Information processing systems, programs, and information processing methods

Abstract

To provide an information processing system, a program, and an information processing method for improving convenience of electronic money.SOLUTION: An information processing system includes a cashless settlement server, an organization terminal, an employee terminal, an external server, and a network. At least one processor executes the following steps: a control step of controlling a remittance made between a first wallet account and a second wallet account, the first wallet account being an electronic money account, and the second wallet account being an electronic money account with a balance upper limit condition set as an upper limit of the balance; and a management step of managing the amount exceeding the upper limit of the balance upper limit condition so as to be deposited in a sweep account when the balance in the second wallet account exceeds the upper limit of the balance upper limit condition, the sweep account being an account configured to receive the money from the second wallet account.SELECTED DRAWING: Figure 9

Description

Technical Field

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

Background Art

[0002] In the prior art, a financial infrastructure system, an information processing apparatus, an information processing method, and a program that can intervene in consumption activities with a base currency that can be deposited into conventional electronic money have been disclosed (Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In view of the above circumstances, the present invention provides a technology for further improving the convenience of electronic money.

Means for Solving the Problems

[0005] According to one aspect of the present invention, an information processing system is provided. This information processing system includes at least one processor that executes the following steps. In the control step, the transfer between the first wallet account and the second wallet account is controlled. The first wallet account is an electronic money account, and the second wallet account is an electronic money account in which a balance upper limit condition is set as the upper limit of the balance. In the management step, when the balance of the second wallet account exceeds the upper limit of the balance upper limit condition, the amount exceeding the upper limit of the balance upper limit condition is managed to be deposited into the sweep destination account. The sweep destination account is an account that can receive deposits from the second wallet account.

Brief Description of the Drawings

[0006] [Figure 1] This figure shows an example of the system configuration of Information Processing System 1. [Figure 2] This figure shows an example of the hardware configuration of the cashless payment server 2. [Figure 3] This figure shows an example of the hardware configuration of Organization Terminal 3. [Figure 4] This figure shows an example of the hardware configuration of employee terminal 4. [Figure 5] This figure shows an example of the hardware configuration of external server 5. [Figure 6] This figure shows an example of the functional components of the processor 21 of the cashless payment server 2. [Figure 7] This figure shows an example of user table T1. [Figure 8] This diagram illustrates an example of fund transfers linked to the first wallet account 60 of Company A. [Figure 9] This diagram illustrates an example of fund transfers linked to employee A's second wallet account 64. [Figure 10] This figure shows an example of a trading table T2. [Figure 11] This figure shows an example of the usage status screen 8. [Modes for carrying out the invention]

[0007] Embodiments of the present invention will be described below with reference to the drawings. The various features shown in the embodiments below can be combined with each other.

[0008] Incidentally, the program for implementing the software appearing in this embodiment may be provided as a non-transitory computer-readable medium, or it may be provided so that it can be downloaded from an external server, or it may be provided so that the program is launched on an external computer and its functions are realized on a client terminal (so-called cloud computing).

[0009] Furthermore, in this embodiment, "part" may include, for example, hardware resources implemented by circuits in a broad sense, and the information processing of software that can be specifically realized by these hardware resources. In addition, various types of information are handled in this embodiment, and these types of information can be represented, for example, by the physical values ​​of signal values ​​representing voltage and current, the high or low values ​​of signal values ​​as a set of binary bits composed of 0s or 1s, or by quantum superposition (so-called qubits), and communication and calculations can be performed on circuits in a broad sense.

[0010] Furthermore, a circuit in a broad sense is a circuit realized by combining at least a suitable combination of circuits, circuits, processors, and memory. In other words, it includes application-specific integrated circuits (ASICs), programmable logic devices (for example, simple programmable logic devices (SPLDs), complex programmable logic devices (CPLDs), and field programmable gate arrays (FPGAs)), etc.

[0011] 1. System configuration of Information Processing System 1 First, the system configuration of the information processing system 1 of this embodiment will be described with reference to Figure 1.

[0012] FIG. 1 is a diagram showing an example of the system configuration of the information processing system 1. The information processing system 1 is a system that provides services by cashless payment. As shown in FIG. 1, the information processing system 1 includes a cashless payment server 2, an organization terminal 3, an employee terminal 4, an external server 5, and a network N. Note that the cashless payment server 2, the organization terminal 3, the employee terminal 4, and the external server 5 may each be composed of one or more information processing devices. Here, the system exemplified in the information processing system 1 is composed of one or more devices or components. Therefore, even the cashless payment server 2 alone, the organization terminal 3 alone, the employee terminal 4 alone, and the external server 5 alone are included in the system exemplified in the information processing system 1.

[0013] The cashless payment server 2 is a server that manages data related to cashless payment means.

[0014] The organization terminal 3 is a terminal used by the administrator of the organization. The administrator of the organization is a user who manages the first wallet account via the organization terminal 3. The organization terminal 3 may be any of a PC (Personal Computer), a tablet-type computer, a smartphone, etc.

[0015] The employee terminal 4 is a terminal owned by an employee of the organization. Although the employee terminal 4 is described as a terminal privately owned by an employee of the organization, it may be a terminal owned by the organization. A customer is a user who manages the second wallet account via the employee terminal 4. The employee terminal 4 may be any of a PC (Personal Computer), a tablet-type computer, a smartphone, etc.

[0016] The external server 5 is a server other than the cashless payment server 2. In the present embodiment, for example, the external server 5 includes at least a server that manages each bank account 61, 62, 70, 71 and a server that manages the sweep destination accounts 65, 73.

[0017] The network N enables the cashless payment server 2, the organization terminal 3, the employee terminal 4, and the external server 5 to communicate with each other. The network N may be wireless communication using the Internet, but is not limited thereto, and may be wired communication.

[0018] 2. Hardware Configuration Next, the hardware configurations of the cashless payment server 2, the organization terminal 3, the employee terminal 4, and the external server 5 of the present embodiment will be described with reference to FIGS. 2 to 5.

[0019] 2.1. Hardware Configuration of Cashless Payment Server 2 FIG. 2 is a diagram showing an example of the hardware configuration of the cashless payment server 2. As shown in FIG. 2, the cashless payment server 2 includes a processor 21, a storage unit 22, and a communication unit 23, and these components are electrically connected via a communication bus 20 inside the cashless payment server 2. The cashless payment server 2 executes the processing according to the embodiment.

[0020] The processor 21 performs processing and control of the overall operations related to the cashless payment server 2. The processor 21 is, for example, a central processing unit (CPU). By the processor 21 reading a predetermined program stored in the storage unit 22 and executing processing based on the program, various functions related to the cashless payment server 2, for example, the processing shown in FIGS. 7 to 11 described later, are realized. Note that the processor 21 is not limited to being single, and may be implemented to have a plurality of processors 21 for each function. Also, combinations thereof may be used.

[0021] The storage unit 22 stores various types of information as defined above. This can be implemented, for example, as a storage device such as a solid-state drive (SSD) that stores various programs related to the cashless payment server 2 executed by the processor 21, or as memory such as random access memory (RAM) that stores temporarily necessary information (arguments, arrays, etc.) related to program calculations. The storage unit 22 stores various programs, variables, and data used by the processor 21 when it executes processing based on the programs related to the cashless payment server 2 executed by the processor 21. The storage unit 22 is an example of a storage medium. The storage unit 22 stores various databases such as the user table T1 and transaction table T2, which will be described later.

[0022] The communication unit 23 preferably uses wired communication methods such as USB, IEEE1394, Thunderbolt®, and wired LAN network communication, but may also include wireless LAN network communication, mobile communication such as LTE / 3G / 4G / 5G, and Bluetooth® communication as needed. In other words, it is more preferable to implement it as a collection of these multiple communication methods. That is, the cashless payment server 2 may communicate various information from the outside via the communication unit 23.

