INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD AND INFORMATION PROCESSING PROGRAM

• Main Authors: OTSUKA CHIZUKO, YANASE MASAYOSHI
• Format: Patent
• Language: English; Japanese
• Published: 11.04.2024
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

To achieve increase in usability in an electronic payment service.SOLUTION: An information processing device according to the present invention is configured to: when a payment is transferred to a virtual account arbitrarily assigned to a service user serving as a user of an electronic payment service from a plurality of virtual accounts rented from a tied-up financial institution, charge the electronic payment of an amount corresponding to a payment amount as a money balance associated with a user account the service user owns in the electronic payment service. Moreover, the information processing device has: a calculation unit; and a transfer adjustment unit. The calculation unit is configured to calculate a chargeable amount of the service user on the basis of a differential between the money balance at a current point of time associated with the user account, and a balance upper limit amount serving as an upper limit of a preliminarily set money balance associated with the user account. The transfer adjustment unit is configured to notify the financial institution of the chargeable amount as the transfer upper limit to the virtual account.SELECTED DRAWING: Figure 7 【課題】電子決済サービスにおけるユーザビリティの向上を図ること。【解決手段】本願に係る情報処理装置は、提携先の金融機関から借り受けた複数の仮想口座の中から、電子決済サービスの利用者であるサービス利用者に対して任意に割り当てた仮想口座であって、当該仮想口座に対する振込があった場合に、振込金額に相当する額の電子マネーをサービス利用者が電子決済サービスにおいて所有するユーザアカウントに紐づくマネー残高としてチャージする。また、情報処理装置は、算出部と、振込調整部とを有する。算出部は、ユーザアカウントに紐付く現時点でのマネー残高と、ユーザアカウントに紐付けて予め設定されるマネー残高の上限である残高上限額との差分に基づいて、サービス利用者のチャージ可能額を算出する。振込調整部は、仮想口座に対する振込上限額として、チャージ可能額を金融機関に対して通知する。【選択図】図７