, submitting identity verification documents or pressing a button).

[0069] After the merchant performs a predetermined operation on the interface screen IF24, the second display control unit 330 provides the sub-interface 74 with an interface screen IF25 that prompts the merchant to input, for example, whether or not to specify a recipient account for the financial institution account to be opened by this application. Interface screen IF25 includes a selection display D26 for selecting whether or not to specify a recipient account for the financial institution account to be opened. The merchant completes the application for opening a financial institution account by performing a predetermined operation, including the operation of the selection display D26. The remittance designation information acquisition unit 350 performs the remittance designation information acquisition process described above, for example, in response to the operation on the selection display D26. Interface screen IF25 may include a display showing the benefits of designating the financial institution account to be opened as the recipient account.

[0070] The correction notification unit 380 of the financial institution server 300 may notify the settlement server 100 and / or the financial institution server 300 (correction notification) in response to a correction of the screening information 392a due to an operation on the second store terminal device 70 (sub-interface 74). The fact that the prefilled screening information 392a has been corrected by the merchant via the sub-interface 74 means that there may be an error in the corresponding information 294. Therefore, issuing such a correction notification can serve as an opportunity to review the contents of the corresponding information 294. Correction notifications may be issued each time a correction occurs, or they may be issued in batches for a predetermined number of times or for a predetermined period. The correction notification may include information about the content, number, and frequency of corrections. In addition, the settlement server 100, the financial institution server 300, and / or other information processing devices may correct the corresponding information 294 according to the content of the correction notification. For example, if the corresponding information 294 is generated based on a trained model, the corresponding information 294 may be corrected by retraining.

[0071] (Step S28) The financial institution server 300 performs a review of the merchant's application to open a financial institution account based on the review information 392a obtained through the above processing. The review may be performed by executing a predetermined program on the financial institution server 300, or by other means. The financial institution may also request the merchant to submit written documents during the review, or it may perform the review based solely on the review information 392a without requesting such documents.

[0072] (Step S29) If a positive review result is obtained, the account opening unit 360 of the financial institution server 300 opens a financial institution account for that merchant. The account opening unit 360 associates the account number of the opened financial institution account with information about the merchant (for example, information similar to merchant relationship information 292a) and stores it in the storage unit 390 as account information 396.

[0073] (Step S30) Next, the completion notification unit 370 of the financial institution server 300 outputs an account opening completion notification NT to the settlement server 100, indicating the completion of opening the merchant's financial institution account. The completion notification acquisition unit 250 of the settlement server 100 acquires the account opening completion notification NT.

[0074] Figure 17 shows an example of the contents of an Account Opening Completion Notice NT. The Account Opening Completion Notice NT includes, for example, an application ID, an account number, and remittance designation information. The application ID is issued by the first screening information acquisition unit 230 in the processing of step S24 and is used by the settlement server 100 to identify the merchant where the financial institution account was opened. The application ID is an example of "merchant identification information". The account number is the account number of the financial institution account that was opened. The remittance designation information is the remittance designation information 394 acquired by the remittance designation information acquisition unit 350 during the application process, and is information that can take one of two values ​​from "specify" to "do not specify".

[0075] The completion notification unit 370 may output the opening completion notification NT to the second store terminal device 70 in addition to (or instead of) the payment server 100. The content of the opening completion notification NT output to the second store terminal device 70 may differ from the content of the opening completion notification NT output to the payment server 100. For example, the completion notification unit 370 may display the notification on the subinterface 74 of the second store terminal device 70, or it may send the notification to the second store terminal device 70 by means of email, short message, or other means.

[0076] (Step S31) Returning to Figure 11, the remittance management unit 150 of the payment server 100 sets the recipient account of the merchant related to the application ID to the newly opened financial institution account in response to the account opening completion notification NT. This reduces the effort required for the merchant to set the newly opened financial institution account as the recipient account.

[0077] Figure 18 shows an example of the process for setting up a remittance account based on an account opening completion notice NT. First, the remittance management unit 150 identifies the merchant to which the account opening completion notice NT pertains (i.e., the financial institution account that was opened) pertains, based on the application ID included in the account opening completion notice NT. For example, the remittance management unit 150 may identify the merchant ID corresponding to the application ID by referring to the information indicating the correspondence between the merchant ID and the application ID, which was generated by the first screening information acquisition unit 230 in the process of step S24. Then, the remittance management unit 150 updates the remittance management information 178 to the remittance account information associated with the identified merchant ID, according to the account opening completion notice NT. Specifically, the bank name is changed to the financial institution using the financial institution server 300, and the account number is changed to the account number included in the account opening completion notice NT. When the change to the remittance account is completed, the settlement server 100 may notify the second store terminal device 70 (e.g., the merchant interface 72) of the completion of the change.

