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

Abstract

To improve convenience for member stores. [Solution] An information processing device comprising: a first processing unit that provides merchant identification information for identifying merchants of an electronic payment service to a financial institution server of a financial institution that manages bank accounts, and obtains account information relating to the merchant's bank account from the financial institution server based on the bank account information managed by the financial institution and the merchant identification information; and a second processing unit that controls the display content of the interface screen viewed by the merchant based on the account information.

Description

Technical Field

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

Background Art

[0002] Conventionally, when a user applies for an account, application information such as the user's name, address, and contractor number transmitted from the user terminal is obtained, and contract information such as the user's name, address, and contractor number transmitted from the business operator's business system is obtained. The application information and the contract information are compared, and when both pieces of information match, it is determined that the user's identity verification has succeeded, and a new account opening method for automatically opening a new account for the user is disclosed (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the conventional technology, the convenience in franchise stores of electronic payment services has not been sufficiently considered.

[0005] The present invention has been made in consideration of such circumstances, and one of the objects is to provide an information processing apparatus, an information processing system, an information processing method, and a program that can improve the convenience of franchise stores.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device that provides merchant identification information for identifying merchants of an electronic payment service to a financial institution server of a financial institution that manages bank accounts, retrieves account information relating to the merchant's bank account from the financial institution server based on the bank account information managed by the financial institution and the merchant identification information, and controls the display content of the interface screen viewed by the merchant based on the account information. [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, an information processing method, and a program that can improve the convenience of affiliated stores. [Brief explanation of the drawing]

[0008] [Figure 1] This diagram shows an example of a configuration for implementing an electronic payment service. [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 is a diagram showing the configuration of payment server 100. [Figure 5] This figure shows an example of the contents of user information 182. [Figure 6] This diagram shows an example of the contents of merchant / store information 186. [Figure 7] This figure shows an example of merchant management information 188. [Figure 8] This is a diagram illustrating the configuration of the financial institution server 300. [Figure 9] This figure shows an example of the contents of account information 360. [Figure 10] This sequence diagram shows an example of the processing flow executed by the settlement server 100 and the financial institution server 300. [Figure 11] This figure shows an example of the contents of merchant account information 370. [Figure 12] This sequence diagram shows an example of the processing flow executed by the payment server 100 and the merchant interface 72 (second store terminal device 70). [Figure 13] This figure shows an example of recommendation information. [Figure 14] This figure shows an example of interface screen IF1 displayed in the merchant interface 72. [Figure 15] This is a diagram showing the interface screen IF2. [Figure 16] This diagram shows the interface screen IF3. [Figure 17] This diagram shows the interface screen IF4. [Figure 18] This flowchart shows an example of the processing flow performed by the payment server 100. [Figure 19] This figure shows an example of the interface screen IF11 for applying for the early payment service. [Figure 20] This figure shows an example of interface screen IF12, which includes information about deposits. [Modes for carrying out the invention]

[0009] Hereinafter, embodiments of an information processing apparatus, an information processing system, an information processing method, and a program of the present invention will be described with reference to the drawings. Various apparatuses such as "servers", "management apparatuses", and "information providing apparatuses" that provide services to users or perform internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the owner of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. The store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a subject different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it may be controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, the store is, for example, treated as belonging to a franchise (brand), and processes such as settlement when a purchase action is performed in the store are mainly carried out between the user and the franchise. Instead of this, processes such as settlement may be carried out between the user and the store.

[0010] [Electronic Payment Service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized centering around a settlement server 100. The settlement server 100 communicates with each of, 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, and a financial institution server 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the settlement application 20 is executed by a processor such as a CPU, and it operates to provide an electronic payment service to the user in cooperation with the payment server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet, personal computer, etc. The affiliated store interface 72 operates on the second store terminal device 70. The affiliated store interface 72 may be an affiliated store application or a browser. The affiliated store interface 72 accepts coupon settings etc. from the affiliated store 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 affiliated store application, or reading a code image displayed by the user terminal device 10.

[0014] 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.

[0015] 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.

[0016] 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.

[0017] 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).

[0018] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" and "user 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.

[0019] [Payment Server] Figure 4 is a diagram of the configuration of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content provision unit 120, a payment processing unit 130, an information management unit 140, a processing unit 150, and a storage unit 180. Components other than the communication unit 110 and the storage unit 180 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), and GPU (Graphics Processing Unit), or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device 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. Information Management Unit 140 is an example of a "First Processing Unit". The Processing Unit is an example of a "Second Processing Unit".

[0020] The storage unit 180 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 180 may also be a NAS (Network Attached Storage) device that the payment server 100 can access via the network. The storage unit 180 stores information such as user information 182, content information 184, merchant / store information 186, merchant management information 188, and merchant account information 190. Each piece of information will be described later.

[0021] 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.

[0022] The 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 merchant interface 72, etc. The content provision unit 120 reads the necessary content from the content information 184 as appropriate and provides it to the target device, etc. 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, etc. to the payment server 100.

[0023] 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 182.

