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

Abstract

To support efficient reuse of sales proceeds generated from settlement by an electronic settlement service.SOLUTION: An information processing device manages corporate accounts individually assigned to service users. The information processing device includes a sales processing part and a receiving part. In response to a request from a service user, the sales processing part processes an amount equivalent to sales proceeds generated from settlement processing relating to the service user, as a money balance associated with the corporate account. In a case where electronic money is selected as a receiving method, when adding an amount corresponding to the sales proceeds as a balance of a wallet associated with the corporate account, the receiving part collects a prescribed service use fee from the sales proceeds.SELECTED DRAWING: Figure 2

Description

Technical Field

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[0003]

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

Background Art

[0002] Conventionally, cashless payment means in commercial transactions mainly between companies and individuals have been widely recognized by consumers. In particular, due to their convenience, electronic payment services conducted online using user terminals such as smartphones owned by individual users are spreading among consumers.

[0003] Also, in stores that introduce the above-mentioned electronic payment service, the sales amount generated by the payment made using this electronic payment service is usually transferred to the bank account of the store registered with the payment operator that provides the above-mentioned electronic payment service. For example, when a user makes a payment using electronic money, a mechanism for depositing money into the store's account in response to a fund conversion request from the store has been proposed.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

[0006] This application was made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can support the efficient reuse of sales proceeds generated by electronic payment services. [Means for solving the problem]

[0007] The information processing device according to this application manages corporate accounts individually assigned to service users. The information processing device also includes a sales processing unit and a reception unit. , memory unit and The sales processing unit processes an amount equivalent to the sales proceeds generated from the settlement process for the service user as a money balance linked to the corporate account, in accordance with the request from the service user. The reception unit, Customers can choose at least one of the following as a method of receiving sales proceeds: cash or electronic money. . The storage unit stores information regarding cash and electronic money selected as the payment method. do. [Effects of the Invention]

[0008] According to one embodiment, the system has the effect of supporting the efficient reuse of sales proceeds generated through electronic payment services. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 is a diagram illustrating the overview of the information processing according to this embodiment. [Figure 2] Figure 2 is a block diagram showing an example configuration of the information processing device according to this embodiment. [Figure 3] Figure 3 is a diagram showing an overview of the business information stored in the business information storage unit according to this embodiment. [Figure 4] Figure 4 is a diagram showing an overview of the information regarding the method of receiving sales proceeds stored in the sales receipt method storage unit according to this embodiment. [Figure 5] Figure 5 is a diagram showing an overview of the information indicating the balance history of the main wallet according to this embodiment. [Figure 6] Figure 6 is a flowchart showing an example of the processing procedure of the information processing device according to this embodiment. [Figure 7] Figure 7 is a hardware configuration diagram showing an example of a computer that implements the functions of a service provision device according to this embodiment or a modified example. [Modes for carrying out the invention]

[0010] The following describes in detail, with reference to the drawings, an embodiment for implementing the information processing device, information processing method, and information processing program according to the present application (hereinafter referred to as "this embodiment"). Note that this embodiment does not limit the information processing device, information processing method, and information processing program according to the present application. Furthermore, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant descriptions are omitted.

[0011] [1. An example of information processing according to this embodiment] An example of information processing according to this embodiment will be described below using Figure 1. Figure 1 is a diagram showing an overview of the information processing according to this embodiment.

[0012] As shown in Figure 1, the information processing system SYS according to this embodiment includes a terminal device 10 and an information processing device 100. Note that Figure 1 shows an example of the information processing system SYS according to this embodiment, and other terminal devices not shown in Figure 1 may be included.

[0013] The terminal device 10 and the information processing device 100 are connected to a network N (see, for example, Figure 2) by wire or wireless connection. The terminal device 10 and the information processing device 100 can communicate with each other through the network N.

[0014] The terminal device 10 shown in Figure 1 is an information processing terminal used by user Y, a user of the electronic payment service provided by the information processing device 100. A typical example of the terminal device 10 is a smartphone, but it may also be implemented as a tablet, notebook PC (Personal Computer), desktop PC, mobile phone, or PDA (Personal Digital Assistant). In the example in Figure 1, a smartphone is shown as the terminal device 10. In the following explanation, the terminal device 10 may be referred to as user Y. In other words, user Y can be read as terminal device 10. Also, in the following explanation, the user of the electronic payment service provided by the information processing device 100 may simply be referred to as "user".

[0015] Furthermore, the terminal device 10 has a communication unit for connecting to the network N via wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation), as well as short-range wireless communication such as Bluetooth (registered trademark) and Wi-Fi (Local Area Network). This allows user Y to operate the terminal device 10 to access the information processing device 100 and use the electronic payment service provided by the information processing device 100.