[0023] 2.2. Hardware configuration of Organization Terminal 3 Figure 3 shows an example of the hardware configuration of the organization terminal 3. As shown in Figure 3, the organization terminal 3 has a processor 31, a storage unit 32, a communication unit 33, an input unit 34, and an output unit 35, and these components are electrically connected within the organization terminal 3 via a communication bus 30. The organization terminal 3 performs processing according to the embodiment. For details on the processor 31, storage unit 32, and communication unit 33 of the organization terminal 3, please refer to the processor 21, storage unit 22, and communication unit 23 of the cashless payment server 2.

[0024] The input unit 34 may be included in the housing of the organizational terminal 3 or it may be external. For example, the input unit 34 may be implemented as a touch panel integrated with the output unit 35. If it is a touch panel, the user can input tap operations, swipe operations, etc. Of course, a switch button, mouse, QWERTY keyboard, etc. may be used instead of a touch panel. In other words, the input unit 34 receives input based on operations performed by the user. This input is transferred as a command signal to the processor 31 via the communication bus 30, and the processor 31 can perform predetermined control or calculations as needed.

[0025] The output unit 35 can function as a display device for the organization terminal 3. The output unit 35 may be included in the housing of the organization terminal 3, for example, or it may be attached externally. The output unit 35 displays a graphical user interface (GUI) screen that can be operated by the user. It is preferable to use different display devices such as CRT displays, liquid crystal displays, organic EL displays, and plasma displays depending on the type of organization terminal 3.

[0026] 2.3. Hardware configuration of employee terminal 4 Figure 4 shows an example of the hardware configuration of employee terminal 4. Employee terminal 4 comprises a processor 41, a storage unit 42, a communication unit 43, an input unit 44, and an output unit 45. Each component of employee terminal 4 is electrically connected within the employee terminal 4 via a communication bus 40. Employee terminal 4 performs processing according to the embodiment. For details on the processor 41, storage unit 42, and communication unit 43 of employee terminal 4, please refer to the processor 21, storage unit 22, and communication unit 23 of cashless payment server 2. For details on the input unit 44 and output unit 45 of employee terminal 4, please refer to the input unit 34 and output unit 35 of organization terminal 3.

[0027] 2.4. Hardware configuration of external server 5 Figure 5 shows an example of the hardware configuration of the external server 5. The external server 5 comprises a processor 41, a storage unit 42, and a communication unit 43. Each component of the external server 5 is electrically connected within the external server 5 via a communication bus 50. The external server 5 performs processing according to the embodiment. For details on the processor 51, storage unit 52, and communication unit 53 of the external server 5, please refer to the processor 21, storage unit 22, and communication unit 23 of the cashless payment server 2.

[0028] 3. Functional configuration of the processor 21 of the cashless payment server 2 Figure 6 shows an example of the functional units of the processor 21 of the cashless payment server 2. Information processing by software stored in the storage unit 22 is concretely realized by at least one processor 21, which is an example of hardware, and can be executed as each functional unit included in the processor 21. That is, as shown in Figure 6, the processor 21 functions as an information transmission / reception unit 210, a control unit 211, a management unit 212, and a display unit 213 by executing a program so that the following units stored in the storage unit 22 are performed.

[0029] The information transmission / reception unit 210 is configured to receive, receive, or acquire various information from the organization terminal 3, employee terminal 4, or external server 5 via the network N and the communication unit 23. The information transmission / reception unit 210 is also configured to transmit or output various information to the organization terminal 3, employee terminal 4, or external server 5 via the communication unit 23 and the network N.

[0030] The control unit 211 controls transfers between multiple wallet accounts. For example, the control unit 211 controls transfers between a first wallet account and a second wallet account.

[0031] The management unit 212 manages deposits from a wallet account to a sweep destination account or withdrawals from a sweep destination account to a wallet account.

[0032] The display unit 213 displays various information on the organization terminal 3 or employee terminal 4 based on the display information. Here, "display information" is a concept that includes not only the information itself, such as screens, images, icons, and text, which are generated in a manner that is visible to the user, but also the rendering information used to display it.

[0033] The information transmission / reception unit 210, the control unit 211, the management unit 212, and the display unit 213 are configured, more specifically, to perform information processing as described later.

[0034] 4. Glossary Next, we will explain the terms used in this specification.

[0035] A "cashless payment method" is a means of employing a payment method that does not use cash, and includes methods of payment such as credit cards, electronic money (including prepaid and postpaid types), and smartphone applications. The cashless payment method of this embodiment includes payment by credit function and payment by prepaid function. The cashless payment method of this embodiment may also be a means in which the user can arbitrarily choose whether to make a payment by prepaid function or by credit function. The cashless payment method of this embodiment may also be a means in which payment by credit function is made when there is no balance in the prepaid account. The credit function is linked to the user's bank account and is a function that deducts the amount used at a predetermined time. The prepaid function is based on the user's wallet account and is a function that makes payments using the balance of the wallet account.

[0036] A "wallet account" is a prepaid electronic money account. For example, a wallet account may be linked to the bank account of the user managing the wallet account, and the balance of the wallet account may be configured to be topped up by withdrawing a predetermined amount from the balance of the bank account to the wallet account. The balance of the wallet account may be configured to allow transfer of part or all of the topped amount to the bank account or other wallet accounts. Furthermore, a wallet account may be configured to be topped up through the operation of a specific device with a top-up function, such as a cash register. A wallet account may be managed by a smartphone app or by a dedicated IC prepaid card. This smartphone app may communicate with a designated payment terminal via the IC chip in the smartphone, or it may be a code payment performed by scanning a specific symbol such as a barcode or QR code (registered trademark) displayed when using the app, or it may be performed by sending and receiving information via internet communication. Furthermore, this dedicated IC prepaid card may be in the form of being incorporated into a credit card. The balance of the wallet account can be used for various payments, such as paying utility bills, making purchases at convenience stores and supermarkets, and paying admission fees at theme parks.

[0037] This wallet account has multiple types of wallet accounts. These multiple wallet accounts include the first wallet account and the second wallet account. The "first wallet account" is an account that includes at least one of the following: an account for a Type 1 money transfer business as defined in the amended Payment Services Act (Act on Payment Services) which came into effect on May 1, 2021; an account that is positioned as substantially equivalent to a Type 1 money transfer business account due to the amendment of the Payment Services Act; or an account that is positioned as substantially equivalent to a Type 1 money transfer business account in accordance with other laws.

[0038] Furthermore, this first wallet account may be an account managed by an organization. This "organization" is a group formed to achieve a predetermined purpose. An organization may include, for example, corporations such as stock companies, limited liability companies, limited partnerships, general partnerships, general incorporated associations, general incorporated foundations, public interest incorporated associations / foundations, NPO corporations, and cooperatives. Also, if the organization is a company, it may include group companies, affiliated companies, related companies, parent companies, and subsidiaries.

[0039] Furthermore, this first wallet account is an account to which the first remittance conditions are set. These "first remittance conditions" are conditions concerning the upper limit of the transaction amount per transaction. The first remittance conditions may be a value that the user can arbitrarily set, or they may be a condition concerning the upper limit of the transaction amount regulated by a prescribed law when that law applies. The prescribed law may be, for example, the amended Payment Services Act that came into effect on May 1, 2021. For example, if the first wallet account is a Type 1 money transfer business, the first remittance condition is that there is no upper limit set on the transaction amount for remittances from a Type 1 money transfer business account. The provisions of Article 36-2, Paragraph 1 of the Payment Services Act shall be included in the scope of not having an upper limit set on the transaction amount.

[0040] A "second wallet account" is an account that includes at least one of the following: an account for a Type 2 money transfer business as defined in the amended Payment Services Act that came into effect on May 1, 2021; an account that is positioned as substantially equivalent to a Type 2 money transfer business account due to the amendment of the Payment Services Act; or an account that is positioned as substantially equivalent to a Type 2 money transfer business in accordance with other laws. Furthermore, a second wallet account is an account that includes at least one of the following: an account for a Type 3 money transfer business as defined in the amended Payment Services Act that came into effect on May 1, 2021; an account that is positioned as substantially equivalent to a Type 3 money transfer business account due to the amendment of the Payment Services Act; or an account that is positioned as substantially equivalent to a Type 3 money transfer business in accordance with other laws.

