JP7421592B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

Conventionally, cashless payment methods have been widely recognized by consumers, mainly for commercial transactions between businesses and individuals, but due to their convenience, they are becoming increasingly popular online using user terminals such as smartphones owned by individuals. Electronic payment services are becoming widespread among consumers. For example, techniques for paying various fees using electronic payment services have also been proposed.

Further, among the electronic payment services described above, there are some that provide services that do not only allow payment of various fees, but also allow digital money such as electronic money and virtual currency to be transferred between users.

JP 2021-119517 Publication

However, there is room for improvement in the digital money remittance service in order to further enhance the service. For example, there are many requests for remittances from corporations to individuals for the purpose of salary payments and various payments other than salaries. Furthermore, if the introduction of the so-called ``digital payment of salaries'', which is currently being considered by the government, is lifted, it is predicted that the demand for remittances from corporations to individuals will increase even further.

However, at present, the development of corporate accounts for corporations has not kept pace with digital money remittances, and even if corporate accounts were developed, it would be necessary to build a system tailored to the use of corporate accounts, and This requires a lot of man-hours.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can enhance the service of remitting digital money.

The information processing device according to the present application includes a management section and a return section. The management department includes user identification information for identifying a first user who is a user of a first service that receives transfer funds to a virtual account in digital money, and information about a virtual account assigned to the first user. Manage information by associating it with information. The return unit receives an inquiry request for a virtual account corresponding to the first user from a second user who is a user of a second service that charges digital money to the first user through transfer to the virtual account. The inquiry request is accepted and virtual account information linked to the user identification information included in the inquiry request is returned.

According to one aspect of the embodiment, it is possible to enhance the service for remitting digital money.

FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of an overview (Part 2) of information processing according to the embodiment. FIG. 3 is a diagram illustrating an example of an overview (Part 3) of information processing according to the embodiment. FIG. 4 is a diagram illustrating an example of notification of a transfer payment by the transfer payment service according to the embodiment. FIG. 5 is a diagram for explaining an overview of the corporate service according to the embodiment. FIG. 6 is a diagram for explaining another example of the processing of the corporate service according to the embodiment. FIG. 7 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 8 is a diagram illustrating an example of information stored in the virtual account information storage unit according to the embodiment. FIG. 9 is a diagram illustrating an example of information stored in the user information storage unit according to the embodiment. FIG. 10 is a diagram illustrating another example of information stored in the user information storage unit according to the embodiment. FIG. 11 is a diagram illustrating an example of information stored in the account information storage unit according to the embodiment. FIG. 12 is a diagram illustrating an example of information stored in the reference service user information storage unit 124 according to the embodiment. FIG. 13 is a flowchart illustrating an example of a procedure for account assignment processing executed by the payment server according to the embodiment. FIG. 14 is a flowchart illustrating an example of a processing procedure of a transfer payment reflection process executed by the payment server according to the embodiment. FIG. 15 is a sequence diagram showing the processing flow of the corporate service according to the embodiment. FIG. 16 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
Information processing realized by the information processing apparatus and the like according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram illustrating an example of an overview (Part 1) of information processing according to an embodiment. Note that in FIG. 1, it is assumed that information processing and the like according to the embodiment are realized by a payment server 100, which is an example of an information processing apparatus according to the embodiment.

(1-1. System configuration)
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a user terminal 10, a bank server 20, and a payment server 100. The user terminal 10, the bank server 20, and the payment server 100 are connected to be able to communicate with each other by wire or wirelessly via a network N (see, for example, FIG. 5). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the information processing system 1 shown in FIG. 1 may include multiple user terminals 10, multiple bank servers 20, and multiple payment servers 100.

A payment server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides service users with an electronic payment service regarding electronic payment using the user terminal 10 (a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment). Payment server 100 executes information processing regarding electronic payment services. Specifically, the payment server 100 distributes an application program for a user terminal (hereinafter appropriately referred to as a "user application") for realizing code payment to general consumers who are service users. When the payment server 100 receives a transaction request from a user application via an interface dedicated to the user application, the payment server 100 executes information processing including electronic money transfer processing between accounts in accordance with the transaction request. The user application transmits transaction information including information such as a payment destination, a payment source, and a payment amount to the payment server 100. In addition to the above information, transaction information includes information such as transaction codes to identify individual transactions and date and time information (time stamps) to identify the date and time of transactions. You can.

In addition, the payment server 100 provides a deposit service using electronic money, which is an example of digital money, as one of the above-mentioned services. For example, the payment server 100 provides a service that accepts salary transfers using electronic money and various types of transfer payments other than salaries. The details of the specific information processing will be explained later. Note that services that accept salary transfer payments and various transfer payments may be configured as mini-apps that are launched within the user application to realize code payments, or may be configured as mini-apps that are launched within the user application to realize code payments, or may be configured as mini-apps that are launched within the user application to realize code payments. It may also be a unique application program.

The user terminal 10 shown in FIG. 1 is an information processing device used by a user UX who is a general consumer who receives transactions from a store and who uses services provided by the payment server 100. The user terminal 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 10 displays information distributed by the payment server 100 using a web browser or an application. Note that in FIG. 1, a smartphone is illustrated as the user terminal 10.

Note that when the user terminal 10 receives control information for implementing predetermined information processing from the payment server 100, it implements the information processing in accordance with the control information. Here, the control information may be a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

The bank server 20 shown in FIG. 1 is an information processing device belonging to a bank (an example of a "financial institution") that manages bank accounts opened by applicants, and is realized by a server device, a cloud system, or the like. For example, the bank server 20 stores, as the usage history of the bank account, information related to withdrawals from the bank account by each card company and various service providers (debit amount, date and time of withdrawal, etc.), current account information ( Account balances, etc. are managed by associating them with account holders.

(1-2. Regarding payment using user terminal 10)
Here, an example of code payment (electronic payment) using the user terminal 10 will be described. In the following explanation, a two-dimensional code (QR code (registered trademark)) placed at store X, which indicates store identification information for identifying store An example in which the receiving user UX makes a payment using the user terminal 10 will be described. Note that an example of code payment described below can be applied to a case where any user makes a payment at any store using any user terminal 10. Further, the two-dimensional code indicating store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc. Further, the two-dimensional code is not limited to the example of being physically configured by printed matter printed on a medium such as paper, but may be configured by image information displayed on an arbitrary terminal.

For example, when the user UX makes a payment for purchasing or using transaction objects such as various products and services at the store X, the user UX starts a user application installed in the user terminal 10 in advance. The user UX then photographs the two-dimensional code installed at the store X via the user application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user UX or the clerk at the store X. Then, the user terminal 10 receives user identification information that identifies the user UX, store identification information (or information indicated by the store identification information, that is, information indicating store X (for example, store ID)), and the payment The transaction information including the amount is transmitted to the payment server 100.

When the payment server 100 receives transaction information from the user terminal 10, the payment server 100 transfers electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information to the account of the store X indicated by the store identification information. to migrate. At this time, the payment server 100 may deduct a predetermined fee to be charged to the store X from the electronic money equivalent to the payment amount, and then transfer the electronic money to the store X's account. The payment server 100 then sends a notification to the user terminal 10 that the transaction has been completed. In such a case, the user terminal 10 notifies the user UX that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information, manages it as sales information of store X, and withdraws the amount equivalent to the sales at a predetermined timing. The cash may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the user UX that the electronic money transaction has been completed at the timing when electronic money corresponding to the payment amount is withdrawn from the user UX's account.

