Information processing device

Abstract

We provide an information processing device that properly manages digital money accounts while maintaining user convenience. [Solution] The information processing device 10 includes an account storage unit 11 that manages user accounts, an account opening status storage unit 15 that stores the value type of a user's account and its account opening status, an account opening request receiving unit 12 that receives an account opening request for a cash value account from a user terminal, a duplicate determination unit 13 that determines whether the user who sent the account opening request has another cash value account based on the data in the identity verification data storage unit 14, and an update unit 16 that stores data in the account opening status storage unit 15 indicating that the prepaid value account is not yet opened when it is determined that the user has another cash value account. When the information processing device 10 receives an account opening request, if the prepaid value account is not yet opened, it processes the opening of the prepaid value account.

Description

Technical Field

[0001] The present invention relates to a technology for managing digital currency accounts.

Background Art

[0002] In recent years, digital currency has become popular, and the use of cashless payment has been expanding. In particular, payment services using smartphones are highly convenient, and many people use digital currency in their daily lives.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] With the spread of digital currency services, there are cases where users hold multiple accounts. Such a situation can be a factor increasing the risk of money laundering and unauthorized use, and thus stricter management of multiple account holders is required. Patent Document 1 describes performing a duplication check with registered account information by a biometric signature verification program when newly opening a bank account.

[0005] In view of the above background, the present invention provides a technology for appropriately managing digital currency accounts while maintaining user convenience.

Means for Solving the Problems

[0006] The information processing device of the present invention includes: an account opening status storage unit that stores the type and opening status of a digital money account in association with information that identifies the digital money account; an account opening request receiving unit that receives a request to open a digital money account from a user terminal; a determination unit that determines whether the user has another digital money account of the first type to which the account opening request pertains; and a transmission unit that, if it is determined that the user has another such account, transmits data indicating that the request to open the first type of account has been denied. If it is determined that the user has another such account, the device performs processing for opening a second type of account, which is different from the first type.

[0007] An information processing device in another embodiment of the present invention includes: a first determination unit that determines whether a user has a second type of digital money account when a cancellation event occurs for the user's first type of digital money account; a second determination unit that determines whether the user has another first type of digital money account other than the first type of digital money account subject to cancellation when the first determination unit determines that the user has a second type of digital money account; and a refund processing unit that, when the second determination unit determines that the user does not have another first type of digital money account, transfers the balance of the first type of digital money account subject to cancellation to the first type of digital money account, and when it determines that the user has another first type of digital money account, sends an inquiry to the user terminal regarding the destination of the refund of the balance of the first type of digital money account subject to cancellation. [Brief explanation of the drawing]

[0008] [Figure 1] This diagram shows the functional configuration of the information processing device according to the first embodiment. [Figure 2] This figure shows the hardware configuration of the information processing device according to the first embodiment. [Figure 3] This figure shows an example of data stored in the account memory unit. [Figure 4] This figure shows an example of identity verification data stored in the identity verification data storage unit. [Figure 5]This figure shows an example of data stored in the account opening status memory unit. [Figure 6] This figure shows another example of data stored in the account opening status memory unit. [Figure 7] This diagram shows the operation of the information processing device according to the first embodiment. [Figure 8] This diagram shows the operation of the information processing device according to the first embodiment. [Figure 9] This diagram shows the process when the results of an additional review are entered into the information processing device. [Figure 10] This diagram shows another operation of the information processing device according to the first embodiment. [Figure 11] This diagram shows the functional configuration of the information processing device according to the second embodiment. [Figure 12] This diagram shows the operation of the information processing device according to the second embodiment. [Modes for carrying out the invention]

[0009] The information processing device of this embodiment will be described below with reference to the drawings. Note that the following description is merely an example of a preferred embodiment and is not intended to limit the invention as described in the claims.

[0010] (First Embodiment) Figure 1 shows the functional configuration of the information processing device 10 according to the embodiment, and Figure 2 shows the hardware configuration of the information processing device 10 according to the embodiment. The information processing device 10 is a digital money server and has the function of managing users' digital money accounts and processing digital money payments and transfers.

[0011] [Hardware configuration] First, the hardware configuration of the information processing device 10 will be described with reference to Figure 2. Physically, the information processing device 10 is configured as a computer including a processor 101, memory 102, storage 103, communication device 104, input device 105, output device 106, and a bus connecting these. Each of these devices operates on power supplied from a battery (not shown). In the following description, the term "device" can be read as a circuit, device, unit, etc. The hardware configuration of the information processing device 10 may include one or more of the devices shown in Figure 2, or some devices may be omitted. Alternatively, multiple devices with different enclosures may be connected via communication to constitute the information processing device 10.