[0024] Figure 5 shows an example of the contents of User Information 182. User Information 182 is an example of user registration information. User Information 182 includes, for example, user URL, account ID, phone number, password, as well 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.

[0025] The user URL is used for processing payments between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (or not set). Similarly, the email address, name, address, and date of birth (age) are also information that the user can optionally set (or not set). If identity verification has been performed, for example, the address and age will be the address and age confirmed through identity verification. 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.

[0026] 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 numbers, respectively, are information (account number, card number) of a bank account or credit card number that can be used to deposit funds into the electronic payment service. In addition to the bank account, user information 182 may also include information such as the name of the bank account holder, the bank name, branch name, bank identification information, and branch identification information (branch number). 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 is information that 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.).

[0027] Figure 6 shows an example of the contents of the merchant / store information 186. The merchant / store information 186 includes, for example, a first table 186A in which the merchant ID, store ID, and account information are associated with the store URL; a second table 186B in which the merchant name and sales amount (as described above) are associated with the merchant ID; and a third table 186C in which the store name and store address are associated with the store ID. The account information is the account into which sales from electronic payments in the electronic payment service are deposited.

[0028] The Information Management Unit 140 acquires various information from the user terminal device 10 or the second store terminal device 70 and manages the acquired information. Based on the information acquired from the user terminal device 10 or the second store terminal device 70, the Information Management Unit 140 manages user information 182 and merchant / store information 186. The Information Management Unit 140 adds, edits, and deletes new records for user information 182 and merchant / store information 186. The Information Management Unit 140 also sends and receives information with the financial institution server 300 (described later).

[0029] Details of the processing in the processing unit 150 will be described later.

[0030] [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 182 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 the amount corresponding to the sales proceeds item value is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service. The merchant may 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.

[0031] 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 that cooperates 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 182 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 20. 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 the bank account. This processing is performed by the operator of the credit card company. If the user has a gift certificate that can be used at the merchant, the payment server 100 performs electronic payment using the gift certificate held. In electronic payment, the amount that is insufficient with the gift certificate is settled by other payment methods.

[0032] [Member store management information] Here, we will explain the merchant management information 188. Merchant management information 188 is information provided to the financial institution server 300. Figure 7 is a diagram showing an example of merchant management information 188. Merchant management information 188 includes merchant management information 188 for corporations and merchant management information 188 for sole proprietors. Merchant management information 188 for corporations includes identification information for identifying the merchant (e.g., merchant ID and store ID), as well as corporate number, corporate name, corporate name in katakana, registered address (e.g., postal code), information on the set deposit account (account for receiving sales proceeds), and GMV (Gross Merchandise Value) information related to electronic payments for the electronic payment service during a specified period. The deposit account information includes, for example, the bank name, account number, and branch number.

[0033] The merchant management information 188 for sole proprietors includes identification information for identifying the merchant (e.g., merchant ID or store ID), the sole proprietor's name or name in katakana, date of birth, information on the designated deposit account (account for receiving sales proceeds), and GMV information related to electronic payments for the electronic payment service during a specified period.

[0034] Merchant account information 190 is information provided by the financial institution server 300. Merchant account information 190 will be described later.

[0035] [Financial institution server] Figure 8 is a diagram of the configuration of the financial institution server 300. The financial institution server 300 includes, for example, a communication unit 310, an acquisition unit 320, an information processing unit 330, and a storage unit 350. Components other than the communication unit 310 and the storage unit 350 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, and GPUs, 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.

[0036] The storage unit 350 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 350 may also be a NAS device that can be accessed by the financial institution server 300 via a network. The storage unit 350 stores account information 360 and merchant account information 370.

[0037] 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.

[0038] The acquisition unit 320 acquires information provided by other devices. For example, the acquisition unit 320 acquires information provided by a payment server 100 or a user terminal device 10 used by a user.

[0039] The information processing unit 330 performs various processes such as opening bank accounts, managing bank accounts, and transferring funds in bank accounts. The information processing unit 330 identifies bank accounts held by merchants in the merchant management information 188 provided by the settlement server 100 from the account information 360, and provides the information of the identified bank accounts to the settlement server 100.

[0040] [Account Information] Figure 9 shows an example of the contents of account information 360. Account information 360 is information about bank accounts managed by a bank, which is a financial institution on the financial institution server 300. Account information 360 is information that associates, for example, the account number, account type, branch number, account holder name, address, and other information provided to the account holder when the account was opened. For example, account information 360 may include information included in the aforementioned corporate merchant management information 188 and information included in the aforementioned sole proprietor merchant management information 188.

[0041] The merchant account information 370 is information about a bank account held by a merchant, which the information processing unit 330 identifies from the merchant management information 188 provided by the settlement server 100 (see Figure 11 below).

[0042] [Processing related to identifying bank accounts] The payment server 100 provides merchant management information 188 (merchant identification information) to the financial institution server 300 of the financial institution that manages the bank accounts, in order to identify the merchants of the electronic payment service. Based on the bank account information (account information 360) managed by the financial institution and the merchant management information 188, the payment server 100 obtains account information regarding the merchant's bank account that the financial institution server 300 has obtained. Based on the account information (merchant account information 190), the payment server 100 controls the content displayed on the interface screen viewed by the merchant.