Note that payment using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using a terminal device installed at the store X (hereinafter referred to as a "store terminal"). Specifically, first, the user terminal 10 displays on the screen code information indicating user identification information for identifying the user UX. In such a case, the store terminal reads the user identification information from the code information displayed on the user terminal 10, and stores the read user identification information (or the information indicated by the user identification information, that is, the user UX). transaction information including information indicating the transaction (for example, user ID), the payment amount, and information identifying the store X is transmitted to the payment server 100.

Upon receiving the transaction information from the store terminal, the payment server 100 transfers electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information to the account of the store X. The payment server 100 then sends a notification to the store terminal or user terminal 10 that the transaction has been completed. The store terminal or user terminal 10 notifies the user UX that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Further, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the user UX indicated by the user identification information, manages it as sales information of store X, and withdraws the amount equivalent to the sales at a predetermined timing. The cash may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the clerk or the user UX that the electronic money transaction has been completed at the timing when electronic money corresponding to the payment amount is withdrawn from the user UX's account.

In addition, the payment using the user terminal 10 is not only a process of transferring electronic money from an account to which the user UX has previously charged electronic money to an account at the store Payment may be made using a card. In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the payment amount to the account of store may be requested.

In addition, the payment using the user terminal 10 is not only the process of transferring electronic money from the account of the user UX to the account of the store X, but also the process of transferring electronic money from the account of the user UX to the account of another user. It may also be a payment that transfers money (that is, a remittance between users). For example, the user terminal 10 used by the user UX of the remittance source uses user identification information that identifies the user of the remittance destination (e.g., user identification information displayed on the terminal device used by the remittance destination user). is read, receives an input of the remittance amount from the user UX, and transmits information indicating the read identification information, the remittance amount, and user identification information that identifies the user UX to the payment server 100. In such a case, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user UX to the account of the remittee user, and uses it by the user terminal 10 or the remittee user. The fact that the remittance has been completed may be notified by causing the terminal device to output a screen or a predetermined voice indicating that the remittance has been completed.

Note that remittance using the user terminal 10 is not limited to the above-described processing. For example, remittance using the user terminal 10 may be performed by inputting the telephone number of the user to whom the remittance is to be made or information indicating the user to whom the remittance is to be made (e.g., user ID) into the user terminal 10. . To give a specific example, the user terminal 10 receives input from the user UX of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount, and inputs the input telephone number or user ID, The remittance amount and user identification information for identifying the user UX are transmitted to the payment server 100. Then, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the user UX's account to the user's account linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user who is the remittance destination may be registered in advance in the user application in association with information regarding the user. In this case, the user terminal 10 receives from the user UX the designation of the user (remittance destination) registered in the user application and the input of the remittance amount to the user, and the The number or user ID, the remittance amount, and user identification information that identifies the user UX are transmitted to the payment server 100.

Further, for example, remittance using the user terminal 10 may be performed by providing link information for receiving the remittance amount to the user of the remittance destination. To give a specific example, the user terminal 10 receives an input of the remittance amount from the user UX, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. By posting posted information including this on SNS (Social Networking Service), link information is provided to the terminal device used by the user of the remittance destination. Then, when the remittance destination user selects the link information and performs a receiving operation, the payment server 100 transfers electronic money in the amount indicated by the remittance amount from the user UX's account to the remittance destination user's account. Migrate.

Note that the payment means and payment services described above are not limited to those for providing consideration for purchasing products or providing services (settlement of debts). For example, as described above, the payment means or payment service may have a function related to remittance between accounts owned by multiple users. That is, the above-mentioned payment means and payment service may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the owner of electronic money, such as users and stores. In other words, the payment means and payment services according to the embodiments include various controls for realizing electronic money exchange (not only various inter-account remittance controls via electronic money, but also control regarding exchanges between electronic money accounts and bank accounts). Transaction methods and transaction services that carry out various types of debt processing such as control, processing related to splits and bonus payments, and various other controls related to the exchange of assets, including electronic money, may be provided in any format. Good too. Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

(1-3. Overview of embodiment)
(1-3-1. Application for use (Part 1))
An overview of the information processing related to the money transfer service executed by the payment server 100 will be explained below. First, an overview (Part 1) of the process in response to an application for use of the money transfer service will be explained using FIG. FIG. 1 shows an overview of an application by a service user who wishes to transfer money other than salary using electronic money.

Note that in the following description, the user terminal 10 may be equated with the user UX. That is, below, the user UX can also be read as the user terminal 10.

As shown in FIG. 1, the payment server 100 requests a bank server 20 belonging to a partner bank (an example of a "financial institution") to lend a virtual account (step S11). A virtual account is a plurality of virtual accounts that are linked to the same bank account owned by a business that operates the payment server 100 at a partner bank. Note that this virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination, and functions as a dedicated account for receiving various transfers. The bank server 20 lends a virtual account in response to a request from the payment server 100 (step S12). Note that the payment server 100 can borrow a predetermined volume of virtual accounts (for example, an arbitrary number such as a maximum of 9,999,999 accounts) from the bank server 20 at one time.

The user UX transmits a request to create a dedicated account for transfer to the payment server 100 through the top screen (for example, screen D1-1) of the user application displayed on the user terminal 10 (step S13).

When the payment server 100 receives a request to create a dedicated account for transfer from the user terminal 10, it allocates a virtual account and registers user information (step S14). For example, the payment server 100 arbitrarily selects a virtual account from among a plurality of unused virtual accounts lent out in advance from a partner bank, and creates a virtual account exclusively for use by the user UX who requested creation. Assign it arbitrarily as an account (virtual account). Then, the payment server 100 registers account information for specifying the assigned dedicated account (virtual account) and identification information unique to the user UX in association with each other, and manages the account information as user information. As identification information unique to the user UX, for example, a user ID that is individually assigned to each user by the payment server 100 at the time of registration for use of the electronic payment service can be used.

In addition, for the purpose of complying with the retention regulations in the funds transfer industry required by law, the payment server 100 is configured to handle payments that exceed a predetermined amount of the amount deposited using a dedicated account for transfer payments as the transfer destination (remittance destination). Information on a refund bank account for refunding the amount of cash to the user UX linked to the dedicated account is acquired from the user UX when applying for use. The payment server 100 associates the refund bank account information acquired from the user UX with the above-mentioned unique information and registers it as user information.

When the assignment of the virtual account and the registration of the user information are completed, the payment server 100 sends the user terminal 10 a message to specify the virtual account assigned to the user UX as information on the dedicated account for transfer. By transmitting the account information (step S15), the account information is provided to the user UX.

Hereinafter, an example of the transition of screens displayed on the user terminal 10 in response to an application to use the money transfer service will be described. The screen D1-1 shown in FIG. 1 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. The screen D1-1 shown in FIG. 1 is provided with an icon OB1-1 for applying for the use of transfer funds.

Further, the screen D1-2 shown in FIG. 1 is an example of a dedicated account creation request screen displayed on the user terminal 10 in accordance with the operation of the icon OB1-1 by the user UX. The screen D1-2 shown in FIG. 1 is provided with a button OB1-2 for transmitting a request to create a dedicated account for transfer to the payment server 100. Button OB1-2 is configured to be able to accept operations from the user UX, for example, on the condition that refund account information is input and consent is given to the terms of use and the handling of personal information. Good too.