[0078] The remittance management unit 150 may switch whether or not to perform such setting processing depending on the remittance designation information included in the account opening completion notice NT. Specifically, if the remittance designation information is "specify" (i.e., the merchant has designated a financial institution account as the recipient account when applying), the remittance management unit 150 may automatically set the opened financial institution account as the merchant's recipient account based on the account number included in the account opening completion notice NT. As described above, the remittance designation information is obtained when the merchant applies for account opening. Therefore, the merchant can perform everything from account opening to recipient account setting by simply applying for a financial institution account, greatly reducing the burden on the merchant. On the other hand, if the remittance designation information is "do not specify" (i.e., the merchant has not designated a financial institution account as the recipient account when applying), the remittance management unit 150 may not perform such setting and maintain the contents of the remittance management information 178. This allows the merchant to switch whether or not to change the recipient account according to their wishes.

[0079] Even if the remittance designation information is "not specified," the account opening completion notification NT may be stored in the storage unit 290 of the settlement server 100. Then, when a merchant instructs the settlement server 100 via the second store terminal device 70 to set the opened financial institution account as the remittance destination account, the remittance management unit 150 may set the opened financial institution account as the merchant's remittance destination account based on the account number contained in the stored account opening completion notification NT. This reduces the effort required for merchants to manually enter the account number of the financial institution account.

[0080] [Providing status] The financial institution server 300 may provide the settlement server 100 with the status of review and / or opening at each point in the process shown in Figure 11. The status acquisition unit 260 of the settlement server 100 acquires the status from the financial institution server 300. The settlement server 100 may also have a configuration (status provision unit) that provides the acquired status to the second store terminal device 70. For example, the first display control unit 220 may function as the status provision unit. The first display control unit 220, as the status provision unit, may provide the merchant interface 72 with a display indicating the status acquired from the financial institution server 300. The status may be of type, for example, application completed (not yet reviewed), waiting for documents from merchant (not yet reviewed), under review, review approved, review rejected, opening completed, etc. Note that the status may be provided directly from the financial institution server 300 to the second store terminal device 70 without going through the settlement server 100.

[0081] [If processing is interrupted midway] If the processing is interrupted midway after step S25 shown in Figure 11 due to the merchant's operation of the second store terminal device 70 or the like, the financial institution server 300 may delete the screening information 392a related to the application from the storage unit 390. Alternatively, even if the processing is interrupted midway, the screening information 392a may be retained in the storage unit 390. Then, if the merchant applies for opening an account again, the financial institution server 300 may perform processing using the retained screening information 392a. For example, the financial institution server 300 may provide the sub-interface 74 with prefilled input display based on the retained screening information 392a, or it may resume the application processing from where it left off depending on the progress of the processing at the time of interruption.

[0082] [Processing after account opening] The processing unit 270 of the payment server 100 may execute at least one of the following processes (1) to (3) when the merchant-related information 292a is changed by an operation on the second store terminal device 70 (merchant interface 72) after the opening of a financial institution account has been completed (after the opening completion notification NT has been obtained). (1) Provide the financial institution server 300 with information based on the changed merchant-related information 292a. (2) The second store terminal device 70 requests approval from the franchisee, and if approval is obtained, the process described in (1) above is performed. (3) The second store terminal device 70 outputs a notification prompting the store to change the information linked to the opened financial institution account in the same way as the merchant-related information 292a.

[0083] If the merchant information 292a is changed by an operation on the second store terminal device 70, but the merchant has not performed such a change procedure at the financial institution, a discrepancy may occur between the merchant information 292a held by the settlement server 100 and the information about the merchant included in the account information 396 held by the financial institution server 300. The processing unit 270 can suppress these discrepancies in information by performing at least one of the processes (1) to (3) above. In addition, if the processing unit 270 performs process (1) or (2), the financial institution server 300 may automatically update the account information 396 based on the information provided by the processing unit 270. In this case, the effort required for the merchant to perform the information change procedure at the financial institution can be reduced.

