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

Abstract

To enable efficient processing of services related to digital money.SOLUTION: An information processing device disclosed herein comprises a sort processing unit, a payment processing unit, and a remittance processing unit. The sort processing unit sorts processing request-based processing into either of payment preprocessing and remittance preprocessing according to request identification information pre-embedded in code information associated with either payment or remittance and included in a processing request to identify processing content corresponding to the processing request from a user. When sorted to payment processing, the payment processing unit adds an amount of electronic money corresponding to a payment amount included in the processing request to a balance of a wallet associated with a service corresponding to the payment processing as sales proceeds of a service user. When sorted to remittance processing, the remittance processing unit adds an amount of electronic money corresponding to a remittance amount included in the processing request to a balance of a wallet associated with a corporate account as a received amount of the service user.SELECTED DRAWING: Figure 4

Description

Technical Field

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

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 its convenience, electronic payment services conducted online using user terminals such as smartphones owned by individual users are spreading among consumers.

[0003] Also, in franchise 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 franchise store registered with the payment operator that provides the above-mentioned electronic payment service. For example, when a user pays with electronic money, a mechanism has been proposed to deposit money into the account of the franchise store in response to a fund conversion request from the franchise store.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, the conventional technology has room for improvement in efficiently executing services related to digital money.

[0006] The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method 、 an information processing program , and information processing systems that can efficiently execute services related to digital money. [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 distribution processing unit, a settlement processing unit, and a remittance processing unit. The distribution processing unit distributes the processing based on a processing request to either settlement processing or remittance processing based on request identification information included in the processing request, which is information pre-embedded within the code information to which either settlement or remittance is associated, in order to identify the processing content corresponding to the processing request from the user. If the processing request is distributed to settlement processing, the settlement processing unit adds an amount of electronic money equivalent to the settlement amount included in the processing request to the balance of the wallet linked to the service corresponding to the settlement processing as the service user's sales revenue. If the processing request is distributed to remittance processing, the remittance processing unit adds an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the wallet linked to the corporate account as the service user's received funds. [Effects of the Invention]

[0008] According to one embodiment, the processing of services related to digital money can be performed efficiently. [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 an explanatory diagram illustrating the contents of the payment processing according to this embodiment. [Figure 3] Figure 3 is an explanatory diagram illustrating the contents of the remittance process according to this embodiment. [Figure 4] Figure 4 is a block diagram showing an example configuration of the information processing device according to this embodiment. [Figure 5] Figure 5 is a diagram showing an overview of the service usage information according to this embodiment. [Figure 6] Figure 6 shows an overview of the payment-enabled wallet information according to this embodiment. [Figure 7] FIG. 7 is a diagram showing an overview of information regarding the corporate account according to the present embodiment. [Figure 8] FIG. 8 is a flowchart showing an example of a processing procedure of the information processing apparatus according to the present embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the service providing apparatus according to the present embodiment or a modified example.

BEST MODE FOR CARRYING OUT THE INVENTION

[0010] Hereinafter, a form for implementing an information processing apparatus, an information processing method 、 an information processing program , and information processing systems according to the present application will be described in detail with reference to the drawings (hereinafter referred to as "the present embodiment"). Note that the information processing apparatus, the information processing method 、 an information processing program , and information processing systems according to the present application are not limited by this embodiment. In addition, in the following embodiments, the same parts are denoted by the same reference numerals, and redundant descriptions are omitted.

[0011] 〔1. Example of Information Processing According to the Present Embodiment〕 Hereinafter, an example of information processing according to the present embodiment will be described with reference to FIG. 1. FIG. 1 is a diagram showing an overview of information processing according to the present embodiment.

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

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

[0014] The terminal device 10 shown in FIG. 1 is an information processing terminal used by user Y, who is a user of the electronic payment service provided by the information processing device 100. As a typical example of the terminal device 10, a smartphone is applicable, but it may also be realized by a tablet-type terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In the example of FIG. 1, a smartphone is shown as the terminal device 10. In the following description, the terminal device 10 may sometimes be referred to by substituting user Y. That is, user Y can be read as the terminal device 10. Also, in the following description, the user of the electronic payment service provided by the information processing device 100 may sometimes be simply referred to as the "user".