[0012] Each function in the information processing device 10 is realized by loading predetermined software (programs) onto hardware such as the processor 101 and memory 102, which allows the processor 101 to perform calculations, control communication by the communication device 104, and control at least one of the reading and writing of data in the memory 102 and storage 103.

[0013] The processor 101 controls the entire computer, for example, by running the operating system. The processor 101 may consist of a central processing unit (CPU) that includes interfaces with peripheral devices, control units, arithmetic units, registers, etc. Alternatively, a baseband signal processing unit or a call processing unit may be implemented by the processor 101.

[0014] Processor 101 reads a program (program code), software module, data, etc. from at least one of storage 103 and communication device 104 into memory 102, and executes various processes according to these. As the program, a program that causes a computer to execute at least a part of the operations described later is used. The functional blocks of information processing apparatus 10 may be stored in memory 102 and realized by a control program operating in processor 101. Various processes may be executed by one processor 101, or may be executed simultaneously or sequentially by two or more processors 101. Processor 101 may be implemented by one or more chips. Note that the program may be transmitted to information processing apparatus 10 via a telecommunication line.

[0015] Memory 102 is a computer-readable recording medium, and may be constituted by at least one of, for example, ROM (Read Only Memory), EPROM (Erasable Programmable ROM), EEPROM (Electrically Erasable Programmable ROM), RAM (Random Access Memory), etc. Memory 102 may be called a register, cache, main memory (main storage device), etc. Memory 102 can store a program (program code), software module, etc. executable for implementing the method according to the present embodiment.

[0016] Storage 103 is a computer-readable recording medium, and may be constituted by at least one of, for example, an optical disk such as CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, a magneto-optical disk (e.g., compact disc, digital versatile disc, Blu-ray (registered trademark) disc), a smart card, a flash memory (e.g., card, stick, key drive), a floppy (registered trademark) disk, a magnetic strip, etc. Storage 103 may be called an auxiliary storage device.

[0017] The communication device 104 is hardware (a transceiver device) for performing communication between computers via at least one of a wired network and a wireless network, and is also referred to as, for example, a network device, a network controller, a network card, a communication module, etc. The communication device 104 enables communication with a user terminal.

[0018] Each device such as the processor 101 and the memory 102 is connected by a bus for communicating information. The bus may be configured using a single bus, or may be configured using different buses for each device.

[0019] The information processing device 10 may be configured to include hardware such as a microprocessor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a programmable logic device (PLD), a field programmable gate array (FPGA), etc., and some or all of each functional block may be realized by the hardware. For example, the processor 101 may be implemented using at least one of these hardware.

[0020] [Functional Configuration] Referring to FIG. 1, the functional configuration of the information processing device 10 will be described. The information processing device 10 communicates with the user terminal 50 via the communication device 104. Here, the user terminal 50 may be a computer such as a smartphone, a mobile phone, a tablet, or a wearable terminal, etc. In the present embodiment, the case where the user terminal is a smartphone is taken as an example. The hardware configuration of the user terminal 50 is basically the same as that of the information processing device 10.

[0021] The information processing device 10 has an account storage unit 11 that stores data of a user's account. Figure 3 shows an example of data stored in the account storage unit 11. The account storage unit 11 stores the line number, account number, value type, and balance. The line number is information that identifies the digital money account, and this information allows for the identification of the user who holds the digital money account. In this embodiment, the line number is used as information that identifies the digital money account, but other information (for example, an email address) may also be used.

[0022] The information processing device 10 manages two types of accounts: cash value accounts and prepaid value accounts. Prepaid value accounts are accounts that can be used to make payments at digital money merchants and to receive money sent via mail. In contrast, cash value accounts can also be used for sending money, withdrawing money, and topping up from banks. In other words, cash value accounts are verified accounts, while prepaid value accounts are unverified accounts. The value type is information that indicates which type of account the account identified by its account number is.

[0023] As shown in Figure 3, one account number is assigned to each line number, so a user can have multiple accounts if they have multiple lines. However, for cash value accounts, we would like each user to be able to hold only one. The information processing device 10 of this embodiment processes account opening so that each user can hold only one cash value account. However, for prepaid value accounts, it is permissible for a single user to hold multiple accounts. A cash value account is an example of a first type of digital money account, and a prepaid value account is an example of a second type of digital money account. The first type of digital money account and the second type of digital money account are not limited to the examples of this embodiment. A first type of digital money account is an account that a single user can only hold once, and a second type of digital money account is an account that a single user can hold multiple times.