[0084] Furthermore, the processing specification information acquisition unit 280 of the payment server 100 may acquire in advance from the second store terminal device 70 processing specification information 296 that specifies which of the above (1) to (3) should be executed when the merchant relationship information 292a is changed by an operation on the second store terminal device 70. For example, the processing specification information acquisition unit 280 may acquire the processing specification information 296 from the merchant via the merchant interface 72. Then, when the merchant relationship information 292a is changed by an operation on the second store terminal device 70, the processing unit 270 may execute the processing according to the processing specification information 296 from the above processing (1) to (3). This makes it possible to perform processing according to the merchant's wishes.

[0085] [Differentiation] The information processing system according to this embodiment may be configured to support merchants in opening multiple types of accounts operated by multiple financial institutions. In this case, the information processing system shown in Figure 1 may include multiple financial institution servers 300 used by different financial institutions. The first display control unit 220 of the settlement server 100 may be capable of displaying application information on the second store terminal device 70 (merchant interface 72) for multiple financial institutions. The storage unit 290 of the settlement server 100 may also store multiple correspondence information 294 associated with each financial institution in advance. The first screening information acquisition unit 230 may, when an application display is operated, refer to the correspondence information 294 related to the financial institution corresponding to that application display, and convert the merchant-related information 292a into screening information 392a used by the financial institution corresponding to the operated application display. In other words, the first screening information acquisition unit 230 may change the correspondence information 294 used for information conversion depending on the financial institution from which the merchant wishes to open an account. Furthermore, the information provision unit 240 may provide the converted screening information 392a to the financial institution server 300 used by the financial institution corresponding to the operated application display. This makes it possible to support the opening of an account at a financial institution according to the merchant's wishes, or to support the opening of accounts at multiple financial institutions by the merchant. In addition, since the information used for screening may differ from one financial institution to another, by performing information conversion using corresponding information 294 for each financial institution, it is possible to provide appropriate information to each of the multiple financial institutions.

[0086] [Summary] According to the embodiment described above, the payment server 100 (an example of an information processing device) includes a storage unit 290 that stores merchant-related information 292a concerning merchants of the electronic payment service, a first display control unit 220 that causes a second store terminal device 70 (an example of a merchant device) used by the merchant to display an application display for applying to open a financial institution account operated by a predetermined financial institution, a first screening information acquisition unit 230 that, when an operation is made on the application display, acquires information based on the merchant-related information 292a for the financial institution to conduct a screening of the merchant's application to open a financial institution account, and an information provision unit 240 that provides the acquired information to a financial institution server 300 (an example of a financial institution device) used by the financial institution. This makes it possible to provide an account opening support service that is easy for merchants of the electronic payment service to use.

[0087] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the invention. Furthermore, the above embodiments may be combined as appropriate. [Explanation of Symbols]

[0088] 70...Second store terminal device 100... Payment Server 220...First display control unit 230...1st Examination Information Acquisition Department 240…Information Department 250…Completion notification acquisition unit 260...Status acquisition section 270... Processing Unit 280... Processing specification information acquisition unit 290...Storage section 292a... Information related to member stores 294...Compatibility Information 296… Processing specification information 300…Financial institution server 320...Second Review and Information Acquisition Department 330...Second display control unit 350... Remittance Designation Information Acquisition Unit 360... Account Opening Department 370… Finished. Notification Department 380…Revision Notification Department 390…Memory Department 392a…Information for review 394…Special Information on Sending Gold NT… Notification that the opening is complete

Claims

1. A memory unit that stores merchant-related information about merchants participating in electronic payment services, The merchant equipment used by the aforementioned merchant includes a first display control unit that causes the merchant to display an application form for applying to open an account operated by a designated financial institution, When an operation is performed on the aforementioned application display, a first screening information acquisition unit obtains the aforementioned merchant-related information by referring to correspondence information which associates the aforementioned merchant-related information with the screening information that the financial institution uses to screen the opening of the aforementioned account by the aforementioned merchant, thereby converting the aforementioned merchant-related information into the aforementioned screening information. The system includes an information provision unit that provides the acquired screening information to the financial institution equipment used by the financial institution, Information processing device.