[0016] Furthermore, the terminal device 10 can display information for using the electronic payment service provided by the information processing device 100 via a web browser or application. When the terminal device 10 receives control information from the information processing device 100 to realize the information display process via a web browser or application, it will perform the display process according to the received control information.

[0017] The information processing apparatus 100 shown in FIG. 1 provides an electronic payment service to user Y. The information processing apparatus 100 is typically a server apparatus, but may be realized by a mainframe, a workstation, or the like. When the information processing apparatus 100 is realized by a server apparatus, it may be realized by a single server, or may be realized by a cloud system in which a plurality of server apparatuses and a plurality of storage apparatuses cooperate to operate.

[0018] Incidentally, the information processing apparatus 100 may function as a distribution apparatus that distributes control information to the terminal apparatus 10 used by user Y. Here, the control information is described by, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the information processing apparatus 100 may be regarded as control information.

[0019] Here, prior to the information processing according to the embodiment, an example of payment (electronic payment) using the terminal apparatus 10 will be described. In the following description, an example in which user Y makes a payment using the terminal apparatus 10 using a two-dimensional code (QR code (registered trademark)) arranged at store Xa, which is a franchise of an electronic payment service and indicates store identification information for identifying store Xa, will be described. However, the embodiment is not limited to this. The example of payment described below is applicable to any case where an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal apparatus. Further, the store identification information may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, or the like.

[0020] For example, when user Y makes a payment for using or purchasing various goods or services at store Xa, user Y launches a payment application (payment app) installed on terminal device 10. Then, user Y takes a picture of the store identification information installed at store Xa via the payment app. In this case, terminal device 10 displays a screen for entering the price of the payment item and accepts the payment amount from user Y or a store employee at store Xa. Then, terminal device 10 transmits payment information to information processing device 100, including user identification information that identifies user Y, store identification information (or information indicated by the store identification information, i.e., information indicating store Xa (e.g., store ID)), and the payment amount.

[0021] In such cases, the information processing device 100 transfers the amount of electronic money indicated by the payment amount from the account of user Y, indicated by the user identification information, to the account of store Xa, indicated by the store identification information. The information processing device 100 then sends a notification to the terminal device 10 that the payment has been completed. In such cases, the terminal device 10 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed. The electronic money transferred to the account of store Xa is then transferred to a bank account associated with store Xa or the business operating store Xa, according to a cycle predetermined by the payment service provider, or in accordance with a request from store Xa.

[0022] It should be noted that payment using terminal device 10 is not limited to the process described above. For example, payment using terminal device 10 may also be made using a store terminal installed in store Xa. For example, terminal device 10 displays user identification information on its screen to identify user Y. In such a case, the store terminal installed in store Xa reads the user identification information displayed on terminal device 10 and transmits payment information to the information processing device 100, which includes the user identification information (or the information indicated by the user identification information, i.e., information indicating user Y (e.g., user ID)), the payment amount, and information identifying store Xa. In such a case, the information processing device 100 transfers the amount of electronic money indicated by the payment amount from user Y's account, indicated by the user identification information, to store Xa's account, and may notify store Xa's store terminal or terminal device 10 that payment has been completed by displaying a screen or outputting a predetermined sound indicating that payment has been completed.

[0023] Furthermore, payment using the terminal device 10 may involve not only transferring electronic money from an account where user Y has pre-charged electronic money to the store Xa's account, but also, for example, payment using a credit card that user Y has pre-registered. In such a case, for example, the terminal device 10 may transfer the payment amount in electronic money to the store Xa's account and also bill the user Y's credit card company for the payment amount.

[0024] Furthermore, the payment methods and services described above are not limited to those for the purchase of goods or the provision of services (settlement of debts). For example, as described above, payment methods and services may have functions related to transfers between accounts held by multiple users. In other words, the payment methods and services described above are services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as a user or a store. That is, the payment methods and services according to the embodiment may be provided in any form as long as they are transaction methods or transaction services that perform various controls to realize the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various debt processing such as installment payments and bonus payments, and various other controls related to the exchange of assets including electronic money). Moreover, the various controls realized by such transaction methods and transaction services may include both settlement controls and transfer controls. In other words, "transaction" is a concept that includes not only "settlement" of electronic money, but also "transfer" of electronic money and various other processing. In other words, the information processing device 100 may be an information processing device that implements a transaction means for controlling the exchange of electronic money between any two owners.

