JP7212186B1 - Information processing system, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to provide a mechanism for guaranteeing the balance of digital money received as salary. SOLUTION: An information processing device according to the present application sends predetermined information on a salary balance to be guaranteed to a business operator that provides a guarantee service that guarantees a salary balance, which is a digital money balance corresponding to a user's salary. It has a providing unit that provides at the timing of [Selection drawing] Fig. 4

Description

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

Traditionally, cashless payment methods for commercial transactions between companies and individuals have been widely recognized by consumers. Electronic payment services that are performed are becoming widely popular among consumers.

In recent years, the government has been considering the introduction of so-called "digital payment of salaries," in which salaries are paid using digital money such as electronic money and virtual currency, in such electronic payment services. Further spread is expected.

JP 2007-328549 A

However, conventional techniques have room for improvement in promoting the use of services related to digital money. For example, if a company that operates a service for "digital payment of salaries" goes bankrupt, service users will not be able to use the digital money received as salaries. Since salaries are living expenses for service users, there is a need for a mechanism to avoid a situation in which they cannot be used due to the bankruptcy of the service provider.

The present application has been made in view of the above, and aims to provide an information processing system , an information processing method, and an information processing program that can provide a mechanism for guaranteeing the balance of digital money received as salary. .

The information processing device according to the present application provides information on the salary balance to be guaranteed to a business operator that provides a guarantee service that guarantees the salary balance, which is the digital money balance corresponding to the user's salary, at a predetermined timing. It has a provider that provides.

Further, the information processing device according to the present application provides a security deposit equivalent to the salary balance to an account of a financial institution registered in advance by the user of the guarantee service that guarantees the salary balance, which is the digital money balance corresponding to the salary. It has a remittance processing unit that executes remittance processing.

According to one aspect of the embodiment, it is possible to provide a mechanism for guaranteeing the balance of digital money received as salary.

FIG. 1 is a diagram showing an overview of information processing according to this embodiment. FIG. 2 is a diagram showing an overview of information processing according to this embodiment. FIG. 3 is an explanatory diagram for explaining an example of a salary balance guarantee mechanism according to the present embodiment. FIG. 4 is a block diagram showing a configuration example of the provider Y system according to this embodiment. FIG. 5 is a block diagram showing a configuration example of the warranty service provider system according to this embodiment. FIG. 6 is a diagram showing an outline of account information according to this embodiment. FIG. 7 is a diagram showing an outline of charge instruction information according to the present embodiment. FIG. 8 is a diagram showing an overview of account information stored in the account information storage unit according to this embodiment. FIG. 9 is a diagram showing an overview of charge histories stored in the charge history storage unit according to the present embodiment. FIG. 10 is a sequence diagram showing the overall flow of processing in the information processing system according to this embodiment. FIG. 11 is a flow chart showing an example of the processing procedure of the service providing apparatus according to this embodiment. FIG. 12 is a diagram illustrating a configuration example of a service providing device according to a modification. FIG. 13 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to the present embodiment or modifications.

Embodiments for implementing an information processing system , an information processing method, and an information processing program according to the present application (hereinafter referred to as "present embodiments") will be described in detail below with reference to the drawings. Note that the information processing system , information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Example of information processing according to the present embodiment]
An example of information processing according to the present embodiment will be described below with reference to FIGS. 1 and 2. FIG. 1 and 2 are diagrams showing an overview of information processing according to the present embodiment.

As shown in FIG. 1, the information processing system SYS according to the present embodiment includes a business operator X system SYS-1, A bank system SYS-2, B bank system SYS-3, and business operator Y system SYS-4. including. Note that FIG. 1 shows an example of the information processing system SYS according to the present embodiment, and may include a business management system operated and managed by another business operator not shown in FIG.

In the following explanation, Business X System SYS-1 is described as Business X, A Bank System SYS-2 is described as "A Bank", and B Bank System SYS-3 is described as "B Bank". may explain.

Operator X system SYS-1, A bank system SYS-2, B bank system SYS-3, and operator Y system SYS-4 are connected to network N-1 (see, eg, FIG. 3). Operator X system SYS-1, A bank system SYS-2, B bank system SYS-3, and operator Y system SYS-4 can communicate with each other through network N-1.

The business operator X system SYS-1 is, for example, a business management system operated and managed by a business operator X running a predetermined business. The provider X system SYS-1 is realized by, for example, a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation. In addition, instead of the operator X system SYS-1, the operator X may, for example, use a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant ) or an information processing device such as a wearable terminal.

Further, when the operator X system SYS-1 receives control information for realizing predetermined information processing from the operator Y system SYS-4, the operator X system SYS-1 realizes information processing according to the control information. Here, the control information includes, for example, 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), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Incidentally, in this embodiment, the predetermined application itself distributed from the provider Y system SYS-4 may be regarded as the control information.

A Bank System SYS-2 is a banking system operated and managed by A Bank, one of Business Operator X's banks. The A bank system SYS-2 is realized, for example, by a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

The B bank system SYS-3 is a bank system operated and managed by B bank, which is one of the trading banks of business operator Y, which will be described later. The B bank system SYS-3 is implemented, for example, by a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

For example, A bank system SYS-2 and B bank system SYS-3 store information on withdrawals from bank accounts by card companies and various service providers (for example, debited amounts, date and time of withdrawal, etc.) and current account information (account balance, etc.) are associated with the bank user and managed. A bank user may be a service user of various services related to digital money provided by the business operator Y.

Business operator Y system SYS-4 is a business management system operated and managed by business operator Y, which runs a business that provides various services related to digital money. The business operator Y system SYS-4 includes a management system 100 that manages the balance of digital money, a charging system 200 that executes digital money charging processing, and a service providing device 300 that is an example of an information processing device according to the present embodiment. including. Note that FIG. 1 shows an example of the operator Y system SYS-4, which includes payment means and a payment system (for example, a server device) that executes payment processing in a payment service, although the explanation is omitted. may

The management system 100, charging system 200, and service providing device 300 are realized by a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like.

The management system 100 manages deposits and withdrawals of digital money accounts (hereinafter referred to as “money accounts”) owned by each service user in order to use the electronic payment service provided by the business operator Y. Service users may include business users such as business operators who provide transaction objects, and individual users such as general consumers who receive transaction objects from business operators.

The charging system 200 implements money charging by transferring digital money between money accounts in accordance with charging instructions from service users. In addition, digital money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen and the dollar. good.

The service providing device 300 cooperates with the above-described management system 100 and charging system 200 to execute processing related to various services related to digital money (electronic money) provided by the business operator Y to service users.

The various services described above are not limited to those for providing consideration for the purchase of goods or the provision of services (settlement of obligations), such as settlement means and settlement services. For example, the various services described above may have functions related to remittances between accounts owned by multiple users. In other words, the various services described above may include services that control transmission and reception of digital money between accounts of any owner linked to the owner of digital money, such as service users and shops. In other words, the various services according to the present embodiment include various controls for realizing the exchange of digital money (not only control of various inter-account remittances via electronic money, but also control related to exchanges between an electronic money account and a bank account). , division, various credit processing such as processing accompanying bonus payments, and other various controls related to the exchange of property including electronic money) may be provided in any form. . In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or may include only one of them. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. That is, the service providing device 300 may be an information processing device such as a server device that realizes transaction means for controlling the exchange of electronic money between arbitrary owners.

In addition, the various services related to digital money provided by business operator Y include a corporate account service that provides service users with a corporate account that is linked one-to-one with the account held by business operator Y, and a digital money service. and a money charge service for charging a predetermined account. These services are provided in an integral combination.

A corporate account includes a main wallet and a sub-wallet linked to the corporate account given to the service user. The main wallet accepts deposits of digital money (addition of balance) and withdrawals of digital money (withdrawal of balance). The sub-wallet accepts the allocation of the scheduled charging amount to be applied to the charging instruction transaction according to the charging instruction from the service user. It should be noted that the allocation to the charge instruction transaction is performed, for example, on a transaction-by-transaction basis. A charge transaction unit means a unit of money charge service linked to a sub-wallet in a corporate account. Specifically, it is assumed that the charge instruction is sent to the service system to which the sub-wallet is connected (for example, the service system that provides the money charge service linked to the sub-wallet). In other words, it is assumed that the service system side receives the charge instruction and appropriates the charge instruction transaction within the sub-wallet. Therefore, before this action (the action to apply the charge instruction transaction in the sub-wallet), the target amount (the amount specified in the charge instruction) will be transferred (assigned) from the main wallet to the sub-wallet. . Along with this, instructions for depositing funds to be applied to charge instruction transactions are also made on a charge transaction basis.

There are various types of money charge services, such as a service where service users pay salaries to employees with digital money, and a service where service users pay expenses such as business trip expenses and food and drink expenses to employees with digital money. Money charge service is prepared. Service users can appropriately select and use various money charge services. The money charge service selected by the service user is tied to the corporate account provided to the service user.

