JP2019114063A - Transfer processing device, transfer processing method, and program - Google Patents

Abstract

To solve the problems in which there was no mechanism to support a remitter to perform appropriate transfer for each of one or more events to each of one or more target persons.SOLUTION: The transfer processing device includes: a target person information storage unit in which one or more pieces of target person information having a target person identifier for identifying a target person and one or more pieces of event information on an event of the target person is stored; a transfer instruction receiving unit that receives event identification information identifying event information, a remitter identifier that identifies a transferee, and a transfer instruction having a target person identifier that identifies a target person of transfer; a transfer processing unit that performs transfer processing for transferring an amount of money indicated by money amount information corresponding to the transfer instruction from an account of the remitter identified by the remitter identifier possessed by the transfer instruction to an account of the target person identified by the target person identifier possessed by the transfer instruction; and a transfer information storage unit for storing transfer information on transfer processing according to the transfer process in association with the event information specified by the event specifying information possessed by the transfer instruction.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transfer processing apparatus and the like that perform processing related to transfer.

  Conventionally, for example, there has been a transfer processing apparatus for efficiently and accurately performing a plurality of transfer requests (see, for example, Patent Document 1). In addition, in a transfer processing system for carrying out processing for transfer in a financial institution, there has also been a technique for enabling the work of a person involved in the transfer to be efficient (see, for example, Patent Document 2).

Unexamined-Japanese-Patent No. 2010-271859 JP, 2009-123171, A

  However, conventionally, the transferee (e.g., grandmother) is appropriate for each of one or more subjects (e.g., grandchildren) for each of the one or more events (e.g., going to school, birthday, new year, etc.) of the subject. There was no mechanism to support the transfer.

  A transfer processing apparatus according to a first aspect of the present invention is a target person information storage unit in which one or more target person information having a target person identifier for identifying a target person and one or more pieces of event information on an event of the target person is stored Transfer instruction reception unit for receiving a transfer instruction having event specification information specifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a transfer target person, and a transferee having a transfer instruction Transfer processing unit that performs a transfer process for transferring the amount indicated by the amount information corresponding to the transfer instruction from the account of the transferee identified by the identifier to the target person identified by the target person identifier included in the transfer instruction And a transfer information storage unit for storing transfer information related to the transfer processing in association with event information specified by the event specifying information included in the transfer instruction according to the transfer processing. Is that the transfer processing apparatus.

  According to this configuration, it is possible to provide a mechanism for supporting the transferee to properly transfer money to each of one or more subjects for each of the one or more events of the subject.

  Further, in the transfer processing apparatus according to the second aspect of the present invention, in relation to the first aspect of the present invention, the transferee identifier, transferee contact information indicating the contact address to the transferee identified by the transferee identifier, and the transferee A transferee information storage unit in which one or more transferee information having one or more target person identifiers for identifying a target person related to a person is stored, and a target person identifier held by transferee information in the transferer information storage unit The recommended information is transferred to the transferee using the recommended information acquisition unit that acquires recommended information to recommend transferring to the account of the target person based on the event information to be And a recommendation information notification unit for notifying the information processing apparatus.

  According to this configuration, it is possible to support the transferer to appropriately transfer money by recommending the transferer for the transfer for each one or more events of one or more target persons.

  In the transfer processing apparatus according to the third aspect of the present invention, the recommendation information acquisition unit recommends that the transfer person is to be deposited based on the one or more pieces of event information. It is a transfer processing device that acquires recommended information.

  According to such a configuration, it is possible to support the transferer to reasonably perform the transfer by recommending the transferee to deposit for each one or more events of each of the one or more target persons.

  In the transfer processing apparatus according to the fourth aspect of the present invention, in the third aspect, the recommendation information acquisition unit determines the recommended amount of money for reserve accumulation based on one or more pieces of event information. And a recommendation information acquisition unit for acquiring recommendation information having recommendation amount information indicating a recommendation amount.

  With this configuration, the amount of money is determined for each of the one or more target persons for each of the one or more target persons, and the transferee is able to reasonably transfer the amount of money by recommending the accumulation of the amount of money. I can support it.

  In the transfer processing apparatus according to the fifth aspect of the present invention, in the first aspect, the target person information has target person contact information indicating a contact address to the target person, and the transfer instruction is received. A transfer related information notification unit that notifies the target person of transfer related information indicating that the transfer processing has been performed or that the transfer processing is to be performed, using the target person contact information paired with the target person identifier; The transfer processing apparatus further comprises

  With this configuration, it is possible to make the target person perceive the transfer from the transferee.

  In the transfer processing apparatus of the sixth aspect of the present invention, in the fifth aspect, a response information receiving unit for receiving response information, which is a response to transfer result information, from a target person's terminal of a target person; It is a transfer processing apparatus which further comprises a response information notification unit for notifying a transferee of response information by using transferee contact information.

  With this configuration, it is possible to notify the transferee that the target person has perceived the transfer.

  Further, in the transfer processing apparatus of the seventh aspect of the present invention, the response information also includes a photographed picture, and further includes a response information storage unit that stores the response information in association with the event information. Transfer processing device.

  According to this configuration, the transferee can see, for example, the photograph taken at the time of the event corresponding to the transfer, to the transferer in addition to the response.

  The transfer processing apparatus according to the eighth aspect of the present invention is the transfer processing apparatus according to the sixth or seventh aspect, wherein the transfer processing unit performs the transfer processing after the response information receiving section receives the response information.

  According to this configuration, if there is no response, no transfer will be made, so it is possible to promote the response from the subject to the transferee.

  According to the present invention, it is possible to provide a mechanism for supporting the transferee to properly transfer money to each of one or more subjects for each of the one or more events of the subject.

Block diagram of the information system in the embodiment Flow chart explaining an operation example of the transfer processing apparatus Flow chart for explaining an operation example of a transferee terminal Flow chart for explaining the operation example of the target person terminal Data structure diagram of target person information A diagram showing an example of a screen output by the transferor terminal A diagram showing an example of a screen output by a target person's terminal A diagram showing another example of the screen output by the transferor terminal A diagram showing an example of an event list screen output by another transferee terminal Appearance of computer system A diagram showing an example of the internal configuration of a computer system

  Hereinafter, an embodiment of an information system including a transfer processing apparatus and the like will be described with reference to the drawings. In addition, since the component which attached the same code in embodiment performs the same operation | movement, description for the second time may be abbreviate | omitted.

  FIG. 1 is a block diagram of an information system in the present embodiment. This information system comprises a money transfer processing device 1, a money transferer terminal 2, and one or more target person terminals 3. The transferee terminal 2 and each of the one or more target person terminals 3 are communicably connected to the transfer processing apparatus 1 via, for example, a network such as a LAN or the Internet, a wireless or wired communication line, or the like.

  The transfer processing apparatus 1 may be, for example, a server of one bank that manages the account of each of the transferee and one or more target persons, or a server or a cloud server of a company that operates the information system. It does not matter. In the latter case, it is preferable that the transfer processing apparatus 1 is communicably connected to a server of one or more banks that manage the transferee's or the subject's account, for example, via a network or the like. However, the type and location of the transfer processing apparatus 1 do not matter.