In addition, the screen D1-3 shown in FIG. 100 is an example of a response screen sent to the user terminal 10. The screen D1-3 shown in FIG. 1 displays information regarding a dedicated account for transfer funds created by the payment server 100. The user UX notifies the transfer requesting party of information regarding this dedicated account for transfer funds. The transfer request destination makes the transfer using the dedicated account for transfer payments notified by the user UX as the transfer destination (remittance destination). When the payment server 100 detects that there is a transfer deposit to the dedicated account for transfer payments, the payment server 100 transfers the amount equivalent to the deposit amount to the dedicated account to the electronic money account of the user UX corresponding to the dedicated account for transfer payments. Charge electronic money. That is, the payment server 100 reflects the deposited amount in the money balance linked to the user UX's account corresponding to the dedicated account for transfer.

(1-3-2. Application for use (Part 2))
Hereinafter, using FIG. 2, an overview (part 2) of the process in response to an application for use of the money transfer service will be explained. FIG. 2 is a diagram illustrating an example of an overview (Part 2) of information processing according to the embodiment. FIG. 2 shows an outline of an application for use by a service user who wishes to have his/her salary transferred using electronic money. Note that the processing procedure from step S21 to step S22 shown in FIG. 2 corresponds to the processing procedure from step S11 to step S12 shown in FIG. 1, so a description thereof will be omitted.

As shown in FIG. 2, the user UX sends a request to create a dedicated account for receiving salary to the payment server 100 through the top screen (for example, screen D2-1) of the user application displayed on the user terminal 10 ( Step S23).

When the payment server 100 receives a request to create a dedicated account for salary receipt from the user terminal 10, it allocates a virtual account and registers user information (step S24). For example, the payment server 100 arbitrarily selects a virtual account from among a plurality of unused virtual accounts lent out in advance from a partner bank, and creates a virtual account exclusively for use by the user UX who requested creation. Assign it arbitrarily as an account (virtual account). Then, the payment server 100 registers account information for specifying the assigned dedicated account (virtual account) and identification information unique to the user UX in association with each other, and manages the account information as user information. As identification information unique to the user UX, for example, a user ID that is individually assigned to each user by the payment server 100 at the time of registration for use of the electronic payment service can be used.

Furthermore, the payment server 100 acquires information regarding predetermined necessary matters from the user UX when applying for use, with the aim of complying with the above-described retention regulations and detecting remittance mistakes in the name of salary. The predetermined required information may include the place of work or employer, employee number, name within the company, amount of money to be received, and bank account for refund. It is assumed that information regarding workplaces and employers will be used to confirm the transfer source (remittance source) in the transfer payment service for receiving salary. Furthermore, it is assumed that the employee number will be used as a key to verify the identity of the person making the transfer if there is an error in the transfer. In addition, it is assumed that the name within the company will be used to confirm the account holder designated as the transfer destination (remittance destination). Further, it is assumed that the received amount is used to adjust the amount in advance so that it does not exceed a predetermined amount. It is assumed that the refund bank account will be used as a transfer destination (remittance destination) for an amount exceeding a predetermined amount. The payment server 100 associates the predetermined information acquired from the user UX with the above-mentioned unique information and registers it as user information.

When the assignment of the virtual account and the registration of the user information are completed, the payment server 100 transmits the account information regarding the virtual account assigned to the user UX to the user terminal 10 (step S25). Provide account information to user UX.

Hereinafter, an example of the transition of screens displayed on the user terminal 10 in response to an application for the use of a transfer deposit service for receiving salary using electronic money will be described. The screen D2-1 shown in FIG. 2 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. The screen D2-1 shown in FIG. 2 is provided with an icon OB2-1 for applying for receiving salary using electronic money.

Further, the screen D2-2 shown in FIG. 2 is an example of a dedicated account creation request screen displayed on the user terminal 10 in accordance with the operation of the icon OB2-1 by the user UX. The screen D2-2 shown in FIG. 2 is provided with a button OB2-2 for transmitting a request to create a dedicated account for receiving salary to the payment server 100. For example, the button OB2-2 may be configured to be able to accept operations from the user UX on the condition that certain necessary information is entered and consent is given to the terms of use and the handling of personal information. good.

In addition, the screen D2-3 shown in FIG. 100 is an example of a response screen sent to the user terminal 10. The screen D2-3 shown in FIG. 2 displays information regarding a dedicated account for salary receipt created by the payment server 100. Here, the payment server 100 assigns a name indicating that the account is for salary receipt (for example, "Kyuyo Branch") as the branch name of the dedicated account for salary receipt. The user UX informs the transfer requesting party of the information on the dedicated account for receiving the salary. The remittance request destination performs the remittance using the dedicated account for salary receipt notified by the user UX as the remittance destination (remittance destination). When the payment server 100 detects a deposit from a transfer requestee into a dedicated account for receiving salary, it charges electronic money equivalent to the deposited amount to the electronic money account of the user UX corresponding to the dedicated account for receiving salary. do. That is, the payment server 100 reflects the deposited amount in the money balance linked to the user UX's account corresponding to the dedicated account for receiving salary.

As described above, the payment server 100 can allocate a virtual account to a user for each purpose of use, such as transfer of funds other than salary or transfer of salary. In addition, in the examples shown in FIGS. 1 and 2, an outline of the processing is explained in which the payment server 100 receives an application for the use of a bank transfer service other than salary and an application for the use of a salary bank transfer service, respectively. However, there is no need to be limited to this example. For example, after receiving an application to use the money transfer service, the payment server 100 may allow the service user to select whether the purpose of use is a money transfer other than salary or a salary money transfer.

In addition, the payment server 100 assigns a virtual account to a service user as a dedicated account for the transfer payment service in response to an application for the use of a transfer payment service other than a salary, with an expiration date set in advance. It may be a virtual account. Note that the virtual account that the payment server 100 allocates to a service user in response to an application for a transfer service other than salary may be a one-time account. Thereby, it is possible to promote the renewal of the virtual account and to make effective use of the virtual account.

Furthermore, when allocating virtual accounts to service users for each purpose of use, the payment server 100 may manage money balances for each purpose of use. For example, the payment server 100 separately separates the money balance corresponding to the transfer deposit using the transfer deposit service other than salary shown in FIG. 1 and the money balance corresponding to the transfer deposit using the transfer deposit service for salary receipt shown in FIG. can be managed.

(1-4. Transfer payment reflection process)
Hereinafter, an overview of the process for reflecting the transfer amount by the transfer payment service will be explained using FIG. 3. FIG. 3 is a diagram illustrating an example of an overview (Part 3) of information processing according to the embodiment. FIG. 3 shows an information processing system 1 in a case where service users UX and UY apply for a transfer service for services other than salaries, and user UZ applies for a salary transfer service. This shows an overview of the processing.

As shown in FIG. 3, when the user UX uses the money transfer service, the user UX notifies the recipient of the transfer request of the transfer destination information including information indicating the dedicated account for the transfer received from the payment server 100. For example, the user UX may include bank name: "ABC Bank," branch number: "123," branch name: "DEF," account type: "Ordinary," and account number indicating a virtual account: "111112." , and the name (of the account holder): ``Tokyo Kenichi'' will be notified to company A to whom the transfer is requested.

Further, when using the money transfer service, the user UY notifies the transfer destination of the transfer destination information including information indicating the dedicated account for the transfer received from the payment server 100. For example, user UY has bank name: "ABC Bank," branch number: "123," branch name: "DEF," account type: "Ordinary," and account number indicating a virtual account: "111113." Inform Company B of the transfer requesting party of the name (of the account holder): "Isho Sakurako".