[0043] For example, the payment server 100 controls the information provided to the merchant depending on whether or not the merchant has a bank account with the financial institution of the financial institution server 300. For example, if the merchant has a bank account, the payment server 100 changes the displayed content according to the type of bank account held. For example, the payment server 100 controls the information displayed depending on whether the account held by the merchant is a corporate bank account, a sole proprietorship bank account, or a personal bank account. For example, if the merchant has a corporate bank account or a sole proprietorship bank account, it is recommended that they set the corporate bank account or sole proprietorship bank account as the deposit account. For example, if the merchant has a personal bank account with the financial institution or does not have a bank account with the financial institution, it is recommended that they open a business bank account such as a corporate bank account or a sole proprietorship bank account.

[0044] For example, if the payment server 100 has a bank account but has not set it up as a deposit account for the electronic payment service, it will display an interface screen on the merchant interface 72 (the display unit of the merchant's terminal device) that includes recommendation information recommending that the merchant set up a bank account (e.g., a business bank account) as a deposit account.

[0045] The payment server 100 displays an interface screen on the merchant interface 72 that includes recommendation information recommending that the customer open a bank account (for example, a business bank account) with a financial institution if they do not have a bank account.

[0046] Setting a business bank account as the deposit account for electronic payment services is advantageous for merchants. Transfer fees for business bank accounts are often lower than those for other bank accounts, and sales proceeds are deposited more quickly. Furthermore, when merchants need to deposit sales proceeds into their bank account faster than usual, setting a business bank account as the deposit account can result in lower processing fees and potentially lead to more favorable loan terms from the bank.

[0047] In this embodiment, we describe an example where it is recommended to set up a deposit account in a business bank account. However, instead of this (or in addition to this), it may also be recommended or a process may be performed to change the deposit account from a bank account at another financial institution to a bank account at the said financial institution. The said financial institution is, for example, a financial institution that partners with an electronic payment service, and by setting up a bank account at this financial institution as the deposit account, merchants may be able to receive more advantageous services or have deposit and other fees set lower.

[0048] [Sequence Diagram (Identifying Account Information)] The financial institution server 300 identifies merchants who have a bank account with the financial institution based on account information 360, which includes identification information for identifying merchants (e.g., either or both of the merchant ID and store ID) and bank account information, and merchant management information 188 (merchant identification information), which includes identification information for identifying merchants and is managed by the electronic payment service and provided by the payment server 100. Then, as described later, the payment server 100 obtains the information of the identified merchant and bank account, and if the merchant has a bank account with the financial institution and has not set the bank account as a deposit account for use in the electronic payment service, it displays an interface screen containing recommendation information on the identified merchant's merchant interface 72 that recommends setting the bank account as a deposit account.

[0049] Furthermore, recommendations may be made for a predetermined type of bank account, as follows. A predetermined bank account is, for example, a business bank account. The financial institution server 300 identifies merchants who have a corporate bank account or a sole proprietor's bank account based on account information 360, which includes identification information for identifying merchants and bank account information, and merchant information, which includes identification information for identifying merchants, managed by the electronic payment service and provided by the payment server 100. Then, as described later, the payment server 100 obtains the information of the identified merchant and bank account, and if the merchant has not set the bank account as a deposit account to be used in the electronic payment service, it displays an interface screen containing recommendation information recommending that the identified merchant set the bank account as a deposit account on the merchant interface 72 of the identified merchant.

[0050] The above merchant management information 188 includes (1) or (2) and (3), as shown in Figure 7. (1) Corporate number, corporate name (2) Name, date of birth (3) Identification information that identifies the merchant in the electronic payment service (for example, either or both of the merchant ID and store ID) The above merchant management information 188 (merchant identification information) is just an example; any information that uniquely identifies a merchant is acceptable and is not limited to that.

[0051] Figure 10 is a sequence diagram showing an example of the processing flow performed by the payment server 100 and the financial institution server 300. This processing may be performed at predetermined times, such as once a day or once a month, or it may be performed in real time to obtain bank account information from the financial institution server 300. For example, it may be performed immediately before the payment server 100 provides predetermined information to the merchant interface 72 (for example, when an operation to display a predetermined interface screen is performed).

[0052] First, the settlement server 100 provides the merchant management information 188 to the financial institution server 300 (S100). At this time, consent may be obtained from the merchant to provide the merchant management information 188 to the financial institution server 300. Next, the financial institution server 300 matches the account information 360 with the merchant management information 188 to identify the bank accounts held by the merchant in the merchant management information 188 (S102). For example, the financial institution server 300 identifies the bank accounts in the account information 360 that have information that matches the information contained in the merchant management information 188 (information such as corporate name, corporate number, address, name, date of birth, etc.). For example, the settlement server 100 identifies the bank accounts in the account information 360 that have a corporate number associated with the corporate number that matches the corporate number in the merchant management information 188.