[0025] Furthermore, the information processing device 100 shown in Figure 1 provides a corporate account service for corporations. The corporate account service is used when corporations utilize various services related to domestic foreign exchange transactions. In the corporate account service, the corporate account provided to business operator X by the information processing device 100 includes a main wallet and a sub-wallet.

[0026] The main wallet is linked to a financial institution account designated in advance by business operator X. For example, business operator X can deposit funds to be used for various services through this main wallet. For example, business operator X can deposit funds into a one-time account designated in advance by the information processing device 100 via bank transfer. Funds deposited into the one-time account are added to the balance of the main wallet held by business operator X's corporate account through the deposit system. Although not illustrated in Figure 1, business operator X can also receive withdrawals of funds remaining after they have not been used for various service transactions through this main wallet. In addition, the sub-wallet is linked to various services that business operator X has registered to use in advance. In the example shown in Figure 1, it is linked to a remittance system that sends money to other user accounts. For example, an amount equivalent to the amount to be sent from the main wallet to another user account is added to the balance of the sub-wallet and sent to the other user account through the remittance system.

[0027] The information processing device 100 according to this embodiment enables merchants of electronic payment services to transfer and utilize sales proceeds generated by electronic payment services as a source of funds for various services, such as the remittance system shown in Figure 1, in a shorter cycle and with greater ease than before, through the information processing described below. In the following description, it is assumed that business operator X has entered into a merchant agreement with a business operator that operates electronic payment services and corporate account services as a merchant of electronic payment services, and has also entered into a user agreement for corporate account services. In other words, business operator X can be said to be a service user in a predetermined contractual relationship with a business operator that operates electronic payment services and corporate account services.

[0028] For example, user Y operates the terminal device 10 to read the 2D code Q installed in store Xa and sends the payment request related to the electronic payment described above to the information processing device 100.

[0029] The information processing device 100 performs a settlement process to process a settlement request received from user Y (step S1). The information processing device 100 has an electronic payment service sales wallet for temporarily storing the sales proceeds generated as a result of the settlement process. For example, the electronic payment service sales wallet is managed for each store that is a merchant of the electronic payment service.

[0030] Next, the information processing device 100 performs a sales transaction (step S2) in which an amount equivalent to at least a portion of the sales proceeds generated as a result of the settlement transaction is processed as a money balance linked to the corporate account. The sales transaction can be performed at a predetermined time specified in advance by business operator X, such as a daily or monthly closing.

[0031] Specifically, the information processing device 100 has a sales receipt method storage unit that stores information on the method of receiving sales proceeds, which is set in advance by business operator X. When business operator X, which has entered into a merchant agreement as a merchant of an electronic payment service, has also entered into a corporate account service usage agreement under the same corporate name, the information processing device 100 can accept from business operator X the selection of cash or electronic money as the method of receiving sales proceeds. Furthermore, for example, if electronic money is selected as the method of receiving sales proceeds, the information processing device 100 may also accept the setting of the amount to be received as electronic money. In this case, the information processing device 100 deducts an amount equivalent to the amount to be received as electronic money from the sales proceeds and settles the remaining sales proceeds as cash. Furthermore, for example, if business operator X operates multiple stores, the information processing device 100 may also accept the setting of the receipt method for each store operated.

[0032] The information processing device 100 then confirms the method of receiving sales proceeds for store Xa based on the store identification information included in the payment information received from user Y, and processes the sales according to the confirmed method of receiving proceeds. In the case shown in Figure 1, if electronic money is set as the method of receiving sales proceeds for store Xa, the information processing device 100 adds an amount equivalent to the sales proceeds to the balance of the main wallet. If cash is set as the method of receiving sales proceeds for store Xa, the information processing device 100 pays an amount equivalent to the sales proceeds to a financial institution account designated in advance by business operator X. Note that in Figure 1, the financial institution account to which the funds are paid may be another financial institution account designated by business operator X.

[0033] As described above, the information processing device 100 according to this embodiment can add the sales proceeds generated by electronic payment services to the balance of the main wallet, instead of disbursing them to a financial institution account as in the conventional method. This allows business operators X, who are service users, to transfer and use the sales proceeds generated by electronic payment services as the source of funds for various services in a shorter cycle and with greater ease than before. In this way, the information processing device 100 according to this embodiment can support the efficient reuse of sales proceeds generated by electronic payment services.