[0024] Returning to Figure 1, the configuration of the information processing device 10 will be explained. The information processing device 10 includes, for account opening, an account opening request receiving unit 12, a duplicate detection unit 13, an identity verification data storage unit 14, an account opening status storage unit 15, an update unit 16, and a result transmission unit 17. The information processing device 10 also has configurations for realizing functions such as digital money charging and money transfer, but these are omitted in Figure 1. The following describes each component of the information processing device 10.

[0025] The account opening request receiving unit 12 has the function of receiving account opening requests for cash value accounts or prepaid value accounts from the user terminal 50. Since a single user can hold multiple prepaid value accounts, it is not necessary to check the user's existing account status when opening an account. The following describes the case where an account opening request for a cash value account is received.

[0026] A request to open a cash value account includes identity verification data to confirm the user of the sending user terminal 50. This identity verification data includes, for example, full name (Kanji), full name (Katakana), date of birth, address code, driver's license number, My Number (Social Security Number), e-NINSHO ID, and residence card number. The account opening request includes at least some of this data.

[0027] However, instead of the information processing device 10 receiving the account opening request and identity verification data all at once, the information processing device 10 may provide an interface that prompts the user to input the identity verification data, have the user input the necessary data, and then receive it sequentially from the user terminal 50.

[0028] Here, account opening requests may include not only requests for new account openings, but also requests for upgrades from prepaid value accounts. An upgrade from a prepaid value account means that the holder of the prepaid value account undergoes identity verification, and the prepaid value account is changed to a cash value account. If an upgrade is performed, the balance of the prepaid value account can be used as the balance of the cash value account.

[0029] The duplicate determination unit 13 has the function of determining whether the user who made the account opening request received by the account opening request receiving unit 12 already has another cash value account. This is called "duplicate determination" because it determines whether opening an account in accordance with the account opening request would result in the user having a duplicate cash value account.

[0030] The duplicate detection unit 13 performs a comparison based on the identity verification data of the user who made the account opening request (hereinafter referred to as "matching target identity verification data") and the identity verification data stored in the identity verification data storage unit 14 (hereinafter referred to as "reference identity verification data"). First, the types of identity verification data used for duplicate detection will be explained.

[0031] Figure 4 shows an example of identity verification data stored in the identity verification data storage unit 14. The identity verification data storage unit 14 stores the line number of a user who holds a cash value account and the identity verification data of that user. The identity verification data includes, for example, the name in kanji, the name in katakana, the date of birth, the address code, the driver's license number, the e-NINSHO ID, the residence card number, and the consolidated billing group number. The identity verification data storage unit 14 does not store all of this identity verification data for each user, but rather stores the data that the user has provided from among this identity verification data. For example, a driver's license number may be stored for one user, while for another user there may be no driver's license number but only an e-NINSHO ID is stored. A consolidated billing group is a group used when the billing amounts of multiple lines are totaled and billed together as one. The consolidated billing group number is a number that identifies the consolidated billing group.

[0032] The duplicate determination unit 13 determines, based on the reference identity verification data stored in the identity verification data storage unit 14 and the identity verification data to be matched, whether the user identified by the identity verification data to be matched matches any of the users stored in the identity verification data storage unit 14. If they match, the user identified by the identity verification data to be matched has a cash value account linked to a different line number.

[0033] It is important to note that the duplicate detection unit 13 determines whether the users match based on the identity verification data. As mentioned above, the information processing device 10 only has identity verification data to the extent provided by the user, so the types of identity verification data being compared may not necessarily match. For example, one of the comparison targets may have a date of birth while the other does not. In that case, the identity verification data may not be a perfect match, but the users identified by the identity verification data may still match.

[0034] The duplicate detection unit 13 can determine the following three results: (a) No duplicates... This is a determination result indicating that the user identified in the matching identity verification data does not match any of the users stored in the identity verification data storage unit 14 (i.e., does not have another account). In the following cases, the determination result may also be "OK". (b) Duplicate found... This is a determination result indicating that the user identified in the matching identity verification data matches any of the users stored in the identity verification data storage unit 14 (i.e., they have a different account). In the following cases, the determination result may also be "NG". (c) Requires review... The duplicate determination unit 13 cannot determine whether it is OK or NG, so it is determined that human review is required.