  The payee terminal 2 is a payee terminal. A transferee is a person who transfers money. The transferee may be, for example, a grandmother or a grandfather, or may be a mother or a father, an aunt or an uncle, or any person who can transfer money. The terminal of the transferor is, for example, a portable terminal carried by the transferor, but may be a PC of the transferor's home, office, etc., regardless of whereabouts or type. In addition, although a portable terminal is a smart phone, a tablet terminal, a mobile telephone etc., for example, the kind is not ask | required.

  The target person terminal 3 is a terminal of a target person. The target person is the person who receives the transfer from the transferee. The subject is, for example, a grandchild, a child, a wolf or a wolf, but any person who can receive a transfer from a transferee such as a grandmother may be used. Also, the target person may be an agent. An agent is a person who receives money on behalf of the subject. The agent is, for example, the mother or father of the transferee's grandchild if the object person is the transferee's grandchild, but any person who can receive the transfer in place of the object person may be used. The terminal of the target person is also, for example, a portable terminal, but may be a PC or the like, regardless of whereabouts or type.

  In the present embodiment, the number of transferees is one or two or more. Further, the number of transferee terminals 2 constituting the information system is one or two or more. Also, for example, the transfer processing apparatus 1 may also have the function of the transferer terminal 2, and in this case, the transferer terminal 2 may be omitted from the information system.

  The payment processing apparatus 1 includes a storage unit 11, a reception unit 12, a processing unit 13, and a transmission unit 14. The storage unit 11 includes a target person information storage unit 111 and a payee information storage unit 112. The receiving unit 12 includes a transfer instruction receiving unit 121 and a response information receiving unit 122. The processing unit 13 includes a money transfer processing unit 131, a money transfer information storage unit 132, a recommendation information acquisition unit 133, and a response information storage unit 134. The recommended information acquisition unit 133 includes a recommended amount determination unit 1331 and a recommended information acquisition unit 1332. The transmission unit 14 includes a recommendation information notification unit 141, a transfer related information notification unit 142, and a response information notification unit 143.

  The transferor terminal 2 includes a transferor storage unit 21, a transferor reception unit 22, a transferor output unit 23, a transferor reception unit 24, a transferor transmission unit 25, and a transferor processing unit 26.

  The target person terminal 3 includes a target person storage unit 31, a target person reception unit 32, a target person output unit 33, a target person reception unit 34, a target person transmission unit 35, and a target person processing unit 36.

  The storage unit 11 constituting the money transfer processing device 1 can store various types of information. The various types of information include, for example, target person information and payee information described later. Other information will be explained as appropriate.

  The target person information storage unit 111 stores one or more pieces of target person information. The target person information is information on the target person. The target person information usually has a target person identifier and one or more pieces of event information.

  The target person identifier is information for identifying a target person. The target person identifier is, for example, a name, a nickname, an ID or the like, but may be a terminal identifier or any information as long as it can identify the target person. The terminal identifier is information for identifying the terminal of the object person. The terminal identifier is, for example, a MAC address or an IP address, but may be an ID or any information as long as it can identify a terminal of a target person. The target person identifier may be shared with, for example, target person contact information described later.

  Event information is information on an event of a target person. An event is, for example, an event suitable for a target person such as a grandchild to receive a transfer such as a celebration from a transferee such as a grandmother among various events encountered in the growth process. An event is, for example, a higher education, graduation, an adult, a birthday, a new year (new year's party), etc., but the type is not limited.

  The event information may include, for example, one or more information of type information or timing information. Type information is information indicating the type of event. The type information is, for example, "new-year-old ball", "advanced school", "birthday", etc., but may be an ID, regardless of the type and expression format. The time information is information indicating the time of an event. The period information is, for example, date (including year, even year and month), age, school year, season, etc., but any information that can indicate the period may be used. Specifically, the event information is, for example, "New Year's Day, January 1, 2018", "Spring in 2018, entrance to elementary school", "birthday, December 9, 2017, 16 years old" and the like. Alternatively, the event information may be, for example, information on events that occur on the same day every year without having time information indicating a specific year, such as “New Year's Day, January 1” or “Children's Day”. Alternatively, the event information does not have time information indicating a specific year, such as “year-old ball, January 1” or “birthday June 5”, and the event information is recorded every year on the same day. It may be information.

  Further, it is preferable that the target person information also has target person contact information, for example. The subject contact information is information indicating a contact to the subject. The contact information of the target person is, for example, an e-mail address, a telephone number, or the like, but may be a URL of a web page, and any information that enables contact to the target person. Specifically, the target person contact information may be, for example, “AA @... Ne.jp” or “090.

  Furthermore, the target person information may also include, for example, a photographed picture. The photograph is, for example, a photograph obtained by photographing a target person identified by a target person identifier included in the target person information, for example, with a camera or a smartphone. The photo will be described later. In addition, it is preferable that a photo be obtained from response information described later.

  For example, when the number of transferees is two or more, the target person information storage unit 111 includes two or more sets of a transferee identifier described later and one or more pieces of target person information as described above. It may be stored. Two or more sets are, for example, a set of a transferor identifier “X” and event information 1 to 3 (see FIG. 5: described later) etc., a transferer identifier “Y” and event information 4 etc (not shown) And so on.

  Transferee information storage unit 112 stores transferee information. Transferee information is information on a transferee. The transferee information includes, for example, a transferee identifier, transferee contact information, and one or more target person identifiers.

  The transferee identifier is information for identifying a transferee. The transferor identifier is also, for example, a name, a nickname, an ID, etc. However, it may be a terminal identifier for identifying the transferer's terminal, or may be shared with the transferor contact information.

  The transferee contact information is information indicating a contact address to the transferee identified by the transferee identifier. The contact information of the target person is also, for example, an e-mail address, a telephone number or the like, but may be a URL of a web page, or any information as long as the information enables the transferer to be contacted.

  One or more subject person identifiers (hereinafter sometimes referred to as a subject person identifier group) included in the subject person information is a set of information for identifying one or more subject persons related to the transferee. The subject associated with the transferee is usually a person (e.g., a grandchild) who receives the transfer from the transferee (e.g., grandmother). The target person identifier group is, for example, a set of one or more names and the like, but may be a set of one or more e-mail addresses and the like.

  In the present embodiment, usually, only one piece of transferee information is stored in the transferee information storage unit 112, but two or more pieces of transferee information may be stored.

  The receiving unit 12 receives various types of information. The various types of information include, for example, a transfer instruction described later, and response information described later.

  The receiver 12 may receive, for example, an event list output instruction from the transferor terminal 2. The event list output instruction is an instruction to output an event list screen. The event list screen is a screen on which event information for each of one or more target persons corresponding to one transferee can be listed. The event list screen includes, for example, all or part of one or more pieces of event information of the subject for each of the one or more subjects. Specifically, for example, it is preferable that the event list screen includes, for each of one or more subjects, event information on an event that will come next.

  Also, the receiving unit 12 may receive, for example, a transfer information output instruction from the transfer person terminal 2. The transfer information output instruction is an instruction to output one or more transfer information items stored in the storage unit 11. Furthermore, the receiving unit 12 may receive, for example, a response information output instruction from the payer terminal 2. The response information output instruction is an instruction to output one or more pieces of response information stored in the storage unit 11.