[0015] Also, the terminal device 10 has a communication unit for connecting to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: the 5th generation mobile communication system), or short-range wireless communication such as Bluetooth (registered trademark) and wireless LAN (Local Area Network). Thereby, user Y can 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] Also, the terminal device 10 can display information for using the electronic payment service provided by the information processing device 100 by means of a web browser or an application. At this time, when the terminal device 10 receives control information from the information processing device 100 for realizing information display processing by means of a web browser, an application, or the like, the terminal device 10 realizes the display processing in accordance with the received control information.

[0017] The information processing device 100 shown in Figure 1 provides an electronic payment service to user Y. The information processing device 100 is typically a server device, but may also be implemented as a mainframe or workstation. When the information processing device 100 is implemented as a server device, it may be implemented as a single server, or as a cloud system in which multiple server devices and multiple storage devices work together.

[0018] The information processing device 100 may also function as a distribution device that distributes control information to the terminal device 10 used by user Y. Here, the control information is written using, for example, a scripting language such as JavaScript® or a stylesheet language such as CSS (Cascading Style Sheets). The application itself distributed from the information processing device 100 may also be considered as control information.

[0019] Here, prior to describing the information processing according to the embodiment, an example of payment (electronic payment) using the terminal device 10 will be explained. In the following description, an example will be described in which a user makes a payment using the terminal device 10 with a two-dimensional code (QR code® registered trademark) placed in a store that is a merchant of the electronic payment service, which indicates store identification information that identifies the store. However, the embodiment is not limited to this. The example of payment described below can also be applied when any user makes a payment at any store using any terminal device. Furthermore, the store identification information may be not only a QR code® registered trademark, but also a barcode, a predetermined mark, a number, etc.

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

[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 the store. For example, terminal device 10 displays user identification information on its screen to identify the user. In such a case, the store terminal installed in the store reads the user identification information displayed on terminal device 10 and transmits payment information to 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 the store. In such a case, the information processing device 100 transfers the amount of electronic money indicated by the payment amount from the user's account indicated by the user identification information to the store's account, and may notify the store'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 the user has pre-charged electronic money to the store's account, but also, for example, payment using a credit card that the user has registered in advance. In such a case, for example, the terminal device 10 may transfer the electronic money amount of the payment to the store's account and also bill the user'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 corporate account services for corporations. Corporate account services are used when corporations utilize various services related to domestic foreign exchange transactions. In corporate account services, the corporate account provided by the information processing device 100 to business operator X includes, for example, a main wallet and a sub-wallet.

[0026] The main wallet is linked to a financial institution account designated in advance by the service provider. For example, the service provider can deposit funds through this main wallet to be used for transactions of various services that they have registered for use in advance. Also, for example, the service provider can withdraw funds that have not been used for transactions of various services through this main wallet. Sub-wallets are linked to various services that the service provider has registered for use in advance. Balances transferred from the main wallet to the sub-wallets are used for transactions of the various services.

[0027] The information processing device 100 according to this embodiment can efficiently process services related to digital money, such as electronic money, by distributing processing requests from users to appropriate processes, as described below. The information processing according to this embodiment will be described in detail below, following the flow expected when this information processing is carried out. In the following description, it is assumed that business operator X has entered into a merchant agreement as a merchant of the electronic payment service and a user agreement for the corporate account service with a business operator that operates the electronic payment service and the corporate account service. 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 the electronic payment service and the corporate account service.

[0028] For example, user Y operates terminal device 10 to read a 2D code Q associated with business operator X and sends a processing request corresponding to the 2D code Q to information processing device 100. The 2D code Q shown in Figure 1 is associated with either a payment or remittance process. The 2D code Q is configured to be readable using terminal device 10 when user Y sends a processing request. If the 2D code Q is code information for payment purposes, it is envisioned to be installed in stores that are affiliated with electronic payment services. If the 2D code Q is code information for remittance purposes, it is envisioned to be placed on a designated website for fundraising such as crowdfunding. The processing request sent from terminal device 10 to information processing device 100 includes request identification information to identify the processing content corresponding to the processing request. For example, the request identification information is pre-embedded within the code when the 2D code Q is written.

[0029] The information processing device 100 performs a sorting process (step S1) to distribute the processing request received from user Y to either a settlement process or a remittance process. For example, the information processing device 100 distributes the processing based on the processing request to either a settlement process or a remittance process based on the request identification information included in the processing request from user Y.