[0035] The identity verification data storage unit 14 stores multiple types of identity verification data, but the accuracy of the matching result differs depending on the type. For example, if the driver's license number matches, it can be said that the identity verification data to be matched and the reference identity verification data belong to the same person; conversely, if they do not match, it can be said that they belong to different people. On the other hand, since there are people with the same name, it is not possible to definitively determine whether the identity verification data to be matched and the reference identity verification data are a match based solely on the name data. The duplicate determination unit 13 has a table that defines which type of identity verification data can be used to determine the result, and the duplicate determination unit 13 makes a determination by referring to this table.

[0036] The account opening status storage unit 15 stores data on the account opening status in response to an account opening request. Figure 5 shows an example of data stored in the account opening status storage unit 15. The account opening status storage unit 15 stores data on the line number, account opening status, value type, and duplicate detection result. The account opening status is data indicating whether the account has been opened or not. The value type is data indicating whether the account is a cash value account or a prepaid value account. The duplicate detection result shows the duplicate detection result by the duplicate detection unit 13 or the duplicate detection result by visual inspection.

[0037] In the example shown in Figure 5, for the line number "090-1234-1111", the account opening status for the "Cash" value account is "Opened", and the duplicate detection result is "OK". At the time the user with the line number "090-1234-1111" sent the account opening request, it did not match any of the users stored in the identity verification data storage unit 14 (i.e., they did not have another Cash Value account), so the duplicate detection result was OK, indicating that the Cash Value account was opened.

[0038] For the line number "090-1234-2222", the account opening status for "Cash" value is "Not Opened", and the duplicate detection result is "Requires Review". For the user with the line number "090-1234-2222", the duplicate detection unit 13 was unable to confirm that it does not match any of the users stored in the identity verification data storage unit 14, and therefore the duplicate detection was not completed, indicating that the Cash Value account has not been opened.

[0039] For the line number "090-1234-3333", the account opening status is "Not Opened", and the duplicate result judgment is "NG". This indicates that for the user with the line number "090-1234-3333", the duplicate judgment result by the duplicate judgment unit 13 is NG, and the prepaid value account has not been opened.

[0040] The update unit 16 has the function of updating the data in the account opening status storage unit 15 based on the result of the duplicate determination by the duplicate determination unit 13. As shown in Figure 5, if the determination result by the duplicate determination unit 13 is OK, the update unit 16 sets the status of the cash value account to "Open" and sets the duplicate determination result to "OK". If confirmation of whether or not there is a match cannot be obtained, the update unit 16 sets the status of the cash value account to "Not Opened" and sets the duplicate determination result to "Requires Review".

[0041] The update unit 16 sets the account opening status of the prepaid value account to "not opened" if the result of the duplicate detection unit 13 is NG, that is, if it is determined that the user who sent the account opening request already has another cash value account. With this configuration, the information processing device 10 can process the opening of the prepaid value account the next time an account opening request is sent from the user of the line number.

[0042] Furthermore, the update unit 16 has the function of updating the data in the account opening status storage unit 15 based on the review results input from the input device 105. Specifically, for account opening statuses where the duplicate determination result is "requires review," a visual duplicate determination review is performed, and the review results are input from the input device 105. The update unit 16 updates the duplicate determination result based on the review results input from the input device 105. If the review result indicates that the user who requested to open an account does not have another value account, the update unit 16 updates the duplicate determination result to "OK." In the example shown in Figure 5, the user with line number "090-1234-2222" had a duplicate determination result of "requires review," but if the visual review result is OK, as shown in Figure 6, the update unit 16 updates the duplicate determination result to "OK" while keeping the account opening status "not opened." With this configuration, the information processing device 10 can quickly process the opening of a cash value account by omitting the determination by the duplicate determination unit 13 the next time an account opening request is sent from this user.

[0043] The result transmission unit 17 has the function of sending data indicating the result of the account opening request to the user terminal 50. There are three possible results: account opening OK, account opening NG, and pending. If the duplicate detection unit 13 determines that it is NG, the result transmission unit 17 sends the result of account opening NG. If the duplicate detection unit 13 determines that it requires further review, the result transmission unit 17 sends the result of pending. If the duplicate detection unit 13 determines that it is OK, and all other requirements are also OK, the result transmission unit 17 sends the result of account opening OK.

[0044] Figures 7 and 8 show the operation of the information processing device 10 in this embodiment. The information processing device 10 receives an account opening request from a user terminal (S10). The account opening request may be a request to open a new cash value account, or it may be a request to upgrade a prepaid value account to a cash value account.