  The transfer instruction receiving unit 121 receives a transfer instruction from the transfer terminal 2. The transfer instruction in the present embodiment is an instruction to the transferee to perform transfer to one target person in relation to one event of the target person. The transfer instruction includes, for example, event identification information, a transferee identifier, and a target person identifier. Event identification information is information for identifying event information. The event identification information is, for example, an event ID, an event name, etc., but any information that can identify event information may be used. The event ID may be, for example, "AA, 3rd" or the like, and the event name may be, for example, "AA's 6th birthday" or the like.

  In addition, the transfer instruction usually also includes money amount information. The money amount information is information indicating the amount of money transferred. The amount of money transferred is, for example, a money amount specified by the money transferring person, but may be a fixed amount. It is preferable that the money amount information included in the transfer instruction indicates, for example, a money amount according to one or more pieces of information of the attribute of the subject or the type of the event. The attribute of the subject may be, for example, an age such as 6 years old, a middle grade 3 grade, etc. The type of event may be, for example, high school, new year, birthday, etc. Specifically, the amount information may be, for example, 2,000 yen if the target person is 6 years old and the event is advanced to school, or 5,000 yen if the target person is middle 3 and the event is graduation etc. .

  The reply information receiving unit 122 receives the reply information from the target person terminal 3. The reply information is information that the target person replies to the transferee in response to the transferee being notified of the transfer related information.

  The transfer related information is information for notifying the target person that the transfer processing has been performed or that the transfer processing is to be performed. The transfer-related information may be, for example, a character string indicating that a transfer process has been performed, or a symbol indicating transfer or a pictogram of money. Further, it is preferable that the transfer related information includes, for example, one or more types of information among a transferor identifier, amount information, or time information. Further, it is more preferable that the transfer related information includes, for example, event specific information or type information.

  Specifically, the transfer-related information may be, for example, a character string such as "I transferred 5000 yen for the celebration of the adult ceremony from my grandma" or "I will give a new year's gift".

  The response information is, for example, a character string such as “thank you” (hereinafter, may be referred to as a response text), but may include a symbol, a pictogram, and the like. Further, it is preferable that the response information includes, for example, a photograph taken by a camera in addition to or in place of a response or the like input by an input device such as a touch panel. For example, a photograph of a face of the subject is suitable, but a group photograph of a family may be used. Further, it is preferable that the photograph is, for example, a photograph taken at the time of the event, in that the transferee can know the status of the target person.

  Furthermore, the response information usually has a subject person identifier and event specific information. However, one or more types of information of the target person identifier or the event identification information may be transmitted or received in pairs with the response information configured by, for example, a character string or the like.

  The response information receiving unit 122 normally receives the above-mentioned response information from the target person terminal 3 of the target person in response to the notification of the transfer related information to the target person by the transfer related information notification unit 142 described later.

  The processing unit 13 performs various processes. The various processes are, for example, processes of the transfer processing unit 131, the transfer information storage unit 132, the recommended information acquisition unit 133, the recommended amount of money determination unit 1331, the recommended information acquisition unit 1332, the response information storage unit 134, and the like. The various types of processing also include various types of determination described in the flowchart.

  The processing unit 13 holds, for example, screen configuration information, and when the reception unit 12 receives an event list output instruction, the processing unit 13 holds two or more pieces of target person information of the target person information storage unit 111, and The event list screen may be configured using existing screen configuration information and the like. The screen configuration information is information for configuring an event list screen. The screen configuration information may include, for example, one or more types of information of text information or image information, and layout information. Layout information is information indicating an arrangement of character information and the like in the screen.

  Further, the processing unit 13 responds to the response information among the one or more pieces of the target person information stored in the target person information storage unit 111, for example, in response to the response information receiving unit 122 receiving the response information. A process of updating the photo included in the target person information to be performed to the photo included in the received response information may be performed.

  The transfer processing unit 131 performs a transfer process when the transfer instruction receiving unit 121 receives a transfer instruction. The transfer process is a process related to the transfer. Transfer processing in this embodiment normally corresponds to a transfer instruction from the account of the transferee identified by the transferee identifier included in the transfer instruction to the account to the target person identified by the target person identifier included in the transfer instruction. Processing for transferring the money amount indicated by the money amount information.

  The transfer process may be a transfer of electronic money from the transferor's bank account to the target person. The electronic money may be stored in the object person terminal 3, or the balance may be managed on a server of electronic money.

  Further, the transfer process may be performed in such a manner that the target person can recognize the transfer person and the event. The transfer processing unit 131 may transfer information in such a manner as to be able to recognize information on a virtual account (for example, for each transferee and event, elementary school entrance from grandma and 7553 from grandpa). Specifically, when the transfer process is a transfer to a bank account of a target person, the transfer process unit 131 may generate a virtual account at the time of transfer. When the transfer process is the transfer of electronic money, the transfer processing unit 131 may be able to manage the electronic money in a manner that the transferee or the event can be recognized.

  When the target person (grandchild) withdraws from the bank account, the transfer processing unit 131 can grasp the transferee (grandma) and the event information (elementary school admission) based on the virtual account of the withdrawal destination. May be Also when electronic money is used, it may be possible to similarly grasp the transferee and the event information.

  In addition, when the target person (grandchild) withdraws from the bank account, the transfer processing apparatus 1 may be notified of that from the bank server, and may send response information to be described later to the target person terminal 3. Similarly, even when the target person (grandchild) uses the electronic money from the target person terminal 3, the response information may be created at the target person terminal 3.

  The transfer process may be, for example, transmission of information to a bank server. The information to be transmitted may include, for example, account information of the transferee, account information of the target person, and money amount information. Account information is information on an account. The account information includes, for example, a name, an account number, and the like. Alternatively, the transfer process may be a process for supporting the transfer. The transfer process may be, for example, printing of a transfer document or the like, regardless of the type.

  The transfer itself may be considered to be included or not included in the transfer process. Further, the money amount information corresponding to the transfer instruction is, for example, the amount information held by the transfer instruction, but may be predetermined fixed amount information.

  The transfer processing unit 131 may perform the above-described transfer processing, for example, in response to the transfer instruction receiving unit 121 receiving the transfer instruction. Note that performing the transfer process in response to the reception of the transfer instruction usually means performing the transfer process immediately after receiving the transfer instruction or as soon as possible.

  However, in the transfer processing unit 131, for example, the transfer instruction receiving unit 121 receives the transfer instruction, the transfer related information notifying unit 142 described later transmits the transfer related information, and the response information receiving unit 122 receives the response information. It is preferable to carry out the transfer process after the transaction. In this way, it is possible to promote the reply from the target person to the transferee. However, the timing when the transfer processing unit 131 performs the transfer processing does not matter.

  The transfer information storage unit 132 stores transfer information in the storage unit 11 in accordance with the transfer processing by the transfer processing unit 131. The transfer information is information on the transfer process. The transfer information may be, for example, money amount information, or a combination of a target person identifier and money amount information.

  Specifically, for example, in response to the transfer processing by the transfer processing unit 131, the transfer information storage unit 132 specifies the transfer information related to the transfer processing by the event specifying information included in the transfer instruction received by the transfer instruction receiving unit 121. May be stored in the storage unit 11 in association with event information.

  The recommendation information acquisition unit 133 acquires recommendation information based on one or more pieces of event information. The recommendation information is information for recommending the transferee to perform an action related to one or more events of one or more subjects. The action related to the event may be, for example, transfer of celebrations or new year's balls, etc., for events such as high school or new year, or may be deposited in preparation for such transfer.