[0041] Furthermore, this second wallet account is an account for which a second remittance condition is set. This "second remittance condition" is a condition regarding the upper limit of the transaction amount per transaction, which differs from the first remittance condition. The second remittance condition may be a value that the user can arbitrarily set, or it may be a condition regarding the upper limit of the transaction amount regulated by a prescribed law when that law applies. A prescribed law is, for example, the amended Payment Services Act that came into effect on May 1, 2021. For example, if the second wallet account is a Type II money transfer business, the second remittance condition is that the upper limit of the transaction amount for remittances from a Type II money transfer business account is the amount stipulated by law. In this case, the upper limit of the transaction amount is the amount specified by Cabinet Order as a small amount as defined in Article 36-2, Paragraph 2 of the Payment Services Act, for example, an amount equivalent to 1 million yen. Also, for example, if the second wallet account is a Type III money transfer business, the upper limit of the transaction amount is the amount specified by Cabinet Order as a small amount as defined in Article 36-2, Paragraph 3 of the Payment Services Act, for example, an amount equivalent to 50,000 yen.

[0042] The second wallet account may be an account managed by an individual, such as an employee, belonging to an organization. More specifically, for example, the second wallet account is an account into which the salaries of employees belonging to an organization are deposited from the first wallet account managed by that organization. The second wallet account is an account that the employee manages themselves and can freely deposit or withdraw money from.

[0043] Furthermore, the second wallet account may be an account managed by the sole proprietor. An organization that has commissioned work from a sole proprietor may transfer funds from the first wallet account managed by the organization to the second wallet account managed by the sole proprietor as payment associated with the commission.

[0044] The balance limit condition is a condition set as the maximum balance in the second wallet account. The upper limit of the balance limit condition is a value that can be set in any way. For example, the upper limit of the balance limit condition may be a value that can be set arbitrarily by the holder of the second wallet account, a value that can be set arbitrarily by the Type 2 money transfer service provider linked to the second wallet account, or a value that is set based on some law, rule, business practice, etc. The upper limit of the balance limit condition may be set so that it cannot exceed the upper limit value linked to that condition, or it may be set so that it can exceed the upper limit value linked to that condition. If it is set so that it can exceed the upper limit value linked to that condition, the excess amount may be swept to the sweep destination account, or the user may be notified of this.

[0045] A sweep account is an account that allows deposits or withdrawals to and from a wallet account within one day. A sweep account may include bank accounts, investment trust accounts, etc. Bank accounts may include accounts linked to financial institutions (e.g., banks, credit unions, labor banks, agricultural cooperatives, online banks, Japan Post Bank, etc.) that have a four-digit financial institution code assigned by the Japanese Bankers Association. In this specification, a bank account that is a sweep account will be referred to as a sweep bank account to distinguish it from a bank account that is not a sweep account. A bank account that is not a sweep account will simply be referred to as a bank account. Investment trust accounts may include general accounts, specified accounts, NISA accounts, etc. An investment trust account may be an account used for trading daily settlement funds. A daily settlement fund is an investment trust that is settled on a daily basis. Examples of daily settlement funds include MRFs, MMFs, and medium-term government bond funds, and may be referred to as daily settlement funds.

[0046] "Transferring funds" includes the concept of moving funds from one wallet account to another. For example, transferring funds may mean moving funds from one first wallet account or one second wallet account to another first wallet account, another second wallet account, a sweep destination account, or a bank account.

[0047] "Deposit" includes the concept of an increase in the balance of a bank account or a sweep destination account. For example, a deposit may mean moving funds from one wallet account to another bank account or a sweep destination account, and the concept of this term overlaps with that of "transfer."

[0048] "Withdrawal" includes the concept of a decrease in the balance of a bank account or sweep account. For example, a withdrawal may mean moving funds from one bank account or sweep account to another wallet account or bank account.

[0049] 5. Explanation of Information Processing Next, the information processing in this embodiment will be described.

[0050] The processor 21 refers to the storage unit 22 and manages each user using a table such as the user table T1 shown in Figure 7. Figure 7 is a diagram showing an example of the user table T1. The user table T1 is a table that stores information about each user. The user table T1 includes a user ID column T10, a username column T11, a wallet account balance column T12, a sweep destination account balance column T13, and a type column T14.

[0051] The User ID column T10 is a column that stores a User ID consisting of a unique string for each user. For example, as shown in Figure 7, it may store a User ID consisting of numbers such as "00001" or "00002", or it may store a User ID consisting of alphanumeric characters such as "abc123".

[0052] The username column T11 stores information about the user's name, such as "Ata Sato" or "Biko Yamaguchi," or information about a company, such as "A Corporation."

[0053] The wallet account balance column T12 is a column that stores information indicating the balance of the wallet account, such as "81,427". The information indicating the wallet account balance may omit the currency unit, or it may include the currency unit, such as yen or dollars.

[0054] The sweep target account balance column T13 is a column that stores information indicating the balance of the sweep target account, such as "9,594,196". The information indicating the balance of the sweep target account may omit the currency unit, or it may include the currency unit, such as yen or dollars.

[0055] The type column T14 is a column that stores information identifying whether the business is a Type 1, Type 2, or Type 3 money transfer business.

[0056] For example, the management unit 212 obtains information associated with the user ID "00001" that the username is "Sato Aita", the wallet account balance is "81,427", the sweep destination account balance is "13,524", and the type of business is "Type 2 Money Transfer Business". Based on the wallet account balance and sweep destination account balance that it has referenced, the control unit 211 and the management unit 212 execute the following transactions P1-1 to P1-9 and P2-1 to P2-9.

[0057] 5.1. Explanation of information processing regarding the transfer of funds, primarily from the first wallet account. Next, we will explain the information processing related to the movement of funds centered on Company A's first wallet account 60, using Figure 8 as a reference. Figure 8 is a diagram illustrating an example of fund movement linked to Company A's first wallet account 60. Here, Company A is a corporation that employs Sato Aita (hereinafter referred to as Employee A) as an employee. Figure 8 includes Company A's first wallet account 60, Company A's bank account 61, Company B's bank account 62, Company C's first wallet account 63, Employee A's second wallet account 64, Company A's sweep destination account 65, a prepaid merchant 66, and a credit merchant 67.

[0058] The first wallet account 60 of Company A is the first wallet account managed by Company A. The bank account 61 of Company A is a bank account managed by Company A. The bank account 62 of Company B is a bank account managed by Company B. Here, Company B is a different organization from Company A. The first wallet account 63 of Company C is the first wallet account managed by Company C. Here, Company C is a different organization from Company A, but it may be a different organization from or the same organization as Company B. The second wallet account 64 of employee A is the second wallet account managed by employee A, who belongs to Company A. The sweep destination account 65 of Company A is a sweep destination account managed by Company A. Withdrawals, deposits, and transfers of the first wallet account 60, the bank account 61, and the sweep destination account 65 of Company A are managed by operating the organizational terminal 3 owned by Company A. Bank account 62 of Company B is managed for withdrawals, deposits, and transfers through the operation of organizational terminal 3 owned by Company B. Employee A's second wallet account 64 is managed for withdrawals, deposits, and transfers through the operation of employee terminal 4 owned by employee A.

[0059] Prepaid merchant 66 is a merchant that accepts payments using the prepaid function. Credit merchant 67 is a merchant that accepts payments using the credit function. Here, credit merchant 67 may be a different store from prepaid merchant 66, or it may be the same store as prepaid merchant 66. Payments made by prepaid merchant 66 and credit merchant 67 are managed by the cashless payment server 2.

[0060] The processor 31 of organizational terminal 3, which has the authority to operate Company A's first wallet account 60, receives various transaction instructions via operations from the administrator of Company A. The processor 31 of organizational terminal 3 transmits the transaction instructions to the cashless payment server 2 via the communication unit 33 and network N. The information transmission / reception unit 210 of the cashless payment server 2 receives the transaction instructions from organizational terminal 3. The control unit 211 and management unit 212 of the cashless payment server 2 execute each transaction P1-1 to P1-9 based on the transaction instructions. The display unit 213 of the cashless payment server 2 generates a display method indicating that the transaction has been executed. The operation of the control unit 211 and management unit 212 when a representative transaction instruction is received from among the various expected transaction instructions will be described below.