In the following, the information processing executed by the operator Y system SYS-4 will be described with reference to a case where the operator X is a service user of the service provided by the operator Y. FIG.

As shown in FIG. 1, business operator X operates business operator X system SYS-1 to transmit a charge instruction to business operator Y system SYS-4 (step S1).

The recharge instruction transmitted by the business operator X is composed of items of "charging destination ID", "scheduled amount", "scheduled date", and "nominal". Information indicating the account of the charge destination is recorded in the item of "charging destination ID". Information indicating the scheduled charging amount to the charging destination is recorded in the item of "scheduled amount". Information indicating the scheduled date of charging to the charging destination is recorded in the “scheduled date” item. Information indicating the name of the charge is recorded in the item of "name".

The charging instructions illustrated in FIG. 1 include three charging instructions. For example, the first charge instruction is an account: "U#001" as the charge destination, the charge is called "salary", and the scheduled charge date is "2021 (year) / 9 (Monday) / 27 (Sunday) , and the scheduled charge amount is specified as "300,000 yen". In addition, the second charge instruction is to charge the account "U#002" under the name of "salary" and set the scheduled charge date to "2021 (year) / 9 (Monday) / 27 (Sunday)" , and the scheduled charge amount is specified as "300,000 yen". In addition, the third charge instruction is to charge the account "U#003" under the name of "expenses" and set the scheduled charge date to "2021 (year) / 9 (Monday) / 30 (Sunday) , and the scheduled charge amount is specified as "400,000 yen". Although FIG. 1 shows an example in which business operator X requests money charge for a plurality of names with one charge instruction, business operator X may request money charge for each name individually.

On the other hand, when the service providing device 300 receives the charging instruction from the business operator X, it registers the received charging instruction in the charging system 200 (step S2). The service providing device 300 can temporarily hold the charge instruction of the business operator X until the charge system 200 processes the charge instruction.

Further, in response to receiving the charge instruction, the service providing device 300 (business operator Y) selects the one-time account lent by the business operator Y from Bank B as the deposit destination of funds to be allocated to the charge instruction transaction. The information (account number) is notified to the operator X, which is the source of the charge instruction. At this time, the service providing device 300 (business operator Y) associates the account number of the one-time account with the main wallet of the business operator X in advance. Note that the one-time account is a virtual account of business operator Y who has a contract under the name of business operator Y. By using this one-time account, it is possible to deposit the balance, which is the source of funds for the charging instruction transaction, by bank transfer. In addition, as a result of using the one-time account, business operator Y can easily identify the deposit of funds corresponding to the charge instruction, and can make the reconciliation work more efficient. Business operator Y issues an electronic invoice for notifying business operator X of the total planned charge amount specified in the charge instruction as the amount of money required for money charge. may include one-time account information. In addition, if business operator Y can borrow multiple one-time accounts from Bank B, business operator Y may notify business operator X of information on different one-time accounts for each name included in the charge instruction. . At this time, the business operator Y uses a one-time account as a deposit destination of the funds to be used for the charge instruction transaction, depending on the specified name (e.g., salary) included in the charge instruction and other items, You may notify the information of each different account. Here, the service providing apparatus 300 selectively uses the one-time account and the sub-wallet for each service. For example, when the name of the charge instruction is salary (when using the salary charge service), the service providing device 300 uses the one-time account AC-1 and sub-wallet WR-1, and the name of the charge instruction is other than salary. If the purpose is Q, one-time account AC-2 and sub-wallet WR-2 will be used, and if the charge instruction is for purpose R other than salary, one-time account AC-2 and sub-wallet WR-3 will be used. use. In other words, if the charge instruction is for a purpose other than salary, the same one-time account AC-2 is used.

On the other hand, after transmitting the charge instruction, business operator X transmits an instruction to deposit the funds to be used for the charge instruction transaction to bank A's system SYS-2 through business operator X system SYS-1 (step S3). . The deposit instruction includes an account number (for example, "OBAC#111") for identifying the one-time account of Bank B notified by business operator Y as a deposit destination, and a deposit amount (for example, "1,000,000 yen") information. In FIG. 1, business operator X collectively deposits the total planned charge amount corresponding to multiple names included in the charge instruction as the resource (total amount of planned charge amount) to be allocated to the charge instruction transaction. shows an example in which a deposit instruction is sent. In addition, when the business operator X issues a charge instruction for each charge name, the business operator X may sequentially deposit funds (total planned charge amount) to be allocated to the charge instruction transaction for each charge instruction. For example, business operator X, after issuing a recharge instruction with salary as the nominal, issues a deposit instruction for depositing funds (for example, "600,000 yen") to be applied to a recharge instruction transaction with salary as the nominal. may be sent. In addition, for example, business operator X issues a charge instruction under the name of expenses separately from the charge instruction under the name of salary. A deposit instruction for depositing funds (for example, "400,000 yen") to be appropriated to the company may be transmitted.

In addition, business operator Y makes a contract with each service user, including business operator X, to make them comply with the procedure of charge instruction (step S1) → payment instruction (step S3) when using the money charge service. may be exchanged, or a terms of use may be established and the consent of each service user may be obtained. As a result, as will be described later, when the balance of digital money corresponding to the funds deposited by business operator X is managed in business operator Y system SYS-4, the use of this digital money balance can be clarified.

On the other hand, A Bank System SYS-2 of Bank A, according to the deposit instruction received from Business Operator X, converts the amount specified in the deposit instruction (for example, "1,000,000 yen") to the amount specified in the deposit instruction. Deposit money into a one-time account (for example, "OBAC#111") (step S4).

On the other hand, when Bank B's system SYS-3 of Bank B confirms that the payment has been made from Business X to the one-time account number lent to Business Y, A receipt notice for notifying Y is sent to the business operator Y system SYS-4 (step S5).

In addition, Bank B lends an account in the name of business operator Y to business operator Y as a deposit destination of funds to be used for charging instruction transactions, in addition to the one-time account lent to business operator Y. In addition, some of the accounts lent by B bank to business operator Y have a revolving pledge. This is to compensate for the salary of service user U by setting a revolving pledge on the funds deposited in the account of business operator X under the name of salary when business operator Y goes bankrupt. measures. When Bank B confirms the payment to the one-time account nominated as salary (corresponding to the recharge instruction transaction nominated as salary), Bank B notifies Business Y of the deposit, and then clears the balance of this one-time account. The money is automatically transferred to an account in the name of business operator Y, in which a revolving pledge is set, and managed. In addition, when Bank B confirms the payment to the one-time account with a nominal name other than salary (corresponding to the charge instruction transaction with a nominal name other than salary), Bank B notifies Business Y, and then is automatically transferred to an account in the name of business operator Y, where a revolving pledge is not set, and managed. As a result, the service providing apparatus 300 can provide stable services while indirectly protecting deposits deposited by the business operator X in an account in the name of the business operator Y under a predetermined name (for example, salary). As a result, it is possible to lower the psychological hurdles for the service provider X to use the service, and to promote the use of services related to digital money.

On the other hand, when receiving the deposit notification from Bank B, the management system 100 adds a predetermined balance corresponding to the amount notified by the deposit notification to the main wallet of the operator X (step S6). For example, when the management system 100 receives a deposit notification that "1,000,000 yen" has been deposited into a one-time account with an account number of "OBAC#111", the management system 100 associates it with the one-time account. The main wallet is specified, and the balance of "1,000,000 yen" is added (booked) to the specified main wallet. In addition, the management system 100 adds the balance of digital money equivalent to "1,000,000 yen" to the money account linked to the main wallet. Note that the management system 100 may notify the service providing device 300 that addition (booking) of the balance to the main wallet has been completed.

On the other hand, after the charge instruction is received from the business operator X, the service providing device 300 allocates the scheduled charge amount to the sub-wallet on the condition that the deposit of funds for the charge instruction transaction is confirmed. (step S7). For example, the service providing device 300 allocates the scheduled charge amount specified in the charge instruction from the predetermined balance added to the main wallet to the sub-wallet corresponding to the name of the charge specified in the charge instruction, Go to sub-wallet. A sub-wallet is individually provided corresponding to the money charge service used by business operator X.

Specifically, the service providing device 300 adds (books) a predetermined balance corresponding to the above-mentioned source funds to the main wallet linked to the one-time account for which the payment notification has been received. Then, the above-mentioned scheduled charge amount is allocated from the predetermined balance to the above-mentioned sub-wallet. Specifically, in the example shown in FIG. 1, the service providing apparatus 300 transfers the balance of "1,000,000 yen" added to the main wallet to "600,000 yen" to the sub-wallet for salary money charge. 400,000 yen is allocated to the sub-wallet for expense money charge. In this way, the service providing device 300 can ensure the clarity of the use of the money allocated to the sub-wallet by handling the balance after the charge instruction is accepted.