  The recommendation information may be, for example, information to the effect that the transferee is recommended to transfer money to the target person's account. That is, the recommended information acquisition unit 133 transfers the account of the target person identified by the target person identifier based on the event information that is paired with the target person identifier included in the transfer person information of the transferee information storage unit 112. Recommendation information to recommend may be acquired.

  Specifically, the recommended information acquisition unit 133 specifies, for example, the time (for example, January 1, 2018, etc.) of the next event of each target person, from one or more event information for each of the two or more target persons. Do. Then, the recommended information acquisition unit 133, for example, that the current time included in the date and time information acquired from the built-in clock of the MPU, the NTP server, or the like matches the time of the next event of each identified subject, or According to having become a predetermined period (for example, two days etc.) ago from this time, the recommendation information which recommends transfer (For example, transfer of an old-age ball) to each object person is acquired. In addition, recommendation information to the effect of recommending transfer includes, for example, a character string corresponding to one or more target person identifiers and a character string corresponding to type information.

  The recommended information acquisition unit 133, for example, when event information including time information corresponding to the date of the date and time information acquired from the built-in clock etc. is present in one or more pieces of event information of one target person, Recommendation information may be acquired to recommend transfer of the event information to the subject regarding the event. As an example, when the current date is October 5, 2017, the recommended information acquisition unit 133 includes three or more pieces of event information included in the subject person information 1 (see FIG. 5: described later) corresponding to the subject person AA. Among them, the type information “birthday” is acquired from the first event information having the time information “October 5, 2017, 6 years old” corresponding to the date, and the acquired type information “birthday” and the target person identifier You may use "AA" to obtain the recommended information "We recommend that you transfer birthday celebration to AA."

  Also, for example, when there is a common or corresponding event between two or more subjects, the recommendation information acquisition unit 133 recommends transfer of the common event to the two or more subjects. Recommendation information may be obtained. As an example, in the recommendation information acquisition unit 133, the second event information included in the target person information 1 of the target person AA is “new year ball, January 1, 2018”, and the target person information 2 of the target person BB (FIG. Since the event information included in 5) is “Oenyuda, 2018”, it is determined that there is a common or corresponding event “Oenoke of 2018” between the target persons AA and BB. And, if the current date is January 1, 2018 or a certain period before (the previous day etc.), the recommended information acquisition unit 133 recommends that the recommended information “AA-chan and BB-san transfer the new year balls Get ".

  Alternatively, the recommendation information may be, for example, information to the effect that the transferee is recommended to make a deposit for transfer. That is, the recommendation information acquisition unit 133 acquires recommendation information to the effect that the transferee is recommended to make a deposit, based on, for example, one or more pieces of event information. The one or more pieces of event information may be a set of one or more pieces of event information for one or more subjects, or may be one or more pieces of event information of one of the one or more subjects.

  Specifically, the recommended information acquisition unit 133 specifies, for example, the next event (for example, going to school etc.) of the target person from one or more pieces of event information of one target person, for example, the time of the specified event (for example, , And the like in spring 2018), and obtains recommended information for recommending accumulation in preparation for transfer to the subject before a predetermined period (for example, two months etc.).

  Alternatively, for example, the recommended information acquisition unit 133 identifies an event (for example, a new year etc.) common to the two or more target persons from one or more event information for each of the two or more target persons, and With respect to a period (for example, January 1 of the following year), before a predetermined period (for example, two months etc.), recommendation information for recommending a reserve for transfer to the two or more subjects is acquired.

  Alternatively, for example, the target person information includes the date of birth or age or school year, and the recommendation information acquisition unit 133 determines the time of an event (for example, an adult ceremony etc.) specified from the date of birth Before about a predetermined period (for example, 5 months etc.), the recommendation information for recommending the stock preparation for the transfer of the specified event of the subject person is acquired prior to about January 10).

  The recommendation information for recommending accumulation includes, for example, one or more character strings corresponding to the subject person identifier and a character string corresponding to the recommended amount. The recommended amount is information indicating the recommended amount of accumulation. The recommended amount may be, for example, information indicating a monthly accumulation amount or information indicating a total accumulation amount. The total reserve amount is the sum of the monthly reserve amount over a predetermined period (funding period). Alternatively, the recommended amount may be, for example, information indicating the monthly accumulation amount and the accumulation period.

  The recommended amount determining means 1331 determines the recommended amount for accumulation based on one or more pieces of event information. The recommended amount deciding means 1331 holds, for example, correspondence information between the type information and the recommended amount, and if the type information included in the event information is "birthday", the recommended amount is decided to "five hundred yen" If the type information is "enrollment ceremony", the recommended amount is determined to be "one thousand yen".

  In addition, for example, the recommended amount of money determination unit 1331 holds correspondence information between the time information and the recommended amount of money, and if the time information included in the event information is “6 years old”, the recommended amount of money is “one thousand yen”. If the time information is "medium 3", the recommended amount is set to "2 thousand yen".

  Alternatively, the recommended amount determining means 1331 holds, for example, correspondence information between a set of type information and time information and the recommended amount, and the set of type information and time information included in the event information is “advancement, 6 years old If ")", the recommended amount of money is determined to be "three thousand yen", and if the combination of the type information and the timing information is "(graduation, middle 3)", the recommended amount of money is determined to be "five thousand yen" It is also good.

  Alternatively, the recommended amount deciding means 1331 may, for example, correspond to the combination of the type information and the timing information and the total reserve amount information (for example, a pair of “advancement, 6 years old” and “¥ 3000”, “graduation, middle 3”) May hold correspondence information indicating a pair of “¥ 5000” and the like. When the recommended amount of money determination means 1331 satisfies a predetermined condition (for example, “the transfer to one target person”, etc.), one or more of one target person (for example, target person AA) The first event information (for example, the third event information of the target person AA: see FIG. 5) is selected from the event information in the table, and the current date (for example, January 1, 2018) indicated by the built-in clock etc. The period (funding period :, for example, three months) until the time (for example, April 1, 2018) specified from the time information included in the event information is calculated. In addition, using the correspondence information held, the recommended amount of money determination means 1331 is the total accumulation total sum information “¥ corresponding to the combination of the type information and the timing information that the event information has (for example,“ advancement, 6 years old ”). A recommended amount (for example, “¥ 1000”) indicating the monthly accumulation amount may be determined by acquiring 3000 ′ ′ and dividing the acquired total accumulation total amount information by the calculated accumulation period.

  The recommended information acquisition unit 1332 acquires recommended information having recommended amount information indicating the recommended amount determined by the recommended amount determination unit 1331.

  The response information storage unit 134 stores the response information received by the response information receiving unit 122 in association with the event information. Specifically, for example, in response to the transfer-related information notification unit 142 transmitting the transfer-related information, the response information storage unit 134 is the event identification information that the response information has, the response information received by the response information reception unit 122. Are stored in the storage unit 11 in association with the event information specified in

  The transmission unit 14 transmits various types of information. The various types of information include, for example, recommendation information, transfer related information, and response information. The transmission is usually transmission to the transferee terminal 2 or the target person terminal 3. However, transmission may be considered to include transmission to an external server such as a mail server or a web server, for example, for notification by mail or short message, posting on a web page, and the like.