[0053] Next, the financial institution server 300 transmits the merchant account information 370, including the identified bank account, to the settlement server 100 (S104). Figure 11 shows an example of the contents of the merchant account information 370. As shown in the figure, the merchant account information 370 is a list of the identified merchant's bank accounts (corporate bank accounts or sole proprietor bank accounts) from the account information 360. The merchant account information 370 includes information such as account number, store number, and account holder name. The settlement server 100 can recognize from the account holder name whether it is a bank account for a sole proprietor or a corporation. For example, the settlement server 100 considers an account to be a corporate bank account if the account holder name contains keywords indicating a corporation, such as a limited liability company, a general partnership, a certain company, or a certain corporation, and considers it to be a bank account for a sole proprietor otherwise. The merchant account information 370 may also include information indicating the account type, such as whether it is a bank account for a sole proprietor or a corporation.

[0054] As described above, the payment server 100 can obtain information about the bank accounts of the merchant's financial institutions. The payment server 100 manages the obtained bank account information as merchant account information 190.

[0055] In this case, the payment server 100 may identify merchants who have a bank account with the financial institution but have not set it as a deposit account, and manage the identification information (merchant ID or store ID) of the identified merchants by associating it with a first flag. Alternatively, the payment server 100 may identify merchants who do not have a bank account with the financial institution, and manage the identification information (merchant ID or store ID) of the identified merchants by associating it with a second flag. For example, the storage unit 180 stores correspondence information in which recommendation information corresponding to merchants with the first flag is associated with recommendation information corresponding to merchants with the second flag. The payment server 100 provides recommendation information according to the merchant by referring to the correspondence information. The second flag may be subdivided, with second flag A set if the merchant has a corporate bank account, and second flag B set if the merchant has a sole proprietorship bank account, and recommendation information corresponding to second flag A and second flag B in the correspondence information may be associated with them.

[0056] In the example above, the financial institution server 300 was described as providing information on corporate bank accounts and sole proprietor bank accounts to the settlement server 100. However, instead, it may provide the settlement server 100 with information on bank accounts related to merchants (sole proprietors or corporations) (bank accounts held by sole proprietors or corporations).

[0057] [Sequence Diagram (Providing Recommendation Information)] Figure 12 is a sequence diagram showing an example of the processing flow executed by the payment server 100 and the merchant interface 72 (second store terminal device 70). The payment server 100 displays recommendation information on an interface screen that manages merchant information used by merchants in the electronic payment service. The interface screen that manages merchant information is, for example, a screen that manages the sales of the merchant's electronic payment service or a screen that creates and manages merchant content and coupons for the electronic payment service. For example, merchants are logged into the service provided by the payment server 100, and the payment server 100 can recognize which merchants it is providing services to. Alternatively, the payment server 100 may identify merchants by other methods. For example, the payment server 100 may recognize merchants by including information that can identify them in its communication with the merchant interface 72.

[0058] The payment server 100 receives a content display request from the merchant interface 72 (S200). The payment server 100 refers to the merchant / store information 186 and the merchant account information 190 (S202), generates recommendation information according to the merchant's bank account settings and holdings (S204), and displays the recommendation information on the merchant interface 72 (S206).

[0059] In this case, the payment server 100 may provide recommendation information by referring to a flag (first flag or second flag) associated with the merchant's identification information, and correspondence information that associates the flag with recommendation information.

[0060] Figure 13 shows an example of recommendation information. The case where the merchant is a corporation will be explained. If the merchant does not have a corporate bank account, the payment server 100 will recommend to the merchant that opening a corporate bank account and setting it as the deposit account will result in lower fees, as shown in Figure 13 (A). As described above, even if the merchant or the representative of the merchant has a bank account with the financial institution in question, if they do not have a corporate bank account, opening a corporate bank account will be recommended.

[0061] If a merchant has a corporate bank account but has not set it as a deposit account, the payment server 100 recommends to the merchant that setting the corporate bank account as a deposit account would result in lower fees, as shown in Figure 13 (B). As described above, if a merchant or the representative of the merchant has a corporate bank account with the financial institution in question but has not set it as a deposit account, it is recommended that they set the corporate bank account as a deposit account. In addition, each of the above recommendations may also recommend that the deposit of sales proceeds from the electronic payment service is faster than with other bank accounts.

[0062] This section explains the case where the merchant is a sole proprietor. If the merchant does not have a bank account for sole proprietorships, the payment server 100 recommends to the merchant that opening such an account and setting it as the deposit account will result in lower fees. As described above, even if the merchant or the representative of the merchant has a bank account with the financial institution in question, if they do not have a bank account for sole proprietorships, opening such an account will be recommended.

[0063] If a merchant has a bank account for sole proprietorships but has not set it as a deposit account, the payment server 100 recommends to the merchant that setting the sole proprietorship bank account as a deposit account would result in lower fees. As described above, if a merchant or the representative of the merchant has a bank account for sole proprietorships at the financial institution in question but has not set it as a deposit account, it is recommended that they set the sole proprietorship bank account as a deposit account. In addition, each of the above recommendations may also recommend that the deposit of sales proceeds from the electronic payment service is faster than that of other bank accounts.