[0061] (Transaction P1-1 related to the deposit into bank account 61 of Company A) The transaction instruction to execute transaction P1-1 is an instruction to deposit funds into bank account 61 of Company A. For example, an instruction to deposit funds into bank account 61 of Company A includes information that identifies bank account 61 of Company A as the recipient of the funds, and information that identifies the amount to be deposited. The information that identifies the bank account includes information such as the name of the financial institution, the branch name, the type of account (checking or savings), and the account number.

[0062] Transaction P1-1 is a process that deposits a predetermined amount into the identified bank account 61 of Company A, based on information identifying the recipient bank account 61 of Company A and information about the amount to be deposited. Furthermore, when a deposit is made from Company A's first wallet account 60 and the recipient is Company A's bank account 61, Transaction P1-1 is a process that converts electronic money into cash before depositing. The external server 5, acting as Company A's bank account 61, communicates with the cashless payment server 2 and the organizational terminal 3 via the communication unit 53, executes Transaction P1-1 using the processor 51, and stores a record of Transaction P1-1 in the storage unit 52. According to Transaction P1-1, when depositing from a wallet account to a bank account, it becomes possible to convert electronic money into cash before depositing.

[0063] Furthermore, when communicating with Company A's bank account 61, the nationwide bank data communication system may be used, or other communication systems may be used. The same applies to each transaction linked to the bank account described below.

[0064] (Transaction P1-2 related to withdrawal from bank account 61 of Company A) The transaction instruction to execute transaction P1-2 is an instruction to withdraw funds from Company A's bank account 61. The instruction to withdraw funds from Company A's bank account 61 is an instruction that includes information to load funds into Company A's first wallet account 60. For example, the instruction to withdraw funds from Company A's bank account 61 includes information that identifies Company A's bank account 61 from which the funds are to be withdrawn, and information that the amount to be withdrawn is to be withdrawn.

[0065] Transaction P1-2 is a process to withdraw a predetermined amount from the identified bank account 61 of Company A to Company A's first wallet account 60. Transaction P1-2 is also a process to convert the cash linked to Company A's bank account 61 into electronic money and withdraw it to Company A's first wallet account 60. When executing transactions P1-1 and P1-2, the control unit 211 may deduct a fee from the balance of Company A's first wallet account 60 or the balance of Company A's bank account 61. The external server 5, representing Company A's bank account 61, communicates with the cashless payment server 2 and the organizational terminal 3 via the communication unit 53, executes transaction P1-2 via the processor 51, and stores a record of transaction P1-2 in the storage unit 52. According to transaction P1-2, when withdrawing from a bank account to a wallet account, it becomes possible to convert cash into electronic money before withdrawal.

[0066] (Transaction P1-3 related to the deposit into Bank Account 62 of Company B) The transaction instruction that executes transaction P1-3 is an instruction to deposit funds into Company B's bank account 62. The instruction to deposit funds into Company B's bank account 62 is an instruction that includes information for depositing (transferring) funds from Company A's first wallet account 60 to Company B's bank account 62. For example, the instruction to deposit funds into Company B's bank account 62 includes information that identifies Company B's bank account 62 as the recipient of the funds, and information that identifies the amount to be deposited. The information that identifies Company B's bank account 62 includes information such as the name of the financial institution, the branch name, the type of account (current or savings), and the account number. Based on the instruction to deposit funds into Company B's bank account 62, the control unit 211 converts the electronic money into cash and deposits it.

[0067] Transaction P1-3 is the process of depositing a predetermined amount into the designated recipient bank account 62 of Company B. When executing transaction P1-3, the control unit 211 may deduct a fee from the balance of Company A's first wallet account 60 or the balance of Company B's bank account 62. The external server 5, acting as Company B's bank account 62, communicates with the cashless payment server 2 and the organizational terminal 3 via the communication unit 53, executes transaction P1-3 using the processor 51, and stores a record of transaction P1-3 in the storage unit 52. According to transaction P1-3, when a deposit is made from the first wallet account and the recipient is another company's bank account, it becomes possible to convert the electronic money into cash and deposit it.

[0068] (Transaction P1-4 related to the transfer of funds to Wallet Account 63 of Company C) The transaction instruction to execute transaction P1-4 is an instruction to send funds to Company C's first wallet account 63. The instruction to send funds to Company C's first wallet account 63 is an instruction that includes information for sending funds from Company A's first wallet account 60 to Company C's first wallet account 63. For example, the instruction to send funds to Company C's first wallet account 63 includes information that identifies the recipient Company C's first wallet account 63 and information that the amount to be sent is to be sent. The recipient Company C's first wallet account 63 may be an electronic money account provided by the same service or an electronic money account provided by a different service.

[0069] Transaction P1-4 is a process that controls a transfer between Company A's first wallet account 60 and Company C's first wallet account 63. More specifically, for example, transaction P1-4 is a process that transfers a predetermined amount to the specified Company C's first wallet account 63. The cashless payment server 2, acting as Company C's first wallet account 63, communicates with the organization terminal 3 via the communication unit 53, executes transaction P1-4 using the processor 51, and stores a record of transaction P1-4 in the storage unit 52. Transaction P1-4 makes it possible to transfer funds between accounts of the same type of money transfer service provider, thus providing a technology that further improves the convenience of electronic money.

[0070] (Transaction P1-5 related to the transfer of funds to employee A's second wallet account 64) The transaction instruction to execute transaction P1-5 is an instruction to transfer funds to employee A's second wallet account 64. The instruction to transfer funds to employee A's second wallet account 64 is an instruction that includes information for transferring funds from Company A's first wallet account 60 to employee A's second wallet account 64. For example, the instruction to transfer funds to employee A's second wallet account 64 includes information that identifies employee A's second wallet account 64 as the recipient and information that determines the amount to be transferred. The instruction to transfer funds to employee A's second wallet account 64 may be automatically generated based on settings made by the administrator of Company A. For example, the instruction to transfer funds to employee A's second wallet account 64 may be set to be generated at the time of the employee's monthly salary payment, bonus payment, etc. The recipient employee A's second wallet account 64 may be an electronic money account provided by the same service or an electronic money account provided by a different service.

[0071] Transaction P1-5 is the process of transferring a predetermined amount from Company A's first wallet account 60 to the second wallet account 64 of a specified employee A. More specifically, for example, transaction P1-5 may include the process of controlling the transfer of salary from Company A's first wallet account to employee A's second wallet account. The cashless payment server 2, acting as employee A's second wallet account 64, communicates with the organization terminal 3 via the communication unit 53, executes transaction P1-5 via the processor 51, and stores a record of transaction P1-5 in the storage unit 52. Transaction P1-5 makes it possible to transfer funds between accounts of different types of money transfer service providers, thus providing a technology that further improves the convenience of electronic money.

[0072] (Transaction P1-6 related to the deposit into account 65 of Company A's sweep recipient account) The transaction instruction to execute transaction P1-6 is an instruction to deposit funds into Company A's sweep account 65. The instruction to deposit funds into Company A's sweep account 65 is an instruction that includes information for depositing funds from Company A's first wallet account 60 to Company A's sweep account 65. For example, the instruction to deposit funds into Company A's sweep account 65 includes information that identifies Company A's sweep account 65, which is the recipient of the deposit, and information that identifies the amount to be deposited. The information that identifies Company A's sweep account 65, which is the recipient of the deposit, may also be information that identifies any sweep bank account or investment trust account managed by Company A.

[0073] Furthermore, the instruction to deposit funds into Company A's sweep destination account 65 as a transaction instruction may be generated not only by receiving it through an operation from Company A's administrator, but also by fulfilling the deposit conditions. In other words, these deposit conditions are the conditions for generating the instruction to deposit funds into Company A's sweep destination account 65. The deposit conditions include when the balance of the first wallet account reaches a predetermined amount, when a predetermined amount is deposited, when a predetermined time has passed, etc.