  The transmitting unit 14 may transmit the event list screen configured by the processing unit 13 to the payer terminal 2, for example, in response to the reception unit 12 receiving the event list output instruction.

  In addition, for example, when the receiving unit 12 receives the transfer information output instruction, the transmitting unit 14 stores one or more of the transfer information stored in the storage unit 11 (hereinafter referred to as a transfer information group). ) May be sent to the transferor terminal 2.

  Furthermore, for example, in response to the reception unit 12 receiving the response information output instruction, the reception unit 12 receives one or more of the response information (response information group) stored in the storage unit 11 as the transferee terminal 2 It may be sent to

  The recommendation information notification unit 141 notifies the transferor of the recommendation information acquired by the recommendation information acquisition unit 133. The recommended information acquired by the recommended information acquisition unit 133 is, for example, the recommended information acquired by the recommended information acquisition unit 1332 and also includes the recommended information having the recommended amount information determined by the recommended amount determination unit 1331. . Further, the notification to the transferer may be, for example, transmission to the transferer terminal 2, notification by e-mail or short message, posting on a web page, or the like.

  Specifically, the recommendation information notification unit 141 uses, for example, the transferee contact information of the transferee information of the transferee information storage unit 112 for the recommendation information acquired by the recommendation information acquisition unit 133, and the transferee information is Notify the transferee identified by the transferee identifier.

  When the transfer instruction is received, the transfer related information notification unit 142 transfers the target person identified by the target person identifier using the target person contact address information paired with the target person identifier included in the transfer instruction. Notify relevant information.

  More specifically, for example, in response to the transfer instruction reception unit 121 receiving the transfer instruction, the transfer related information notification unit 142 determines that the one or more pieces of target person information of the target person information storage unit 111 are relevant. The target person information to be paired with the target person identifier included in the transfer instruction is acquired, and using the target person contact information included in the acquired target person information, the transfer process is performed on the target person identified by the target person identifier. Inform transfer related information that indicates what has been done or transfer processing will be performed.

  The response information notification unit 143 notifies the transferee of the response information from the target person using the transferor contact information. Specifically, for example, in response to the response information receiving unit 122 receiving the response information from the object person terminal 3, the response information notifying unit 143 acquires the transferee contact information from the transferer information storage unit 112, and acquires the information. The received information may be notified to the transferee using the transferee contact information.

  The payee storage unit 21 constituting the payer terminal 2 can store various types of information. The various information is, for example, a transferee identifier, one or more target person identifiers, and the like. Note that, for example, reply information may be stored in the transferor storage unit 21.

  The deposit receiver unit 22 receives the response information from the deposit processing apparatus 1. Note that, for example, the transferor receiving unit 22 may receive information other than the response information from the transfer processing apparatus 1 and may also receive information from devices other than the transfer processing apparatus 1.

  The payer reception unit 22 normally receives the response information as a pair with a target person identifier that identifies the target person who is the notification source of the response information. Note that receiving in pairs also includes the case where the response information has a target person identifier. However, when there is only one target person, the target person identifier may not be present.

  Note that the transferor receiving unit 22 may also receive, for example, an event list screen, a processing information group, or a response information group from the transfer processing apparatus 1.

  The transferor output unit 23 outputs information such as the response information received by the transferor receiving unit 22. Further, the transferor output unit 23 may output information other than the received information, such as the information of the transferor storage unit 21 or the processing result of the transferor processing unit 26.

  Although the transferee output unit 23 normally outputs information such as response information via an output device such as a display or a speaker, for example, the information may be stored in the transferor storage unit 21 or transmitted to another device, It may be delivered to another program, and the form of the output does not matter.

  Note that the transferor output unit 23 may output, for example, an event list screen received by the transferor receiving unit 22 or stored in the transferor storage unit 21, a transfer information group, a response information group, or the like. Such information will help the transferee to make an accurate transfer.

  The transferor reception unit 24 receives a transfer instruction. The target person reception unit 34 may receive instructions other than the transfer instruction, and can also receive information other than the instruction, such as transferee information. Moreover, reception is usually reception of information input by an input device such as a keyboard or a touch panel, but, for example, reception of information transmitted via a network, a communication line, etc., recording of a disk, semiconductor memory, etc. It may include reception of information read from the medium.

  In addition, the transferor receiving unit 24 may also receive, for example, the above-described event list output instruction, transfer information output instruction, response information output instruction, or the like.

  The transferor transmission unit 25 transmits information such as a transfer instruction received by the transferor reception unit 24 to the transfer processing apparatus 1. Generally, the transferor transmission unit 25 transmits the transfer instruction received by the transferor reception unit 24 to the transfer processing apparatus 1 as a pair with the transferor identifier of the transferor storage unit 21. Note that transmitting to a pair also includes the case where the transfer instruction has a transferee identifier.

  The transferor transmitting unit 25 may also transmit to the transfer processing apparatus 1 an event list output instruction, a processing information output instruction, a response information output instruction, or the like received by the transferor receiving unit 24, for example.

  The transferor processing unit 26 performs various processes. The various processes may be, for example, determination of whether or not the transfer person reception unit 24 receives information such as a transfer instruction.

  Note that, for example, the transferor processing unit 26 may store the response information received by the transferor reception unit 22 in the transferor storage unit 21 in association with the target person identifier. Further, the transferor processing unit 26 may store, for example, the received event list screen, transfer information group, or response information group in the transferor storage unit 21.

  The subject person storage unit 31 constituting the subject person terminal 3 can store various types of information. The various types of information are, for example, a target person identifier, a transferee identifier, and a photograph. It is preferable that the photograph is, in particular, a face photograph obtained by photographing the target person with a camera or the like, for example, at the time of an event that is the target of transfer.

  The target person receiving unit 32 receives the transfer related information from the transfer processing apparatus 1. The target person receiving unit 32 may receive, for example, information other than the transfer related information from the transfer processing apparatus 1 and may also receive information from other devices.

  The target person output unit 33 outputs information such as transfer related information received by the target person reception unit 32. The target person output unit 33 may output information other than the received information, such as the information in the target person storage unit 31 and the processing result of the target person processing unit 36, for example.

  The target person output unit 33 normally outputs the received information such as transfer related information through an output device such as a display or a speaker, but for example, it is stored in the target person storage unit 31 or in another device. It may be sent or delivered to another program, and the form of the output does not matter.

  The target person reception unit 34 receives the response information. The target person reception unit 34 may also receive information other than the response information. Although the target person reception unit 34 normally receives response information (a response sentence) in the form of a character string via an input device such as a keyboard or a touch panel, for example, a photograph read from the target person storage unit 31 or A photo identifier may be received that identifies the photo to be read out, and the form of the acceptance does not matter.

  The target person transmission unit 35 transmits the response information received by the target person reception unit 34 to the transfer processing apparatus 1. The response information to be sent may not be the same as the received response information. For example, in response to the target person reception unit 34 receiving a response and a photo identifier, the target person transmission unit 35 receives a response including the received response and the photo identified by the received photo identifier. The information may be sent to the payment processing apparatus 1. Also, the target person transmission unit 35 may transmit, for example, information other than the response information to the deposit processing apparatus 1, and may also transmit information to another apparatus.

  The target person processing unit 36 performs various types of processing. The various processes are, for example, determination of whether or not the target person reception unit 34 receives information such as response information.