[0045] When the information processing device 10 receives an account opening request, it searches the account opening status storage unit 15 for data of the user with the corresponding line number. If data for the user is found, it determines whether the account opening status is that a prepaid value account has not been opened (S11). If the account opening status of the user is that a prepaid value account has not been opened (for example, the user with line number "090-1234-3333" shown in Figure 5), the information processing device 10 performs the prepaid value account opening process (S13). The user terminal 50 has received a request to open a cash value account, but since the user already has a cash value account, it does not allow the user to open multiple cash value accounts, and instead proceeds to the prepaid value account opening process.

[0046] In the determination process in step S11, if the account opening status is not that a prepaid value account has not been opened (NO in S11), the information processing device 10 determines whether the account opening status is that a cash value account has not been opened and whether the duplicate determination result is OK (S12). If the determination result is positive (YES in S12), the process proceeds to opening a cash value account (S14). In this case, since the duplicate determination result is OK, the information processing device 10 opens a cash value account without performing a determination by the duplicate determination unit 13. If the determination result in step S12 is negative (NO in S12), the information processing device 10 receives identity verification data from the user terminal 50 (S15).

[0047] In this embodiment, by performing a determination (S11, S12) based on the data in the account opening status storage unit 15 before receiving the identity verification data (S15), it is possible to omit duplicate determination in some cases. Although the example shown in Figure 7 describes a case where the timing of receiving the account opening request data and the identity verification data are different, the account opening process may be started after receiving the account opening request data and the identity verification data.

[0048] Next, the operation of the information processing device 10 will be explained with reference to Figure 8. The information processing device 10 compares the identity verification data to be matched received from the user terminal 50 with the reference identity verification data stored in the identity verification data storage unit 14, and performs a duplicate determination to see if the user identified by the identity verification data to be matched matches any of the users stored in the identity verification data storage unit 14 (S16).

[0049] If the duplicate check result is OK, the information processing device 10 performs the cash value account opening process (S18). Once the cash value account opening is complete, the information processing device 10 sets the account opening status of the user's cash value account to "Open", the duplicate check result to "OK" (S19), and notifies the user terminal 50 that the account opening has been completed (S20).

[0050] If the duplicate check result is NG, the information processing device 10 sets the account opening status of the user's prepaid value account to "Not Opened" and the duplicate check result to "NG" (S21), and notifies the user terminal 50 that the application for opening a cash value account was rejected (S22).

[0051] If the result of the duplicate check indicates that review is required, the information processing device 10 sets the account opening status of the user's cash value account to "Not Opened" and the duplicate check result to "Requires Review" (S23), and notifies the user terminal 50 that the review of opening the cash value account is on hold (S24).

[0052] Figure 9 shows the process when the results of an additional review are entered into the information processing device 10. For cases where the duplicate determination unit 13 determines that a review is required, a person performs a visual review. The information processing device 10 receives the input of the review results performed by the person (S30). The information processing device 10 determines whether the entered review results are duplicates or not (S31). If the review result is not duplicates (NO in S31), the information processing device 10 updates the duplicate determination result for that user in the account opening status storage unit 15 from "requires review" to "OK" (S32). By setting the duplicate determination result for an unopened cash value account to "OK" in this way, the situation arises where the process in step S14 is performed.

[0053] If the entered review results are found to be duplicates (YES in S31), the information processing device 10 creates a record indicating that the user's account opening status is "Not Opened" for the prepaid value account (S33), and sets the duplicate determination result to "NG". In this way, the pending status of "Requires Review" in the account opening status storage unit 15 can be cleared based on the additional review results performed by a human. Then, the next time an account opening request is made by the same user, the duplicate determination can be omitted and the prepaid value account or cash value account opening process can be performed.

[0054] In the first embodiment, when the information processing device 10 receives an account opening request from the user terminal 50, it determines whether the user who made the account opening request already has another cash value account, and if the user already has another cash value account, it prevents the opening of a new cash value account.

[0055] Furthermore, for users who were unable to open a cash value account, the account status of their prepaid value account will be set to "not opened." This allows the system to open the prepaid value account without duplicate checks when the same user requests to open an account again. This configuration saves users the trouble of providing identity verification data. In this embodiment, we have given an example where the account status of the prepaid value account is set to "not opened," and when an account opening request is made again, the user is guided to open a prepaid value account. However, it is also possible to open a prepaid value account without going through this step.

[0056] Furthermore, if the duplicate detection result indicates that further review is required, the account opening process will be put on hold, and the duplicate detection result will remain "requires review." However, if a manual review subsequently determines that there are no duplicates, the duplicate detection result will be updated to "OK." When the same user requests to open an account again, the cash value account opening process will be carried out based on the "OK" duplicate detection result without performing a duplicate detection check again. This configuration saves users the trouble of providing identity verification data.