[0030] Furthermore, if the information processing device 100 assigns a processing request to settlement processing, it executes the settlement processing according to the content of the processing request (step S2-1). If the settlement processing is completed successfully, the information processing device 100 accepts the deposit of electronic money equivalent to the settlement amount through the payment service-compatible wallet provided to business operator X based on the conclusion of the merchant agreement for the electronic payment service. Then, at a predetermined timing in accordance with the merchant agreement, the information processing device 100 pays the balance of the payment service-compatible wallet to a financial institution account that business operator X has designated in advance as the recipient of the transfer.

[0031] Furthermore, if the information processing device 100 assigns a processing request to a remittance process, it executes the remittance process according to the content of the processing request (step S2-2). If the remittance process is successfully completed, the information processing device 100 accepts the deposit of electronic money equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of business operator X. The information processing device 100 then adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet held by the corporate account as funds received by business operator X. Then, at a predetermined timing in accordance with the corporate account service agreement, the information processing device 100 pays the balance of the corporate wallet to a financial institution account that business operator X has designated in advance as the recipient of the transfer.

[0032] In this way, the information processing device 100 according to this embodiment can distribute processing requests from user Y to appropriate processing, and can efficiently execute processing related to digital money services such as electronic money. Furthermore, the information processing device 100 according to this embodiment can provide user Y with a service that processes payment processing and remittance processing on the same platform.

[0033] The settlement and distribution processes according to this embodiment will be described in detail below using Figures 2 and 3. Figure 2 is an explanatory diagram illustrating the settlement process according to this embodiment. Figure 3 is an explanatory diagram illustrating the remittance process according to this embodiment.

[0034] First, the contents of the payment processing according to this embodiment will be explained using Figure 2. As shown in Figure 2, the terminal device 10 reads the two-dimensional code Q1-1 (step S11) and sends a processing request to the information processing device 100 (step S12). In the example shown in Figure 2, the processing request sent from the terminal device 10 to the information processing device 100 by reading the two-dimensional code Q1-1 includes, for example, store identification information to identify the store that is a member store.

[0035] When the information processing device 100 receives a processing request from the terminal device 10, it identifies whether the processing request is a request based on a 2D code Q corresponding to payment or remittance (step S13). In the case shown in Figure 2, the information processing device 100 determines that the processing request is a request based on a 2D code Q1-1 corresponding to payment because the processing request does not contain a remittance identifier (an example of request identification information) indicating that it is a remittance process. The remittance identifier is identification information that indicates that it is a code corresponding to remittance. The remittance identifier is not embedded within the code that describes the 2D code Q corresponding to payment (for example, the 2D code Q1-1 shown in Figure 2). Then, when the information processing device 100 identifies that the processing request is a request based on a 2D code Q1-1 corresponding to payment, it sends the store name corresponding to the store identification information to the terminal device 10, which is the source of the processing request (step S14), and links the information indicating payment to the payment application side of the terminal device 10.

[0036] When terminal device 10 receives a store name from information processing device 100, it displays a payment screen for settlement because the received information does not include a remittance identifier (step S15). On the payment screen for settlement, the user of terminal device 10 enters, for example, the settlement amount. Then, terminal device 10 sends a settlement instruction to information processing device 100 in response to the user's operation (step S16). The settlement instruction includes, for example, user identification information indicating the source of the settlement instruction, store identification information, and settlement amount information.

[0037] When the information processing device 100 receives a payment instruction from the terminal device 10, it executes the subsequent payment processing because the received information does not contain a remittance identifier. The subsequent payment processing corresponds, for example, to the payment processing in step S2-1 shown in Figure 1.

[0038] Next, the contents of the remittance process according to this embodiment will be explained using Figure 3. As shown in Figure 3, the terminal device 10 reads the two-dimensional code Q1-2 (step S21) and sends a processing request to the information processing device 100 (step S22). In the example shown in Figure 3, the processing request sent from the terminal device 10 to the information processing device 100 by reading the two-dimensional code Q1-2 includes, for example, store identification information and a remittance identifier. The remittance identifier is embedded, for example, within a code that describes the two-dimensional code Q corresponding to the remittance (for example, the two-dimensional code Q1-2 shown in Figure 3).