On the other hand, the charging system 200 refers to the sub-wallet at a predetermined cycle T1, and if allocation to the sub-wallet can be confirmed, the scheduled charging amount allocated to the sub-wallet is applied to the charging instruction transaction ( step S8). Specifically, the charge system 200 applies the balance of the main wallet to the scheduled charge amount in order from the charge instructions with the closest scheduled charge date.

For example, in the example shown in FIG. 1, the charge system 200 responds to a charge instruction with a nominal salary whose scheduled charge date is "2021 (year)/9 (Mon)/27 (Sun)" and the scheduled charge amount will be allocated first. Here, if it is found that the balance of the main wallet is less than the planned charge amount, the charge system 200 suspends the allocation to the charge instruction and notifies the operator that the balance of the main wallet is insufficient. You can notify X. In addition, after allocating the scheduled charging amount to the charging instruction, the charging system 200 locks the amount corresponding to the scheduled charging amount out of the digital money balance of the money account linked to the main wallet, making it immovable until charging is executed. state.

Also, the charging system 200 performs charging according to the charging instruction of the business operator X (step S9). Specifically, the charging system 200 identifies a money account linked to the account to be charged from among the money accounts managed by the management system 100, and assigns the identified money account to the corporation of business operator X. Transfer the digital money corresponding to the planned charge amount from the money account linked to the account.

For example, the charge system 200 charges the money account associated with the charge destination account: "U#001" on the scheduled charge date "2021 (Monday)/September (Monday)/27 (Sunday)". Transfer planned charge amount: “200,000 yen” worth of digital money from the money account of business operator X, which is the source. In addition, the charging system 200 charges the money account linked to the charging destination account: "U#002" on the scheduled charging date "2021 (Monday) / 9 (Monday) / 30 (Sunday)". The planned charge amount: "250,000 yen" worth of digital money is transferred from the money account of business operator X, which is the source.

The service providing device 300 distributes the balance of the main wallet that has not been allocated to the charge instruction transaction according to a predetermined payout cycle within a range that allows compliance with retention regulations stipulated by laws and regulations (for example, the Funds Settlement Act). Pay out to person X (step S10). For example, the service providing device 300 sends the remaining balance not allocated to the charge instruction transaction out of the predetermined balance added to the main wallet as the source of the digital money to be used for the charge instruction transaction to the business operator X. refund.

Specifically, the service providing device 300 confirms the payout cycle of the business operator X at a predetermined cycle T2 defined in advance. Check the balance of the money account linked to. Then, if there is an unappropriated balance in the money account that has not been applied to the charge instruction transaction, the service providing device 300 notifies Bank B of the amount equivalent to the balance of the money account of business operator X. Send deposit instructions. The deposit instruction includes account information (account number) indicating the payee of the balance and information on the amount of deposit (information on the amount corresponding to the balance). Further, the service providing device 300 transmits an update instruction to the management system 100 to update the balance of digital money in the money account of the business operator X to "0 yen".

Bank B deposits the amount specified in the deposit instruction (for example, the amount corresponding to the balance) according to the deposit instruction from business operator Y, using the account information (account number) specified in the deposit instruction as the deposit destination. Bank B may send a notification that the deposit has been completed to Business Y System SYS-4.

In addition, the management system 100 updates the balance of digital money in the money account of the business operator X according to the update instruction from the service providing device 300 . In this way, the business operator Y system SYS-4 pays out to the business operator X the balance left in the main wallet that has not been applied to the charging instruction transaction.

As described above, in the operator Y system SYS-4, the service providing device 300, which is an example of the information processing device according to the present embodiment, uses the balance left in the main wallet without being appropriated for the charge instruction transaction. Pay out to person X. As a result, the service providing apparatus 300 can provide various services related to digital money to service users while complying with the stay regulation, and promote the use of services related to digital money.

In addition, the business operator Y system SYS-4 can provide detailed information related to charging of digital money executed in response to a charging instruction in response to a request from a service user.

For example, as shown in FIG. 2, business operator X using the money charge service transmits a charge statement request for requesting detailed information on the charge to business operator Y system SYS-4 (step S11 ). FIG. 2 shows an example in which business operator X requests detailed information corresponding to the charge instruction for “2021 (year)/9 (Mon)/23 (Sun)”. It is also possible to collectively request the detailed information of

When the service providing device 300 of the business operator Y system SYS-4 receives the charge statement request from the business operator X, based on the user ID included in the charge statement request, it acquires the statement information corresponding to the charge statement request (step S12). Then, the service providing device 300 transmits the acquired detailed information to the business operator X system SYS-1 and provides the detailed information (step S13).

As shown in FIG. 2, the detailed information provided to the business operator X is composed of, for example, three pieces of detailed information: detailed information J1, detailed information J2, and detailed information J3. The detailed information J1 records information from the deposit of funds corresponding to the charge instruction to the payout of the balance that was not appropriated to the charge instruction transaction.

For example, as shown in FIG. 2, the detailed information J1 includes the deposit date when the funds to be used for the charging instruction transaction were deposited into Bank B, the deposit amount of the funds, the balance payout date, and the balance payout date. Contains monetary information. In the case shown in Fig. 2, since the payout amount is 0 yen, the date recorded on the payout date "2021 (year)/10 (Mon)/1 (Sun)" is the process of checking the balance of the main wallet. It corresponds to the date on which the

Further, for example, as shown in FIG. 2, the detailed information J2 includes the allocation date when the scheduled charge amount from the predetermined balance added to the main wallet was allocated to the sub-wallet, the allocation amount indicating the scheduled charge amount, It contains the nominal information of the charge.

Further, for example, as shown in FIG. 2, the detailed information J3 includes information on the date on which the scheduled charge amount allocated to the sub-wallet was applied to the charge instruction transaction and the date on which the charge was executed. is

In this way, business operator Y can provide business operator X, who is a service user, with detailed information that enables a detailed grasp of the flow of deposits and withdrawals related to charge instructions. As a result, it is possible to promote the use of services related to digital money.

An example of a mechanism for guaranteeing a salary balance corresponding to a salary transferred to a service user with digital money using a salary charge service will be described below with reference to FIG. FIG. 3 is an explanatory diagram for explaining an example of a salary balance guarantee mechanism according to the present embodiment.

(Example of system configuration)
The information processing system SYS shown in FIG. SYS-AS and warranty service provider system SYS-G are included. These devices and systems are wired or wirelessly connected to a network N-1 (see, eg, FIG. 4). These devices and systems can communicate with each other through network N-1.

The ATM service provider system SYS-AS is operated and operated by a provider AS that provides a service user U with a service for freely withdrawing digital money transferred as a salary through an ATM (Automatic Teller Machine), for example. It is a managed information processing system. The ATM service provider system SYS-AS is implemented by, for example, a server device. For example, the ATM dispenses cash specified by the service user U according to the operation by the service user U.

The guarantee service provider system SYS-G is an information processing system operated and managed by a provider G that provides a guarantee service for guaranteeing the salary balance corresponding to the salary transferred to the service user U by digital money. be. The warranty service provider system SYS-G is implemented by, for example, a server device. The guarantee service provider system SYS-G executes remittance processing for remittance of a security deposit equivalent to the salary balance to the service user U, for example, when the provider Y providing the salary charge service goes bankrupt.

(Contractual relationship)
In the case shown in FIG. 3, the business operator Y who manages the service providing apparatus 300 concludes a salary charge-related contract with the service user U on the condition that the service user agrees to the service use contract. In addition, business operator Y obtains consent from service user U to the agreement regarding ATM withdrawal. In addition, the business operator Y acts as an intermediary between the service user U and the business operator G to conclude a service contract for guaranteeing the balance of salary. Note that the business operator Y and the business operator G may be the same business operator. For example, the business operator G may be a financial institution such as a bank, and may also serve as the business operator G that provides the guarantee service. The service user U can conclude a contract for using the warranty service provided by the business operator G with the business operator Y as the point of contact.

Further, when receiving a request for use of the warranty service from the service user, the business operator Y can provide the user information required for the contract for using the guarantee service to the business operator G, which provides the guarantee service. The user information provided by the business operator Y to the business operator G includes account information of a financial institution preset by the user of the guarantee service as a transfer destination of the security deposit corresponding to the salary balance.

In addition, business operator Y concludes a contract with B bank for using a Ytime account for depositing funds for salaries to be charged to service user U with digital money. In addition, business operator Y concludes an agency contract for guarantee service of the balance of salary with business operator G, which provides the guarantee service. In accordance with this contract, business operator Y pays a fee (guarantee fee) for the use of the guarantee service to business operator G who provides the guarantee service. In addition, at the time of conclusion, the account number to which the funds used as the source of the guarantee will be deposited will be shared from Business Y to Business G, so that Business G will be able to use the account that will be used as the source of funds in the event of Business Y's bankruptcy. You will have a number.

In the case shown in FIG. 3, the business operator Y who manages the service providing device 300 concludes a withdrawal service usage contract with the business operator AS which operates and manages the ATM service provider system SYS-AS. . According to this contract, business operator Y pays business operator AS a fee for ATM withdrawals.