2. The aforementioned merchant-related information includes classification information indicating the type of business, products and / or services handled by the merchant in the aforementioned electronic payment service, The correspondence information includes information relating the classification information in the electronic payment service to the classification information used in the financial institution's screening process. The first screening information acquisition unit, by referring to the corresponding information, converts the classification information included in the merchant-related information into the classification information used in the screening of the financial institution. The information provision unit provides the financial institution device with the examination information, including the converted classification information. The information processing apparatus according to claim 1.

3. The first display control unit enables the display of the application information on the merchant device for multiple financial institutions. The first screening information acquisition unit, by referring to the correspondence information associated with each financial institution, converts the merchant-related information into the screening information used by the financial institution corresponding to the operated application display. The information provision unit provides the converted screening information to the financial institution equipment used by the financial institution that corresponds to the operated application display. The information processing apparatus according to claim 1.

4. The system further includes a selection unit that selects the member stores to display the application display based on the member store-related information, The first display control unit causes the selected member store to display the application display on the member store device used by the member store. The information processing apparatus according to claim 1.

5. A status acquisition unit that acquires the status of the review and / or opening from the financial institution equipment, The system further comprises a status provision unit that provides information based on the acquired status to the merchant device, The information processing apparatus according to claim 1.

6. A completion notification acquisition unit obtains an account opening completion notification from the financial institution equipment, which includes merchant identification information for identifying the merchant where the account was opened, indicating the completion of the account opening. The system further includes a remittance management unit that, in response to the notification of completion of opening, sets the remittance destination account to which the sales proceeds from the electronic payment service of the merchant related to the merchant identification information will be sent to the opened account. The information processing apparatus according to claim 1.

7. The notification of completion of account opening further includes remittance designation information obtained by the financial institution's equipment at the time of the merchant's application for opening, indicating whether the merchant designates the account opened by the application as the remittance destination account. The remittance management unit switches whether or not to set the recipient account to the account that was opened, according to the remittance designation information. The information processing apparatus according to claim 6.

8. The aforementioned notification of completion of account opening further includes the account number of the opened account, The aforementioned remittance management department, If the aforementioned merchant has designated the aforementioned account as the recipient account at the time of application, the aforementioned account will be automatically set as the recipient account of the aforementioned merchant based on the account number. If the merchant has not designated the account as the recipient account at the time of application, and the merchant has instructed the information processing device via the merchant device to set the opened account as the recipient account, the opened account will be set as the merchant's recipient account based on the account number. The information processing apparatus according to claim 7.

9. After the aforementioned establishment is completed, the system further includes a processing unit that performs at least one of the processes (1) to (3) when the merchant-related information is changed by an operation on the merchant device, (1) Provide the financial institution equipment with information based on the changed merchant-related information. (2) The merchant device requests approval from the merchant, and if approval is obtained, the process described in (1) above is performed. (3) Output a notification to the merchant device prompting it to change the information linked to the opened account in the same way as the merchant-related information. The information processing apparatus according to claim 1.

10. The system further includes a processing specification information acquisition unit that acquires processing specification information from the merchant device to specify which of the processes (1) to (3) above should be executed when the merchant-related information is changed by an operation on the merchant device, The processing unit executes the processing according to the processing specification information among the processing (1) to (3) above. The information processing apparatus according to claim 9.

11. An information processing device according to any one of claims 1 to 10, The financial institution equipment comprises, The aforementioned financial institution equipment is A second examination information acquisition unit acquires information provided by the aforementioned information provision unit, The system includes a second display control unit that causes the merchant device that has performed an operation on the application display to display an input display for the financial institution to input information used for the screening process, The second display control unit causes the merchant device to display the input display in which the review information provided by the information provision unit has already been entered. Information processing system.

12. The aforementioned financial institution equipment is A remittance designation information acquisition unit obtains remittance designation information, which indicates whether the merchant designates the account opened by the application as the recipient account to which the merchant's sales proceeds in the electronic payment service will be sent, based on an operation on the merchant device, when the merchant applies for the account to be opened. An account opening completion notice indicating the completion of the account opening, further comprising a completion notice unit that outputs the account opening completion notice, which includes merchant identification information for identifying the merchant where the account was opened, and the remittance designation information, to the information processing device, The aforementioned information processing device is A completion notification acquisition unit that acquires the aforementioned establishment completion notification, The system further comprises a remittance management unit that, in response to the notification of completion of opening, sets the remittance destination account of the merchant relating to the merchant identification information in the opened account, The remittance management unit switches whether or not to designate the recipient account as the account that was opened, according to the remittance designation information. The information processing system according to claim 11.