[0039] When the information processing device 100 receives a processing request from the terminal device 10, it identifies whether the processing request is based on a 2D code Q for payment or remittance (step S23). In the case shown in Figure 3, the information processing device 100 determines that the processing request is based on a 2D code Q1-2 corresponding to a remittance because the processing request contains a remittance identifier indicating that it is a remittance process. If the information processing device 100 identifies that the processing request is a request associated with a 2D code Q1-2 corresponding to a remittance, it sends the store name and remittance identifier to the terminal device 10, which is the source of the processing request (step S24), and links the information indicating the remittance to the payment application side of the terminal device 10.

[0040] When terminal device 10 receives the store name and remittance identifier from information processing device 100, it displays a payment screen for remittance because the received information includes the remittance identifier (step S25). On the payment screen for remittance, the user of terminal device 10 enters, for example, the remittance amount. Then, terminal device 10 sends a remittance instruction to information processing device 100 in response to the user's operation (step S26). The remittance instruction includes, for example, user identification information indicating the sender of the settlement instruction, store identification information, remittance identifier, and information on the remittance amount.

[0041] When the information processing device 100 receives a remittance instruction from the terminal device 10, it performs subsequent remittance processing based on the remittance identifier contained in the received information. The subsequent remittance processing corresponds, for example, to the remittance processing in step S2-2 shown in Figure 1.

[0042] [2. Example of device configuration] The configuration of the information processing device 100 according to this embodiment will be described below. Figure 4 is a block diagram showing an example of the configuration of the information processing device according to this embodiment.

[0043] As shown in Figure 4, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0044] (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.

[0045] (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 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 4, the storage unit 120 includes a service usage information storage unit 121, a payment-enabled wallet information storage unit 122, and a corporate account information storage unit 123.

[0046] (Regarding the service information storage unit 121) The service usage information storage unit 121 stores information about the services used by the service user. Figure 5 is a diagram showing an overview of the service usage information according to this embodiment. Note that Figure 5 shows an example of the service usage information according to this embodiment, and it may be configured in a different form than the example shown in Figure 5.

[0047] As shown in Figure 5, the service information stored in the service information storage unit 121 has multiple items, such as the "business ID" item and the "registered service" item. These items in the service information are interconnected.

[0048] The "Business ID" field stores the Business ID, which is identification information used to identify the business that is a service user. The "Registered Services" field includes multiple fields corresponding to each service provided to the business that is a service user, such as "Payment Services" and "Remittance Services." Electronic payment services become available by concluding a merchant agreement with the payment service provider. Remittance services become available after concluding a corporate account service agreement with the corporate account service provider and then registering for the remittance service.

[0049] Figure 5 shows that the business identified by business ID: "Business #001" is registered to use services such as "payment services" and "money transfer services."

[0050] (Regarding the payment-compatible wallet information storage unit 122) The payment-enabled wallet information storage unit 122 stores payment-enabled wallet information relating to payment-enabled wallets owned by businesses using the electronic payment service. Figure 6 is a diagram showing an overview of the payment-enabled wallet information according to this embodiment. Note that Figure 6 shows an example of the payment-enabled wallet information according to this embodiment, and it may be configured in a different form than the example shown in Figure 6.

[0051] As shown in Figure 6, the payment-enabled wallet information stored in the payment-enabled wallet information storage unit 122 has multiple fields, such as "Business ID," "Merchant ID," "Store ID," "Payment-Enabled Wallet," and "Financial Institution Account." These fields in the payment-enabled wallet information are interconnected.

[0052] The "Business ID" field stores the Business ID, which is identification information used to identify businesses that have entered into a merchant agreement as merchants of the electronic payment service. The "Merchant ID" field stores the Merchant ID, which is identification information used to identify merchants. The "Store ID" field stores the Store ID, which is identification information used to identify stores.

[0053] The "Payment-enabled wallet" field includes the "Wallet ID" field and the "Balance" field. The "Wallet ID" field stores the wallet ID, which is identification information used to identify the payment-enabled wallet. The "Balance" field stores information indicating the money balance of the payment-enabled wallet. The "Financial institution account" field stores the account number indicating the financial institution account linked to the main wallet. This account number is used as the destination for withdrawals from the main wallet balance.

[0054] The information processing device 100 performs payment processing related to the electronic payment service while referring to the payment-enabled wallet information stored in the payment-enabled wallet information storage unit 122.