[0034] Furthermore, the information processing device 100 according to this embodiment can provide the service user with the wallet balance history. For example, as shown in Figure 1, the information processing device 100 has a balance history storage unit that records information showing the balance history of the main wallet for each user of the corporate account service, including business operator X. The information processing device 100 can then provide business operator X with the balance history information stored in the balance history storage unit in response to a request from business operator X. For example, the information processing device 100 can provide business operator X with information showing the balance history corresponding to a period specified by the business operator. As a result, the information processing device 100 according to this embodiment can, for example, assist business operator X in retrospectively verifying the flow of sales proceeds added to the main wallet balance.

[0035] [2. Example of device configuration] The configuration of the information processing device 100 according to this embodiment will be described below. Figure 2 is a block diagram showing an example of the configuration of the information processing device according to this embodiment.

[0036] As shown in Figure 2, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0037] (Regarding Communications Unit 110) The communication unit 110 is connected to the network N by wire or wireless connection. The communication unit 110 transmits and receives information to and from the terminal device 10 via the network N. The communication unit 110 is implemented, for example, by a NIC (Network Interface Card). The network N is a WAN (Wide Area Network) such as the Internet. Network N may also include communication networks such as a LAN (Local Area Network), a telephone network (for example, a mobile phone network or a fixed telephone network), or a regional IP (Internet Protocol) network. Furthermore, network N may include a wired network or a wireless network.

[0038] (Regarding memory unit 120) The storage unit 120 stores programs and data used for control and calculations by the control unit 130. The storage unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) and flash memory, or by storage devices such as hard disks and optical discs. As shown in Figure 3, the storage unit 120 includes a business information storage unit 121, a sales receipt method storage unit 122, and a balance history storage unit 123.

[0039] (Regarding the business information storage unit 121) The business information storage unit 121 stores business information relating to businesses that use the corporate account service. Figure 3 is a diagram showing an overview of the business information stored in the business information storage unit according to this embodiment. Note that Figure 3 shows an example of business information according to this embodiment, and it may be configured in a different form than the example shown in Figure 3.

[0040] As shown in Figure 3, the business information stored in the business information storage unit 121 has multiple items, such as "Business ID," "Corporate Account ID," "Wallet," and "Financial Institution Account." These items in the business information are interconnected.

[0041] The "Business ID" field stores the Business ID, which is identification information used to identify businesses using the corporate account service. The "Corporate Account ID" field stores the Corporate Account ID, which is identification information used to identify corporate accounts.

[0042] The "Wallet" section includes multiple items such as "Main Wallet," "Sub Wallet 1," "Sub Wallet 2," and "Sub Wallet 3."

[0043] The "Main Wallet" field stores the Main Wallet ID, which is identification information used to identify the main wallet, and the balance of the money registered in the main wallet.

[0044] Each item, such as "Subwallet 1" to "Subwallet 3," stores the Subwallet ID, which is identification information for identifying the subwallet, and the balance of the money registered in the subwallet.

[0045] The "Financial Institution Account" field stores the account number of the financial institution linked to the main wallet. This account number is used as the destination for withdrawals from the main wallet balance.

[0046] (Regarding the sales receipt method storage unit 122) The sales receipt method storage unit 122 stores information regarding the sales receipt method, which is set in advance by the business operator. Figure 4 is a diagram showing an overview of the information regarding the sales receipt method stored in the sales receipt method storage unit according to this embodiment. Note that Figure 4 shows an example of the information regarding the sales receipt method according to this embodiment, and the system may be configured in a different form than the example shown in Figure 4.

[0047] As shown in Figure 4, the information regarding the method of receiving sales proceeds stored in the sales receipt method storage unit 122 includes multiple items such as "business ID," "store ID," and "receipt method." These items in the information regarding the method of receiving sales proceeds are interconnected.

[0048] The "Business ID" field stores the Business ID, which is identification information used to identify businesses using the corporate account service. The "Store ID" field stores Store ID, which is identification information used to identify stores operated by the business. The "Payment Method" field stores information indicating the method of receiving sales proceeds selected by the business.

[0049] According to Figure 4, the business identified by business ID: "Business #001" has selected "electronic money" as the method for receiving sales proceeds from the store identified by store ID: "Store #001-1" among the stores it operates.

[0050] Furthermore, the sales receipt method storage unit 122 may also store information indicating the timing for executing the sales process. Additionally, if both electronic money and cash are selectable as methods for receiving sales proceeds, the sales receipt method storage unit 122 may store the amount to be received as electronic money and the amount to be received as cash. Furthermore, if both electronic money and cash are selectable as methods for receiving sales proceeds, the sales receipt method storage unit 122 may, instead of storing the respective amounts, store the percentage of payments received as electronic money and the percentage of payments received as cash.

