JP2001306964A - System and method for managing money transfer and recording medium with money transfer management program recorded - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow persons using the Internet to easily transfer money. SOLUTION: An Internet server device 1 transmits the screen information of a WEB page having a 'payment icon' to a terminal equipment 21a. In the terminal equipment 21a, a WEB page reader operates the 'payment icon', and transmits an amount of money to be paid to a WEB page preparer to the Internet server device 1. At that time, the terminal equipment 21a transmits the ID number of the WEB page reader. The Internet server device 1 adds the ID number of the WEB page preparer to the information received from the terminal equipment 21a, and transmits it to a control center device 11. The control center device updates the account balance of the WEB page reader and the WEB page preparer based on the received ID numbers and payment amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a money transfer management system and method for realizing money transfer between Internet users by transmitting and receiving information via the Internet, and a recording medium storing a money transfer management program.

[0002]

2. Description of the Related Art As the use of the Internet increases,
It has become common to publish information on the WW (World Wide Web). Information published on the WWW is HTML (Hyp
ertextMarkup Language) and is included in a WEB page described in a page description language. The Internet server device stores the screen information of the WEB page, and transmits the screen information to the terminal device when there is a transmission request for the screen information from a terminal device connected to the Internet. The terminal device displays the received screen information using a browser. That is, a person who wants to disclose the information stores the screen information in the Internet server device, and a person who wants to browse the information has only to receive the screen information in a terminal device having a browser.

[0003] Individuals who publish information on the WEB page want to have many people view their hobbies and everyday matters, or pictures, music, texts, etc. that they have created. Often. In other words, in most cases, the purpose of an individual is to allow another person to view the created WEB page. However, if you can receive a price for your published content as a tip, you will be less motivated to create and publish more fulfilling content. In addition, it is desirable for companies as well as individuals to obtain compensation for the disclosure of information.

[0004] Conventionally, when an individual or a company seeks to obtain a monetary income associated with disclosure of information on the WWW, a banner advertisement is displayed on a WEB page to obtain an advertisement fee. If the information is disclosed together with the banner advertisement, the information can be viewed by others and the financial income can be obtained.

[0005]

[Problems to be solved by the invention] For individuals and companies,
It would be desirable if there were ways to generate revenue other than displaying banner ads. In particular, it is considered that for those who want to see the content or the like created by themselves, it would be better if there was a means by which those who evaluated the content could easily pay tips. Also, if money can be easily exchanged between users using the Internet, it will be meaningful not only in the case of paying chips for published contents but also in various situations. However, those who use the Internet
There was no easy way to transfer money.

[0006] It is an object of the present invention to provide a money transfer management system and method on the Internet, and a recording medium recording a money transfer management program, so that people using the Internet can easily transfer money. And

[0007]

SUMMARY OF THE INVENTION A money transfer management system according to the present invention comprises: an Internet server device for transmitting screen information of a Web page via the Internet in response to a request from a terminal device of a Web page viewer; And a management center device for managing the amount of money received from the user together with the ID number of the user.
Screen information transmitting means for transmitting screen information of a web page provided with a display portion for inputting the amount of money to be paid to the web page creator and payment confirmation information by the EB page viewer, and the amount and payment of money at the display portion Of the web page viewer from the terminal device to which the confirmation information of
The system includes money information receiving means for receiving information on the D number and the amount of money, and money information transmitting means for adding the ID number of the web page creator to the information received by the money information receiving means and transmitting the information to the management center device. The management center device receives update ID information of the web page viewer, ID number of the web page creator, and the amount of money from the Internet server device, and updates the information based on the information received by the update information reception device. Web page viewers and WE
A money amount updating means for updating the amount of money deposited from the creator of the B page.

[0008] A web page viewer inputs a monetary amount to be paid to a web page creator and payment confirmation information.
The display part on the EB page is, for example, an icon.
By displaying the icon, the amount of money can be easily set by operating the mouse.

The icon is displayed when the web page viewer inputs the amount of money to be paid to the web page creator.
Alternatively, the display image may be changed when payment confirmation information is input. The change in the display image allows the web page viewer to grasp the situation such as the amount of the set amount.