13. The second display control unit displays the input display which allows the already entered review information to be modified by operation on the merchant device. The system further includes a modification notification unit that notifies the information processing device and / or the financial institution's device in response to a modification of the screening information resulting from an operation on the merchant's device. The information processing system according to claim 11.

14. A financial institution device used by a financial institution to accept applications from merchants of an electronic payment service to open an account operated by a designated financial institution, A second screening information acquisition unit obtains information from an information processing device that manages information on merchants of the electronic payment service, based on merchant-related information concerning the merchants of the electronic payment service, for the financial institution to conduct a screening of the merchant's application to open the account; A remittance designation information acquisition unit obtains remittance designation information at the time of the merchant's application for the account opening, based on the merchant's operation on the merchant's device used by the merchant, indicating whether the merchant designates the account opened by the application as the recipient account to which the merchant's sales proceeds in the electronic payment service will be sent. The account opening department opens accounts based on the information used for the aforementioned review, The system includes an account opening completion notice indicating the completion of the account opening, which includes merchant identification information for identifying the merchant where the account was opened, and remittance designation information, and outputs the account opening completion notice to the information processing device, The information for performing the aforementioned review is information obtained by the information processing device by converting the merchant-related information into the review information, by referring to correspondence information which associates the merchant-related information with the review information used by the financial institution for reviewing the opening of the account by the merchant. Financial institution equipment.

15. A computer that stores merchant-related information about merchants participating in electronic payment services, The merchant equipment used by the aforementioned merchant will display an application form for applying to open an account operated by a designated financial institution. When an operation is performed on the aforementioned application display, the merchant-related information and the screening information used by the financial institution for screening the opening of the aforementioned account by the merchant are linked together, and the merchant-related information is converted into the screening information and obtained. The acquired screening information is provided to the financial institution equipment used by the financial institution. Information processing methods.

16. A computer that stores merchant-related information about merchants participating in electronic payment services, The merchant equipment used by the aforementioned merchant will display an application form for applying to open an account operated by a designated financial institution. When an operation is performed on the aforementioned application display, the merchant-related information and the screening information used by the financial institution for screening the opening of the account by the merchant are linked together, and the merchant-related information is converted into the screening information and obtained. The acquired screening information is provided to the financial institution's equipment used by the financial institution. program.

17. A storage unit for storing merchant-related information concerning merchants of an electronic payment service, The merchant equipment used by the aforementioned merchant includes a first display control unit that causes the merchant to display an application form for applying to open an account operated by a designated financial institution, When an operation is performed on the aforementioned application display, the first screening information acquisition unit acquires the aforementioned merchant-related information, The system includes an information provision unit that provides the acquired merchant-related information to the financial institution equipment used by the financial institution, Information processing device.

18. A financial institution device used by a financial institution that accepts applications from merchants of an electronic payment service to open an account operated by a designated financial institution, A second examination information acquisition unit acquires merchant-related information concerning the merchants of the electronic payment service from an information processing device that manages information on merchants of the electronic payment service, A remittance designation information acquisition unit obtains remittance designation information at the time of the merchant's application for the account opening, based on the merchant's operation on the merchant's device used by the merchant, indicating whether the merchant designates the account opened by the application as the recipient account to which the merchant's sales proceeds in the electronic payment service will be sent. The Account Opening Department, which opens accounts based on the aforementioned merchant-related information, The system includes an account opening completion notice indicating the completion of the account opening, and a completion notice unit that outputs the account opening completion notice to the information processing device, the notice including merchant identification information for identifying the merchant where the account was opened and the remittance designation information, Financial institution equipment.

19. A computer that stores merchant-related information concerning merchants of an electronic payment service, The merchant equipment used by the aforementioned merchant will display an application form for applying to open an account operated by a designated financial institution. When an operation is performed on the aforementioned application display, the aforementioned merchant-related information is obtained, The acquired merchant-related information is provided to the financial institution's equipment used by the financial institution. Information processing methods.

20. A computer that stores merchant-related information concerning merchants of an electronic payment service, The merchant equipment used by the aforementioned merchant will display an application form for applying to open an account operated by a designated financial institution. When an operation is performed on the aforementioned application display, the aforementioned merchant-related information is obtained. The acquired merchant-related information is provided to the financial institution's equipment used by the financial institution. program.

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