[0055] (Regarding the Corporate Account Information Storage Unit 123) The corporate account information storage unit 123 stores information about corporate accounts corresponding to businesses that have entered into a corporate account service usage agreement. Figure 7 is a diagram showing an overview of the information about corporate accounts according to this embodiment. Note that Figure 7 shows an example of the information about corporate accounts according to this embodiment, and may be configured in a different form than the example shown in Figure 7.

[0056] As shown in Figure 7, the information about corporate accounts stored in the corporate account information storage unit 123 includes multiple items such as "Business ID," "Corporate Account ID," "Wallet," and "Financial Institution Account." These items in the information about corporate accounts are interconnected.

[0057] 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.

[0058] The "Wallet" section includes multiple items such as "Main Wallet," "Sub Wallet 1," and "Sub Wallet 2."

[0059] The "Main Wallet" field stores the Main Wallet ID, which is identification information used to identify the main wallet, and information indicating the balance of the money in the main wallet.

[0060] Each item, such as "Subwallet 1" or "Subwallet 2," stores the Subwallet ID, which is identification information for identifying the subwallet, and information indicating the subwallet's money balance.

[0061] 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.

[0062] The information processing device 100 performs remittance processing related to the remittance service while referring to information about corporate accounts stored in the corporate account information storage unit 123.

[0063] (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).

[0064] As shown in Figure 2, the control unit 130 includes a distribution processing unit 131, a settlement processing unit 132, and a remittance processing unit 133. The control unit 130 realizes or executes the information processing functions and operations described below through the parts shown in Figure 4.

[0065] (Regarding the distribution processing unit 131) The distribution processing unit 131 distributes the processing based on the processing request from the user to either settlement processing or remittance processing, based on the request identification information included in the processing request from the user. For example, the request identification information is pre-embedded in the 2D code that the user reads when sending the processing request. In this embodiment, a remittance identifier indicating that it is a remittance process is used as the request identification information. The remittance identifier is embedded inside the code that describes the 2D code corresponding to the remittance. For example, if the processing request includes a remittance identifier, the distribution processing unit 131 can determine that the processing request is a request based on the 2D code Q corresponding to a remittance. Also, if the processing request does not include a remittance identifier, the distribution processing unit 131 can determine that the processing request is a request based on the 2D code Q corresponding to settlement.

[0066] (Regarding payment processing unit 132) When a processing request is assigned to a payment processing request by the distribution processing unit 131, the payment processing unit 132 adds an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the electronic payment service corresponding to the payment processing, as sales revenue of the business user. For example, the payment processing unit 132 executes the payment processing in response to the processing request. Also, if the payment processing is completed successfully, the payment processing unit 132 accepts the deposit of electronic money equivalent to the payment amount through the payment service-compatible wallet. The payment service-compatible wallet is provided to the business upon conclusion of a merchant agreement and completion of registration for use of the payment service. Then, the information processing device 100 pays the balance of the payment service-compatible wallet to a financial institution account designated in advance by business X as the transfer destination at a predetermined timing in accordance with the merchant agreement.

[0067] (Regarding the remittance processing unit 133) When the distribution processing unit 131 has allocated a processing request to a remittance, the remittance processing unit 133 adds an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the corporate account of the service user business as funds received by the business. For example, the remittance processing unit 133 executes the remittance processing in accordance with the processing request. If the remittance processing is completed successfully, the remittance processing unit 133 accepts the deposit of an amount of electronic money equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of business X. The remittance processing unit 133 also adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet held by the corporate account as funds received by the business. Then, the information processing device 100 pays out the balance of the corporate wallet to a financial institution account designated in advance by the business as the recipient of the transfer at a predetermined timing in accordance with the corporate account service usage agreement.

[0068] [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 8. Figure 8 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.

[0069] As shown in Figure 8, the distribution processing unit 131 distributes the processing based on the processing request to either settlement processing or remittance processing based on the request identification information included in the processing request (step S101).

[0070] Then, the distribution processing unit 131 executes settlement processing or remittance processing based on the distribution result in step S101 (step S102), and terminates the processing procedure shown in Figure 8.

[0071] [4. Variations] The embodiment described above is merely an example of the information processing according to this embodiment, and various modifications and applications are possible.