  For the storage unit 11, the target person information storage unit 111, the transferor information storage unit 112, the transferor storage unit 21, and the target person storage unit 31, for example, a non-volatile storage medium such as a hard disk or a flash memory is preferable. It can also be realized by a volatile recording medium such as a RAM.

  There is no limitation on the process of storing information in the storage unit 11 or the like. For example, the information may be stored in the storage unit 11 or the like through the recording medium, or the information transmitted through the network or the communication line may be stored in the storage unit 11 or the like. Alternatively, information input via the input device may be stored in the storage unit 11 or the like. The input device may be anything, such as a keyboard, a mouse, and a touch panel.

  The receiving unit 12, the transfer instruction receiving unit 121, the response information receiving unit 122, the transferee receiving unit 22, and the target person receiving unit 32 are usually wired or wireless communication means (for example, NIC (Network interface controller), modem, etc. Communication module), but may be realized by means for receiving broadcast (for example, a broadcast receiving module).

  Processing unit 13, transfer processing unit 131, transfer information storage unit 132, recommendation information acquisition unit 133, reply information storage unit 134, recommended amount of money determination unit 1331, recommendation information acquisition unit 1332, transferor processing unit 26, and target person processing unit 36 can usually be realized from an MPU, a memory or the like. Typically, the processing procedure of the processing unit 13 or the like is realized by software, and the software is stored in a storage medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

  The transmitting unit 14, the recommendation information notifying unit 141, the transfer related information notifying unit 142, the response information notifying unit 143, the transferor transmitting unit 25, and the target person transmitting unit 35 are usually realized by wired or wireless communication means. , Broadcast means (for example, a broadcast module).

  The transferor output unit 23 and the target person output unit 33 may or may not be considered to include output devices such as a display and a speaker. The transferor output unit 23 and the like can be realized by the driver software of the output device or by the output device and the driver software thereof.

  The transferee reception unit 24 and the target person reception unit 34 may or may not include an input device. The transfer person acceptance unit 24 and the like can be realized by the driver software of the input device or by the input device and the driver software thereof.

  Next, the operation of the information system will be described using the flowcharts of FIGS. FIG. 2 is a flow chart for explaining an operation example of the money transfer processing apparatus 1.

  (Step S201) The processing unit 13 determines whether the transfer instruction reception unit 121 has received a transfer instruction from the transferor terminal 2. If the transfer instruction reception unit 121 receives a transfer instruction from the transferee terminal 2, the process proceeds to step S202, and if not received, the process proceeds to step S203.

  (Step S202) The transfer related information notification unit 142 uses the target person contact address information paired with the target person identifier included in the transfer instruction received in step S201, to the target person identified by the target person identifier. The transfer related information to the effect that transfer processing is performed is notified. Thereafter, the process returns to step S201.

  (Step S203) The processing unit 13 determines whether the response information receiving unit 122 has received the response information from the object person terminal 3. When the reply information receiving unit 122 receives the reply information from the target person terminal 3, the process proceeds to step S204, and when not received, the process proceeds to step S207.

  (Step S204) The transfer processing unit 131 performs a transfer process. For example, from the account of the transferee identified by the transferee identifier included in the transfer instruction received in step S201, the transfer processing unit 131 transfers the account to the target person identified by the target person identifier included in the transfer instruction. The money amount indicated by the money amount information of the transfer instruction may be transferred.

  (Step S205) The transfer information storage unit 132 stores the transfer information on the transfer process performed in step S204 in association with the event information specified by the event specifying information included in the transfer instruction received in step S201. Accumulate in 11.

  (Step S206) The response information notification unit 143 notifies the transferor of the response information received in step S023 using the transferor contact information of the transferor information of the transferer information storage unit 112. Thereafter, the process returns to step S201.

  (Step S207) The processing unit 13 transfers or accumulates the target person based on one or more pieces of event information of the target person information for each of the target person information of the target person information storage unit 111. It is determined whether or not notification of recommended information is recommended. If the recommendation information is to be notified, the process proceeds to step S204. If not, the process returns to step S201.

  (Step S208) The recommendation information acquisition unit 133 acquires recommendation information based on one or more pieces of event information included in the target person information determined to be notified. Specifically, the recommendation information acquisition unit 133 may acquire, for example, recommendation information that recommends the transferee to transfer to the account of the target person based on the one or more pieces of event information. Alternatively, the recommended amount determining unit 1331 constituting the recommended information acquiring unit 133 determines the recommended amount of accumulation based on the one or more pieces of event information, and the recommended information acquiring unit 1332 indicates the determined recommended amount. You may acquire the recommendation information which has amount information.

  (Step S209) The recommended information notification unit 141 uses the transferor contact information of the transferor information of the transferor information storage unit 112 to select the transferee information of the recommended information acquired in step S208. Notify the transferee identified by the identifier. Thereafter, the process returns to step S201.

  When the number of transferees is two or more, the above processing is performed for each of two or more transferee identifiers.

  Further, in the flowchart of FIG. 2, after the transfer instruction is received in step S201, first, transfer related information to the effect that the transfer process is performed is notified in step S202, and response information to the notification is received in step S203. In step S204, the transfer process is executed. However, after the transfer instruction is received in step S201, the transfer process may be promptly executed to notify transfer related information indicating that the transfer process has been performed. .

  Further, in the flowchart of FIG. 2, the process starts in response to power on of the transfer processing apparatus 1 or activation of a program, and the process is terminated by an interrupt of power off or process end. However, there is no limitation on the start or end of processing.

  FIG. 3 is a flowchart for explaining an operation example of the payer terminal 2.

  (Step S301) The transferor processing unit 26 determines whether the transferor receiving unit 24 has received a transfer instruction. For example, the transferor reception unit 24 may receive a transfer instruction having event identification information, a transferee identifier, a target person identifier, and amount information via an input device such as a touch panel. If the transferee reception unit 24 receives a transfer instruction, the process proceeds to step S302, and if not received, the process proceeds to step S303.

  (Step S302) The transferor transmission unit 25 transmits the transfer instruction received by the transferor reception unit 24 to the transfer processing apparatus 1. Thereafter, the process returns to step S301.

  (Step S303) The transferor processing unit 26 determines whether or not the notification of the response information has been received. For example, when the transferor receiving unit 22 receives, from the transfer processing apparatus 1, the response information including the target person identifier included in the transfer instruction accepted in step S301, the transferor processing unit 26 notifies of the response information. It may be determined that it has been received. If the notification of the response information is received, the process proceeds to step S304, and if the notification is not received, the process proceeds to step S305.

  (Step S304) The transferor output unit 23 outputs the response information received in step S303 via an output device such as a display. Thereafter, the process returns to step S301.

  (Step S305) The transferor processing unit 26 determines whether the transferor receiving unit 22 has received the recommendation information from the transfer processing apparatus 1. The transferor receiving unit 22 may receive, for example, recommendation information to the effect of recommending transfer to the account of the target person from the transfer processing apparatus 1, or recommends that storage for transfer be performed. The recommendation information may be received. If the transferor receiving unit 22 receives the recommendation information from the transfer processing apparatus 1, the process proceeds to step S306, and if it is not received, the process proceeds to step S306.

  (Step S306) The transferor output unit 23 outputs the recommendation information received in step S305 via an output device such as a display. Thereafter, the process returns to step S301.