[0010] The management center device may be configured to manage the total amount of money paid by the web page viewers by each web page creator together with the amount of money deposited from Internet users. According to such a configuration, for example, it is possible to recognize the amount of money collected as chips and donations.

[0011] The update information receiving means of the management center device directly receives information of a person who pays money, information of a person who pays money, and an amount of money to be paid from the terminal device. A configuration may be employed in which a person who pays money and an amount of money deposited from a person who pays money are updated based on the received information. According to such a configuration, money can be exchanged without operating the display portion on the WEB page.

Further, the money transfer management method according to the present invention comprises:
An internet server device for transmitting screen information of a web page via the internet in response to a request from a terminal device of a web page viewer, and a management center device for managing the amount of money deposited from an internet user together with the user's ID number. Is a money transfer management method using
Internet server device, WEB page viewer W
Transmitting the screen information of the WEB page provided with a display portion for inputting the amount of money to be paid to the EB page creator and the settlement information of the payment, and the Internet server device comprising: Of the web page viewer from the terminal device where
A step of receiving the information of the D number and the amount of money, a step of the Internet server device adding the ID number of the web page creator to the information received from the terminal device, and transmitting the information to the management center device; Receiving the information of the ID number of the web page viewer, the ID number of the web page creator and the amount of money from the Internet server device, and the management center device browsing the web page based on the information received from the internet server device. Updating the amount of money deposited from the person and the creator of the web page.

[0013] Further, a recording medium storing the money transfer management program according to the present invention is a recording medium storing a money transfer management program for managing money transfer by a computer, and the program is stored in a computer via a WEB. The page viewer transmits screen information of a WEB page having a display portion for inputting the amount of money to be paid to the creator of the WEB page and the settlement information of the payment, and the amount of money and the settlement information of the payment are input in the display portion. Receiving the information of the ID number of the web page viewer and the amount of money from the terminal device, and adding the ID number of the web page creator to the information received from the terminal device and transmitting the information to the management center device. . An Internet server device used in the money transfer management system can be realized by a recording medium on which the program is recorded.

A recording medium storing the money transfer management program according to the present invention is a recording medium storing a money transfer management program for managing money transfer by a computer. Information on the ID number of the web page viewer, the ID number of the web page creator, and the amount of money is received from the server device, and based on the information received from the Internet server device, the web page viewer and the web
It is characterized in that the amount of money deposited from the creator of page B is updated. With the recording medium on which the program is recorded, a management center device used in the money transfer management system can be realized.

[0015]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a money transfer management system according to the present invention. The money transfer management system includes an Internet server device 1 connected to the Internet and a management center device 11. Hereinafter, the Internet server device:
It is described as a server device. A plurality of terminal devices 21a and 21b are connected to the Internet. The terminal device is I
Although connected to the Internet via a server device managed by an SP (Internet Service Provider), the terminal device 2
A server device for connecting the Internet 1a to the Internet is not shown in FIG. Here, it is assumed that the viewer of the WEB page uses the terminal device 21a and the creator of the WEB page uses the terminal device 21b.

In the terminal device 21a, the control unit 22 controls the terminal device 2 according to a program stored in the storage device 23.
1a is controlled. The storage device 23 stores a program such as a browser. Network interface unit 24
Transmits and receives information to and from the server device 1 and the management center device 11. The input unit 25 includes a keyboard, a mouse, and the like, and receives information and instructions from a user of the terminal device. The output unit 26 is configured by a display device or the like. The control unit 22 includes a URL (Universal Resourc
e Locator) is input or the web already displayed
When a mouse clicks on a linked portion on the page, a request for transmitting screen information is transmitted to a server device specified by the URL or the link, and a web page is output based on the received screen information. 26.