[0051] (Regarding the balance history storage unit 123) The balance history storage unit 123 stores information indicating the balance history of the main wallet. Figure 5 is a diagram showing an overview of the information indicating the balance history of the main wallet according to this embodiment. Note that Figure 5 shows an example of the information indicating the balance history according to this embodiment, and it may be configured in a different form than the example shown in Figure 5.

[0052] As shown in Figure 5, the balance history information stored in the balance history storage unit 123 includes multiple items such as "Business ID," "Date," "Description," "Deposit," "Withdrawal," and "Money Balance." These items in the balance history information are interconnected.

[0053] The "Business ID" field stores the Business ID, which is identification information used to identify businesses using the corporate account service. The "Date" field stores information indicating the date on which transactions such as deposits to the main wallet (addition of balance) and withdrawals from the main wallet (deduction of balance) occurred. The "Description" field stores information indicating the details of the transaction to the main wallet.

[0054] The "Deposits" section stores information indicating the amount deposited into the main wallet. The "Withdrawals" section stores information indicating the amount withdrawn from the main wallet. The "Money Balance" section stores information indicating the balance of the main wallet.

[0055] The information processing device 100 can provide the balance history of the main wallet upon request from the business operator. For example, the information processing device 100 can obtain information corresponding to a period specified by the business operator from the balance history storage unit 123 and provide the obtained information to the business operator. The information that the information processing device 100 provides to the business operator may be information on all items in the balance history information, or it may be information on any of these items. The information processing device 100 may also accept a selection of the items that the business operator wishes to receive.

[0056] (Regarding the control unit 130) The control unit 130 is a controller that performs control and calculations for the information processing device 100. Each part of the control unit 130 is realized by executing various programs stored in the internal memory of the information processing device 100 using RAM as the working area, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit). The control unit 130 is also realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), or SoC (System on a Chip).

[0057] As shown in Figure 2, the control unit 130 includes a reception unit 131, a payment processing unit 132, and a sales processing unit 133. The control unit 130 realizes or executes the information processing functions and operations described below through the parts shown in Figure 2.

[0058] (Regarding reception desk 131) The reception unit 131 accepts from the service user (for example, business operator X shown in Figure 1) the choice of receiving sales proceeds in cash or electronic money. Furthermore, if electronic money is selected as the receiving method, the reception unit 131 can also accept the setting of the amount to be received as electronic money.

[0059] (Regarding payment processing unit 132) The settlement processing unit 132 performs settlement processing to process settlement requests for the electronic payment service. The settlement processing unit 132 processes settlement requests transmitted from a terminal device 10 that reads a two-dimensional code Q, which is a two-dimensional code placed in a store that is a merchant of the electronic payment service and indicates store identification information that identifies the store. The settlement processing unit 132 has an electronic payment service sales wallet that temporarily stores the sales proceeds generated as a result of the settlement processing. For example, the electronic payment service sales wallet is managed for each store that is a merchant of the electronic payment service. The settlement processing unit 132, for example, passes sales information for each store (store identification information) to the sales processing unit 133 at a predetermined timing.

[0060] (Regarding Sales Processing Unit 133) The sales processing unit 133 processes an amount equivalent to at least a portion of the sales proceeds generated from payment processing for the service user as a money balance linked to the corporate account, in accordance with the request from the service user. The sales processing unit 133 can be executed at predetermined times specified in advance by business operator X, such as daily or monthly closing.

[0061] For example, when the sales processing unit 133 receives sales information from the settlement processing unit 132, it refers to the information regarding the sales receipt method stored in the sales receipt method storage unit 122 to confirm the receipt method corresponding to the store identification information included in the sales information, and processes the sales according to the confirmed receipt method. Specifically, if electronic money is set as the method for receiving sales, the sales processing unit 133 adds an amount equivalent to the sales to the main wallet as the balance of electronic money managed in conjunction with the corporate account held by the corresponding business operator (the business operator that operates the store identified by the store identification information). One example of a specific method for adding to the main wallet balance is to deposit the cash equivalent to the sales into a one-time account linked to the corporate account of business operator X and add it to the main wallet balance, or to directly move the cash from the bank account managed by the payment service to the bank account managed by the current corporate account service and add it to the main wallet balance. Furthermore, if cash is set as the method of receiving sales proceeds, the sales processing unit 133 will pay an amount equivalent to the sales proceeds to a financial institution account designated in advance by the corresponding business operator (the business operator that operates the store identified by the store identification information).

[0062] Furthermore, if the sales receiving method storage unit 122 has set electronic money as the method of receiving sales and has set the amount to be received as electronic money, the sales processing unit 133 can add the electronic money equivalent to the received amount to the balance of the main wallet of the corporate account held by the corresponding business operator (the business operator that operates the store identified by the store identification information).