[0057] In the embodiment described above, an example was given in which the information processing device 10 receives an account opening request for a cash value account or a prepaid value account. However, the information processing device 10 may also open a cash value account in stages, such as first opening a prepaid value account in response to an account opening request, and then receiving an account opening request to upgrade the prepaid value account to a cash value account.

[0058] Figure 10 shows the operation of the information processing device 10 when it receives a request to upgrade from a prepaid value account to a cash value account when opening a prepaid value account. When the information processing device 10 receives an account upgrade request from the user terminal (S40), it searches the account opening status storage unit 15 to see if there is data for the user with the corresponding line number. If there is data for the corresponding user, the information processing device 10 determines whether the account opening status is "cash value account not opened" and whether the duplicate determination result is OK (S41). If the determination result is positive (YES in S41), it proceeds to the cash value account upgrade process (S42). In this case, since the duplicate determination result is OK, the information processing device 10 performs the cash value account upgrade process without performing a determination by the duplicate determination unit 13. If the determination result in step S41 is negative (NO in S41), the information processing device 10 receives identity verification data from the user terminal 50 and performs a duplicate determination (S43).

[0059] If the duplicate check result is OK, the information processing device 10 performs the upgrade process to a cash value account (S45), sets the account opening status of the user's cash value account to "Open", sets the duplicate check result to "OK" (S46), and notifies the user terminal 50 that the account upgrade process is complete (S47).

[0060] If the duplicate check result is NG, the user terminal 50 is notified that the review for upgrading the cash value account was NG (S50). In the example shown in Figure 10, the user has a prepaid value account, so if the review for upgrading the account is NG, the user can continue to use the prepaid value account. In the example shown in Figure 10, the user has a prepaid value account as a preliminary step to opening a cash value account, so the process in step S21 in Figure 8 is unnecessary.

[0061] If the result of the duplicate check indicates that an account upgrade is required, the information processing device 10 sets the account opening status of the user's cash value account to "Not Opened" and the duplicate check result to "Requires Review" (S48), and notifies the user terminal 50 that the review for account upgrade of the cash value account is on hold (S49).

[0062] (Second Embodiment) Figure 11 shows the functional configuration of the information processing device 10 of the second embodiment. In addition to the functions of the information processing device 10 of the first embodiment, the information processing device 10 of the second embodiment has a function to process a refund when an account is closed. The hardware configuration of the information processing device 10 of the second embodiment is the same as that of the information processing device 10 of the first embodiment, which was explained using Figure 2.

[0063] The information processing device 10 of the second embodiment processes a refund of the balance of a user's cash value account when a cancellation event occurs in that account. Here, a cancellation event is, for example, when a user who is a line user cancels their line contract by switching to another company's line, or when the name on the line is changed. The information processing device 10 of the second embodiment checks whether the user has another cash value account when the account is canceled and organizes the accounts to prevent the increase of duplicate cash value accounts.

[0064] The information processing device 10 has a configuration related to the refund process when an account is closed, and includes a first determination unit 20, a second determination unit 21, and a refund processing unit 22.

[0065] The first determination unit 20 has a function to determine whether or not a user has a prepaid value account when a cancellation event occurs in the user's cash value account. The second determination unit 21 has a function to determine whether or not a user has another cash value account other than the cash value account that was canceled, when the first determination unit 20 has determined that the user has a prepaid value account.

[0066] The refund processing unit 22 has the function of transferring the balance of the cash value account subject to cancellation to a prepaid value account if the second determination unit 21 determines that the user does not have another cash value account, and sending a message to the user terminal 50 inquiring about the refund destination for the balance of the cash value account subject to cancellation if it determines that the user does have another cash value account.

[0067] Figure 12 shows the processing of the information processing device 10 in the second embodiment when a cancellation event occurs. The information processing device 10 determines whether or not a cancellation event has occurred for the cash value account (S60). If a cancellation event has occurred for the cash value account (YES in S60), it determines whether or not the user has a prepaid value account (S61). If it is determined that the user does not have a prepaid value account (NO in S61), the information processing device 10 sends a message to the user terminal 50 inquiring about the refund destination (S63).

[0068] If it is determined that the user has a prepaid value account (YES in S61), the information processing device 10 determines whether the user has another cash value account (S62). If the user does not have another cash value account (NO in S62), the information processing device 10 processes a refund of the balance of the cash value account subject to cancellation to the prepaid value account (S64). If the user has another cash value account (YES in S62), the information processing device 10 sends a message to the user's terminal inquiring about the refund destination (S63).