The structure of the terminal device 21b is the same as that of the terminal device 21a.
Is the same as The control unit of the terminal device 21b inputs screen information according to the instruction of the web page creator and transmits the screen information to the server device 1. When the creator of the WEB page intends to receive compensation for the published content, he creates screen information having a “payment icon”,
Transmits this screen information to the server device 1. The “payment icon” is an icon used when a web page viewer pays money to the web page creator.
The operations of the terminal device, the server device, and the management center device when the “payment icon” is used will be described later.

Further, a person who intends to transfer money on the Internet can use a unique I / O
A D number is assigned. Each of the terminal devices 21a and 21b receives the ID number of the user of the terminal device and stores it.

In the server device 1, the control unit 2 controls the server device 1 according to a program stored in the storage device 3. The network interface unit 4 transmits and receives information to and from each of the terminal devices 21a and 21b and the management center device 11. When receiving the screen information of the web page from the terminal device 21b of the web page creator, the control unit 2 stores the screen information in the storage device 3. Also, WE
When there is a screen information transmission request from the terminal device 21a of the B page viewer, the requested screen information is transmitted. When the “payment icon” is used on the screen displayed on the terminal device 21a, the information such as the amount of payment is received from the terminal device 21a, and the information is transmitted to the management center device 11.

The management center device 11 has an account database 12. The account database 12 is an ID of a person who gives and receives money on the Internet (user of each terminal device).
Manage numbers and their account balances. The management center device 11 updates the account balance according to the information received from the server device 1 or an input from a manager of the money transfer management system (hereinafter, referred to as a manager). What is your account balance?
This is the amount of money deposited by the person who gives and receives money to the administrator.

A person who intends to transfer money on the Internet first applies to the manager for opening an account. For example, an application is made by e-mail, telephone, mail or the like, and at this time, the amount to be deposited is transmitted to the administrator. continue,
The applicant pays the amount to the administrator by bank transfer or the like. When the administrator confirms that the applied amount has been paid, the administrator inputs the information of the applicant (name, etc.) and the received amount to the management center device 11. The management center device 11 assigns an ID number to the applicant,
The received amount is registered in the account database 12 as the account balance together with the D number. Further, when there is a payment again from the applicant who has already assigned the ID number, the management center device 11 updates the account balance according to the instruction of the administrator.

The administrator notifies the user of each of the terminal devices 21a and 21b of the ID number. As described above, each of the terminal devices 21a and 21b receives and stores this ID number.

When the money deposited by the manager is to be withdrawn, the manager is requested to do so. The administrator returns the deposited money to the applicant by bank transfer or the like. Then, the administrator inputs the amount dropped by the applicant into the management center device 11, and the management center device 11 reduces the amount of the account balance by the amount.

Since the administrator manages the management center device 11 and the server device 1, the ISP not only manages the amount of money deposited from Internet users, but also provides an Internet connection service and a WEB page opening service. Also plays a role. Further, the server device 1 may be managed by an ISP different from the administrator.

Next, the operation will be described. When the web page creator intends to receive a price for the published content, screen information having a “payment icon” is created. The terminal device 21b receives the screen information and transmits the screen information to the server device 1. At this time, the terminal device 21b also transmits the ID number of the web page creator to the server device 1. The server device 1 stores the received screen information and ID number in the storage device 3. On the other hand, the terminal device 2
1a transmits a screen information transmission request to the server device 1 when a URL or the like of the web page is input from a web page viewer. The server device 1 transmits the screen information of the WEB page to the terminal device 21a in response to the transmission request.

The terminal device 21a that has received the screen information from the server device 1 displays a web page on the output unit 26.
FIG. 2 shows an example of a web page having a “payment icon”. When a person who browses the WEB page is satisfied with the content or the like and tries to pay a tip to the creator, the viewer clicks the “payment icon” with the mouse the number of times corresponding to the amount of the tip. The control unit 22 includes, for example,
Each time the “payment icon” is clicked once with the left button of the mouse, the payment amount is added by 10 yen and 1 button is clicked with the right button.
Each time the button is clicked, the amount is reduced by 10 yen. In the case of this example, after the viewer clicks the left mouse button six times on the “payment icon” and thinks that the tip has been paid too much, and clicks the right button once, the control unit 22 sets the payment amount to 50 yen. Count as When the “payment icon” is double-clicked, the control unit 22 transmits the counted payment amount information and the ID number of the viewer to the server device 1. That is, by double-clicking the icon, the payment of the tip is determined. Note that the operation of the “payment icon” shown here is an example, and the amount of payment may be counted by another operation.