In the example shown in FIG. 3, it is assumed that Bank B and Business Operator G are in a cooperative relationship, but Bank B and Business Operator G may be the same business operator. That is, Bank B may also serve as the business operator G that provides the guarantee service. In this case, it becomes possible for Bank B to set a revolving pledge on the balance of the deposit aggregation account in the name of business operator Y into which the funds for the salary charge described below are deposited.

(Regarding the flow of funds)
As described above, the service providing apparatus 300 accepts payment of a recharge request amount from the business operator X through the business operator X's corporate account. The deposit for the recharge request from Business Operator X goes into the parent account of the one-time account that is the deposit aggregation account of B Bank System SYS-3 (for example, the account in the name of Business Operator Y (root pledge) shown in FIG. 1). . Further, when there is a recharge request from the business operator X, the service providing device 300 links the salary balance to the user account of the service user U in response to the payment notification associated with the payment to the parent account of the business operator X. charge (salary money charge). Further, as described above, the service providing apparatus 300 refunds the retained balance to the business operator X through the business operator X's corporate account.

When the guarantee service provider system SYS-G concludes a contract for guarantee service agency of the salary balance with business operator Y, the parent account of the one-time account that is the deposit aggregation account is sent to Bank B. to set up a root pledge. As the account number of the parent account, the account number shared by the business operator Y and stored in the system in association with the business operator Y is used. Business operator G, which operates the guarantee service operator system SYS-G, uses the balance of the parent account for which the revolving pledge has been set by B bank as collateral to execute the guarantee service.

With the start of the guarantee service, the service providing device 300 provides the service user U with a guarantee service that guarantees information such as the salary balance, which is the digital money balance corresponding to the salary, to the service provider G that is guaranteed. Information on salary balance is provided at a predetermined timing. For example, the service providing apparatus 300 aggregates the salary balance of each service user at a predetermined timing by batch processing or the like, and transmits the aggregated balance information to the guarantee service provider system SYS-G.

The guarantee service provider system SYS-G is a digital money balance corresponding to the salary. Execute the process of remitting the security deposit equivalent to For example, the guarantee service provider system SYS-G manages the latest balance information periodically provided by the service providing device 300 . Further, for example, the guarantee service provider system SYS-G identifies the salary balance for each service user U based on the balance information when guaranteeing the salary balance. Further, for example, the guarantee service provider system SYS-G is an account of a financial institution in which funds corresponding to salaries are stored in advance, and a revolving pledge is set (for example, the business shown in FIG. 1). Acquire the source of the security deposit to be paid to each service user U from the account in the name of person Y (root pledge), and remit the security deposit equivalent to the salary balance to each service user U based on the acquired source. .

In the above example, a case has been described in which a charge amount requested as a nominal salary is received from the business operator X through the corporate account of the business operator X, and the received funds are used as the funds for the guarantee service. This example does not need to be particularly limited. may be used as a source of funds for In this case, the business operator X deposits the salary into a virtual account linked to the service user U who is an employee, for example. When business operator Y detects a deposit notification to the one-time account, it triggers it, and adds the amount deposited to the one-time account as salary to the balance corresponding to the employee's user account linked to the one-time account. (charge). It should be noted that the funds deposited into the one-time account as salary by the business operator X are aggregated and managed in an aggregation account in which a revolving pledge is set.

[2. Device configuration example]
The configuration of the operator Y system SYS-4 according to this embodiment will be described below. FIG. 4 is a block diagram showing a configuration example of the provider Y system according to this embodiment.

As shown in FIG. 4, the business operator Y system SYS-4 includes a management system 100, a charging system 200, and a service providing device 300. FIG.

Operator Y system SYS-4 is connected to network N-1. Business operator Y system SYS-4 is connected to business operator X system SYS-1, A bank system SYS-2, B bank system SYS-3, and ATM service provider system SYS-AS via network N-1. , or with the warranty service provider system SYS-G. Network N-1 is a WAN (Wide Area Network) such as the Internet. Note that the network N-1 may include a communication network such as a LAN (Local Area Network), a telephone network (for example, a mobile telephone network, a fixed telephone network, etc.), a local IP (Internet Protocol) network, or the like. Network N-1 may include a wired network or may include a wireless network.

(Regarding the warranty service provider system SYS-G)
The warranty service provider system SYS-G according to this embodiment will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of the warranty service provider system SYS-G according to this embodiment.

The warranty service provider system SYS-G shown in FIG. 5 has a communication section F-1, a storage section F-2, and a control section F-3.

The communication unit F-1 is connected to the network N-1 by wire or wirelessly. The communication unit F-1 transmits and receives information to and from the operator X system SYS-1, the B bank system SYS-3, and the like via the network N-1. The communication unit F-1 is realized by, for example, a NIC (Network Interface Card) or the like.

The storage unit F-2 stores programs and data used for control and calculation by the control unit F-3. The storage unit F-2 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 5, the storage unit F-2 has a user information storage unit F-21 and a balance information storage unit F-22.

The user information storage unit F-21 stores user information on service users who use the guarantee service. The user information includes account information of a financial institution preset by the user of the guarantee service as a transfer destination of the guarantee money equivalent to the salary balance. The balance information storage unit F-22 stores information on the salary balance to be guaranteed for each service user.

The control unit F-3 is a controller that executes control and calculation of the warranty service provider system SYS-G. Each part of the control part F-3, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), various programs stored in the storage device inside the warranty service provider system SYS-G are stored in the RAM. It is realized by being executed as a work area. The controller F-3 is implemented by an integrated circuit such as ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), and SoC (System on a Chip).

As shown in FIG. 5, the control unit F-3 has a registration processing unit F-31 and a remittance processing unit F-32. The control unit F-3 implements or executes the functions and actions of the information processing described below by using the respective units shown in FIG. Although the description is omitted, the internal configuration of the control unit F-3 is not limited to the units shown in FIG. 5, and may include units that realize or execute other functions and actions related to the warranty service.

The registration processing unit F-31 executes registration processing of user information regarding service users who use the guarantee service. For example, the registration processing unit F-31 acquires user information transmitted from the service providing apparatus 300 from the communication unit F-1, and stores the acquired user information in the user information storage unit F-21 for each service user. to register. The user information includes account information of a financial institution preset by the user of the guarantee service as a transfer destination of the guarantee money equivalent to the salary balance. In addition, the user information may include an identifier that identifies the user's account determined by the service providing apparatus.

Further, the registration processing unit F-31 executes registration processing of information on the salary balance to be guaranteed. For example, the registration processing unit F-31 acquires balance information periodically transmitted from the service providing apparatus 300 from the communication unit F-1, and stores the acquired balance information in the balance information storage unit F-22 for each service user. to register. Further, the registration processing unit F-31 updates the balance information stored in the balance information storage unit F-22 each time it acquires balance information from the service providing apparatus 300, and manages it in the latest state.

The remittance processing unit F-32 is a process of remitting a security deposit equivalent to the salary balance to an account at a financial institution registered in advance by the user of the guarantee service that guarantees the salary balance, which is the digital money balance corresponding to the salary. to run. For example, when guaranteeing the salary balance, the remittance processing unit F-32 identifies the salary balance for each service user based on the balance information stored in the balance information storage unit F-22. In addition, for example, the remittance processing unit F-32 is an account of a financial institution in which funds corresponding to a salary are stored and to which a revolving pledge is set in advance (for example, the business operator Y shown in FIG. 1). Obtain the source of the security deposit to be paid to each service user from the account under the name (root pledge). Then, the remittance processing unit F-32 remits a security deposit equivalent to the salary balance to each service user through the communication unit F-1 based on the acquired funds.

(About management system 100)
The management system 100 manages deposits and withdrawals to and from money accounts owned by each service user in order to use the electronic settlement service provided by the business operator Y. FIG. Service users may include business users such as business operators who provide transaction objects, and individual users such as general consumers who receive transaction objects from business operators. The management system 100 manages account information related to money accounts owned by business users and individual users. FIG. 4 is a diagram showing an outline of account information according to this embodiment.

As shown in FIG. 4, the account information managed by the management system 100 includes items such as "account ID", "main wallet ID", "owner ID", and "total balance". has multiple items of These items of account information are associated with each other.

The item "account ID" stores an account ID (identification information) that is uniquely assigned to each account to identify the money account. The item "main wallet ID" stores identification information for specifying the main wallet provided to the service user in the corporate account service.

The “owner ID” item stores an owner ID (identification information) that is individually assigned to each owner to identify the owner of the money account linked to the account ID. As an example, a user ID that is individually assigned to each service user when using an electronic payment service may be used as the owner ID. Information indicating the total balance of digital money held in the money account is stored in the "total balance" item.

For example, according to the example shown in FIG. 4, the owner of the money account linked to the account ID: "AC#1" is the service user to whom the owner ID: "U#001" is assigned. 50,000 Yen” is shown to be held in the money account.