[0072] (4-1. Regarding the entity responsible for making allocation decisions) For example, in the above example of information processing, the decision on which processing to distribute based on the 2D code Q may be performed by a dedicated application such as a payment application launched on the terminal device 10, or it may be made by the information processing device 100 as described above.

[0073] (4-2. Regarding Information Display) For example, in the above example of information processing, if business operator X has concluded both a merchant agreement for electronic payment services and a user agreement for corporate account services, the information processing device 100 may, upon request from business operator X, provide a combined history of sales proceeds from payment processing and a history of receipts based on remittance processing. This allows business operator X to check the details of their asset status all at once.

[0074] (4-3. In cases where a merchant agreement and a service agreement have been concluded) For example, in the information processing described above, if business operator X, a service user, has entered into both a merchant agreement for the electronic payment service and a user agreement for the corporate account service, and is in a state where both the payment service and the remittance service are available, the information processing device 100 may notify the sender of the processing request (for example, user Y shown in Figure 1) of a warning message indicating that the request will be processed based on the requested code information (for example, 2D code Q). In other words, this message is intended to confirm with user Y whether the processing currently being performed is a "payment" or a "remittance". This prevents the processing from being performed in a manner different from what user Y intended due to an error in the code information.

[0075] Specifically, when the information processing device 100 determines whether the processing request is based on a code corresponding to payment or remittance (for example, in processing phases such as step S13 in Figure 2 or step S23 in Figure 3) based on the request identification information included in the processing request from the terminal device 10, it also refers to the services that business operator X has registered to use, or refers to payment wallet information or corporate account information, to determine whether business operator X can use a service other than the identified code (for example, remittance if the code is payment). If the information processing device 100 determines that business operator X can use a service other than the identified code, it sends a warning message to the terminal device 10 informing it that it will process the request based on the identified code, for example, in processing phases such as step S14 in Figure 2 or step S24 in Figure 3. In response, the terminal device 10 displays the warning message when displaying the payment screen or remittance screen in processing phases such as step S15 in Figure 2 or step S25 in Figure 3.

[0076] (4-4. Issuance of code information in response to requests from service users) Furthermore, in the information processing described above, the control unit 130 of the information processing device 100 may have a code generation unit that provides a function to generate a two-dimensional code Q (an example of code information) in response to an issuance request from a service user, business operator X. In this case, the issuance request from business operator X may include, for example, the type of code to be generated (for example, a payment code or a remittance code), and a scheme may be adopted in which the two-dimensional code Q is issued on the condition that the type of code included in the issuance request corresponds to the service contracted by the business operator. When the code generation unit receives a code issuance request from business operator X, it checks the type of code included in the issuance request. Then, if the code type is a payment code, the code generation unit generates a payment code and issues it to business operator X if the service registered by business operator X includes a payment service.

[0077] [5. Hardware Configuration] Furthermore, the information processing device 100 according to this embodiment, as described above, is implemented by a computer 1000 having the configuration shown in Figure 9. Figure 9 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.

[0078] 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.

[0079] 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.

[0080] 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.

[0081] 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.

[0082] 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.

[0083] 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.

[0084] 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.

[0085] 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.

[0086] [6. Effects] As described above, the information processing device 100 according to this embodiment manages corporate accounts individually assigned to service users. The information processing device 100 also includes a distribution processing unit 131, a settlement processing unit 132, and a remittance processing unit 133. The distribution processing unit 131 distributes the processing request based on the request identification information included in the processing request from user Y to either settlement processing or remittance processing. If the processing request is distributed to settlement processing, the settlement processing unit 132 adds an amount of electronic money equivalent to the settlement amount included in the processing request to the balance of the wallet linked to the service corresponding to the settlement processing as the service user's sales revenue. If the processing request is distributed to remittance processing, the remittance processing unit 133 adds an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the wallet linked to the corporate account as the service user's received funds.

[0087] Furthermore, when user Y sends a processing request, the code information is pre-embedded within the code information that is written in a readable format using the terminal device 10 (an example of an information processing terminal).

[0088] Thus, the information processing device 100 according to this embodiment can distribute processing requests from user Y to appropriate processing, and can efficiently execute processing for services related to digital money such as electronic money. Furthermore, the information processing device 100 according to this embodiment can provide user Y with a service that processes payment processing and remittance processing on the same platform.

[0089] [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.

[0090] 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.

[0091] 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."