[0063] [3. Processing Procedure] Next, an example of a processing procedure by the information processing device 100 according to this embodiment will be described using Figure 6. Figure 6 is a flowchart showing an example of a processing procedure by the information processing device according to this embodiment. The processing procedure shown below is repeatedly executed by the control unit 130 of the information processing device 100.

[0064] As shown in Figure 6, when the sales processing unit 133 receives sales information from the settlement processing unit 132, it refers to the sales receipt method storage unit 122 to confirm the receipt method corresponding to the store identification information included in the sales information (step S101).

[0065] Then, if the method of receiving the sales proceeds is electronic money, the sales processing unit 133 adds an amount equivalent to the sales proceeds to the corresponding business operator's wallet (step S102), and terminates the processing procedure shown in Figure 6. In other words, the sales processing unit 133 adds the electronic money equivalent to the sales proceeds to the balance of the main wallet of the corporate account held by the business operator that operates the store, which is identified by the store identification information included in the sales proceeds information.

[0066] Then, if the method of receiving the sales proceeds is cash, the sales processing unit 133 pays an amount equivalent to the sales proceeds to a financial institution account designated by the corresponding business operator (step S103), and terminates the processing procedure shown in Figure 6. In other words, the sales processing unit 133 transfers the sales proceeds to a financial institution account designated by the business operator that operates the store identified by the store identification information included in the sales proceeds information.

[0067] [4. Variations] The embodiment described above is merely an example of information processing according to this embodiment, and various modifications and applications are possible.

[0068] (4-1. Receive a portion of sales proceeds in electronic money) For example, in the above example of information processing, the information processing device 100 may perform sales processing so that the business operator can receive at least a portion of the sales proceeds as electronic money. In this case, for example, the information processing device 100 receives from the business operator the setting of the amount to be received as electronic money from the sales proceeds, and registers information regarding the received amount in the sales receipt method storage unit 122 in association with the business operator. The sales processing unit 133 refers to the sales receipt method storage unit 122 to confirm the amount to be received as electronic money. Then, the sales processing unit 133 adds the amount equivalent to the received amount confirmed by referring to the sales receipt method storage unit 122 to the main wallet as the balance of electronic money managed in association with the corporate account held by the corresponding business operator, and pays the remainder in cash to the financial institution account specified by the business operator. The specific method for adding the amount to the main wallet balance is as follows: either deposit the cash equivalent to the received amount into a one-time account linked to business X's corporate account and add it to the main wallet balance; or directly transfer the cash from the bank account managed by the payment service to the bank account managed by the current corporate account service and add it to the main wallet balance.

[0069] (4-2. Regarding the decision on where to transfer sales proceeds) For example, in the above example of information processing, the information processing device 100 may query the business operator to determine whether or not to add an amount of electronic money equivalent to the sales revenue to the balance of the main wallet. In this case, the information processing device 100 may obtain in advance from the business operator the criteria for deciding whether or not to query the business operator. An example of such criteria is when the sales revenue reaches a certain amount.

[0070] Furthermore, the information processing device 100 may proactively determine whether or not to add an amount of electronic money equivalent to the sales proceeds to the balance of the main wallet. In this case, the information processing device 100 can obtain in advance from the business operator the criteria for determining whether or not to add the sales proceeds to the balance of the main wallet. An example of the criteria for determination is when there are unpaid charge instruction transactions. In other words, for example, in a corporate account service used by business operator X who has entered into a contract, the corporate account service has received a charge instruction from business operator X to another account, but the amount of that charge instruction transaction has not been paid due to insufficient balance in business operator X's corporate account.

[0071] (4-3. Regarding the collection of service fees) For example, in the above example of information processing, the information processing device 100 may collect a service fee (commission) when disbursing sales proceeds to a financial institution account and when adding them to the balance of the main wallet. The service fee may be a flat rate for all service users, or it may be an amount calculated by multiplying the disbursed or added amount by a predetermined collection rate (%). In the case of disbursing to a financial institution account, it may also be the deposit fee paid to the financial institution at the time of disbursement. Furthermore, the service fee for adding to the balance of the corporate account may be set lower than the deposit fee for disbursing to a financial institution account. This is expected to have the effect of promoting service use for service providers.

[0072] (4-4. Regarding the provision of sales processing history) For example, in the information processing described above, the information processing device 100 may provide a sales processing history so that, for example, business operator X, a service user, can refer to the sales processing history as needed. For example, the sales processing unit 133 can, in response to a request from business operator X, provide information as a sales processing history that includes information indicating the date and time of processing, information indicating whether the payment was made to a bank account or added to the balance of the corporate account service, and information indicating the amount of the payment.