Further, when the user UZ uses the money transfer service, the user UZ notifies the transfer destination of the transfer destination information including information indicating the dedicated account for receiving the salary notified by the payment server 100. For example, user UZ may have bank name: "ABC Bank," branch number: "123," branch name: "Kyuyo Branch," account type: "Ordinary," or account number indicating a virtual account: "111111." '' and the name (of the account holder): ``Shohyojin'' to the employer C who requested the transfer.

When the company A receives a request for a transfer from the user UX, the company A makes the transfer based on the transfer destination information notified by the user UX. For example, company A remits the amount specified by user UX from the sending bank where it owns a bank account to the bank (branch) account and account holder listed in the remittance information. . In FIG. 3, an example is shown in which company A remits cash: "¥30,000" to a dedicated account number: "111112" whose account holder is "Tokyo Kenichi."

When company B receives a request for transfer from user UY, company B makes the transfer based on the transfer destination information notified by user UY. For example, Company B remits the amount specified by User UX from the sending bank where it owns a bank account to the bank (branch) account and account holder listed in the remittance information. . In FIG. 3, an example is shown in which company B remits cash: "¥50,000" to a dedicated account number: "111113" whose account holder is "Isho Sakurako."

When the employer C receives a request for a transfer to receive a salary from the user UZ, the employer C makes the transfer based on the transfer destination information notified by the user UZ. For example, employer C remits the salary of user UZ from the sending bank where he owns a bank account to the bank (branch) account and account holder listed in the remittance information. In FIG. 3, an example is shown in which an employer C remits a salary of "250,000 yen" to a dedicated account number: "111111" whose account holder is "Shohyojin."

The payment server 100 executes a detection process to detect a transfer to a dedicated account (virtual account) individually assigned to each user from among a plurality of virtual accounts linked to the same bank account (step S31). ). For example, the payment server 100 checks the balance of a bank account to which a plurality of dedicated accounts (virtual accounts) are linked at a predetermined timing. Then, when the balance of the corresponding bank account increases, the payment server 100 individually specifies the dedicated account number indicating the dedicated account (virtual account) designated as the remittance destination.

Further, when the payment server 100 detects that a deposit has been made to the dedicated account number, the payment server 100 executes a process of confirming the details of the deposit (step S32). Then, the payment server 100 executes processing according to the confirmation result of the transfer details (steps S33 to S35).

For example, the payment server 100 obtains the balance of a dedicated account (virtual account) linked to a target user (for example, user UX, user UY, user UZ, etc.) to which the transfer money is to be sent. Then, the payment server 100 determines whether or not the balance after reflecting the amount of the transferred money in the dedicated account (virtual account) exceeds a predetermined amount.

If the balance of the dedicated account (virtual account) does not exceed a predetermined amount, the payment server 100 performs a charging process to reflect the deposit amount of the transfer to the money balance of the electronic money owned by the target user. (Step S33). On the other hand, if the balance in the dedicated account (virtual account) exceeds a predetermined amount, the payment server 100 transfers the amount exceeding the predetermined amount to a bank account linked to the target user in advance. A refund process is executed to remit the amount of cash (step S34).

Furthermore, if the detected transfer is for receiving a salary, the payment server 100 may send a confirmation request to the target user to confirm the details of the transfer (step S35). For example, if the source of the transfer payment is different from the workplace or employer that the target user has set in advance, the payment server 100 sends a confirmation notification to the user to confirm whether the payment is for salary receipt. It may also be transmitted to the terminal 10. In this case, if the payment server 100 receives confirmation from the target user, it executes processing such as charging the money balance. In addition, the payment server 100 traces the history of the target user's remittances, and if the remittances for salary receipt are made at irregular timings, the payment server 100 checks whether there is any mistake in the remittance deposit for salary receipt. A confirmation notification may be sent to the user terminal 10 for confirmation. In addition, the payment server 100 traces the history of transfer payments of the target user, and if transfer payments for purposes other than salary are continuously detected at a certain timing, the payment server 100 determines that it is not a mistake to make a transfer payment for salary receipt. A confirmation notification may be sent to the user terminal 10 to inquire of the target user whether or not this is the case. This can prevent the money transfer service from being used for the wrong purpose.

Further, the payment server 100 may obtain, at a predetermined timing, information indicating the money balance managed based on the salary breakdown for each service user, and notify the affiliated bank of the information. In the event that a funds transfer provider goes bankrupt, a partner bank may guarantee electronic money paid as salary. In such a case, it is useful for the affiliated bank to check the balance of electronic money paid to the user as salary, in that it can grasp the amount that needs to be guaranteed.

Further, the payment server 100 may be able to accept from the user the selection of the amount to be received in electronic money from among the deposit amount of the transfer deposit when applying for the use of the transfer deposit service for receiving salary. In this case, the payment server 100 can process the deposited amount by subtracting the amount received in electronic money and transferring the difference in cash to the target user's bank account.

Additionally, the business operator that operates the payment server 100 must make prior arrangements with partner banks to refuse acceptance of transfer payments if the amount received in one shot exceeds a predetermined amount. You can leave it as is. For example, the payment server 100 transmits to the bank server 20 at a predetermined timing information indicating a predetermined amount of money for which acceptance of deposit into the virtual account is rejected. Note that the predetermined amount may be set for each purpose of use (transfer payment service).

Further, the payment server 100 may obtain from the bank server 20 information regarding transfer payments for which the bank server 20 has performed a process of refusing receipt of payments to the virtual account. For example, in a money transfer service for salary receipt, if the deposit amount for one shot exceeds a predetermined amount, the payment server 100 determines that there is a high probability that the deposit amount will exceed the predetermined amount the next time as well. In this case, the payment server 100 sends a confirmation notice to the target user associated with the virtual account to which the transfer payment is to be made, asking whether or not to continue using the transfer payment service for receiving salary next time. . This prevents the affiliated bank from refusing to accept a next deposit.

(1-5. Example of payment notification)
Hereinafter, an example of notification of a transfer payment by the transfer payment service will be described using FIG. 4. FIG. 4 is a diagram illustrating an example of notification of a transfer payment by the transfer payment service according to the embodiment. FIG. 4 shows an example of a deposit notification when a deposit is made to the user UX through a money transfer service.

The screen D3-1 shown in FIG. 4 is an example of the top screen of the user application displayed on the user terminal 10 according to the operation of the user UX. On the screen D3-1 shown in FIG. 4, a general-purpose pop-up OB3-1 is displayed to notify the user UX that there has been a deposit through the money transfer service.

The screen D3-2 shown in FIG. 4 is an example of a notification details screen displayed on the user terminal 10 in accordance with the operation of the pop-up OB3-1 by the user UX. In FIG. 4, an example is shown in which detailed information corresponding to pop-up OB3-1 is displayed on screen D3-2, such as "We received a deposit of 30,000 yen from company A." This allows the UX of both companies to confirm that the money transfer service has functioned normally.

(1-6. Processing of corporate services)
An example of processing of a service provided to corporations will be described below. For example, in the example of the information processing described above, a case has been described in which a company makes a transfer payment based on transfer destination information notified by a user. Below, an example of information processing related to a service for corporations that allows a company to make a transfer without acquiring transfer destination information from a user will be described. FIG. 5 is a diagram for explaining an overview of the corporate service according to the embodiment.

Note that in the following description, company A may be equated with the company server 30 used by company A. That is, below, company A can be read as company server 30.