[0064] If a customer does not have one of the above-mentioned corporate bank accounts or sole proprietor bank accounts, and a button located in or near the recommendation information related to the above-mentioned recommendations is operated, the payment server 100 or financial institution server 300 may display an interface screen for opening a bank account on the merchant interface 72.

[0065] For example, if the payment server 100 displays an interface screen for opening a bank account, the merchant management information 188 (such as name and company name) and other information necessary for the merchant application managed by the payment server 100 may be pre-set in the corresponding input fields on the interface screen to reduce the effort required for input. The entered information is then provided, for example, from the payment server 100 to the financial institution server 300.

[0066] Furthermore, when a merchant performs an operation to open a bank account (third operation), the payment server 100 may provide the financial institution server 300 with merchant management information 188 (such as name and company name) and other information necessary for the application regarding the merchant, which is managed by the payment server 100. The financial institution server 300 may reduce the effort required for input by pre-setting the information obtained from the payment server 100 in the corresponding input fields on the interface screen for applying to open a bank account.

[0067] The above describes the holding of bank accounts for corporations and bank accounts for sole proprietors, but recommendations may also be made based on the existing bank account holdings at the financial institution, without considering whether the account is for a corporation or a sole proprietor.

[0068] Furthermore, in providing the above recommendation information, if the bank account of the financial institution in question is set as the deposit account, the fees for depositing sales proceeds or the deposit cycle for sales proceeds will be the same as or equivalent to when the merchant has set a bank account for sole proprietorships or a bank account for corporations as the deposit account. For this reason, if the bank account of the financial institution in question is set as the deposit account, recommendations may be made regarding loans that can be obtained on favorable terms or loan procedures or screenings that are simplified for the merchant. In addition, information such as campaigns (30 free transfers) may be provided when a new bank account for sole proprietorships or a bank account for corporations is opened. In this way, the payment server 100 can provide useful information to merchants by controlling the recommendation information according to the merchant's deposit account.

[0069] Furthermore, the payment server 100 may set incentives for setting a bank account of the financial institution as a deposit account based on target information such as the merchant's GMV, industry, and usage status of electronic payment services (e.g., usage period, degree of coupon creation, business loan usage status, etc.). Incentives include, for example, fees, extensions of fee discount periods, and cashback. The payment server 100 determines the incentive by referring to information that associates pre-set target information with incentives, and provides the merchant with information on the determined incentive. Alternatively, incentives may be determined using a trained model that outputs an incentive corresponding to the target information when the target information is input. A trained model is a model that has been trained on training data. Training data is, for example, information that associates target information with incentives. A trained model is a model that has been trained to output an incentive associated with the target information when the target information is input. The incentive associated with the target information in the training data is an incentive that makes it highly likely that the merchant of the target information will set a bank account of the financial institution as a deposit account. This allows the payment server 100 to further encourage the setting of a bank account of the financial institution as a deposit account.

[0070] [Interface screen] The payment server 100 displays the aforementioned interface screen on the merchant interface 72, which includes some or all of the following: information on transactions using the electronic payment service (Figure 14), information on deposits from the electronic payment service (Figure 20), information for applying for a service to expedite deposits beyond a pre-set cycle (Figure 19), and recommendation information (e.g., Figure 13). The recommendation information may be included at different times or on different interface screens than those described above.

[0071] [Interface screen (transaction information)] Figure 14 shows an example of interface screen IF1 displayed on the merchant interface 72. Interface screen IF1 is the screen for the services that the electronic payment service provides to merchants. As mentioned above, this service allows merchants to manage their sales and deposits, create coupons, and create merchant content. If a merchant is a corporation and has a corporate bank account but has not set it as a deposit account, the payment server 100 displays on the home screen of the above service information information about setting it as a deposit account, the benefits of setting it as a deposit account, and a setting button B1 for setting it as a deposit account. This encourages merchants to set their corporate bank account as a deposit account.

[0072] When the setting button B1 is pressed, the payment server 100 displays the interface screen IF2 on the merchant interface 72. Figure 15 shows the interface screen IF2. The interface screen IF2 includes information showing the benefits of setting a corporate bank account as the deposit account, and the setting button B2. The display of the interface screen IF2 may be omitted.

[0073] When the setting button B2 is pressed, the payment server 100 displays the interface screen IF3 on the merchant interface 72. Figure 16 shows the interface screen IF3. The interface screen IF3 includes the merchant's bank account information obtained from the financial institution server 300, the currently set bank account information, and the setting button B3. By referring to this interface screen IF3, the merchant can confirm the bank account before the change and the bank account they are trying to change to.

[0074] When the setting button B3 is pressed, the payment server 100 displays the interface screen IF4 on the merchant interface 72. Figure 17 shows the interface screen IF4. The interface screen IF4 includes the merchant's bank account information obtained from the financial institution server 300, the currently set bank account information, and information (Primary in the figure) indicating that the merchant's bank account obtained from the financial institution server 300 is set as the deposit account. When the setting button B3 is pressed on the interface screen IF3, the payment server 100 updates the deposit account by changing the account information in the first table 206A of the merchant / store information 186.