[0073] [5. Hardware Configuration] Furthermore, the information processing device 100 according to this embodiment described above is implemented by a computer 1000 having the configuration shown in Figure 7. Figure 7 is a hardware configuration diagram showing an example of a computer that implements the functions of the service provision device according to this embodiment or a modified example.

[0074] Computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output interface 1060, an input interface 1070, and a network interface 1080 are connected by a bus 1090.

[0075] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, as well as programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as RAM, that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device where data used by the arithmetic unit 1030 for various calculations and various databases are registered, and is implemented using ROM (Read Only Memory), HDD, flash memory, etc.

[0076] Output IF1060 is an interface for transmitting information to be output to output devices 1010, such as monitors and printers, and is implemented using connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (High Definition Multimedia Interface). Input IF1070 is an interface for receiving information from various input devices 1020, such as mice, keyboards, and scanners, and is implemented using, for example, USB.

[0077] The input device 1020 may also be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), DVD (Digital Versatile Disc), or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), tape media, magnetic recording media, or semiconductor memory. Furthermore, the input device 1020 may be an external storage medium such as a USB memory stick.

[0078] Network IF1080 receives data from other devices via network N and sends it to the arithmetic unit 1030, and also transmits data generated by the arithmetic unit 1030 to other devices via network N.

[0079] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0080] For example, when the computer 1000 functions as the information processing device 100 according to this embodiment, the arithmetic unit 1030 of the computer 1000 realizes the same functions as the control unit 330 by executing a program (for example, an information processing program) loaded on the primary storage device 1040. That is, the arithmetic unit 1030 realizes the processing by the information processing device 100 according to this embodiment in cooperation with the program (for example, an information processing program) loaded on the primary storage device 1040.

[0081] Furthermore, when the computer 1000 functions as the modified information processing device 100, the arithmetic unit 1030 of the computer 1000 realizes the same functions as the control unit 430 by executing a program (for example, an information processing program) loaded onto the primary storage device 1040. In other words, the arithmetic unit 1030 realizes the processing by the modified information processing device 100 in cooperation with the program (for example, an information processing program) loaded onto the primary storage device 1040.

[0082] [6. Effects] As described above, the information processing device 100 according to this embodiment has a sales processing unit 133 that, in accordance with a request from a service user, processes an amount of electronic money equivalent to the sales proceeds generated in connection with the settlement process for the service user as a money balance linked to the corporate account.

[0083] Furthermore, corporate accounts have a wallet (for example, a main wallet) linked to a bank account owned by the service user. The information processing device 100 also has a reception unit 131 that accepts the user's choice of cash or electronic money as the method of receiving sales proceeds. If electronic money is selected as the method of receiving payments, the sales processing unit 133 adds an amount of electronic money equivalent to the sales proceeds to the wallet balance.

[0084] Furthermore, the sales processing unit 133 performs processing on the sales proceeds at predetermined timings.

[0085] Thus, the information processing device 100 according to this embodiment can add the sales proceeds generated by electronic payment services to the balance of the main wallet, instead of disbursing them to a financial institution account as in the conventional method. As a result, businesses that are service users can transfer and utilize the sales proceeds generated by electronic payment services as the source of funds for various services in a shorter cycle and more easily than before. In this way, the information processing device 100 according to this embodiment can support the efficient reuse of sales proceeds generated by electronic payment services through the processing performed by each of the above-described parts, or any combination of each part.

[0086] Furthermore, the sales processing unit 133 provides the service user with the wallet balance history. This allows the information processing device 100 according to this embodiment to assist, for example, a business operator in retrospectively verifying the flow of sales proceeds added to the main wallet balance.

[0087] Furthermore, the reception unit 131 accepts the selection of electronic money only if the service user has contracted both the merchant agreement and the corporate account agreement with the same business operator. This enables the information processing device 100 to smoothly process sales for the service user to transfer and use the sales proceeds.

[0088] Furthermore, the reception unit 131 receives the amount to be received as electronic money from the sales proceeds, and the sales processing unit 133 adds an amount equivalent to the received amount to the wallet balance. This allows the information processing device 100 to improve the usability for service users.

[0089] Furthermore, if there are any unpaid charge instruction transactions, the sales processing unit 131 adds an amount equivalent to the sales proceeds to the wallet balance. This allows the information processing unit 100 to reduce the effort required from service users.

[0090] [7. Other] Although this embodiment and some of its modifications have been described in detail with reference to the drawings, these are merely examples, and the present invention can be implemented in various other forms with modifications and improvements based on the knowledge of those skilled in the art, starting with the embodiments described in the disclosure section of the invention.