(contract relationship)
Business operator J shown in FIG. 5 operates and manages the payment server 100. In providing the above-mentioned money transfer service (an example of the "first service"), business operator J concludes a contract regarding the use of a virtual account with a cooperating financial institution. In addition, business operator J pays a predetermined fee to the cooperating financial institution when using the virtual account. In addition, business operator J provides the money transfer service on the condition that the user agrees to the terms of use of the money transfer service (concludes a usage contract). As described above, in providing the money transfer service, the business operator J links the virtual account number assigned to the user UX with the user ID individually assigned to the user UX as a user account. In addition, business operator J provides a charge-only account reference service (an example of a "second service") that allows reference to a virtual account number linked to a user ID.

Further, business operator J provides a money transfer service to the user UX (an example of a "first user") on the condition that the user agrees to the terms of use of the money transfer service (concludes a usage contract). By using the money transfer service, the user UX can receive money transferred to the above-mentioned virtual account in the form of digital money such as electronic money (hereinafter referred to as "electronic money"). Further, business operator J provides reference service for charge-only accounts to company A, on the condition that the user agrees to the terms of use for the reference service (concludes a usage contract).

Further, company A (an example of a "second user") concludes a reference service usage contract with business operator J when using the reference service described above. By using the reference service, Company A obtains the virtual account number linked to the user UX from the payment server 100 without obtaining remittance information from the user UX, and uses the obtained virtual account number to , it is possible to charge electronic money to the user UX. Further, before charging electronic money to user UX, company A obtains consent to receive electronic money from user UX in advance.

(About the flow of funds)
An overview of information processing in which company A charges electronic money to user UX using a reference service and the flow of funds accompanying this information processing will be described below. For example, if company A is holding a campaign to return a predetermined profit to each user, it obtains consent in advance from users UX who wish to receive the return in electronic money.

Then, for example, through a website such as a campaign site, company A requests the user UX to provide a user ID (an example of "user identification information") to be used in the money transfer service. User UX provides a user ID in response to a request from company A. Here, the user ID given to the user UX when using the money transfer service is assigned for each purpose of use of the money transfer service. For example, when a user UX uses a bank transfer service for the purpose of receiving a salary, a user ID for salary receipt is assigned, and when a user UX uses a bank transfer service for the purpose of receiving a bank transfer other than a salary, a user ID is assigned. You will be given a user ID for transferring funds. In the case shown in FIG. 5, for example, user UX provides company A with a user ID for transferring money.

After acquiring the user ID from the user UX, the company A (for example, the company server 30) sends an inquiry request for the virtual account corresponding to the user UX to the payment server 100. For example, company A includes the user ID acquired from user UX in an inquiry request and sends it to payment server 100.

The payment server 100 provides a charge-only account reference service to company A on the condition that the company A agrees to the terms of use of the reference service. When payment server 100 receives a virtual account inquiry request from company A that uses the reference service, payment server 100 returns virtual account information linked to the user ID included in the inquiry request. For example, the payment server 100 acquires the virtual account number associated with the user ID included in the inquiry request from user information managed by associating the user ID with the virtual account number, and Send the account number to Company A.

When company A receives the virtual account number from payment server 100, company A performs a bank transfer from a financial institution account owned by company A to the virtual account using the virtual account number as the transfer destination.

When the affiliated financial institution of business operator J confirms the transfer from company A to the virtual account, it stores the balance of the virtual account in the storage account owned by business operator J at the affiliated financial institution.

When the payment server 100 receives a notification from the affiliated financial institution and detects a transfer from company A, it confirms the details of the transfer and executes charging processing (addition of balance). Specifically, the payment server 100 identifies the user ID associated with the virtual account number of the transfer destination, and reflects the deposit amount of the transfer in the money balance associated with the specified user ID. (adds the amount equivalent to the deposited amount to the balance linked to the user ID).

In this way, the payment server 100 can realize information processing that allows company A to charge electronic money to user UX using only the user ID obtained from user UX. As a result, the payment server 100 can realize a service that allows electronic money to be transferred from a corporation to an individual without the need for establishing a corporate account or building a system, thereby enhancing the electronic money remittance service. . In addition, since the payment server 100 only exchanges the user ID between company A, which is the transfer source, and user UX, which is the transfer destination, it is also possible that an incorrect transfer may occur due to a mistake in specifying the transfer destination information by the user UX. It is possible to avoid a situation where a transfer is made first.

Further, the payment server 100 may individually allocate user IDs and virtual accounts for each purpose of using the money transfer service. In this case, the payment server 100 manages user IDs and virtual account numbers that are individually assigned for each purpose of using the money transfer service in association with each other. This makes it possible to charge for each purpose of use with a simple scheme.

Furthermore, in response to an inquiry from company A, the payment server 100 may return information regarding whether or not the user UX's usage contract for the money transfer service is valid. In this case, the payment server 100 manages user information in which the user ID is associated with information indicating whether the usage contract for the money transfer service is valid. Then, in response to the inquiry from company A, the payment server 100 refers to the user information of user UX and returns information to company A indicating whether or not the user UX's contract for using the money transfer service is valid. do. Thereby, the payment server 100 can support preventing company A from executing a transfer payment to a user UX whose usage contract for the transfer payment service is invalid.

(1-7. Other examples of processing of corporate services)
Although we have explained an example in which the user ID assigned to the user UX when using the money transfer service is assigned for each purpose of use of the money transfer service, it is also possible to use a single user ID for multiple purposes of use. May be granted. An example of processing in this case will be described below. FIG. 6 is a diagram for explaining another example of the processing of the corporate service according to the embodiment.

As shown in FIG. 6, the company server 30 managed by company A transmits a virtual account inquiry request corresponding to a predetermined user (for example, user UX) to the payment server 100 (step S41). At this time, the corporate server 30 includes the user ID (for example, U001) acquired from the predetermined user and the purpose of use (for example, salary receipt) set by the predetermined user in response to the inquiry request. Note that as a premise of the process shown in FIG. 6, company A receives consent from a predetermined user to receive electronic money for each purpose of use. Further, when using the reference service for charge-only accounts, company A concludes a contract with business operator J for each purpose of use (agreeing to the terms).

Upon receiving the inquiry request from the company server 30, the payment server 100 refers to the reference service user information storage unit 124 and determines whether company A, which is the source of the inquiry request, has a contract regarding the purpose of use included in the inquiry request. It is confirmed whether or not (step S42). As shown in FIG. 6, the reference service user information storage unit 124 has an item of "company ID" and an item of "purpose of use" that are correlated with each other. When concluding a reference service usage contract, the payment server 100 acquires the company ID, which is the identification information of company A, which is the contractor, and the purpose of use information, and stores the acquired information in the reference service user information storage unit 124. Register and manage. In the example shown in FIG. 6, company ID: "K101" and purpose of use: "receive salary" are associated. In the case shown in FIG. 6, the payment server 100 makes an inquiry because the requester ID (company ID) and purpose of use included in the inquiry request match the information registered in the reference service user information storage unit 124. It is determined that company A, which is the source of the request, has a contract regarding the purpose of use: "receipt of salary."

After confirming the validity of the inquiry request, the payment server 100 refers to the user information storage unit 122 and acquires the virtual account number associated with the user ID and purpose of use included in the inquiry request (step S43). As shown in FIG. 6, the user information storage unit 122 has an item of "user ID", an item of "purpose of use", and an item of "virtual account number", and information about these items can be stored. They are stored in correspondence with each other. In the example shown in Figure 6, user ID: "U001" is associated with multiple purposes of use: "receipt of salary" and "deposit of funds," and furthermore, virtual Account numbers are associated. In the case shown in FIG. 6, the payment server 100 acquires the virtual account number: "111114" using the user ID: "U001" and the purpose of use: "receipt of salary" included in the inquiry request as keys.