[0075] As described above, when a merchant performs a first operation to set a deposit account for the recommendation information (for example, by pressing setting button B1 in Figure 14 or setting button B2 in Figure 15), the payment server 100 displays the bank account information obtained from the financial institution server 300 on the merchant interface 72. When a second operation to set a bank account as a deposit account is performed (for example, by pressing setting button B3 in Figure 16), the payment server 100 sets the deposit account (associated with merchant identification information stored in the memory unit) of the merchant / store information 186 to that bank account.

[0076] In this way, merchants can change their bank account settings with simple operations based on recommended information. This improves convenience for merchants.

[0077] Furthermore, if a participating store is a sole proprietor and has a bank account for sole proprietorships but has not set it as the deposit account, it will be recommended to set it as the sole proprietorship bank account, and the setting can be changed as described above.

[0078] Furthermore, if a merchant has multiple business bank accounts, the payment server 100 may obtain information on those multiple business bank accounts from the financial institution server 300. In this case, the payment server 100 may present the information on the multiple business bank accounts to the merchant and set the bank account selected by the merchant as the deposit account. For example, the multiple business bank accounts may be presented on interface screen IF3 or other interface screens. This further improves convenience for merchants.

[0079] [flowchart] Figure 18 is a flowchart illustrating an example of the processing flow performed by the payment server 100. This flowchart shows the processing after the payment server 100 provides recommendation information to the merchant interface 72.

[0080] First, the payment server 100 determines whether or not an account setup operation (first operation) has been performed (whether or not the setup button has been pressed) (S300). If an account setup operation has been performed, the payment server 100 displays the account information (interface screen IF3) on the merchant interface 72 (S302).

[0081] Next, the payment server 100 determines whether the merchant has checked the account information and performed the setting operation (second operation) (S304). If the setting operation has not been performed, the processing of this flowchart ends. If the setting operation has been performed, the payment server 100 executes the process of changing the deposit account to a bank account of a financial institution (S306). Next, the payment server 100 displays a confirmation screen (interface screen IF4) on the merchant interface 72 (S308). This completes the processing of one routine in this flowchart.

[0082] As described above, the payment server 100 provides the merchant with information about the financial institution's bank account, allowing the merchant to set the bank account as a deposit account without any burden on the merchant when they perform the operation to set it as a deposit account. This improves convenience for merchants.

[0083] In the example above, we described an example where the deposit account settings are changed through a user flow that displays recommendation information. However, if a merchant changes the deposit account settings at a time different from the user flow that displays recommendation information, the payment server 100 may set the bank account of the financial institution as the deposit account without requesting the merchant to provide the bank account information of that financial institution. For example, the payment server 100 may present the interface screen IF3 shown in Figure 16 above, or present the bank account of the financial institution, and propose setting the bank account of that financial institution as the deposit account. This allows the merchant to easily set the bank account of that financial institution as the deposit account.

[0084] [Other examples of interface screens (deposit information)] In Figure 14 mentioned above, recommendation information was explained as being displayed on the home screen, but in addition to this (or instead), recommendation information may also be displayed on the screen for applying for the early payment service. Figure 19 is a diagram showing an example of the interface screen IF11 for applying for the early payment service. Interface screen IF11 is a screen that is displayed, for example, when a merchant performs a predetermined operation on the home screen. Interface screen IF11 displays the scheduled payment date, payment fee, and payment fee for each transaction, for example, when the early payment service (per transaction) is set, as corresponding information for the financial institution in question and other financial institutions. The early payment service is a service that transfers sales proceeds from electronic payment services earlier than the normal cycle. Interface screen IF11 includes recommendation information, providing information that setting the bank account of the financial institution in question as the deposit account results in faster deposits and lower fees compared to setting a bank account of another financial institution as the deposit account. Since setting the bank account of the financial institution in question as the deposit account is advantageous for merchants in this early payment service, it is preferable to provide recommendation information on this interface screen IF11.

[0085] [Other examples of interface screens (information for subscribing to a service that speeds up payment cycles)] Recommendation information may be displayed on the screen that provides information about deposits. Figure 20 shows an example of an interface screen IF12 that includes information about deposits. Interface screen IF12 is a screen that is displayed, for example, when a merchant performs a predetermined operation on the home screen. Interface screen IF12 displays information such as the start date of the next deposit processing and projected sales. Interface screen IF12 includes recommendation information, providing information that setting the bank account of the financial institution in question as the deposit account will result in faster deposits and lower transfer fees compared to setting a bank account of another financial institution as the deposit account. Since merchants can enjoy benefits by setting the bank account of the financial institution in question as the deposit account in relation to deposits, it is preferable to provide recommendation information on this interface screen IF12.