[0074] Transaction P1-6 is the process of managing the deposit from Company A's first wallet account 60 to Company A's sweep destination account 65. If Company A's sweep destination account 65 is an investment trust account for a daily settlement type fund, Transaction P1-6 is the process of making an investment using the funds in the sweep destination account 65. The external server 5, acting as Company A's sweep destination account 65, communicates with the organization terminal 3 via the communication unit 53, executes Transaction P1-6 via the processor 51, and stores a record of Transaction P1-6 in the storage unit 52. According to Transaction P1-6, deposits between the wallet account and the sweep destination account can be executed within one day, and users can immediately adjust the balance of their electronic money account, thus providing a technology that further improves the convenience of electronic money.

[0075] (Transaction P1-7 related to the withdrawal from account 65 of Company A's sweep destination) The transaction instruction to execute transaction P1-7 is an instruction to withdraw funds from Company A's sweep destination account 65. The instruction to withdraw funds from Company A's sweep destination account 65 is an instruction that includes information for withdrawing (transferring) funds from Company A's sweep destination account 65 to Company A's first wallet account 60. For example, the instruction to withdraw funds from Company A's sweep destination account 65 includes information that identifies Company A's sweep destination account 65, which is the source of the withdrawal, and information that identifies the amount to be withdrawn. The information that identifies Company A's sweep destination account 65, which is the source of the withdrawal, may be information that identifies any bank account or investment trust account.

[0076] Transaction P1-7 is a process that manages withdrawals from Company A's sweep account 65 to Company A's first wallet account 60. Furthermore, if Company A's sweep account 65 is an investment trust account for a daily settlement type fund, and the company has purchased such a fund, and a withdrawal instruction has been received from Company A's sweep account 65, Transaction P1-7 includes the process of selling the daily settlement type fund and withdrawing the funds to the first wallet account. The external server 5, acting as Company A's sweep account 65, communicates with the organization terminal 3 via the communication unit 53, executes Transaction P1-7 via the processor 51, and stores a record of Transaction P1-7 in the storage unit 52. According to Transaction P1-7, withdrawals between the wallet account and the sweep account can be executed within one day, and users can immediately adjust the balance of their electronic money account, thus providing a technology that further improves the convenience of electronic money. Furthermore, according to transaction P1-7, if the investment target is a daily settlement type fund, it is possible to sell the fund within one day, thus enabling prompt deposit into the user's wallet account.

[0077] (Transactions with 66 prepaid merchants, P1-8) The transaction instruction that executes transaction P1-8 is an instruction for settlement using the prepaid function. The instruction for settlement using the prepaid function includes information about the settlement from Company A's first wallet account 60. For example, the instruction for settlement using the prepaid function includes information about the amount to be settled and information identifying the prepaid merchant 66 to which the settlement will be made. The instruction for settlement using the prepaid function may also include an instruction to execute the settlement using the balance of the sweep destination account.

[0078] Transaction P1-8 is the process of executing a settlement from Company A's first wallet account 60 to a prepaid merchant 66 identified by Company A. Transaction P1-8 may also be a process that uses the balance of Company A's first wallet account 60, and if there is a shortfall, uses the balance of Company A's sweep destination account 65 to execute the settlement. Transaction P1-8 may also be a process that executes the settlement using the credit function if there is a shortfall in the balance of Company A's first wallet account 60 or the balance of Company A's sweep destination account 65. According to Transaction P1-8, settlement can be made using the balances of the first wallet account and the sweep destination account, thus providing a technology that further improves the convenience of electronic money.

[0079] (Transactions with 67 credit merchants, P1-9) The transaction instruction that executes transaction P1-9 is an instruction for payment using the credit function. The instruction for payment using the credit function is an instruction that includes payment information from the first wallet account 60. For example, the payment instruction is an instruction that includes information on the amount to be paid and information that identifies the credit merchant 67 to which the payment is to be made.

[0080] Transaction P1-9 is the process of executing a settlement from Bank Account 61 of Company A. Transaction P1-9 is the process of executing a lump-sum withdrawal on a predetermined withdrawal date for credit payments made within a predetermined period. According to Transaction P1-9, settlements can be made using the credit function, thus providing a technology that further improves the convenience of electronic money.

[0081] Furthermore, transactions P1-1, P1-3 to P1-5, and P1-7 to P1-9 mentioned above are processes related to transfers from the first wallet account 60, and therefore the first transfer conditions apply.

[0082] 5.2. Information processing related to fund transfers, primarily through the second wallet account. Next, we will explain the movement of funds centered on employee A's second wallet account 64, using Figure 9 as a reference. Figure 9 is a diagram illustrating an example of fund movement linked to employee A's second wallet account 64. Figure 9 includes employee A's second wallet account 64, employee A's bank account 70, individual B's (Yamaguchi B-ko in Figure 7) bank account 71, Company A's first wallet account 60, individual C's second wallet account 72, employee A's sweep destination account 73, a prepaid merchant 66, and a credit merchant 67. Explanations of employee A's second wallet account 64, Company A's first wallet account 60, prepaid merchant 66, and credit merchant 67 will be omitted.

[0083] Employee A's bank account 70 is a bank account managed by Employee A. Individual B's bank account 71 is a bank account managed by Individual B. Individual C's second wallet account 72 is a second wallet account managed by Individual C. Employee A's sweep destination account 73 is a sweep destination account managed by Employee A. Withdrawals, deposits, and transfers from Employee A's bank account 70 and Employee A's sweep destination account 73 are managed by operating Employee A's employee terminal 4. Withdrawals, deposits, and transfers from Individual B's bank account 71 are managed by operating Individual B's information processing device. Withdrawals, deposits, and transfers from Individual C's second wallet account 72 are managed by operating Individual C's information processing device.

[0084] The processor 41 of employee terminal 4, which has the authority to operate employee A's second wallet account 64, receives various transaction instructions via operations from employee A. The processor 41 of employee terminal 4 transmits the transaction instructions to the cashless payment server 2 via the communication unit 43 and network N. The information transmission / reception unit 210 of the cashless payment server 2 receives the instructions from employee terminal 4. The control unit 211 and management unit 212 of the cashless payment server 2 execute each transaction P2-1 to P2-9 based on the transaction instructions. The display unit 213 of the cashless payment server 2 generates a display method indicating that the transaction has been executed. The operation of the control unit 211 and management unit 212 when a representative transaction instruction is received from among the various expected transaction instructions will be described below.

[0085] (Transaction P2-1 related to a deposit into employee A's bank account 70) The transaction instruction here is an instruction to deposit (transfer) money to employee A's bank account 70. The instruction to deposit money to employee A's bank account 70 includes information that identifies employee A's bank account 70 as the recipient and information that the amount to be deposited is to be deposited.

[0086] Transaction P2-1 differs from Transaction P1-1 in that it involves a deposit from employee A's second wallet account 64, rather than Company A's first wallet account, and from employee A's bank account 70, rather than Company A's bank account 61.

[0087] (Transaction P2-2 related to withdrawal from employee A's bank account 70) The transaction instruction here is an instruction to withdraw funds from employee A's bank account 70. The instruction to withdraw funds from employee A's bank account 70 includes information identifying employee A's bank account 70 from which the funds are to be withdrawn, and information about the amount to be withdrawn.

[0088] Transaction P2-2 differs from Transaction P1-2 in that it involves a withdrawal from employee A's bank account 70 instead of company A's bank account 61, and from employee A's second wallet account 64 instead of company A's first wallet account 60.

[0089] (Transaction P2-3 related to the transfer of funds to individual B's bank account 71) The transaction instructions here are instructions to transfer (deposit) funds to individual B's bank account 71. The instructions to transfer funds to individual B's bank account 71 include information identifying individual B's bank account 71 as the recipient and information about the amount to be transferred.

[0090] Transaction P2-3 differs from Transaction P1-3 in that it involves transferring funds from employee A's second wallet account 64 instead of company A's first wallet account 60, and from individual B's bank account 71 instead of company B's bank account 62.

[0091] (Transaction P2-4 related to the transfer of funds to the first wallet account 60 of Company A) The transaction instructions here are instructions to transfer funds to Company A's first wallet account 60. The instructions to transfer funds to Company A's first wallet account 60 include information identifying Company A's first wallet account 60, which is the recipient of the funds, and information about the amount to be transferred.