Then, the payment server 100 returns (sends) the acquired virtual account number to the company server 30 (step S44). Thereafter, the company server 30 executes subsequent processing in the same manner as shown in FIG.

In this way, the payment server 100 manages users of the money transfer service by associating a single user ID with multiple purposes of use, thereby preventing mistakes in the transfer destination when making a money transfer. .

[2. Payment server configuration]
Next, the configuration of the payment server 100 will be described using FIG. 7. FIG. 7 is a diagram illustrating a configuration example of a payment server according to an embodiment. As shown in FIG. 7, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and sends and receives information to and from the user terminal 10, the bank server 20, the company server 30, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 7, the storage unit 120 includes a virtual account information storage unit 121, a user information storage unit 122, an account information storage unit 123, and a reference service user information storage unit 124. Note that the storage unit 120 may store information regarding the user of the reference service described above.

(About virtual account information storage unit 121)
The virtual account information storage unit 121 stores information regarding a virtual account lent by a partner bank. FIG. 8 is a diagram illustrating an example of information stored in the virtual account information storage unit according to the embodiment. As shown in FIG. 8, the information regarding the virtual account stored in the virtual account information storage unit 121 includes an item of "virtual account number" and an item of "status."

The "virtual account number" item stores an account number unique to each of a plurality of virtual accounts linked to the same bank account owned by the business operator that operates the payment server 100 at the affiliated bank. Note that this virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination (remittance destination), and functions as a dedicated account for receiving various transfers. The "Status" item stores information indicating whether the account number indicating the corresponding virtual account is in use (assigned to a service user).

For example, FIG. 8 shows that among the virtual account numbers, "111111," "111112," and "111113" are in use, and "999999" is unused.

(About the user information storage unit 122)
The user information storage unit 122 stores user information regarding service users of the money transfer service. FIG. 9 is a diagram illustrating an example of user information stored in the user information storage unit according to the embodiment. As shown in FIG. 9, the user information stored in the user information storage unit 122 includes items such as "user ID", "account ID", "virtual account number", and " Items such as ``Purpose of use'', ``User name'', ``Work place/employer'', ``Employee number'', ``Internal name'', and ``Amount received (in millions)'' are included. It has multiple items such as ``Yen),'' ``Bank account for refund,'' and ``Service status.'' These items included in the user information are associated with each other.

The "user ID" item stores a user ID, which is identification information unique to a service user of the money transfer service (for example, user UX shown in FIG. 5). For example, user IDs are individually assigned to service users for each purpose of using the money transfer service. The "account ID" item stores an account ID that is identification information for uniquely identifying a virtual account. Note that the user information does not need to include the "account ID" item if there is no problem in executing the information processing according to the present embodiment. The "virtual account number" item stores information on a virtual account number for identifying a virtual account assigned to a service user. The "purpose of use" item stores information indicating the purpose of use of the money transfer service. For example, if "transfer deposit" is stored in the "Purpose of use" item, it means that the purpose is to receive a nominal deposit other than salary to the virtual account as electronic money. Furthermore, if "receive salary" is stored in the "purpose of use" item, it means that the purpose is to receive a nominal salary transfer to the virtual account as electronic money. The "user name" item stores information indicating the name of the service user.

The "workplace/employer" item stores information indicating the name of the company where the service user works and the employer who employs the service user. It is envisaged that information regarding workplaces and employers will be used for purposes such as confirming the source of payment in a bank transfer service for receiving salaries.

The "employee number" item stores information indicating the employee number assigned to the service user at the workplace. It is assumed that the employee number will be used as a key to verify the identity of the person making the transfer if there is an error in the transfer.

Information indicating the name of the service user at the workplace is stored in the "Name within the company" field. It is assumed that the name within the company will be used to confirm the account holder designated as the remittance recipient.

The item "Amount to be received (10,000 yen)" stores information indicating the amount of salary that the service user is scheduled to receive from his/her place of work or employer. It is assumed that the received amount is used to adjust the amount in advance so that it does not exceed a predetermined amount.

The item "Bank account for refund" stores information indicating the bank account owned by the service user. The bank account stored in the "Bank account for refund" item will be used if the amount deposited in a single transfer via the transfer payment service exceeds the specified amount, or if the balance of the virtual account after reflecting the deposit amount is the specified amount. If the balance exceeds the predetermined amount, the amount will be refunded in cash equivalent to the amount that exceeds the predetermined amount. Please note that the "workplace/employer" field, "employee number" field, "internal name" field, "amount to be received (10,000 yen)" field, and "refund bank account" field are Information corresponding to the item is stored when the service user applies for the use of a transfer deposit service for receiving salary.

The "service status" item stores information as to whether or not the service user's contract for using the money transfer service is valid. For example, if ``valid'' is stored in the ``service status'' item, it means that the usage contract for the money transfer service remains valid, and ``invalid'' is stored in the ``service status'' item. If it is stored, it means that the usage contract for the money transfer service has been canceled and the usage contract has disappeared.

According to FIG. 9, the account number of the virtual account for transfer that is assigned to the service user identified by the user ID: "U001-1" is "111112", and the name is "Tokyo Kenichi". Yes, the ``bank account for refund'' is ``the ordinary account of Bank D △△ branch *****'', which indicates that the contract for using the money transfer service remains valid. In addition, the account number of the virtual account for salary receipt assigned to the service user identified by the user ID: "U001-2" is "111114", the name is "Tokyo Kenichi", and the "Refund ``Bank account'' is ``Ordinary account of Bank D △△ branch *****'', which indicates that the contract for using the money transfer service has expired.

Note that, as described above, users of the money transfer service may be managed by associating a single user ID with a plurality of purposes of use. FIG. 10 is a diagram illustrating another example of information stored in the user information storage unit according to the embodiment. Unlike the example shown in FIG. 9, the information stored in the user information storage unit 122 shown in FIG. 10 is different from the example shown in FIG. The "transfer deposit" and the virtual account number assigned to each purpose of use are stored.

(About account information storage unit 123)
The account information storage unit 123 stores various types of information (account information) regarding electronic money accounts (payment accounts) owned by service users in electronic payment services. FIG. 11 is a diagram illustrating an example of information stored in the account information storage unit according to the embodiment. As shown in FIG. 11, the account information stored in the account information storage unit 123 includes multiple items such as "Account ID", "Owner ID", "Balance", and "Breakdown". Has items. These items included in the account information are associated with each other.

Identification information for identifying an electronic money account (settlement account) is stored in the "account ID" item. The "owner ID" item stores identification information for identifying the owner of the electronic money account (settlement account) linked to the account ID. The same information as the information stored in the user ID field may be stored in the "owner ID" field.

The "balance" item stores information indicating the money balance (total balance) of electronic money recorded in the electronic money account (settlement account). The “details” item stores information indicating the details of the money balance. Specifically, the "breakdown" item includes a "salary" item and a "non-salary" item. The "salary" item stores information indicating the balance of digital money transferred as salary through a transfer payment service for receiving salary. The "other than salary" item stores information indicating the balance of digital money transferred as non-salary through the transfer payment service.

According to FIG. 11, the owner of the electronic money account identified by “account ID”: “account 001” is the service user identified by owner ID: “U001”, and the money balance is “100, 000'', indicating that all of the details are other than salary.

(Regarding the reference service user information storage unit 124)
The reference service user information storage unit 124 stores information regarding the reference service user of the charge-only account. FIG. 12 is a diagram illustrating an example of information stored in the reference service user information storage unit 124 according to the embodiment.