Note that the "total balance" item may be further divided according to the digital money management method. For example, the "total balance" item may be divided into the "salary" item and the "non-salary" item. In this case, the "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The item "other than salary" stores information indicating the balance of digital money deposited under the name other than salary, out of the total balance stored in the "total balance" item.

Also, the "non-salary" items may be further divided into items such as "normal" items and "profit" items. In this case, the "normal" item stores information indicating the balance of digital money charged by the owner of the money account. For example, the information stored in the "normal" item may include information indicating the balance of digital money deposited from a credit card or bank account linked to the money account. Also, for example, the information stored in the item "Profit" indicates the balance of digital money cashed back against the payment amount when the operator Y uses the electronic payment service provided to the service user. information, etc.

In addition, when the management system 100 receives from the B bank system SYS-3 a deposit notification executed in response to a deposit instruction from the service user (for example, business operator X), the management system 100 follows the content of the deposit notification to the service user (for example, , Business Operator X) adds a predetermined balance to the money account linked to the main wallet. For example, if the management system 100 receives a deposit notification from Bank B indicating that a deposit of 1,000,000 yen has been received, the management system 100 sends a digital account equivalent to 1,000,000 yen to the money account linked to the main wallet. Add money balance. The management system 100 then updates the balance information corresponding to the main wallet of the service user who sent the charge instruction.

(Regarding charge system 200)
The charging system 200 performs money charging by transferring digital money between money accounts in accordance with charging instructions from service users. The charging system 200 manages charging instruction information obtained from service users. FIG. 5 is a diagram showing an outline of charge instruction information according to the present embodiment.

As shown in FIG. 5, the charging instruction information managed by the charging system 200 includes items of "charging source ID", "charging destination ID", "scheduled amount", and "scheduled date". and an item of "Nominal". These items included in the charge instruction information are associated with each other.

Account information of the service user who is the source of the charge instruction is stored in the item of "charging source ID". In the example shown in FIG. 5, for example, as the account information indicating the sender of the charge instruction, a user ID (identification number) individually assigned to each service user to identify the service user who is the sender of the charge instruction. information) is used.

Account information of a service user designated as a charge destination of digital money by a charge instruction is stored in the item of "charging destination ID". In the example shown in FIG. 5, for example, the user ID assigned to the service user of the charge destination is used as the account information indicating the charge destination.

Information on the scheduled charge amount specified by the charge instruction is stored in the item "planned amount". Information on the scheduled charge amount specified by the charge instruction is stored in the item of "scheduled date". Information indicating the name (purpose, use) of the charge specified by the charge instruction is stored in the item of "nominal".

For example, according to the example shown in FIG. 5, each account identified by "U#001", "U#002" or "U#003" is transferred from the charge source account identified by "U#111". A charge instruction to be charged is indicated. Specifically, the account identified by “U # 001” is charged to, under the name of “salary”, “300 ,000 yen” digital money charge instruction and the account identified by “U#002” as the charge destination under the pretext of “salary”, “2021 (year) / 9 (Monday) / 27 (Sunday) ”, and the account identified by “U#003” as the charge destination, under the pretext of “expenses”, “2021 (Year)/9 An instruction to charge digital money for "400,000 yen" with a scheduled date of "(Monday)/30 (Sunday)" is shown.

In addition, the charge system 200 applies the scheduled charge amount allocated to the sub-wallet to the charge instruction transaction at a predetermined cycle (for example, cycle T1 shown in FIG. 1). Specifically, the charge system 200 applies the scheduled charge amount from the balance of the main wallet in order from the charge instruction with the closest scheduled charge date.

For example, in the case shown in FIG. 5, the charge system 200 uses the salary with the scheduled charge date of "2021 (year)/9 (Mon)/27 (Sun)" as the nominal salary among the two charge instructions of the business operator X. In response to the charge instruction to be charged, the planned charge amount is first applied. Here, if it is found that the balance of the main wallet is less than the planned charge amount, the charge system 200 suspends the allocation to the charge instruction and notifies the operator that the balance of the main wallet is insufficient. You can notify X. In addition, after allocating the scheduled charging amount to the charging instruction, the charging system 200 locks the amount corresponding to the scheduled charging amount out of the digital money balance of the money account linked to the main wallet, making it immovable until charging is executed. state.

Also, the charging system 200 performs charging according to a charging instruction from the business operator X. FIG. Specifically, the charging system 200 identifies a money account linked to the account to be charged from among the money accounts managed by the management system 100, and assigns the identified money account to the corporation of business operator X. Transfer the digital money corresponding to the planned charge amount from the money account linked to the account.

For example, the charge system 200 charges the money account associated with the charge destination account: "U#001" on the scheduled charge date "2021 (Monday)/September (Monday)/27 (Sunday)". Transfer planned charge amount: "300,000 yen" worth of digital money from the money account of business operator X, which is the source. In addition, for example, the charge system 200 charges the money account associated with the charge destination account: "U#002" on the scheduled charge date "2021 (Monday)/9 (Monday)/27 (Sunday)" , transfer the digital money for the scheduled charging amount: "300,000 yen" from the money account of the business operator X who is the charging source. In addition, for example, the charge system 200 charges the money account associated with the charge destination account: "U#003" on the scheduled charge date "2021 (Monday) / 9 (Monday) / 30 (Sunday)" , transfer the digital money for the scheduled charging amount: "400,000 yen" from the money account of the business operator X who is the charging source.

(Regarding service providing device 300)
The service providing device 300 cooperates with the management system 100 and the charge system 200 to execute processing related to various services relating to digital money provided by the operator Y to service users. As shown in FIG. 3 , the service providing device 300 has a communication section 310 , a storage section 320 and a control section 330 .

(Regarding communication unit 310)
Communication unit 310 is connected to network N-1 or network N-2 by wire or wirelessly. The communication unit 310 transmits and receives information to and from the operator X system SYS-1, the A bank system SYS-2, the B bank system SYS-3, and the like via the network N-1. Communication unit 310 also transmits and receives information to and from management system 100 and charge system 200 via network N-2. Communication unit 310 is realized by, for example, a NIC (Network Interface Card) or the like.

(Regarding storage unit 320)
The storage unit 320 stores programs and data used for control and calculation by the control unit 330 . Storage unit 320 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 3 , storage unit 320 has account information storage unit 321 and charge history storage unit 322 .

(Regarding the account information storage unit 321)
The account information storage unit 321 stores account information relating to corporate accounts provided to service users who use the corporate account service. As explained below, the corporate account service provides a main wallet and a sub-wallet that are used for the money charge service. FIG. 6 is a diagram showing an overview of account information stored in the account information storage unit according to this embodiment. Note that FIG. 6 shows an example of account information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 6, the account information stored in the account information storage unit 321 includes items of "user ID", items of "main wallet", items of "sub-wallet", and items of "withdrawal cycle". , and a plurality of items such as a "payment destination" item and a "one-time account" item. These items of account information are associated with each other.

In the "user ID" item, a user ID (identification information) that is individually assigned to a corporation such as business operator X as a service user when registering for use of the electronic payment service provided by business operator Y is stored. be done.

The “main wallet” item stores a main wallet ID, which is identification information for specifying the main wallet, and information indicating the balance of the money account linked to the main wallet.

The "sub-wallet" item stores a sub-wallet ID, which is identification information for identifying the sub-wallet, and information indicating the amount allocated to the sub-wallet from the balance of the main wallet. A sub-wallet is individually provided in advance for each charging name that can be included in the charging instruction. The allotted amount is set based on the charge instruction from the service user.

In the item of "withdrawal cycle", the balance of digital money that has not been allocated to the charge instruction transaction is determined in advance within the range that can comply with the retention regulations stipulated by laws and regulations (for example, the Payment Services Act). Cycle information is stored. For example, the payout cycle is calculated with the day when the balance is added to the main wallet as the first day. The "Payment Destination" item stores the account information (account number) of the financial institution designated by the service user as the payment destination of the amount corresponding to the balance of the digital money.

The item “Wi-Time Account” stores account information (account number) of the Wi-Time account linked to the main wallet. The one-time account is a transfer-only account to which the business operator Y receives a loan from Bank B as a deposit destination of the funds to be used for the charging instruction transaction. For example, the account information (account number) of the one-time account is notified from the business operator Y (service providing device 300) to the business operator X, which is the transmission source of the charge instruction.

According to the example shown in FIG. 6, the balance of the main wallet of the service user identified by the user ID: "U#111" is "0 yen", and the amount allocated to the sub-wallet corresponding to the salary charge service is " 600,0000 yen", the amount allocated to the sub-wallet corresponding to the expense charge service is "400,0000 yen", the payout cycle is "7 days", and the payout destination is "Bank A's ordinary account (account number 123456 )” indicates that the account number of the Waitime account lent by the service user from a bank (eg, bank B) is “OBAC#111”.