[0092] Transaction P2-4 is a process in which funds are transferred from employee A's second wallet account 64, rather than A Corporation's first wallet account 60, and from C Corporation's first wallet account 63, rather than from employee A Corporation's first wallet account 60.

[0093] (Transaction P2-5 related to the transfer of funds to individual C's second wallet account 72) The transaction instructions here are instructions to send funds to individual C's second wallet account 72. The instructions to send funds to individual C's second wallet account 72 include information identifying individual C's second wallet account 72, which is the recipient of the funds, and information about the amount to be sent.

[0094] Transaction P2-5 is a process that, compared to transaction P1-5, involves transferring funds from employee A's second wallet account 64 instead of company A's first wallet account 60, and then transferring funds from employee A's second wallet account 64 to individual C's second wallet account 72.

[0095] (Transaction P2-6 related to the deposit into Employee A's sweep account 73) The transaction instruction here is an instruction to deposit funds into employee A's sweep account 73. The instruction to deposit funds into employee A's sweep account 73 is the same as the instruction to deposit funds into company A's sweep account 65.

[0096] Transaction P2-6 differs from transaction P1-6 in that the deposit source is the second wallet account 64 instead of the first wallet account 60, and the deposit destination is the sweep destination account 73 instead of the sweep destination account 65.

[0097] (Transaction P2-7 related to the withdrawal from Employee A's sweep account 73) The transaction instruction here is an instruction to withdraw (transfer) funds from employee A's sweep account 73. The instruction to withdraw funds from employee A's sweep account 73 includes information identifying employee A's sweep account 73, which is the source of the withdrawal, and information about the amount to be withdrawn.

[0098] Transaction P2-7 differs from Transaction P1-7 in that the withdrawal source is employee A's sweep destination account 73 instead of company A's sweep destination account 65, and the withdrawal destination is employee A's second wallet account 64 instead of company A's first wallet account 60.

[0099] (Transactions with 66 prepaid merchants, P2-8) The transaction instruction here is an instruction for payment using the prepaid function. The instruction for payment using the prepaid function is the same as the instruction for payment using the prepaid function.

[0100] Transaction P2-8 differs from Transaction P1-8 in that the settlement source is employee A's second wallet account 64, rather than Company A's first wallet account 60.

[0101] (Transactions with 67 credit merchants, P2-9) The transaction instruction here is an instruction for settlement using the credit function. The instruction for settlement using the credit function is the same as the instruction for settlement using the credit function.

[0102] Transaction P2-9 is a transaction in which the settlement source is employee A's second wallet account 64, rather than A Corporation's first wallet account 60, compared to transaction P1-9.

[0103] Transactions P2-1, P2-3 to P2-5, and P2-7 to P2-9 are processes related to transfers from employee A's second wallet account 64, and therefore the first transfer condition applies. Furthermore, transactions P2-1, P2-3 to P2-5, and P2-7 to P2-9 may also be carried out using funds that were transferred as salary to employee A's second wallet account 64 in transaction P1-5.

[0104] Next, using the transaction table T2 in Figure 10, we will explain an example of the flow of multiple transactions associated with employee A's second wallet account 64. Figure 10 is a diagram showing an example of the transaction table T2. The transaction table T2 is a table that stores information to identify each transaction and is referenced from the storage unit 22 by the processor 21. The transaction table T2 may be managed for each user, and in the example in Figure 10, it is assumed that it stores transaction information associated with employee A (Aita Sato). The transaction table T2 includes a transaction ID column T20, a time column T21, a transaction amount column T22, a wallet account balance column T23, a sweep destination account balance column T24, a trading partner column T25, and a transaction type column T26.

[0105] The Transaction ID column T20 is a column that stores the Transaction ID as information to identify a transaction. The Transaction ID consists of a unique string for each transaction. For example, the notation of the string can be any number of digits consisting of any symbols. As shown in Figure 10, it may store information consisting of 5 digits such as "10000" or "10001", or it may store information consisting of 6 alphanumeric characters or 4 letters such as "abc123" or "abcd".

[0106] The time column T21 is a column that stores information indicating the time associated with a transaction. The information indicating the time associated with a transaction only needs to represent a time; for example, "March 1, 2023, 12:29 PM," but it is not limited to this.

[0107] The transaction amount column T22 is a column that stores information indicating the transaction amount for transfers, withdrawals, or deposits in the information processing associated with the transaction type. For example, transaction ID "10000" indicates that a transfer was made from Company A's first wallet account 60 to employee A's second wallet account 64 (P1-5), and the transaction amount is "3,700,000". The information indicating the transaction amount may include currency units such as yen or dollars, or the currency units may be omitted.

[0108] The wallet account balance column T23 stores information showing the wallet account balance as it changes due to transactions. The latest information showing the wallet account balance in the wallet account balance column T23 is linked to the information showing the wallet account balance in the wallet account balance column T12.

[0109] The sweep destination account balance column T24 stores information showing the balance of the sweep destination account, which changes with transactions. The latest information showing the wallet account balance in the sweep destination account balance column T24 is linked to the information showing the wallet account balance in the sweep destination account balance column T13.

[0110] The trading partner column T25 stores information indicating the trading partner associated with that transaction. This information could include, for example, "A Corporation's first wallet account" or "Ata Sato's sweep account."

[0111] The transaction type column T26 stores information indicating the transaction associated with that transaction.

[0112] Transactions with transaction IDs "10000" to "10003" in Figure 10 represent information processing when the balance limit condition is 1 million yen. In other words, the management unit 212 deposits the amount exceeding the balance limit condition from the balance of employee A's second wallet account 64 into the sweep destination account within one day. In the example in Figure 10, the management unit 212 accepts a transfer of transaction amount (3,700,000 yen) exceeding the balance limit condition (1 million yen) from Company A's first wallet account 60 to employee A's second wallet account 64 (transaction ID "10000"). The management unit 212 deposits the amount from employee A's second wallet account 64 to employee A's sweep destination account 73 within one day so that the balance of employee A's second wallet account 64 does not exceed the balance limit condition (1 million yen) (transaction IDs "10001" to "10003"). This "within one day" refers to a period with a maximum of one day, which could be, for example, within 24 hours, or a narrower time frame (such as 3 hours), or even within the same day the transfer is received. When depositing funds from the second wallet account 64 to employee A's sweep destination account 73, the process is carried out within the scope of the second transfer conditions described above. As a result, funds are deposited into the sweep destination account according to the balance limit conditions, and users can adjust the balance of their electronic money account, thus providing technology that further improves the convenience of electronic money. Furthermore, as users can adjust the balance of their electronic money account by setting an upper limit on the balance limit conditions, this technology further improves the convenience of electronic money.

[0113] The transactions with transaction IDs "10001" to "10003" and "10005" to "10006" in Figure 10 represent information processing when the upper limit of the second remittance condition is 1 million yen. In other words, when the control unit 211 sends a transaction amount exceeding the upper limit of the second remittance condition from employee A's second wallet account 64, it sends the funds in multiple installments, within the limits of the second remittance condition. The manner in which the funds are sent in multiple installments, within the limits of the second remittance condition, can be any manner. As long as the upper limit of the second remittance condition is not exceeded, the method of remittance in multiple installments may include, for example, when remitting "2,700,000 yen" from employee A's second wallet account 64, as shown in the example of transaction IDs "10001" to "10003" in Figure 10, the control unit 211 may divide the remittance into "1,000,000 yen", "1,000,000 yen", and "700,000 yen", and remit it in units of 1 million yen. Also, as shown in the example of transaction IDs "10005" to "10006" in Figure 10, when remitting (depositing) "1,300,000 yen" from employee A's second wallet account 64, the control unit 211 may divide the remittance into "1,000,000 yen", and remit it in units of 1 million yen, as shown in the example of transaction IDs "10005" to "10006" in Figure 10. As shown in the example of transaction IDs "10001" to "10003" in Figure 10, when sending "2,700,000 yen" from employee A's second wallet account 64, the control unit 211 may divide the amount into "900,000 yen" increments, based on the number of transfers, and send the funds in that average amount. This makes it possible to execute the transfer within the range that satisfies the second transfer condition.