[0086] The above processes will improve convenience for merchants and enhance their cash flow. For example, merchants can easily change their deposit account to the designated bank account. This allows them to easily enjoy benefits such as shorter deposit cycles and reduced transfer fees, thereby improving their cash flow. Furthermore, it will encourage the setting of financial institutions' bank accounts as deposit accounts. By setting the bank accounts of financial institutions partnering with electronic payment services as deposit accounts, it is expected that engagement across the entire group will be strengthened and business synergies will be maximized. In addition, operational efficiency and cost reductions can be expected. Not only will marketing be automated and more efficient, but a reduction in transfer fee costs can be expected due to a decrease in the number of transfers to other banks. Furthermore, service revenue can be expected to improve. The use of services that rely on the use of the financial institution's bank account, such as early transfer services, will be promoted, and the creation of new revenue opportunities can be expected.

[0087] Furthermore, the financial institution server 300 can receive information on merchants participating in the electronic payment service and manage the bank account information of these merchants. For example, financial institutions can more reliably understand the business status of bank account holders (merchants) from the deposit status of sales proceeds from the electronic payment service into their bank accounts. This allows financial institutions to make appropriate proposals to merchants, such as loans and various services. The financial institution server 300 may also obtain the setting status of deposit accounts for recommendation information from the payment server 100. This allows financial institutions to recognize that their business bank account has been set as the deposit account for the electronic payment service, understand the monthly business status, and make appropriate proposals to merchants, such as loans and various services, as described above.

[0088] [Use of Generative AI] The electronic payment service may be equipped with artificial intelligence (AI). The payment server 100 and the artificial intelligence 400 can communicate via a network. The artificial intelligence 400 is trained to summarize input information, extract important keywords, and output information corresponding to the input information. The artificial intelligence 400 is a large-scale language model (LLM) that has learned from a large amount of information, such as information published or provided on the network, and is trained to output information corresponding to the input information and the request.

[0089] The Generating AI400 analyzes each merchant's attributes, behavioral history, usage of electronic payment services, and the types of interface screens provided (e.g., deposit, transaction, accelerated deposit cycle), and instead of a uniform appeal, it dynamically generates proposal information that is most acceptable to each individual merchant in terms of "timing," "design," "incentive," and "wording" for setting up the financial institution's bank account as a deposit account, thereby maximizing the conversion rate of account changes.

[0090] The Generation AI400 generates suggestion information when it receives target data such as merchant attributes (industry, business size), transaction data (GMV, electronic payment frequency), and behavioral logs on services provided by electronic payment services (login frequency, pages viewed). For example, the Generation AI400 comprehensively interprets the target data and automatically designs and executes account change recommendation scenarios optimized for each individual store.

[0091] A recommended scenario is, for example, a combination of "timing," "design," "incentive," and "wording." Timing refers to the timing of providing recommendation information. Design refers to the design of the recommendation information. Incentive refers to the incentive that merchants receive when an account is changed. Wording refers to the wording used in the recommendation information.

[0092] The Generating AI 400 may try countless combinations of display timing for appeal banners, UI design, and catchphrases (e.g., "Why not reduce your fees?" or "Improve your cash flow with next-day deposits!"), and learn from merchant responses (click-through rate, change completion rate) in real time. For example, the Generating AI 400 obtains the results of merchant responses to the recommended scenarios and other scenarios from the payment server 100 or financial institution server 300, and learns from the acquired information. Based on the learned results, the Generating AI 400 provides the payment server 100 with recommended scenarios that improve merchant responses or exceed a threshold. In this way, the Generating AI 400 automatically discovers and applies highly effective appeal patterns. For example, on the interface screen for applying for a service that speeds up deposits beyond a pre-set cycle, the catchphrase "Improve your cash flow with next-day deposits!" is used, prioritizing cash flow improvement over incentives. For example, on the interface screen providing deposit information, the catchphrase "Why not reduce your fees?" is used, prioritizing incentives over cash flow improvement. In this way, the AI400 generates recommended scenarios by analyzing the attributes, behavioral history, and usage status of electronic payment services of each merchant, while also considering the type of interface screen.

[0093] The Generating AI400 may generate optimal incentives. Based on the target data, the Generating AI400 predicts the "likelihood of account change (conversion probability)" and the "contribution to future LTV (customer lifetime value)." The Generating AI400 then presents a personalized incentive (e.g., fee discount period, cashback amount) that maximizes cost-effectiveness for each merchant. For example, the Generating AI 400 learns from target data, past performance data on the Lifetime Value (LTV) of converted merchants, and information on the incentives provided to those merchants. Based on the learning results, the Generating AI 400 proposes incentives that maximize cost-effectiveness. For example, the Generating AI 400 predicts future LTV from the target data and increases incentives for merchants whose contribution to LTV is expected to increase in the future, while keeping incentives at a predetermined level for merchants whose contribution to LTV is expected to be at a predetermined level in the future. Furthermore, if the current LTV is low but future LTV is expected to increase based on the target data, the Generating AI 400 will increase the incentives compared to cases where the current LTV is low but future LTV is expected to remain the same or decrease.

[0094] As described above, the AI400 generates analysis results to improve conversion rates, moving beyond a mechanical approach and enabling extremely high-quality communication, similar to how an experienced marketer would provide personalized proposals based on a deep understanding of each merchant's circumstances. This makes it possible to dramatically increase account opening rates while increasing merchant satisfaction.