(Regarding charge history storage unit 322)
The charge history storage unit 322 stores information about the charge history executed based on the charge instruction of the service user who uses the corporate account service. FIG. 7 is a diagram showing an overview of charge histories stored in the charge history storage unit according to the present embodiment. Note that FIG. 7 shows an example of the charge history according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 7, the charge history stored in the charge history storage unit 322 includes items such as "user ID", "charge instruction acceptance date", "main wallet balance addition date", and " "Additional amount" item, "Withdrawal date" item, "Withdrawal amount" item, "Sub-wallet allocation date" item, "Allocation amount (nominal)" item, and "Charging date" item It has a plurality of items such as an item and an item of "charging execution date". These items in the charge history are associated with each other.

The "user ID" item stores the same information as the information stored in the "user ID" item of the account information described above (see FIG. 6, for example). That is, in the "user ID" item, a user ID (identification information) that is individually assigned to a corporation such as business operator X as a service user when registering for use of the electronic payment service provided by business operator Y. is stored.

Information indicating the date on which the charge instruction was received from the service user is stored in the item "charge instruction received date". Note that date and time information including the time may be stored in the item of "charging instruction acceptance date".

Information indicating the date on which the management system 100 added the balance to the money account linked to the main wallet is stored in the item "main wallet balance addition date". In addition, date and time information including the time may be stored in the item "main wallet balance addition date".

Information indicating the balance added to the money account linked to the main wallet is stored in the "additional amount" item.

The "payment date" item stores information indicating the date on which the balance of digital money that was not used for the charge instruction transaction was paid out from the money account linked to the main wallet to the sender of the charge instruction. Date and time information including the time may be stored in the item of "payout date".

The "withdrawal amount" item stores information indicating the balance paid out from the money account linked to the main wallet to the sender of the charge instruction.

The "sub-wallet allocation date" item stores information indicating the date on which the scheduled charge amount was allocated from the predetermined balance added to the main wallet to the sub-wallet corresponding to the name of the charge in the charge instruction. be done. Note that date and time information including the time may be stored in the item "sub-wallet allocation date".

In the "allocation amount (nominal)" item, information indicating the scheduled charging amount (allocation amount) allocated to the sub-wallet and information indicating the nominal amount of charging are stored.

Information indicating the date on which the charge system 200 appropriated the balance of the main wallet to the scheduled charge amount allocated to the sub-wallet is stored in the "date of charging" item. In addition, date and time information including the time may be stored in the item of "charging date".

The "charge execution date" field stores information indicating the date on which the scheduled charge amount is transferred from the money account linked to the main wallet to the money account linked to the account to which the charge is to be made. Date and time information including the time may be stored in the item of "charging execution date".

According to the example shown in FIG. 7, the date and time when the predetermined balance was added to the main wallet (B bank deposit date), the amount added to the main wallet balance, and the balance of the main wallet were withdrawn. Information such as the date and time and the amount of money to be paid can be specified. Further, according to the example shown in FIG. 7, it is possible to identify information such as the date and time when the scheduled charge amount was allocated to the sub-wallet, the allocated amount, and the name of the charge. Further, according to the example shown in FIG. 7, it is possible to identify information such as the date and time when the balance of the main wallet was appropriated to the planned charge amount and the date and time when the charge was executed.

(Regarding the control unit 330)
The control unit 330 is a controller that controls the service providing device 300 and performs calculations. Various programs stored in the internal storage device of the service providing apparatus 300 are executed using the RAM as a work area, for example, by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. It is realized by Also, the control unit 330 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or an SoC (System on a Chip).

As shown in FIG. 4 , the control section 330 has a reception section 331 , an allocation section 332 , a payout section 333 and a provision section 334 . The control unit 330 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. 4 . Although the explanation is omitted, the internal configuration of the control unit 330 is not limited to each unit shown in FIG. Or you may have each part which performs.

(Regarding the reception unit 331)
The accepting unit 131 accepts an instruction to charge digital money from a service user. For example, reception unit 131 receives a charge instruction transmitted from a service user (for example, business operator X) via communication unit 310 . Accepting unit 131 registers a charging instruction to charging system 200 .

(Regarding allocation unit 332)
After the receiving unit 331 accepts the charge instruction, the allocating unit 332 executes allocation of the scheduled charge amount specified in the charge instruction on the condition that the deposit of funds to be used for the charge instruction transaction is confirmed. do.

For example, the allocating unit 332 refers to the account information stored in the account information storage unit 321, and selects the main wallet linked to the account to which the funds for the charge instruction transaction are deposited. Check if the prescribed balance has been added. When the allocating unit 332 can confirm that a predetermined balance has been added to the main wallet, it allocates the planned charge amount from the balance added to the main wallet.

Specifically, the allocation unit 332 allocates the scheduled charge amount similarly designated in the charge instruction to the sub-wallet corresponding to the name of the charge designated in the charge instruction in accordance with the operation of the service user. For example, if the name of the charge is salary, the allocation unit 332 allocates the scheduled charge amount from the balance of the main wallet to the sub-wallet corresponding to the salary charge service. Then, the allocating unit 332 records information on the planned charge amount (allocated amount) allocated to the sub-wallet in the charge history storage unit 322 in association with the service user (user ID) who sent the charge instruction.

In addition, if the name specified in the charge instruction corresponds to the predetermined name, the funds to be allocated to the charge instruction transaction are, among the accounts lent by the service user (for example, business operator Y) from Bank B, The money is deposited into an account in which a pledge (root pledge) has been established for using the above-mentioned source as collateral. For example, if the name of the charge is a salary, the money is deposited into an account in the name of the service user to which a pledge (root pledge) is set.

(Regarding payout unit 333)
The payout unit 333 pays out to the service user the balance of the digital money that has not been allocated to the charge instruction transaction executed in response to the charge instruction, according to a predetermined payout cycle. For example, the payout unit 333 pays out to the service user the balance not allocated to the charge instruction transaction, out of the predetermined balance added to the main wallet as the source of digital money to be used for the charge instruction transaction. .

Specifically, the payout unit 333 refers to the account information stored in the account information storage unit 321, and pays out the balance that was not appropriated to the charge instruction transaction for the business operator X who sent the charge instruction. Check if the cycle has been reached. The payout cycle is defined in advance to the extent that retention regulations stipulated by laws and regulations (for example, the Payment Services Act) can be complied with. When the payout unit 33 confirms that the payout cycle has been reached, the payout unit 33 accesses the management system 100 and checks the balance of the money account linked to the business operator X's main wallet. Next, if there is a balance in the money account of business operator X, the payout unit 333 sends an instruction to deposit an amount corresponding to the balance of the money account of business operator X to B bank. The deposit instruction includes account information (account number) indicating the payee of the balance and information on the amount of deposit (information on the amount corresponding to the balance). Also, the payout unit 333 transmits an update instruction to the management system 100 to update the balance of digital money in the money account of the business operator X to "0 yen".

(Regarding the providing unit 334)
In response to a request from a service user, the providing unit 334 provides detailed information (for example, see FIG. 2) that is detailed information related to digital money charging executed in response to a charging instruction.

For example, the providing unit 334 acquires a charge statement request transmitted from the service user through the communication unit 310 . Then, based on the user ID included in the charge statement request of the providing unit 334, the statement information corresponding to the charge statement request is acquired from the charge history stored in the charge history storage unit 322. FIG. Note that the charge statement request may specify the date and period for which the statement information is desired to be provided.

For example, the providing unit 334 can acquire various types of information from the deposit of funds corresponding to the charge instruction to the payment of the balance that was not appropriated to the charge instruction transaction. The information that the providing unit 334 can acquire from the charge history includes the date of deposit of the source funds to bank B to be used for the charge instruction transaction, the amount of source funds deposited, the date of payment of the balance, and the amount of payment of the balance. Contains information. Information that the providing unit 334 can obtain from the charge history includes the allocation date when the scheduled charge amount was allocated to the sub-wallet from the predetermined balance added to the main wallet, the allocation amount indicating the scheduled charge amount, and the amount of charge. Contains nominal information. The information that the providing unit 334 can acquire from the charge history includes information on the date on which the scheduled charge amount allocated to the sub-wallet was applied to the charge instruction transaction and the date on which the charge was executed.

The providing unit 334 can provide the service user with a plurality of items of detailed information collected for each predetermined procedure. For example, the providing unit 334 collects detailed information summarizing information such as the date of deposit of the source funds to Bank B, the amount of the deposited source funds, the date of payment of the balance, and the amount of payment of the balance for allocating the charge instruction transaction. (For example, detailed information J1 shown in FIG. 2) can be provided to the service user. In addition, for example, the providing unit 334 collects information on the allocation date when the scheduled charge amount was allocated to the sub-wallet from the predetermined balance added to the main wallet, the allocation amount indicating the scheduled charge amount, and the name of the charge. Detailed information (for example, detailed information J2 shown in FIG. 2) can be provided. In addition, for example, the providing unit 334 collects detailed information (for example, FIG. 2 can provide detailed information J3) shown in .