[0114] Next, the screen displayed to employee A will be explained using Figure 11. Figure 11 is a diagram showing an example of the usage status screen 8. That is, the display unit 213 displays the usage status screen 8 to employee A. The usage status screen 8 is a screen that shows the amount that can be paid using the cashless payment method displayed to employee A, and the amount for each available cashless payment method. The usage status screen 8 includes available amount information 80, held asset information 81, second wallet account information 82, sweep destination account information 83, deferred payment usage limit information 84, and deferred payment usage amount information 85.

[0115] The available balance information 80 is the total amount of money that the user can use for payments. More specifically, the available balance information 80 is the sum of the balance in the second wallet account (second wallet account information 82), the balance in the sweep destination account (sweep destination account information 83), and the deferred payment limit set for the user (deferred payment limit information 84), minus the amount of deferred payment used before withdrawal (deferred payment usage amount information 85).

[0116] The asset holding information 81 is information that shows the funds owned by the user. More specifically, the asset holding information 81 is the sum of the balance of the second wallet account (second wallet account information 82) and the balance of the sweep destination account (sweep destination account information 83). In other words, the display unit 213 displays the total amount of the balance of the second wallet account and the balance of the sweep destination account.

[0117] Second wallet account information 82 is information showing the balance of the second wallet account.

[0118] The sweep target account information 83 is information indicating the balance of the sweep target account. If the sweep target account is an investment trust account, the sweep target account information 83 may be information that can distinguish between the balance of the sweep target account and information indicating the amount of investment gains.

[0119] The deferred payment limit information 84 is information regarding the deferred payment limit. Here, the deferred payment limit is a fixed value that does not change based on the use of the wallet balance, the use of deferred payments, etc. The deferred payment limit is the amount that can be paid using deferred payments.

[0120] The deferred payment usage amount information 85 is information regarding the total amount of deferred payments being used. If there are no deferred payment usage amounts, the deferred payment usage amount information 85 will be "0".

[0121] [others] In this embodiment, the "wallet account" is described as a prepaid electronic money account, but in the modified example, it may be a postpaid electronic money account. In the modified example, the postpaid electronic money account may be set up so that payments are withdrawn together with the salary deposit. The user may set the withdrawal date arbitrarily.

[0122] Although the usage status screen 8 of the embodiment was described as a screen displayed to employee A of Company A, in the modified example, a screen may be configured to be displayed to the administrator of Company A. In the modified example, the balance of the first wallet account is displayed instead of the second wallet account information 82. Also, the available amount information and held asset information in the modified example are information shown using the balance of the first wallet account instead of the balance of the second wallet account.

[0123] In this embodiment, the transfer of funds, such as salary payments, from Company A to employee A was described as taking place between Company A's first wallet account 60 and employee A's second wallet account 64. However, in a modified example, the transfer may take place between Company A's first wallet account 60 and employee A's sweep destination account 73.

[0124] In the embodiment, the first wallet account, as an account for a Type 1 money transfer business, was described as an account managed by the organization, but in the modified version, it may be an account managed by an individual such as an employee. Also, in the embodiment, the second wallet account, as an account for a Type 2 or Type 3 money transfer business, was described as an account managed by an individual such as an employee, but in the modified version, it may be an account managed by the organization.

[0125] In the above embodiment, the cashless payment server 2 performed various storage and control functions, but instead of the cashless payment server 2, multiple external devices may be used. That is, various information and programs may be stored in a distributed manner across multiple external devices using blockchain technology or the like.

[0126] The program causes at least one computer to execute each step of the information processing system. The information processing method comprises each step of the information processing system.

[0127] Furthermore, the following embodiments may also be provided.

[0128] (1) An information processing system comprising at least one processor that performs the following steps, wherein in the control step, it controls transfers made between a first wallet account and a second wallet account, where the first wallet account is an electronic money account, and the second wallet account is an electronic money account for which a balance limit condition is set as a balance limit, and in the management step, if the balance of the second wallet account exceeds the upper limit of the balance limit condition, it manages to deposit the amount exceeding the upper limit of the balance limit condition into a sweep destination account, where the sweep destination account is an account that can accept deposits from the second wallet account.

[0129] With this configuration, the balance of an electronic money account can be adjusted by setting a balance limit, thereby providing a technology that further improves the convenience of electronic money.

[0130] (2) An information processing system as described in (1) above, wherein the first wallet account is an account in which a condition regarding the upper limit of the transaction amount per single transfer is set as the first transfer condition, and the second wallet account is an account in which a condition regarding the upper limit of the transaction amount per single transfer is set as the second transfer condition, which is different from the first transfer condition.

[0131] This configuration makes it possible to deposit or withdraw funds between accounts of different types of money transfer service providers, thus providing technology that further enhances the convenience of electronic money.

[0132] (3) An information processing system as described in (2) above, wherein the second wallet account is an account of a Type II money transfer business, and the second remittance condition is the amount stipulated by law as the upper limit of the transaction amount for remittances from the account of the Type II money transfer business.

[0133] This configuration makes it possible to deposit or withdraw funds to and from accounts of a Type II money transfer business, thus providing technology that further improves the convenience of electronic money.

[0134] (4) In the information processing system described in (2) above, the first wallet account is a Type 1 money transfer business account for which no upper limit is set on the amount that can be transferred. Information processing system.

[0135] This configuration makes it possible to deposit or withdraw funds to and from accounts of a Type 1 money transfer business, thus providing technology that further improves the convenience of electronic money.

[0136] (5) The information processing system described in (4) above, wherein the first wallet account is an account managed by an organization, the second wallet account is an account managed by an employee belonging to the organization, and the control step controls the transfer of salary from the organization's first wallet account to the employee's second wallet account.

[0137] This configuration allows for the transfer of salaries between an account managed by the organization as a Type 1 money transfer business and an account managed by an employee of that organization as a Type 2 money transfer business, thereby providing technology that further enhances the convenience of electronic money.

[0138] (6) In the information processing system described in (3) above, in the control step, if the transfer of a transaction amount exceeding the upper limit of the second transfer condition is to be made from the second wallet account, the information processing system transfers the funds in multiple installments, provided that the amount does not exceed the upper limit of the second transfer condition.

[0139] With this configuration, it becomes possible to execute a transfer within the range that satisfies the second transfer condition.

[0140] (7) An information processing system as described in (1) above, wherein the sweep destination account is an account that allows deposits or withdrawals to and from the second wallet account within one day.

[0141] With this configuration, deposits or withdrawals between the wallet account and the sweep destination account can be executed within one day, and users can instantly adjust the balance of their e-money account, thus providing a technology that further enhances the convenience of e-money.

[0142] (8) In the information processing system described in (1) above, the sweep destination account is a daily settlement type fund.

[0143] With this configuration, it becomes possible to deposit a portion of the balance in the wallet account into a daily settlement fund, allowing for immediate withdrawal of the amount deposited into the sweep account while it is being invested.

[0144] (9) An information processing system as described in (1) above, wherein the upper limit of the balance limit condition is 1 million yen.

[0145] With this configuration, by setting a balance limit of 1 million yen, it is possible to adjust the balance in electronic money accounts to prevent them from becoming too high, thereby providing technology that further improves the convenience of electronic money.

[0146] (10) An information processing system as described in (1) above, wherein the upper limit of the balance limit condition is a value that can be arbitrarily set by the holder of the second wallet account.

[0147] With this configuration, the balance of an electronic money account can be adjusted by setting a balance limit condition by the account holder, thereby providing a technology that further improves the convenience of electronic money.

[0148] (11) An information processing system as described in (1) above, wherein the display step displays the sum of the balance of the second wallet account and the balance of the sweep destination account.

[0149] This configuration makes it possible to display the total amount of money available to each user.

[0150] (12) A program that causes at least one computer to perform each step of the information processing system described in any one of (1) to (11) above.

[0151] With this configuration, the balance of an electronic money account can be adjusted by setting a balance limit, thereby providing a technology that further improves the convenience of electronic money.