  In the flowchart of FIG. 3, the process starts in response to the power-on of the payer terminal 2 or the activation of the program, and the process is ended by the power-off or the interrupt of the process end. However, there is no limitation on the start or end of processing.

  FIG. 4 is a flowchart for explaining an operation example of the subject person terminal 3.

  (Step S401) The target-person processing unit 36 determines whether the target-person receiving unit 32 has received the transfer related information from the transfer processing apparatus 1. If the target person reception unit 32 has received the transfer related information from the transfer processing apparatus 1, the process proceeds to step S402, and if it has not been received, the process proceeds to step S403.

  (Step S402) The object person output part 33 outputs the transfer relevant information received by step S401 via output devices, such as a display. Thereafter, the process returns to step S401.

  (Step S403) The target-person processing unit 36 determines whether the target-person reception unit 34 receives the response information. The target person reception unit 34 may receive, for example, response information having a response, a photo, and the like via an input device such as a touch panel. If the target person reception unit 34 receives the response information, the process proceeds to step S404. If the target person reception unit 34 does not receive the response information, the process returns to step S401.

  (Step S404) The target person transmission unit 35 transmits the response information accepted in step S403 to the money transfer processing apparatus 1. The target person transmission unit 35 transfers, for example, the response information including the received response, etc., the target person identifier of the target person storage unit 31, and the event specifying information included in the transfer related information received in step S401. It may be transmitted to the processing device 1. Thereafter, the process returns to step S401.

  In the flowchart of FIG. 4, the process starts in response to the power on of the object person terminal 3 or the start of the program, and the process is ended by an interrupt of the power off or the process end. However, there is no limitation on the start or end of processing.

  Hereinafter, a specific operation example of the information system will be described. Note that the following description can be variously modified and does not limit the present invention.

  The information system of this example includes a money transfer processing device 1, a money transferer terminal 2, and two or more (for example, three) target person terminals 3. The deposit processing apparatus 1 is a server of a bank. The transferee terminal 2 is a portable terminal of the transferee X, and one of the three target person terminals 3 is a PC of the target person AA's house. The other one of the three target person terminals 3 is the mobile terminal of the target person BB, and the other one is the mobile terminal of the target person CC.

  The transferee X is a grandmother of three subjects AA to CC. Each of the transferee X and the two target persons AA and BB has an account at the above bank. The elephant CC also has an account with another bank, and the server of the other bank can communicate with the payment processing apparatus 1 via a network or the like.

  For example, two or more pieces of target person information as shown in FIG. 5 are stored in the target person information storage unit 111 constituting the money transfer processing apparatus 1. The subject information includes a subject identifier, one or more pieces of event information, and subject contact information. ID (for example, "1", "2" etc.) is matched with two or more object person information stored.

  For example, target person information corresponding to ID "1" (hereinafter sometimes referred to as target person information 1) has a target person identifier "AA" and three or more pieces of event information "birthday, October 5, 2017. , 6 years old "," New Year's Day, January 1, 2018 ", and" Going to school, Spring 2018, entrance to elementary school ", etc., and contact information" aa @ ... ne. Jp ".

  In addition, target person information (target person information 2) corresponding to the ID "2" includes a target person identifier "BB", one or more pieces of event information "year-old balls, 2018", etc., contact information "090 · · · "And". Similarly, the subject person information 3 has a subject person identifier "CC", event information "adult expression, Null", and the like, and contact information "http: // cc ...". Note that “Null” is information that means the absence of the information (here, the event information does not include the time information).

  Each target person information may include a photograph (not shown) of the target person.

  The transferee information storage unit 112 includes, for example, a transferee identifier “X”, transferee contact information “x @... Ne.jp”, three or more target person identifiers “AA”, “BB”, Transferee information having "CC" and the like is stored.

  Condition information is stored in the storage unit 11. The condition information is information on one or more of the first condition and the second condition described later.

  It is assumed that the present date and time is 9:00 am on October 5, 2017. In the transfer processing apparatus 1, for example, when the current time included in the date and time information acquired from the built-in clock of the MPU or the NTP server is the predetermined time (for example, 9 am), the processing unit 13 For each of the three pieces of target person information 1 to 3 stored in the target person information storage unit 111, one or more pieces of event information included in the target person information and a date included in the acquired date and time information , Determine whether to notify the recommendation information.

  There are two types of recommendation information: those that recommend transfer and those that recommend accumulation. The processing unit 13 uses the condition information in the storage unit 11 to identify the date specified from the event information, and the acquired date If the date included in the information satisfies the first predetermined condition, it is judged that the notification of the recommendation information recommending the transfer will be given, and if the second predetermined condition is satisfied, the recommendation information recommending the accumulation I decide to give notice of.

  The first condition is, for example, that the date and time specified from the event information match the date included in the acquired date and time information, but the difference between the two dates is the first threshold (for example, 2) Day) may be less than or less than. On the other hand, the second condition is that, for example, the difference between the date and time specified from the event information and the date included in the obtained date and time information has become a second threshold (for example, two months).

  Here, since “Oct. 5, 2017” included in the first event information of the three pieces of event information included in the subject person information 1 matches the date included in the acquired date and time information, the process is performed. The unit 13 determines that the first condition is satisfied regarding the first event information among the three pieces of event information included in the target person information 1, and notification of recommendation information for recommending transfer is performed.

  The recommendation information acquisition unit 133 acquires, based on the first event information of the target person information 1, recommendation information that is recommended to transfer the celebration of the 6th birthday of the target person AA. The recommendation information notification unit 141 uses the recommendation information thus acquired as a mail address with the transferor contact information “x @... Ne.jp” included in the transferer information of the transferer information storage unit 112 as a destination. The sender X is notified by sending.

  In the payer terminal 2, the payer reception unit 22 receives the recommendation information, and the payer output unit 23 outputs the received recommendation information via an output device such as a display. Thus, for example, a screen as shown in FIG. 6 is displayed on the display of the payer terminal 2.

  FIG. 6 is a view showing an example of a screen outputted by the transferee terminal 2. This screen has a string "Today is the birthday of Mr. AA. We recommend the transfer of congratulations" and an input field corresponding to the string "Transfer amount" and an image of a coin.

  The transferee operates an input device such as a touch panel on the screen of FIG. 6 to input a transfer instruction having, for example, amount information “¥ 1000”. Specifically, the transferee may operate the coin image after inputting “1000” in the input field in the screen. The operation may be, for example, a flick operation or a slide operation on an image of a coin.

  In the transferer terminal 2, the transferor reception unit 24 receives the transfer instruction, and the transferor transmission unit 25 receives the event identification information, the transferor identifier, and the target person identifier included in the received recommendation information, and the like. A transfer instruction having the amount information is sent to the transfer processing apparatus 1.

  In the transfer processing apparatus 1, the transfer instruction receiving unit 121 receives the transfer instruction, and the transfer related information notification unit 142 transmits target person contact information “paired” with the target person identifier “AA” included in the received transfer instruction. Using aa @ ... ne. jp, the target person AA identified by the target person identifier "AA" is notified of transfer related information indicating that the transfer process is to be performed. The transfer-related information to be notified may be, for example, the character string “AA, happy birthday.

  In the target person terminal 3 of the target person AA house, the target person reception unit 32 receives the above-mentioned transfer related information, and the target person output unit 33 outputs the received transfer related information via an output device such as a display. . Thereby, a screen as shown, for example in FIG. 7 is displayed on the display of the object person terminal 3 of object person AA house.