[0069] In the second embodiment, the information processing device 10 refunds the balance of the cash value account subject to cancellation to the prepaid value account if the user has a prepaid value account. However, even if the user has a prepaid value account, if they have a cash value account other than the one subject to cancellation, the device does not refund to the prepaid value account and instead sends a message inquiring about the refund destination. The prepaid value account from which the cash value balance has been refunded cannot be used, for example, for sending or withdrawing money. If the user wishes to use the account in the same way as the cash value account before cancellation, they could request to open an account by upgrading from a prepaid value account to a cash value account. However, if the user has another cash value account, they cannot upgrade it, and as a result, the balance that was cash value before cancellation becomes the balance of the prepaid value account, which is inconvenient for the user.

[0070] Therefore, in cases where it is not possible to upgrade a prepaid value account, an automatic refund to the prepaid value account will not be processed, and a message will be sent to inquire about the refund destination. This configuration ensures that users are not inconvenienced when they are unable to increase their cash value account.

[0071] The following additional notes are provided regarding the embodiments described above. [Note 1] The information processing device described in Appendix 1 includes an account opening status storage unit that stores the type and opening status of a digital money account in association with information identifying the digital money account; an account opening request receiving unit that receives a digital money account opening request from a user terminal; a determination unit that determines whether the user already has a digital money account of the first type to which the account opening request pertains; and a transmission unit that, if it is determined that the user already has a digital money account of the first type, transmits data indicating that the request for opening the first type of account has been denied. If it is determined that the user already has a digital money account of the first type, the device performs processing for opening a second type of account, which is different from the first type.

[0072] This configuration prevents a single user from opening multiple Type 1 digital money accounts. If opening a Type 1 digital money account fails, the system can then proceed to open a Type 2 digital money account.

[0073] [Note 2] The information processing device described in Appendix 1 may include an identity verification data storage unit that stores identity verification data of a user who has the first type of digital money account, and the determination unit may determine whether or not the user of the user terminal that sent the account opening request has the first type of digital money account based on the data in the identity verification data storage unit.

[0074] [Note 3] The information processing device described in Appendix 1 or Appendix 2 includes an update unit that stores data in the account opening status storage unit indicating that the user has not yet opened a second type of digital money account when the determination unit determines that the user has another first type of digital money account, and when the account opening request receiving unit receives the account opening request, it may read the user's account opening status from the account opening status storage unit and perform the process of opening a second type of digital money account if the account opening status indicates that the user has not yet opened a second type of digital money account.

[0075] [Note 4] In any of the information processing devices described in Appendix 1 to 3, the account opening status storage unit stores data of the determination result by the determination unit, and when the account opening request receiving unit receives the account opening request, it may read the account opening status of the user from the account opening status storage unit, and if the determination result for an unopened first type digital money account is OK, it may perform the account opening process for the first type digital money account.

[0076] This configuration allows account opening requests to be approved without requiring further identity verification if the user's identity has already been verified.

[0077] [Note 5] Any of the information processing devices described in Appendix 1 to 4 may include an update unit that stores data in the account opening status storage unit indicating that the duplicate determination of an unopened first type digital money account requires review when the determination unit determines that it requires review.

[0078] This configuration allows the determination unit to temporarily store data indicating that an account opening status requires review in the account opening status storage unit when it determines that an account needs review, and then confirm the determination result later.

[0079] [Note 6] In any of the information processing devices described in Appendix 1 to 5, the account opening request receiving unit may accept both a request to open a new first type digital money account and a request to change a second type digital money account to a first type digital money account.

[0080] [Note 7] Any of the information processing devices described in Appendix 1 to 6 may include: a first determination unit that determines whether a user has a second type digital money account when a first type digital money account is closed; a second determination unit that determines whether a user has another first type digital money account other than the first type digital money account that is closed, if the first determination unit determines that the user has a second type digital money account; and a refund processing unit that, if the second determination unit determines that the user does not have another first type digital money account, transfers the balance of the first type digital money account that is closed to the first type digital money account, and if it determines that the user has another first type digital money account, sends an inquiry to the user terminal regarding the destination of the refund of the balance of the first type digital money account that is closed.

[0081] This configuration allows for the refund of the balance from the first type of digital money account to the second type of digital money account in the event of cancellation. However, if the user already has another first type of digital money account, the refund will not be made to the second type of digital money account, which cannot be later converted to a first type of digital money account. This ensures that users do not experience inconvenience even if they cannot hold multiple first type of digital money accounts.