[0095] According to the embodiments described above, the payment server 100 provides merchant identification information for identifying merchants of the electronic payment service to the financial institution server of the financial institution that manages the bank accounts, and based on the bank account information managed by the financial institution and the merchant identification information, it obtains account information regarding the merchant's bank account from the financial institution server, and by controlling the content displayed on the interface screen viewed by the merchant based on the account information, the convenience of the merchant can be improved.

[0096] 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 present invention. [Explanation of Symbols]

[0097] 1. Electronic payment system 10. User terminal device 20 Payment Apps 50. First store terminal device 72 Merchant Interface 100 Payment Servers 140 Information Management Department 150 Processing Unit 300 Financial Institution Servers

Claims

1. To identify merchants participating in electronic payment services, merchant identification information is provided to the financial institution's server that manages the bank account. A first processing unit obtains account information relating to the merchant's bank account, which the financial institution server has obtained, based on the bank account information managed by the financial institution and the merchant identification information. A second processing unit controls the content displayed on the interface screen viewed by the merchant based on the aforementioned account information, An information processing device equipped with the following features.

2. The second processing unit, if the customer has the bank account but has not set the bank account as the deposit account for the electronic payment service, causes the merchant's terminal device to display the interface screen, which includes recommendation information recommending that the customer set the bank account as the deposit account. The information processing apparatus according to claim 1.

3. The second processing unit, if the customer does not have the bank account, causes the display unit of the merchant's terminal device to display the interface screen, which includes recommendation information recommending that the customer open a bank account with the financial institution. The information processing apparatus according to claim 1.

4. The second processing unit displays the recommendation information on an interface screen that manages the merchant information used by the merchants provided in the electronic payment service. The information processing apparatus according to claim 2 or 3.

5. The second processing unit causes the display unit to display the interface screen which includes some or all of the following: information on transactions using the electronic payment service, information on deposits from the electronic payment service, information for applying for a service to expedite the deposits beyond a predetermined cycle, and the recommendation information. The information processing apparatus according to claim 4.

6. The second processing unit is, When the merchant performs the first operation to set the deposit account in relation to the recommendation information, the bank account information obtained from the financial institution server is displayed on the display unit. When the second operation of setting the aforementioned bank account as the deposit account is performed, the deposit account associated with the merchant identification information stored in the storage unit is set as the said bank account. The information processing apparatus according to claim 2.

7. The second processing unit is, When the merchant performs the third operation of opening the bank account based on the recommendation information, the merchant identification information stored in the memory unit and the information associated with the merchant identification information that is used to open the bank account are provided to the financial institution server. The information processing apparatus according to claim 3.

8. The aforementioned merchant identification information includes (1) or (2) and (3), (1) Corporate number, corporate name (2) Name, date of birth (3) Identification information that identifies the merchant in the electronic payment service The account information provided from the financial institution server includes the account number and the identification information. The information processing apparatus according to any one of claims 1 to 3.

9. The second processing unit is, Based on the account information, which includes identification information for identifying the merchant and the bank account information, and the merchant information, which includes the identification information managed by the electronic payment service, the system identifies a merchant that holds a bank account with the financial institution, and if the merchant has not set the bank account as a deposit account used in the electronic payment service, the system displays the interface screen, which includes recommendation information recommending that the identified merchant set the bank account as a deposit account, on the display unit of the identified merchant's terminal device. The information processing apparatus according to any one of claims 1 to 3.

10. The second processing unit is, Based on the account information, which includes identification information for identifying the merchant and the bank account information, and the merchant information, which includes the identification information managed by the electronic payment service, the system identifies merchants who have a corporate bank account or a sole proprietor's bank account, and if the merchant has not set the bank account as a deposit account used by the electronic payment service, the system displays the interface screen on the terminal device of the identified merchant, which includes recommendation information recommending that the merchant set the bank account as a deposit account. The information processing apparatus according to any one of claims 1 to 3.

11. The information processing apparatus according to claim 1, The information processing device acquires the merchant identification information, By referring to the bank account information to which the merchant identification information stored in the memory unit is associated, the information of the bank account to which the merchant identification information is associated is identified. A financial institution server that provides the bank account information to the information processing device, An information processing system equipped with the following features.

12. Computers To identify merchants participating in electronic payment services, merchant identification information is provided to the financial institution's server that manages the bank account. Based on the bank account information managed by the aforementioned financial institution and the merchant identification information, the account information relating to the merchant's bank account, which was acquired by the financial institution server, is obtained from the financial institution server. Based on the aforementioned account information, control the content displayed on the interface screen viewed by the merchant. Information processing methods.

13. On the computer, To identify merchants participating in electronic payment services, merchant identification information is provided to the financial institution's server that manages the bank account. Based on the bank account information managed by the aforementioned financial institution and the merchant identification information, the financial institution server retrieves the account information relating to the merchant's bank account, which it has obtained from the financial institution server. Based on the aforementioned account information, the content displayed on the interface screen viewed by the merchant is controlled. program.

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