FIG. 3 is an explanatory diagram showing transmission / reception of information of the terminal device 21a, the server device 1, and the management center device 11 when the "payment icon" on the WEB page is used in the terminal device 21a of the viewer. It is. As described above, when the “payment icon” is double-clicked, the control unit 22 of the terminal device 21a transmits the payment amount information and the ID number of the viewer to the server device 1 (step S1). The server device 1 adds the ID number of the web page creator to the information received from the terminal device 21a, and transmits the information to the management center device 11 (step S2). The management center device 11 reduces the account balance corresponding to the ID number of the viewer by the payment amount, and increases the account balance corresponding to the ID number of the web page creator by the payment amount. The management center device 11 transmits the updated account balance of the web page creator to the server device 1 (step S3).

After the step S2, when the account balance of the viewer is reduced by the payment amount, since the account balance is small,
Viewers may not be able to pay. At this time, the management center device 11 transmits the information to that effect to the terminal device 21a, and does not update the account balance of the web page viewer and the creator. After that, if the viewer performs a payment procedure to the account within a certain period, the account balance of the web page viewer and the creator may be updated.

The web page shown in FIG. 2 can be browsed even by a person who has not opened an account in the management center device 11. When such a person uses the "payment icon", the ID number is not transmitted in step S1, and the server device 1 and the management center device 11 execute the processing in step S2.
Do not perform subsequent operations.

The creator of the web page prepares screen information for displaying his / her account balance in advance separately from the web page to be disclosed to others. Terminal device 2
1a transmits this screen information to the server device 1 and stores it in the server device 1. When the web page creator wants to check the account balance, the terminal device 21b transmits the transmission request for the screen information and the ID number to the server device 1. After confirming that the received ID number matches the ID number of the web page creator, the server device 1 transmits the screen information including the latest account balance information received from the management center device 11 to the terminal device 21b. I do. The server device 1 has I
Since the screen information of the account balance is transmitted only when the D number is confirmed, others cannot confirm the account balance of the creator of the web page.

When a person who has not created the WEB page himself / herself inquires about the account balance, the terminal device 21a requests the management center device 11 to transmit the account balance screen information and the ID number in accordance with the user's instruction. And send. The management center device 11 transmits screen information including information on the account balance corresponding to the ID number to the terminal device 21a. Further, the terminal device 21a transmits a request for checking the account balance and the ID number to the management center device 11 by e-mail,
1 may send back the account balance corresponding to the ID number to the terminal device 21a by e-mail. Also in this case, since the management center apparatus 11 transmits only the account balance corresponding to the received ID number, it is not possible to browse the account balance of another person.

Management center device 11 and server device 1
Encrypts and holds the information of the account balance, and proceeds to step S3
It is desirable that the account balance transmitted / received in is also transmitted / received in an encrypted state. In this case, the management center device 1
When the terminal device requests screen information for displaying the account balance, the server device 1 and the server device 1 decode the account balance and transmit the screen information to the terminal device.

As shown in FIG. 4, the account database 12 may also be configured to manage the total amount paid by the “payment icon”. In this case, the management center measure 11 transmits the total amount together with the account balance and the like in step S3. Although the account balance cannot be viewed by others, the accumulated amount paid by the “payment icon” is, for example, the WE shown in FIG.
It may be included in the screen information of page B. If the total amount of chips is displayed, the degree of evaluation of the WEB page can be disclosed to others.

As described above, the use of the money transfer management system constituted by the server device 1 and the management center device 11 provides a means for a web page viewer to easily pay a tip to the creator. Becomes possible.
In addition, an individual, a company, or the like that creates a web page having a “payment icon” can earn income from a chip by creating a web page with sufficient contents.
And even if the amount of one chip is small, there is a possibility that a large amount of income will be obtained by being viewed by many people. In particular, for a company, it is possible to research what kind of information is attracted by checking the type of information for which a large amount of chips have been paid.