[0082] [Note 8] The information processing device described in Appendix 8 includes: a first determination unit that determines whether a user has a second type of digital money account when a cancellation event occurs for the user's first type of digital money account; a second determination unit that determines whether the user has another first type of digital money account other than the first type of digital money account subject to cancellation when the first determination unit determines that the user has a second type of digital money account; and a refund processing unit that, when the second determination unit determines that the user does not have another first type of digital money account, transfers the balance of the first type of digital money account subject to cancellation to the first type of digital money account, and when it determines that the user has another first type of digital money account, sends an inquiry to the user terminal regarding the destination of the refund of the balance of the first type of digital money account subject to cancellation. [Explanation of Symbols]

[0083] 10 Information Processing Devices 11 Account Storage Unit 12 Account Opening Request Receiving Department 13 Duplication determination section 14. Identity Verification Data Storage Unit 15 Account opening status storage unit 16 Update section 17 Result Transmission Unit 20 First determination unit 21 Second determination unit 22 Refund Processing 101 Processors 102 memory 103 Storage 104 Communication equipment 105 Input device 106 Output device

Claims

1. An account opening status storage unit stores the type of digital money account and its opening status, indicating whether it is a first type of account that a user can only hold one of, or a second type of account that a user can hold multiple of, in association with information that identifies the digital money account. The account opening request receiving unit receives account opening requests for digital money accounts from user terminals, A determination unit that determines whether the user has another digital money account of the first type related to the account opening request, A transmission unit that, if it is determined that the account holder already possesses the account holder, transmits data denying the first type of account opening request, Equipped with, An information processing device that, if it is determined that the user already possesses the second type of account, performs the process for opening the second type of account.

2. The system includes an identity verification data storage unit that stores identity verification data of a user having the first type of digital money account, The information processing apparatus according to claim 1, wherein the determination unit determines, based on the data of the identity verification data storage unit, whether or not the user of the user terminal that sent the account opening request has a digital money account of the first type.

3. When the determination unit determines that the user has another digital money account of the first type, the account opening status storage unit is equipped with an update unit that stores data indicating that the user's account opening status is such that the second type of digital money account has not yet been opened. The information processing apparatus according to claim 1 or 2, wherein when the account opening request receiving unit receives the account opening request, the account opening status of the user is read from the account opening status storage unit, and if the account opening status is in a state where the second type of digital money account has not been opened, the process of opening the second type of digital money account is performed.

4. The account opening status storage unit stores data of the determination result by the determination unit. The information processing apparatus according to claim 1 or 2, wherein when the account opening request receiving unit receives the account opening request, the account opening status of the user is read from the account opening status storage unit, and if the determination result for the unopened first type digital money account is OK, the process of opening the first type digital money account is performed.

5. When the determination unit determines that a review is required, the account opening status storage unit is equipped with an update unit that stores data indicating that the duplicate determination of the unopened first type digital money account requires review. The information processing apparatus according to claim 4.

6. The information processing apparatus according to claim 1 or 2, wherein the account opening request receiving unit receives both a request to open a new digital money account of the first type and a request to open an account to change a digital money account of the second type to a digital money account of the first type.

7. A first determination unit that determines whether or not the user has a second type of digital money account when an event occurs in which the first type of digital money account is closed, If the first determination unit determines that the user has a second type of digital money account, the second determination unit determines whether the user has another first type of digital money account other than the first type of digital money account to be canceled, If the second determination unit determines that the user does not have another digital money account of the first type, the refund processing unit transfers the balance of the digital money account of the first type to be canceled to the digital money account of the first type, and if it determines that the user has another digital money account of the first type, the refund processing unit sends an inquiry to the user terminal regarding the refund destination for the balance of the digital money account of the first type to be canceled. The information processing apparatus according to claim 1 or 2, comprising:

8. With respect to digital money accounts that are divided into a first type of account that a user can only hold one of and a second type of account that a user can hold multiple of, a first determination unit that determines whether or not a user has a second type of digital money account when a cancellation event occurs for the first type of digital money account of a user, If the first determination unit determines that the user has a second type of digital money account, the second determination unit determines whether the user has another first type of digital money account other than the first type of digital money account to be canceled, If the second determination unit determines that the user does not have another digital money account of the first type, the refund processing unit transfers the balance of the digital money account of the first type to be canceled to the digital money account of the first type to be canceled, and if it determines that the user has another digital money account of the first type to be canceled, the refund processing unit sends an inquiry to the user terminal regarding the refund destination for the balance of the digital money account of the first type to be canceled. An information processing device equipped with the following features.

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