As shown in FIG. 12, the information stored in the reference service user information storage unit 124 has an item of "company ID" and an item of "purpose of use", and these items are correlated with each other. ing. The information stored in the reference service user information storage unit 124 is registered when a reference service usage contract is concluded. In the example shown in FIG. 6, company ID: "K101" and purpose of use: "receive salary" are associated. The information stored in the reference service user information storage section 124 is used to confirm the above-mentioned inquiry request.

(About the control unit 130)
The control unit 130 is a controller, and for example, various programs stored in the storage device inside the payment server 100 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 130 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 6, the control unit 130 according to the embodiment includes a detection unit 131, a reflection unit 132, a management unit 133, and a return unit 134, and each of these units performs the information processing described below. To realize or carry out the functions and actions of

(About the detection unit 131)
The detection unit 131 detects a service from among a plurality of virtual accounts linked to the same bank account owned by a business operator (a business providing a money transfer service) at a partner bank (an example of a "financial institution"). Detects transfers to dedicated accounts (virtual accounts) individually assigned to each user. When a transfer payment is detected, the detection unit 131 sends information such as the account number indicating the dedicated account (virtual account) where the transfer payment was detected, the account holder of the transfer destination (remittance destination), and the deposit amount to the reflection unit 132. hand it over to

In addition, if the amount of one transfer exceeds a predetermined amount, the detection unit 131 requests the affiliated bank to refuse to accept the transfer.

Further, if the balance of the virtual account after reflecting the deposited amount exceeds a predetermined amount, the detection unit 131 determines that the bank account linked to the service user in advance is the remittance destination, and the balance exceeds the predetermined amount. remit an amount of cash equivalent to that amount.

Furthermore, when the detected transfer money is a pay-in money for receiving a salary, the detection unit 131 may send a confirmation request to the target user to confirm the details of the transfer.

(About the reflection unit 132)
When the detection unit 131 detects a transfer, the reflection unit 132 reflects the transfer against the money balance indicating the balance of electronic money owned by the service user associated with the dedicated account (virtual account) in advance. Reflect the deposit amount.

(About the management department 133)
When the management unit 133 receives a request to create a dedicated account (virtual account) from a service user, the management unit 133 selects any unused virtual account from among the plurality of virtual accounts lent in advance by the partner bank. The selected virtual account is arbitrarily assigned as a dedicated account (virtual account) corresponding to the service user who requested creation, and the account information for identifying the assigned dedicated account (virtual account) and the service user are It is managed in association with unique identification information (for example, user ID).

Further, the management unit 133 may allocate a dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account) (deposit money other than salary, receipt of salary, etc.).

Furthermore, when the purpose of use is not to receive a salary, the management unit 133 may allocate a dedicated account (virtual account) with a preset usage period.

Furthermore, the management unit 133 may manage the money balance linked to the dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account).

The management unit 133 also provides user identification information for identifying a first user (for example, user UX shown in FIG. 5) who is a user of a transfer deposit service that receives transfer funds to a virtual account in digital money. (for example, "user ID") and information on the virtual account assigned to the first user (for example, "virtual account number") are managed in association with each other.

Furthermore, the management unit 133 may individually allocate a user identifier (for example, a "user ID") and a virtual account for each purpose of using the money transfer service.

In addition, the management unit 133 associates virtual account information (virtual account number) allocated to the first user with user identification information (for example, "user ID") for each purpose of use of the money transfer service. It may be managed by

(About the return section 134)
The return unit 134 receives a virtual account corresponding to the first user from a second user (for example, "Company A" shown in FIG. 5) that charges digital money to the first user through transfer to the virtual account. The virtual account information (for example, "virtual account number") associated with the user identification information (for example, "user ID") included in the inquiry request is returned.

Further, the return unit 134 may return information regarding whether or not the first user's contract for using the money transfer service is valid in response to an inquiry from the second user.

In addition, when the virtual account inquiry request includes a user ID and purpose of use, the return unit 134 refers to the reference service user information storage unit 124 and determines whether the sender of the inquiry request is the purpose of use included in the inquiry request. Executes a confirmation process to confirm whether or not the user has a contract for the contract. For example, the return unit registers in the reference service user information storage unit 124 a correspondence between identification information (for example, “company ID”) indicating the sender of the inquiry request and the purpose of use included in the inquiry request. Check to see if there are any. Then, if it is confirmed that the sender of the inquiry request has a contract regarding the purpose of use included in the inquiry request, the return unit 134 refers to the user information storage unit 122 and returns the information included in the inquiry request. A virtual account number associated with the user ID and purpose of use can be obtained.

[3. Processing procedure example]
(3-1. Account assignment processing)
An example of the processing procedure in the payment server 100 according to the embodiment will be described below. FIG. 13 is a flowchart illustrating an example of a procedure for account assignment processing executed by the payment server according to the embodiment.

As shown in FIG. 13, the management unit 133 receives a request to create a dedicated account for the money transfer service (step S101). In addition, the management unit 133 receives necessary information for account creation in conjunction with the reception of the dedicated account creation request (step S102).

The management unit 133 also sends a virtual account arbitrarily selected from among the plurality of unused virtual accounts stored in the virtual account information storage unit 121 to the service user who requested the creation. (step S103).

The management unit 133 also stores user information by associating the account information for identifying the dedicated account (virtual account) assigned in step S103 with identification information unique to the service user (for example, user ID). 122 (step S104).

Furthermore, the management unit 133 notifies the service user who requested the creation of the information regarding the created account (step S105), and ends the processing procedure shown in FIG. 13.

(3-2. Transfer payment reflection process)
FIG. 14 is a flowchart illustrating an example of a processing procedure of a transfer payment reflection process executed by the payment server according to the embodiment.

As shown in FIG. 14, the detection unit 131 detects a transfer to a bank account linked to a virtual account (dedicated account) (step S201).

The reflection unit 132 confirms the transfer details detected in step S201 (step S202). Then, the reflection unit 132 executes processing according to the transfer details confirmed in step S202 (step S203), and ends the processing procedure shown in FIG. 14.

(3-3. Processing of corporate services)
FIG. 15 is a sequence diagram showing the processing flow of the corporate service according to the embodiment. In addition, in FIG. 15, the flow of processing between the company server 30 managed by company A and the payment server 100 will be described as an example of a service for corporations.

As shown in FIG. 15, the company server 30 transmits an inquiry request for the virtual account corresponding to the user to whom the payment will be made to the payment server 100 (step S301).

Upon receiving the inquiry request from the company server 30, the payment server 100 refers to the user information storage unit 122 and acquires the virtual account number associated with the user ID included in the inquiry request (step S302). .

Furthermore, the payment server 100 returns the acquired virtual account number to the company server 30 (step S303).

Upon receiving the virtual account number from the payment server 100, the company server 30 performs a bank transfer from the financial institution account owned by company A, using the received virtual account number as the transfer destination (step S304).

The payment server 100 executes a process of detecting a transfer from company A (step S305). Furthermore, when the payment server 100 detects a transfer payment, it executes a process to confirm the transfer details (step S306), and according to the confirmation result of the transfer details, a charging process (balance addition) to reflect the deposited amount of the transfer payment. (Step S307).

[4. Modified example]
(4-1. Regarding recycling of virtual accounts)
In the above-described embodiment, the payment server 100 cancels the allocation of the dedicated account (virtual account) that is in use and does not allow the use of the transfer deposit service for a certain period of time to the service user. It may be in an unused state. Further, the payment server 100 may cancel the allocation only for dedicated accounts (virtual accounts) that are in use for transfer services other than salary.