The money transfer management system according to the present invention comprises:
It can be applied not only to tip payment to the EB page creator but also to fundraising on the Internet. For example, a volunteer organization creates screen information of a WEB page having a “payment icon” as shown in FIG. If the web page viewer uses the “payment icon”, the steps S1 to S
The operations up to 3 are performed, and the account balances of the viewer and the volunteer organization are updated in the management center device 11.

Conventional fund-raising activities have been carried out by collecting money in a street fund-raising box or by transferring money to a bank or the like. However, if a money transfer management system is used, a fund-raising person can make a fund-raising more easily. Thus, according to the present invention, a new form of volunteer activity using the Internet can be realized. Also, in order to report the volunteer activity to the donator, it would be desirable to display the total amount of the donation paid by the “payment icon” and the result of the volunteer activity on the WEB page.

Further, the image of the "payment icon" displayed on the web page may be displayed so as to change with the operation of the viewer. For example, a piggy bank icon shown in FIG. 6A is displayed, and if the amount of payment is increased by operating the icon, as shown in FIG. 6B, an image showing the increase in the contents of the piggy bank is displayed. I do. Then, when the control unit 22 transmits the payment amount information to the server device 1 in step S1, as shown in FIG. 6 (c), the image that the piggy bank icon flows through the river and reaches the web page creator is illustrated. The image to be displayed is displayed.
After step S1, the same icon as that shown in FIG. 6A is displayed again. Note that the image of the icon shown in FIG. 6 is an example, and may be an image indicating another movement such as the movement of a vehicle loaded with a savings box. The icon shape is not limited to the piggy bank type.

As described above, the “payment icon” changes according to the amount of payment, or changes at the time of transmitting information in step S1, so that the viewer of the WEB page can determine the amount of money to be paid, You can be aware that you are sending money information. In particular, those who have donated money will be able to have the consciousness of "contributing to society through donations."

Instead of displaying the "payment icon" on the web page, a column for inputting the amount of payment and a transmission button as shown in FIG. 7 may be displayed. In this case, the control unit 22 transmits the input amount to the server device 1 when the transmission button is pressed. Other operations are the same as those in the above embodiment except that the display and the input form of the viewer are different.

Further, as described above, the administrator who manages both the management center device 11 and the server device 1 can use the ISP.
Also plays a role. The ISP having the server device 1 in the money transfer management system can provide a service of simple money transfer by icon operation to ISP members. If this service is used, the creator of the WEB page will be able to expect income from tips and the like. Other ISPs who want to provide such services to members
By signing a contract with another server, another ISP may be permitted to use a server device having the same function as the server device 1. Such an ISP would be expected to subscribe to users who want to provide the service.

In addition, money is not exchanged by operating the icons, but the user of the Internet
a, directly sends the ID number, the payment amount, and the information (name, etc.) of the payee by e-mail to the management center device 11, and updates the account balance of the person who pays and the person who is paid by the management center device 11. May be. If money is exchanged in this manner, payment of money in mail order and the like can be easily performed. The ISP managing the server device 1 has an account in the management center device 11 and
When receiving the membership fee from the member of P, the membership fee may be received from the account balance of the member in the management center device 11.

[0042]

According to the money transfer management system and the money transfer management method of the present invention, a web page viewer can use the web
Screen information of a WEB page provided with a display portion for inputting the amount of money to be paid to the page creator is transmitted to the terminal device, and the management center device displays the WEB page viewer based on the amount of money input at the display portion. , Update the amount of money deposited from the web page creator. Therefore, WEB
The page creator can easily receive money from the web page viewer by providing such a display portion on the web page.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of a money transfer management system according to the present invention.

FIG. 2 is an explanatory diagram illustrating an example of a web page having a “payment icon”.

FIG. 3 is an explanatory diagram showing transmission and reception of information of a terminal device, an Internet server device, and a management center device.

FIG. 4 is an explanatory diagram showing another example of data managed by an account database.