[0152] (13) An information processing method comprising each step of the information processing system described in any one of (1) to (11) above.

[0153] With this configuration, the balance of an electronic money account can be adjusted by setting a balance limit, thereby providing a technology that further improves the convenience of electronic money. Of course, this is not always the case.

[0154] The following cases are also acceptable: (14) Information processing system comprising at least one processor that performs each of the following steps, the control step of controlling transfers between a plurality of wallet accounts, wherein the wallet accounts are electronic money accounts, and the management step of managing deposits from a wallet account to a sweep destination account or withdrawals from the sweep destination account to the wallet account, wherein the sweep destination account is an account to which deposits or withdrawals can be made within one day.

[0155] (15) Information processing system as described in (14) above, wherein the plurality of wallet accounts include a first wallet account and a second wallet account, wherein the first wallet account is an account in which a condition regarding the upper limit of a single transaction is set as the first remittance condition, and the second wallet account is an account in which a condition regarding the upper limit of a single transaction is set as the second remittance condition which is different from the first remittance condition.

[0156] (16) An information processing system as described in (15) above, wherein the first wallet account is an account of a Type 1 money transfer business, the first remittance condition is that there is no upper limit on the transaction amount of remittances from the account of the Type 1 money transfer business, and the second wallet account is an account of a Type 2 money transfer business, the second remittance condition is that the upper limit on the transaction amount of remittances from the account of the Type 2 money transfer business is the amount stipulated by law.

[0157] (17) The information processing system described in (16) above, wherein the first wallet account is an account managed by an organization, and the second wallet account is an account managed by an employee belonging to the organization, and the control step controls the transfer of salary from the organization's first wallet account to the employee's second wallet account.

[0158] (18) Information processing system as described in (16) above, wherein in the management step, the amount of the balance of the second wallet account that exceeds the balance limit condition is deposited into the sweep destination account within one day, and the balance limit condition is the condition set as the balance limit for the second wallet account.

[0159] (19) An information processing system as described in (18) above, wherein the upper limit of the balance limit condition is a value that can be arbitrarily set by the holder of the second wallet account.

[0160] (20) In the information processing system described in (16) above, in the management step, if the control step receives a transfer of a transaction amount exceeding the upper limit of the balance limit condition from the first wallet account to the second wallet account, the system deposits funds from the second wallet account to the sweep destination account within one day so that the balance of the second wallet account does not exceed the upper limit of the balance limit condition, wherein the balance limit condition is the condition set as the upper limit of the balance in the second wallet account.

[0161] (21) In the information processing system described in (16) above, in the control step, if the transfer of a transaction amount exceeding the upper limit of the second transfer condition is to be made from the second wallet account, the information processing system transfers the funds in multiple installments, provided that the amount does not exceed the upper limit of the second transfer condition.

[0162] (22) An information processing system as described in (15) above, wherein in the control step, when a transfer is made from a wallet account and the recipient is a bank account, the information processing system converts the electronic money into cash and sends it.

[0163] (23) In the information processing system described in (15) above, the sweep destination account is a daily settlement type fund.

[0164] (24) An information processing system as described in (15) above, wherein the display step displays the total amount of the balance of the second wallet account and the balance of the sweep destination account.

[0165] (25) An information processing system comprising at least one processor that performs a control step, wherein the control step controls a transfer between a first wallet account and a second wallet account, and when a transfer of a transaction amount exceeding the upper limit of the second transfer condition is to be made from the second wallet account, the transfer is made in multiple installments within the limits that do not exceed the upper limit of the second transfer condition, wherein the first wallet account is an electronic money account, and the second wallet account is an account in which a condition regarding the upper limit of the transaction amount for a single transfer is set as the second transfer condition.

[0166] (26) A program that causes at least one computer to perform each step of the information processing system described in any one of (14) to (25) above.

[0167] (27) An information processing method comprising each step of the information processing system described in any one of (14) to (25) above.

[0168] Finally, various embodiments of the present invention have been described, but these are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in a variety of other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and spirit of the invention, as well as in the claims and their equivalents. [Explanation of Symbols]

[0169] 1: Information Processing System 2: Cashless payment server 20: Communications bus 21: Processor 22: Storage section 23: Communications Department 210: Information transmission and reception unit 211: Control Unit 212: Management Department 213:Display section 3: Organizational terminals 30: Communications bus 31: Processor 32: Storage section 33: Communications Department 34: Input section 35: Output section 4: Employee terminals 40: Communications bus 41: Processor 42: Storage section 43: Communications Department 44: Input section 45: Output section 5: External Server 50: Communications bus 51: Processor 52: Storage section 53: Communications Department 60: First Wallet Account 61: Bank account 62: Bank account 63: First Wallet Account 64: Second wallet account 65: Sweep destination account 66: Prepaid merchants 67: Credit card merchants 70: Bank account 71: Bank account 72: Second wallet account 73: Sweep destination account 8: Usage status screen 80: Available amount information 81: Asset holdings information 82: Second Wallet Account Information 83: Sweep destination account information 84: Payment limit information 85: Payment Usage Information A: Employee B: Individual C: Individual T1: User Table T10: User ID column T11: Username column T12: Wallet account balance column T13: Sweep destination account balance column T14: Type column T2: Trading Table T20: Transaction ID column T21: Time column T22: Transaction amount column T23: Wallet Account Balance Column T24: Sweep destination account balance column T25: Customer column T26: Transaction Type Column

Claims

1. An information processing system, The system comprises at least one processor that performs each of the following steps: The control step controls the transfer between the first wallet account and the second wallet account, where the first wallet account is an electronic money account, and the second wallet account is an electronic money account for which a balance limit condition is set as the balance limit. In the management step, if the balance of the second wallet account exceeds the upper limit of the balance limit condition, the system manages to deposit the amount exceeding the upper limit of the balance limit condition into the sweep destination account, where the sweep destination account is an account that can accept deposits from the second wallet account. Information processing system.

2. In the information processing system described in claim 1, The aforementioned first wallet account is an account in which a condition regarding the upper limit of the transaction amount per transfer is set as the first transfer condition, The aforementioned second wallet account is an account in which the conditions regarding the upper limit of the transaction amount per transfer are set as second transfer conditions, which differ from the conditions for first transfer conditions. Information processing system.

3. In the information processing system described in claim 2, The aforementioned second wallet account is a Type II money transfer business account, The second remittance condition is that the transaction amount for remittances from the account of the aforementioned Type II money transfer business is the amount stipulated by law as the upper limit. Information processing system.

4. In the information processing system described in claim 2, The aforementioned first wallet account is a Type 1 money transfer business account for which there is no upper limit on the amount that can be transferred. Information processing system.

5. In the information processing system described in claim 4, The aforementioned first wallet account is an account managed by the organization, The aforementioned second wallet account is an account managed by an employee belonging to the aforementioned organization, The control step controls the transfer of salary from the organization's first wallet account to the employee's second wallet account. Information processing system.

6. In the information processing system described in claim 3, In the control step, if the transfer amount from the second wallet account exceeds the upper limit of the second transfer condition, the transfer is divided into multiple transactions, within the limits that do not exceed the upper limit of the second transfer condition. Information processing system.

7. In the information processing system described in claim 1, The aforementioned sweep destination account is an account that allows deposits or withdrawals to and from the aforementioned second wallet account within one day. Information processing system.

8. In the information processing system described in claim 1, The aforementioned sweep destination account is a daily settlement type fund, Information processing system.

9. In the information processing system described in claim 1, The upper limit of the aforementioned balance limit condition is 1 million yen. Information processing system.

10. In the information processing system described in claim 1, The upper limit of the aforementioned balance limit condition is a value that can be arbitrarily set by the holder of the second wallet account. Information processing system.

11. In the information processing system described in claim 1, The display step displays the total amount of the balance in the second wallet account and the balance in the sweep destination account. Information processing system.

12. It is a program, To cause at least one computer to perform each step of the information processing system described in any one of claims 1 to 11. program.

13. Information processing method, The information processing system comprises each step of any one of claims 1 to 11. Information processing methods.

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