(4-2. Regarding the configuration of information processing system 1)
In the above-described embodiment, an example has been described in which the payment server 100 included in the information processing system 1 performs processing related to an electronic payment service as well as processing related to a transfer payment service. However, the configuration of the information processing system 1 according to the embodiment does not need to be particularly limited to such an example, and the server device that performs processing related to the electronic payment service and the server device that performs processing related to the money transfer service may be configured. , may be physically different individual servers, or may be server devices belonging to different systems. In this case, the respective server devices are communicably connected to each other so that they can exchange information necessary for their respective processes.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, the processes described as being performed automatically can be performed manually. All or part of the processing can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, the payment server 100 according to the embodiment includes the management section 133 and the return section 134. The management unit 133 includes user identification information for identifying a first user who is a user of a first service that receives transfer funds to a virtual account in digital money, and a virtual account assigned to the first user. Manage the information by associating it with the information. The return unit 134 receives an inquiry request for a virtual account corresponding to the first user from a second user who is a user of a second service that charges digital money to the first user through transfer to a virtual account. The inquiry request is accepted and virtual account information linked to the user identification information included in the inquiry request is returned.

In this way, the payment server 100 according to the embodiment can realize information processing that allows company A to charge electronic money to user UX using only the user ID obtained from user UX. As a result, the payment server 100 can realize a service that allows electronic money to be transferred from a corporation to an individual without the need for establishing a corporate account or building a system, thereby enhancing the electronic money remittance service. . In addition, since the payment server 100 only exchanges user IDs between the corporation that is the transfer source and the individual who is the transfer destination, it is possible that the transfer will be made to the wrong destination due to a mistake in specifying the transfer destination information by the user UX. It is possible to avoid a situation where a deposit is made.

Furthermore, in the payment server 100 according to the embodiment, the management unit 133 individually allocates user identification information and virtual accounts for each purpose of use of the first service. For this reason, the payment server 100 can realize charging for each purpose of use with a simple scheme.

Furthermore, in the payment server 100 according to the embodiment, the management unit 133 manages information on a virtual account assigned to a first user in association with the user identification information for each purpose of use of the first service. . When the inquiry request includes the user identification information and the purpose of use, the return unit 134 returns virtual account information associated with the user identification information and the purpose of use. For this reason, the payment server 100 according to the embodiment can reduce the possibility that an error in the transfer destination will occur.

In addition, in the payment server 100 according to the embodiment, the return unit 134 confirms that the second user who is the source of the inquiry request has a contract regarding the purpose of use included in the inquiry request. Execute subsequent processing as a condition. For this reason, the payment server 100 according to the embodiment can further reduce the possibility that an error in the transfer destination will occur.

Furthermore, in the payment server 100 according to the embodiment, the return unit 134 returns information regarding whether or not the first user's usage contract for the first service is valid in response to an inquiry from the second user. do. For this reason, the payment server 100 can support company A in preventing the company A from executing a transfer payment to a user UX whose usage contract for the transfer payment service is invalid.

[6. Hardware configuration]
Further, the payment server 100 according to the present embodiment described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. 16. FIG. 16 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

The computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 connected by a bus 1090. has.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 in various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD, a flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a monitor or a printer. This is realized using a connector compliant with standards such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output IF 1060 and input IF 1070. For example, the arithmetic device 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.

For example, when the computer 1000 functions as the payment server 100, which is an example of the information processing device according to the present embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. By executing the above, functions similar to those of the control unit 130 are realized. That is, the arithmetic device 1030 realizes the processing by the payment server 100 according to the present embodiment in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.
[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations may be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configuration of the payment server 100 described above can be changed flexibly, such as implementing some functions by calling an external platform using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

1 Information processing system 10 User terminal 20 Bank server 30 Company server 100 Payment server 110 Communication unit 120 Storage unit 121 Virtual account information storage unit 122 User information storage unit 123 Account information storage unit 124 Reference service user information storage unit 130 Control Section 131 Detection section 132 Reflection section 133 Management section 134 Return section

Claims (8)

User identification information for identifying a first user who is a user of a first service that receives transfer funds to a virtual account in digital money, and information on a virtual account assigned to the first user. A management unit that manages the correspondence and a second user who is a user of a second service that charges digital money to the first user through transfer to the virtual account to the first user. a return unit that receives a virtual account inquiry request and returns virtual account information linked to the user identification information included in the inquiry request;
The management department is
When applying for the use of the first service, predetermined information according to the purpose of use of the first service is acquired from the first user, and managed in association with the user identification information,
If the purpose of use is to receive a salary transfer, the information processing device may determine whether the information indicating the remittance source included in the contents of the salary transfer is different. An information processing device characterized in that information about a place of work or an employer of the first user indicating the information is acquired from the first user, and is managed in association with the user identification information . The management department is
Information on bank accounts for refunds for refunding cash exceeding a predetermined amount out of the amount deposited into the virtual account to the first user is obtained for each of the purposes of use, and The information processing device according to claim 1, wherein the information processing device is managed in association with user identification information. The management department is
The information processing apparatus according to claim 1 or 2, wherein the user identification information and the virtual account are individually allocated for each purpose of use of the first service. The management department is
Information indicating each of the plurality of usage purposes in association with the user identification information common to the usage purposes of the plurality of first services, and the first user for each of the plurality of usage purposes. manage information on multiple virtual accounts that are individually assigned to
The return department is
Claim 1 or 2, characterized in that when the inquiry request includes the user identification information and the purpose of use, information on the virtual account that is associated with the user identification information and the purpose of use is returned. 2. The information processing device according to 2. The return department is
The subsequent processing is performed on the condition that it is confirmed that the second user who is the source of the inquiry request has a contract regarding the purpose of use included in the inquiry request. The information processing device according to claim 4. The return department is
Claim 1 or 2, characterized in that, in response to an inquiry from the second user, information regarding whether or not the first user's usage contract for the first service is valid is returned. The information processing device described in . The computer is
User identification information for identifying a first user who is a user of a first service that receives transfer funds to a virtual account in digital money, and information on a virtual account assigned to the first user. a management process for managing in association with each other; a second user who is a user of a second service that charges digital money to the first user through transfer to the virtual account; a return step of receiving a virtual account inquiry request and returning virtual account information linked to the user identification information included in the inquiry request;
The management process is
When applying for the use of the first service, predetermined information according to the purpose of use of the first service is acquired from the first user, and managed in association with the user identification information,
If the purpose of use is to receive a salary transfer, the information processing device may determine whether the information indicating the remittance source included in the contents of the salary transfer is different. An information processing method characterized in that information about the workplace or employer of the first user indicating the information is acquired from the first user and is managed in association with the user identification information . to the computer,
User identification information for identifying a first user who is a user of a first service that receives transfer funds to a virtual account in digital money, and information on a virtual account assigned to the first user. A management procedure that is managed in correspondence with the first user from a second user who is a user of a second service that charges digital money to the first user through transfer to the virtual account. receiving a virtual account inquiry request made by the user, and returning virtual account information linked to the user identification information included in the inquiry request;
The management procedure is
When applying for the use of the first service, predetermined information according to the purpose of use of the first service is acquired from the first user, and managed in association with the user identification information,
If the purpose of use is to receive a salary transfer, the information processing device may determine whether the information indicating the remittance source included in the contents of the salary transfer is different. An information processing program characterized in that information about a place of work or an employer of the first user indicating the information is acquired from the first user, and is managed in association with the user identification information .

Images