FIG. 5 is an explanatory diagram showing another example of a web page having a “payment icon”.

FIG. 6 is an explanatory diagram showing an example of a “payment icon”.

FIG. 7 is an explanatory diagram showing an example of a payment amount input field and a transmission button.

[Explanation of symbols]

 1 Internet server device 11 Management center device 12 Account database 21a, 21b Terminal device

Claims (8)

[Claims] 1. An Internet server device for transmitting screen information of a Web page via the Internet in response to a request from a terminal device of a Web page viewer, and an amount of money deposited from a user of the Internet together with an ID number of the user. A money transfer management system comprising a management center device for managing, wherein the Internet server device has a Web page viewer
Screen information transmitting means for transmitting screen information of a web page provided with a display portion for inputting the amount of money to be paid to the EB page creator and payment confirmation information; and inputting the money amount and payment confirmation information in the display portion Information receiving means for receiving the information of the ID number of the web page viewer and the amount of money from the terminal device which has been selected, and the management center device which adds the ID number of the web page creator to the information received by the money information receiving means. And a monetary information transmitting means for transmitting the information to the management center device from the Internet server device.
ID number of B page viewer, ID of WEB page creator
Update information receiving means for receiving information on the number and the amount of money; and amount updating means for updating the amount of money deposited from a web page viewer and a web page creator based on the information received by the update information receiving means. A money transfer management system characterized by comprising: 2. The money transfer according to claim 1, wherein the display portion on the WEB page where the WEB page viewer inputs the amount of money to be paid to the WEB page creator and payment confirmation information is an icon. Management system. 3. The icon indicates that a web page viewer has a web page.
3. The money transfer management system according to claim 2, wherein the display image is changed when the amount of money to be paid to the creator of the B-page is input and when the payment confirmation information is input. 4. The management center device according to claim 1, wherein each web page creator manages the total amount paid by a web page viewer together with the amount of money deposited from an Internet user. The money transfer management system according to claim 3. 5. The update information receiving means of the management center device,
The information of the person who pays the money, the information of the person to be paid, and the amount to be paid are directly received from the terminal device, and the amount updating means is based on the information received by the update information receiving means from the terminal device and the person who pays the money and is paid. The money transfer management system according to claim 1, wherein the amount of money deposited from a person is updated. 6. An Internet server device for transmitting screen information of a WEB page via the Internet according to a request from a terminal device of a WEB page viewer, and the amount of money deposited from an Internet user is managed together with the ID number of the user. A money transfer management method using a management center device, wherein the Internet server device has a
Transmitting the screen information of the WEB page having a display portion for inputting the amount of money to be paid to the EB page creator and the settlement information of the payment; Receiving the information of the ID number and the amount of money of the web page viewer from the terminal device to which the web page is input, and the internet server device adds the ID number of the web page creator to the information received from the terminal device and manages the information. Transmitting to the center device, and the management center device
ID number of B page viewer, ID of WEB page creator
Receiving the information on the number and the amount of money; and updating the amount of money deposited from the web page viewer and the web page creator based on the information received from the Internet server device by the management center device. A money transfer management method characterized in that: 7. A recording medium on which a money transfer management program for managing money transfer by a computer is recorded, wherein the program is stored in a Web server.
A WE having a display part for a page viewer to input the amount of money to be paid to the web page creator and payment confirmation information
The screen information of the page B is transmitted, and the information of the ID number and the amount of money of the WEB page viewer is received from the terminal device to which the amount of money and the settlement information of the payment have been input at the display portion, and the information is received from the terminal device. A recording medium in which a money transfer management program is recorded, wherein information is added to an ID number of a web page creator and transmitted to a management center device. 8. A recording medium recording a money transfer management program for managing money transfer by a computer, wherein the program stores the ID number of a web page viewer and the creation of a web page from an Internet server device. Receiving and receiving information on the ID number of the user and the amount of money, and updating the amount of money deposited from a Web page viewer and a Web page creator based on the information received from the Internet server device. A recording medium on which a program is recorded.