In addition, the providing unit 334 provides, at a predetermined timing, information on the salary balance to be guaranteed to a business operator that provides a guarantee service that guarantees the salary balance, which is the digital money balance corresponding to the salary, to the user. . For example, the provision unit 334 aggregates the salary balance of each service user at a predetermined timing by batch processing or the like, and transmits the aggregated balance information to the guarantee service provider system SYS-G.

In addition, when the providing unit 334 receives a request for use of the guarantee service from a service user (for example, a user of a settlement service), the provision unit 334 makes a guarantee service use contract with a business operator that provides the guarantee service. Provide user information. For example, the providing unit 334 receives from the service user, who is the source of the request for use of the guarantee service, a setting of an account at a financial institution to which the guarantee money corresponding to the salary balance is to be transferred. Then, the providing unit 334 transmits the user information including the account information of the financial institution associated with the service user to the guarantee service provider system SYS-G through the communication unit F-1.

[3. Processing procedure]
(3-1. Overall processing)
An overall flow of processing in the information processing system SYS according to this embodiment will be described below with reference to FIG. FIG. 8 is a sequence diagram showing the flow of overall processing in the information processing system according to this embodiment.

As shown in FIG. 8, the operator X system SYS-1 transmits a charge instruction to the operator Y system SYS-4 in accordance with the operation by the operator X (step S101).

Upon receiving the charge instruction from the operator X system SYS-1, the service providing device 300 of the operator Y system SYS-4 registers the charge instruction to the charge system 200 (step S102).

In addition, the business operator X system SYS-1, in accordance with the operation by the business operator X, transmits to the A bank system SYS-2 an instruction to deposit funds to be applied to the charge instruction transaction (step S103).

A bank system SYS-2 deposits the amount specified in the deposit instruction into the one-time account specified in the deposit instruction in accordance with the deposit instruction received from business operator X (step S104).

When the B bank system SYS-3 confirms the payment from the A bank, it transmits a payment notice to the business operator Y system SYS-4 for notifying the business operator Y that the payment has been made (step S105).

When the management system 100 of the operator Y system SYS-4 receives the payment notification from the B bank system SYS-3, it adds a predetermined balance equivalent to the amount notified by the payment notification to the main wallet of the operator X. (Step S106).

When the service providing device 300 of the business operator Y system SYS-4 confirms the addition of the balance to the main wallet of the business operator X, it allocates the scheduled charge amount specified in the charge instruction to the sub wallet of the business operator X (step S107). ).

The charge system 200 of the operator Y system SYS-4 refers to the sub-wallet at a predetermined cycle (for example, cycle T1 shown in FIG. 1), and if allocation to the sub-wallet can be confirmed, The allocated scheduled charging amount is applied to the charging instruction transaction (step S108).

Also, the charging system 200 performs charging according to the charging instruction of the business operator X (step S109).

On the other hand, the service providing device 300 of the business operator Y system SYS-4 pays out to the business operator X the balance of the main wallet that has not been allocated to the charge instruction transaction in a predetermined payment cycle (step S110). With this, the processing shown in FIG. 8 ends.

(3-2. Processing of service providing device)
Next, a processing procedure performed by the service providing apparatus 300 according to this embodiment will be described with reference to FIG. FIG. 9 is a flow chart showing an example of a processing procedure of the service providing apparatus according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 330 of the service providing apparatus 300 .

As shown in FIG. 9, the reception unit 331 registers the charging instruction received from the service user in the charging system 200 (step S201). Also, the allocation unit 332 checks the balance of the main wallet of the service user who sent the charge instruction (step S202).

If the allocating unit 332 can confirm that the predetermined balance has been added to the main wallet (Step S202; Yes), the allocation unit 332 also issues a charge instruction to the sub-wallet corresponding to the name of the charge specified in the charge instruction. Allocate the scheduled charging amount specified in (step S203).

In addition, the payout unit 333 refers to the account information stored in the account information storage unit 321, and reaches the payout cycle for the balance not allocated to the charge instruction transaction for the service user who is the source of the charge instruction. It is checked whether or not (step S204).

If the payout unit 333 can confirm that the payout cycle has been reached (step S204; Yes), it accesses the management system 100 and checks the balance of the money account linked to the service user's main wallet ( step S205).

If the money account linked to the service user's main wallet has an unappropriated balance that has not been applied to the charge instruction transaction (step S205; Yes), the payout unit 333 informs the service user Then, the balance of the main wallet (the balance of the money account linked to the main wallet) is paid out (step S206), and the processing procedure shown in FIG. 9 ends.

On the other hand, if the money account linked to the main wallet of the service user does not have an unappropriated balance that has not been applied to the charge instruction transaction (step S204; No), the payout unit 333 Terminate the processing procedure shown.

In step S204 described above, when it is confirmed that the payout cycle has not been reached (step S204; No), the confirmation procedure of step S204 is repeated at a predetermined cycle.

In step S202 described above, if the allocating unit 332 can confirm that the predetermined balance has not been added to the main wallet (step S202; No), the execution grace period for the charge instruction (for example, seven days after receiving the instruction) ) (step S207).

If the allocating unit 332 determines that it is within the execution grace period of the charge instruction (step S207; Yes), it returns to the confirmation procedure of step S202 described above.

On the other hand, when determining that it is not within the execution grace period of the charge instruction (step S207; No), the allocation unit 332 discards the charge instruction received from the service user (step S208). Then, the allocation unit 332 notifies the service user who transmitted the charge instruction that the charge instruction has been discarded (step S209), and ends the processing procedure shown in FIG.

[4. Modification]
The embodiment described above is an example of information processing according to the embodiment, and various modifications and applications are possible. Operator Y System SYS-4 may be physically or functionally distributed or integrated in any unit. For example, the processing functions of management system 100 and charging system 200 may be integrated into service providing device 300 , and service providing device 300 may execute management system 100 and charging system 200 . A configuration example of the service providing apparatus 400 in this case will be described below. FIG. 10 is a diagram illustrating a configuration example of a service providing device according to a modification.

As shown in FIG. 10 , service providing apparatus 400 according to the modification includes communication section 410 , storage section 420 , and control section 430 .

A communication unit 410 corresponds to the communication unit 310 included in the service providing apparatus 300 . Communication unit 410 communicates with operator X system SYS-1, A bank system SYS-2, B bank system SYS-3, ATM service provider system SYS-AS, guarantee service Sends and receives information to and from the provider's system SYS-G.

The storage unit 420 corresponds to the storage unit 320 of the service providing apparatus 300 and stores programs and data used for control and calculation by the control unit 430 . As shown in FIG. 10 , storage unit 420 has account information storage unit 421 , account information storage unit 422 , charge instruction information storage unit 423 , and charge history storage unit 424 .

The account information storage unit 421 corresponds to the account information storage unit 321 of the storage unit 320 described above, and stores account information related to corporate accounts provided to service users who use the corporate account service.

The account information storage unit 422 stores account information related to money accounts owned by service users such as business users and individual users in order to use the electronic payment service provided by the business operator Y. The account information stored in the account information storage unit 422 corresponds to the account information (see FIG. 4) managed by the management system 100 described above.

The charging instruction information storage unit 423 stores charging instruction information acquired from the service user. The charge instruction information stored in the charge instruction information storage unit 423 corresponds to the charge instruction information (see FIG. 5) managed by the charge system 200 described above.

The charge history storage unit 424 corresponds to the charge history storage unit 322 of the storage unit 320 described above, and stores information related to the charge history executed based on the charge instruction of the service user who uses the corporate account service.

The control unit 430 corresponds to the control unit 330 of the service providing device 300 and is a controller that controls the service providing device 400 and executes calculations. As shown in FIG. 10 , the control unit 430 has a reception unit 431 , a management unit 432 , an allocation unit 433 , a charge unit 434 , a payout unit 435 and a supply unit 436 .

The reception unit 431 corresponds to the reception unit 331 included in the control unit 330 described above, and receives an instruction to charge digital money from the service user. The reception unit 431 registers information on the charge instruction received from the service in the charge instruction information storage unit 423 .

The management unit 432 is responsible for processing functions executed by the management system 100 described above, and manages deposits and withdrawals to and from money accounts owned by each service user in order to use the electronic payment service provided by the business operator Y.

For example, the management unit 432 acquires, from the B bank system SYS-3, through the communication unit 410, a deposit notification executed in response to a deposit instruction from the service user (for example, the operator X). Then, the management unit 432 adds the balance of digital money linked to the main wallet of the service user (for example, business operator X) according to the content of the received deposit notification. For example, if the management unit 432 receives a deposit notification from Bank B indicating that 450,000 yen has been deposited, the management unit 432 transfers the balance of digital money equivalent to 450,000 yen to the money account linked to the main wallet. to add. In addition, the management unit 432 updates the account information stored in the account information storage unit 421, the balance information of the main wallet of the service user who is the source of the charge instruction.