[0091] Furthermore, the aforementioned information processing device 100 can be flexibly modified in its configuration, for example, by calling external platforms via APIs (Application Programming Interfaces) or network computing depending on the function.

[0092] Furthermore, the term "part" in the claims can be replaced with "means," "circuit," etc. For example, "control unit" can be replaced with "control means" or "control circuit."

[0093] Furthermore, the effects described in the embodiments of this application are merely descriptive or illustrative and not limiting. In other words, the embodiments of this application may produce other effects that are obvious to those skilled in the art from the description of the embodiments, in addition to or instead of the effects described above. [Explanation of Symbols]

[0094] 100 Information Processing Devices 110 Communications Department 120 Storage section 121 Business information storage unit 122 Sales Receipt Method Storage Unit 123 Balance history storage unit 130 Control Unit 131 Reception Department 132 Payment Processing Unit 133 Sales Processing Department

Claims

1. An information processing device for managing corporate accounts individually assigned to service users, A sales processing unit processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, in accordance with a request from the service user. It has, The aforementioned sales processing unit, The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing device characterized by the following:

2. An information processing device for managing corporate accounts individually assigned to service users, A sales processing unit processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, in accordance with a request from the service user. It has, The aforementioned sales processing unit, The service user is asked whether or not to add an amount equivalent to the sales revenue to the balance of the wallet linked to the corporate account, and the sales revenue is processed according to the response from the service user. An information processing device characterized by the following:

3. A predetermined service fee will be collected from the aforementioned sales proceeds, calculated based on a predetermined collection rate. The information processing apparatus according to claim 1 or 2.

4. If cash is selected as the method of receiving the sales proceeds, the prescribed service fee will be collected when the sales proceeds are withdrawn to the financial institution account designated in advance by the service user. The information processing apparatus according to claim 3.

5. When an amount equivalent to the aforementioned sales proceeds is added to the balance of the wallet linked to the corporate account, the predetermined service fee is set lower than when the aforementioned sales proceeds are withdrawn to a financial institution account designated in advance by the service user. The information processing apparatus according to claim 3.

6. An information processing device for managing corporate accounts individually assigned to service users, A sales processing unit that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A reception desk that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. It has, The aforementioned sales processing unit, The service user is asked whether or not to add an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and the sales revenue is processed according to the response from the service user. The criteria for deciding whether or not to contact the service user are obtained in advance from the service user. An information processing device characterized by the following:

7. An information processing device for managing corporate accounts individually assigned to service users, A sales processing unit that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A reception desk that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. It has, The aforementioned sales processing unit, The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing device characterized by the following:

8. An information processing method performed by a computer that manages corporate accounts individually assigned to service users, A sales processing step that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account. Includes, The aforementioned sales processing process is: The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing method characterized by the following:

9. A computer that manages corporate accounts individually assigned to service users, A sales processing procedure that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account. Make it run, The aforementioned sales processing procedure is: The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing program characterized by the following features.

10. An information processing method performed by a computer that manages corporate accounts individually assigned to service users, A sales processing step which, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A receiving process that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. Includes, The aforementioned sales processing process is: The service user is asked whether or not to add an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and the sales revenue is processed according to the response from the service user. The criteria for deciding whether or not to contact the service user are obtained in advance from the service user. An information processing method characterized by the following:

11. A computer that manages corporate accounts individually assigned to service users, A sales processing procedure that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A reception procedure that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. Make it run, The aforementioned sales processing procedure is: The service user is asked whether or not to add an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and the sales revenue is processed according to the response from the service user. The criteria for deciding whether or not to contact the service user are obtained in advance from the service user. An information processing program characterized by the following features.

12. An information processing method performed by a computer that manages corporate accounts individually assigned to service users, A sales processing step which, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A receiving process that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. Includes, The aforementioned sales processing process is: The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing method characterized by the following:

13. The computer that manages the corporate accounts individually assigned to service users, A sales processing procedure that, in accordance with a request from the service user, processes an amount equivalent to the sales proceeds generated in connection with the payment processing for the service user as a money balance linked to the corporate account, A reception procedure that accepts the choice of at least one of cash or electronic money as the method of receiving the aforementioned sales proceeds. Make it run, The aforementioned sales processing procedure is: The system obtains criteria from the service user in advance for adding an amount equivalent to the sales revenue in electronic money to the balance of the wallet linked to the corporate account, and processes the sales revenue based on the obtained criteria. An information processing program characterized by the following features.

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