[0092] 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]

[0093] 100 Information Processing Devices 110 Communications Department 120 Storage section 121 Service Information Storage Unit 122 Payment-compatible wallet information storage unit 123 Corporate Account Information Storage Unit 130 Control Unit 131 Distribution Processing Unit 132 Payment Processing Unit 133 Remittance Processing Unit

Claims

1. An information processing device for managing corporate accounts individually assigned to service users, Information pre-embedded within code information associated with either payment or remittance, which, in order to identify the processing content corresponding to a processing request from a user, allocates the processing based on the processing request to either payment processing or remittance processing, When the payment is assigned to the aforementioned payment processing, the payment processing unit adds an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the service corresponding to the payment processing, as sales revenue of the service user. When the request is assigned to the aforementioned remittance processing, the remittance processing unit adds an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of a remittance service-compatible wallet linked to the corporate account, which is different from the payment service-compatible wallet, as funds received by the service user. An information processing device characterized by having the following features.

2. The aforementioned request identification information is, The code information, which is written in a readable format using an information processing terminal, is pre-embedded within the code information when the user sends a processing request. The information processing apparatus according to feature 1.

3. The aforementioned code information is, Issued in response to an issuance request from the aforementioned service user. The information processing apparatus according to feature 2.

4. The aforementioned issuance request is, Please include the type of code you wish to generate. The aforementioned code information is, Issued on the condition that the aforementioned type corresponds to the service contracted by the service user. The information processing apparatus according to claim 3.

5. The control unit transmits information to the terminal device used by the user to display a payment screen for settlement or a payment screen for remittance, according to the result of the distribution by the distribution processing unit. The information processing apparatus according to claim 1, characterized by having the following features.

6. The distribution processing unit is: If the request identification information does not include the remittance identifier, the processing based on the processing request is allocated to settlement processing. If the request identification information includes the remittance identifier, the processing based on the processing request is allocated to remittance processing. The information processing apparatus according to feature 1.

7. An information processing method performed by a computer that manages corporate accounts individually assigned to service users, Information pre-embedded within code information associated with either payment or remittance, and a distribution processing step that, in order to identify the processing content corresponding to the processing request from the user, distributes the processing based on the processing request to either payment processing or remittance processing, If the payment is assigned to the aforementioned payment processing, the payment processing step includes adding an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the service corresponding to the payment processing, as sales revenue of the service user, If the request is assigned to the aforementioned remittance process, the remittance process includes adding an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of a remittance service-compatible wallet linked to the corporate account, which is different from the payment service-compatible wallet, as a receipt for the service user. An information processing method characterized by including

8. The computer that manages the corporate accounts individually assigned to service users, Information pre-embedded within code information associated with either payment or remittance, and a distribution processing procedure that, in order to identify the processing content corresponding to the processing request from the user, distributes the processing based on the processing request to either payment processing or remittance processing, If the payment is assigned to the aforementioned payment processing, the payment processing procedure includes adding an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the service corresponding to the payment processing, as sales revenue of the service user, If the transaction is assigned to the aforementioned remittance process, the remittance processing procedure adds an amount of electronic money equivalent to the amount of remittance included in the processing request to the balance of a remittance service-compatible wallet linked to the corporate account, which is different from the payment service-compatible wallet, as a receipt for the service user. An information processing program characterized by causing the execution of [a specific action].

9. An information processing system comprising a terminal device used by a user of an electronic payment service and an information processing device that provides the electronic payment service and a corporate account service, The aforementioned terminal device is Information that is pre-embedded within code information associated with either payment or remittance, and that includes request identification information read from the code information in response to a reading operation by the user, is transmitted to the information processing device. The aforementioned information processing device is A distribution processing unit that, based on the request identification information contained in the processing request received from the terminal device, distributes the processing based on the processing request to either settlement processing or remittance processing, When the payment is allocated to the aforementioned payment processing, the payment processing unit adds an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the service corresponding to the payment processing, as sales revenue of the business using the corporate account service. When the transaction is assigned to the aforementioned remittance processing, the remittance processing unit adds an amount of electronic money equivalent to the amount of remittance included in the processing request to the balance of a remittance service-compatible wallet linked to a corporate account that is individually allocated to the business as the business's receipts, and which is different from the payment service-compatible wallet. An information processing system characterized by having the following features.

Images