The allocating unit 433 corresponds to the allocating unit 332 of the control unit 330 described above, and after the charge instruction is received by the receiving unit 431, the allocating unit 433 receives funds to be used for the charge instruction transaction. On the condition that it is confirmed, the allocation of the scheduled charging amount specified in the charging instruction is executed.

The charging unit 434 carries out the processing functions executed by the charging system 200 described above, and carries out money charging by transferring digital money between money accounts in accordance with charging instructions from service users.

For example, the charge unit 434 applies the scheduled charge amount allocated to the sub-wallet to the charge instruction transaction at a predetermined cycle (for example, cycle T1 shown in FIG. 1). Specifically, the charging unit 434 applies the scheduled charging amount from the balance of the main wallet in order from the charging instruction with the closest scheduled charging date.

Also, for example, the charging unit 434 performs charging according to a charging instruction from a service user (for example, business operator X). Specifically, the charge unit 434 refers to the account information stored in the account information storage unit 422 and identifies the money account linked to the charge destination account specified in the charge instruction. Then, the charging unit 434 performs money charging by transferring digital money corresponding to the scheduled charging amount from the money account linked to the corporate account of the service user to the identified money account.

The payout unit 435 corresponds to the payout unit 333 included in the control unit 330 described above, and pays out the digital money balance that has not been used for the charge instruction transaction to the service user according to a predetermined payout cycle.

The providing unit 436 corresponds to the providing unit 334 included in the control unit 330 described above, and is detailed information that is detailed information related to charging of digital money executed in response to a charge instruction in response to a request from a service user. (see, eg, FIG. 2).

In this way, by consolidating each part of the operator Y system SYS-4 according to the present embodiment described above and physically and functionally integrating it into the service providing device 400, it is possible to centrally manage information related to various services and improve efficiency. processing can be realized. In addition, it is not necessary to deploy the network N-2 that communicably connects each part of the operator Y system SYS-4 according to the present embodiment, and it is possible to eliminate the influence of the communication failure of the network N-2 in the provision of services. .

[5. Hardware configuration]
Also, the service providing apparatus 300 according to the present embodiment or the service providing apparatus 400 according to the modified example described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device according to this embodiment or a modified example.

A computer 1000 is connected to an output device 1010 and an input device 1020, and 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 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. 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. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, 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 types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, 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 the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

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

For example, when the computer 1000 functions as the service providing device 300, which is an example of the information processing device according to the present embodiment, the computing device 1030 of the computer 1000 can read a program (for example, an information processing program) loaded on the primary storage device 1040. ), a function similar to that of the control unit 330 is realized. That is, the computing device 1030 realizes processing by the service providing device 300 according to this embodiment in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040 .

Further, when computer 1000 functions as service providing apparatus 400 according to an example of an information processing apparatus according to a modified example, arithmetic unit 1030 of computer 1000 executes a program (for example, an information processing program) loaded on primary storage device 1040. , the same function as that of the control unit 430 is realized. That is, arithmetic device 1030 realizes processing by service providing device 400 according to the modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

[6. effect〕
As described above, the service providing device 300, which is an example of the information processing device according to the present embodiment, provides a guarantee service that guarantees the salary balance, which is the digital money balance corresponding to the salary of the user. and a providing unit 334 for providing information on the salary balance to be guaranteed at a predetermined timing.

Further, when receiving a request for use of the guarantee service from the user, the providing unit 334 provides the user information required for the use contract of the guarantee service to the company that provides the guarantee service.

The user information also includes account information of a financial institution registered at the time of contract for using the guarantee service as a transfer destination of the guarantee money equivalent to the digital money balance corresponding to the salary.

In addition, the providing unit 334 acquires salary balance information from account information in which both the salary balance and the non-salary balance, which is the balance of digital money corresponding to the non-salary, are managed as the account information of the user. and provide.

In this way, the service providing apparatus 300 can provide a mechanism for guaranteeing the balance of digital money received as salary.

In addition, the guarantee service provider system SYS-G, which is an example of the information processing apparatus according to the present embodiment, is a financial institution registered in advance by a user of a guarantee service that guarantees a salary balance that is a digital money balance corresponding to a salary. remittance processing unit F-32 for executing processing of remitting a security deposit equivalent to the salary balance to the account of

In addition, in the guarantee service provider system SYS-G, the remittance processing unit F-32 is an account of a financial institution in which the funds corresponding to the salary are stored, and from which a revolving pledge has been set in advance, Acquire the source of the security deposit.

In addition, in the guarantee service provider system SYS-G, the remittance processing unit F-32 has a revolving pledge, which is an aggregate account linked to the one-time account to which the funds for charging the user's salary as digital money are transferred. Obtain the source of the security deposit from the set account.

In this way, the guarantee service provider system SYS-G can provide a mechanism for guaranteeing the balance of digital money received as salary.

[7. others〕
As described above, the embodiments and some of the modifications have been described in detail with reference to the drawings, but these are examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to carry out the present invention in other forms with modifications and improvements.

Further, the service providing device 300 or the service providing device 400 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

Also, the effects described in the embodiments of the present application are merely descriptive or exemplary, and are not limiting. In other words, the embodiments of the present application can have other effects that are obvious to those skilled in the art from the description of the embodiments in addition to or instead of the above effects.

100 management system 200 charge system 300 service providing device 310 communication unit 320 storage unit 321 account information storage unit 322 charge history storage unit 330 control unit 331 reception unit 332 allocation unit 333 payout unit 334 provision unit 400 service provision device 410 communication unit 420 storage Unit 421 Account information storage unit 422 Account information storage unit 423 Charge instruction information storage unit 424 Charge history storage unit 430 Control unit 431 Reception unit 432 Management unit 433 Allocation unit 434 Charge unit 435 Payment unit 436 Provision unit

Claims (8)

Of the user's digital money balance, the salary balance, which is the digital money balance corresponding to the salary, is periodically aggregated at a predetermined timing, and the information on the aggregated salary balance is used as a guarantee service for guaranteeing the salary balance. a provision unit that provides by periodically transmitting as a guarantee target to the system operated and managed by the provider ,
Acquire the source of the security deposit equivalent to the salary balance to be paid to each user of the guarantee service from the account of the financial institution where the funds corresponding to the salary are stored, and based on the acquired source, a remittance processing unit that executes processing for remitting the security deposit to an account of a financial institution registered in advance by the user;
An information processing system characterized by having: The providing unit
When a request for using the guarantee service is received from the user, user information necessary for a contract for using the guarantee service is transmitted to a system operated and managed by a business operator that provides the guarantee service. The information processing system according to claim 1, wherein the information processing system is provided by : The user information is
3. The information processing system according to claim 2, wherein account information of a financial institution registered at the time of contract for using said guarantee service is included as a transfer destination of said guarantee money equivalent to said digital money balance. The providing unit
Acquiring and acquiring information on the balance of salary from account information in which both the balance of salary and the balance other than salary, which is the balance of digital money corresponding to the balance other than the salary, are managed as the account information of the user. 2. The information processing system according to claim 1 , wherein the information on the salary balance calculated is provided by transmitting it to a system operated and managed by a company that provides the guarantee service . The remittance processing unit
2. The information according to claim 1 , wherein the source of the security deposit is obtained from an account of a financial institution in which funds corresponding to the salary are stored and to which a revolving pledge has been set in advance. processing system . The remittance processing unit
The source of the security deposit is obtained from the account in which the revolving pledge is set, which is a consolidated account linked to a one-time account into which funds for charging the user's salary as digital money are transferred. The information processing system according to claim 5 . A computer-executed information processing method comprising:
Of the user's digital money balance, the salary balance, which is the digital money balance corresponding to the salary, is periodically aggregated at a predetermined timing, and the information on the aggregated salary balance is used as a guarantee service for guaranteeing the salary balance. A provision process in which information is periodically transmitted as a guarantee target to a system operated and managed by a provider , and
Acquire the source of the security deposit equivalent to the salary balance to be paid to each user of the guarantee service from the account of the financial institution where the funds corresponding to the salary are stored, and based on the acquired source, a remittance processing step of remittance of the security deposit to an account of a financial institution registered in advance by the user;
An information processing method comprising: Of the user's digital money balance, the salary balance, which is the digital money balance corresponding to the salary, is periodically aggregated at a predetermined timing, and the information on the aggregated salary balance is used as a guarantee service for guaranteeing the salary balance. A provision procedure provided by periodically sending it as a guarantee target to the system operated and managed by the provider , and
Acquire the source of the security deposit equivalent to the salary balance to be paid to each user of the guarantee service from the account of the financial institution where the funds corresponding to the salary are stored, and based on the acquired source, a remittance processing procedure for executing a process of remittance of the security deposit to an account of a financial institution registered in advance by the user;
An information processing program characterized by causing a computer to execute

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