  FIG. 7 is a view showing an example of a screen outputted by the object person terminal 3. In this screen, the character string “AA-chan, 6 congratulations on your birthday. I will send you a great smile from grandma”, the coin image, the input field corresponding to the character string “reply”, and the send button. Have.

  The subject person AA or his / her guardian operates the input device such as a keyboard or a mouse on the screen of FIG. 7 and, for example, response information having the character string “Grandma, thank you” and a photo of the subject person AA. After inputting in the input field, the transmission button may be operated. An image of a coin may be displayed on the screen of the target person terminal 3, and the response may be made by a flick operation or a slide operation on the image of the coin, not by pressing the transmission button.

  In the target person terminal 3, the target person reception unit 34 receives the response information, and the target person transmission unit 35 transmits the received response information to the transfer processing apparatus 1.

  In the deposit processing apparatus 1, the reply information receiving unit 122 receives the above-mentioned reply information, and the deposit processing unit 131 performs a deposit process corresponding to the deposit instruction received earlier. Thus, from the account of the transferee X identified by the transferee identifier "X" possessed by the received transfer instruction, to the account to the target person AA identified by the target person identifier "AA" possessed by the transfer instruction. The money amount indicated by the money transfer information “¥ 1000” is transferred.

  The transfer information storage unit 132 stores the transfer information “Oct. 5, 2017, ¥ 1000” related to the transfer process performed in this way, event identification information (for example, event ID “AA, 3rd”) that the received transfer instruction has. , Or is stored in the storage unit 11 in association with event information specified by the event name “AA's 6th birthday” or the like. As a result, the transfer information “10th October 2017, ¥ 1,000” is stored in the storage unit 11 in association with the third event information of the target person information 1 shown in FIG. 5.

  The reply information notification unit 143 transmits the received reply information in the form of an e-mail, with the transferor contact information “x @... Ne.jp” included in the transferer information of the transferer information storage unit 112 as a destination To notify the transferee X by doing.

  In the receiver terminal 2, the receiver receiving unit 22 receives the response information, and the receiver output unit 23 outputs the received response information via an output device such as a display. As a result, for example, a screen as shown in FIG. 8 is displayed on the display of the payer terminal 2.

  FIG. 8 is a view showing another example of the screen outputted by the transferee terminal 2. This screen has the character string "Grandma, thank you" and a photo of the subject AA.

  After that, it is assumed that the date and time information indicated by the built-in clock etc. becomes 9:00 am on November 1, 2017. The date included in the date and time information is two months before "January 1, 2018" included in the second event information of the three pieces of event information included in the object person information 1, and the object person information 2 Since it is two months before the event information "new year ball" specified by 2018, "January 1, 2018", which is possessed by the processing unit 13, the processing unit 13 selects the second event information of the target person information 1 and the target person information. Regarding each of the event information which 2 has, it is judged that the 2nd condition is satisfied and the notification of the recommendation information which recommends accumulation is performed.

  The recommended information acquisition unit 133 holds correspondence information indicating correspondence between the age and the amount of money for the new year's balls, and for the first event information of the target person information 1, based on "6 years old" included therein, Acquire the amount “¥ 1000” of the new year's balls of Target AA. On the other hand, since the age can not be specified from the event information of the target person information 2, the recommended information acquisition unit 133 acquires a default amount of “¥ 2000”.

  Next, the recommended amount determination means 1331 constituting the recommended information acquisition unit 133 calculates the total amount “¥ 3000” of the two amounts thus acquired, and further, configures the total amount as the second condition “ Divide “2” of “2 months ago” and set “¥ 1500” as the division result as the recommended amount for monthly accumulation. The recommended amount determination means 1331 obtains recommended information recommended to be accumulated 1,500 yen each month in preparation for the transfer of new year balls to the two persons AA and BB.

  The recommendation information notification unit 141 uses the recommendation information thus acquired as a mail address with the transferor contact information “x @... Ne.jp” included in the transferer information of the transferer information storage unit 112 as a destination. The sender X is notified by sending.

  In the payer terminal 2, the payer reception unit 22 receives the recommendation information, and the payer output unit 23 outputs the received recommendation information via an output device such as a display. Thus, for example, a screen as shown in FIG. 9 is displayed on the display of the payer terminal 2.

  FIG. 9 is a view showing another example of the screen outputted by the transferee terminal 2. This screen has the character string “It is recommended to accumulate 1500 yen each month as a new year ball to Mr. AA and Mr BB”.

  Transferee X pays a new year's gift of 1000 yen to the target person AA and 2000 yen to the target person BB in the new year of 2018 by accumulating 1500 yen each in November and December. Can.

  As for the transfer from the transferee X to the target person CC, the next event "adult ceremony" is specified to "around January 10" using the target person information 3 in FIG. For example, if the date of the date and time information from the internal clock, etc. is two days before the relevant period, the recommended information such as “Ms. CC's adult ceremony will be held soon. It may be displayed on the second display.

  Note that, for example, another transferee Y, to confirm an event for each of two or more target persons corresponding to the transferee, an event list output instruction via the input device such as a touch panel, the transferee Y's The operation in the case of input to the transferee terminal 2 is as follows.

  In the transferee terminal 2 of the transferee Y, the transferee reception unit 24 receives the above-mentioned event list output instruction, and the transferor transmission unit 25 pairs the received event list output instruction with the transferee identifier "Y". Transmit to the payment processing apparatus 1.

  In the deposit processing apparatus 1, the deposit instruction receiving unit 121 receives the above-mentioned event list output instruction, and the processing unit 13 is the subject person information of the subject person information storage unit 111, and 2 associated with the payer identifier "Y". An event list screen is configured using the above-described target person information, the photograph of each target person stored in the storage unit 11, and the held screen configuration information. The transmitting unit 14 transmits the event list screen configured in this way to the transferee terminal 2 of the transferee Y.

  In the receiver terminal 2 of the receiver Y, the receiver receiving unit 22 receives the event list screen, and the receiver output unit 23 outputs the received event list screen through an output device such as a display. Thereby, for example, a screen as shown in FIG. 10 may be displayed on the display of the transferee terminal 2 of the transferee Y.

  FIG. 10 is a view showing an example of an event list screen outputted by the transferee terminal 2 of the transferee Y. As shown in FIG. This event list screen has event information of an event arriving next for each of two or more (four in this example) subjects. The event information includes a photo, a target person identifier (in this example, a name such as "Akira"), event information (in this example, type information such as "enrollment ceremony", and time information such as "2018.4.08") ) And an icon. Note that the icons in the event list screen are, for example, two or more by the transferee reception unit 24 receiving a selection of the icon in a pair with the target person identifier, or by the target person reception unit 34 receiving a selection of the icons. It may be set for each subject. Further, it is preferable that, for example, the processing unit 13 deletes the event information that has passed the time from the event list screen and updates the event information to the next event information of the target person.

  As a result, since the transferee Y can see the next event for each of two or more subjects at a glance, the transferee Y can properly transfer each of the two or more subjects for each of the one or more events of the subjects.

  As described above, according to the present embodiment, the target person information storage unit 111 stores one or more pieces of target person information including a target person identifier for identifying a target person and one or more pieces of event information regarding an event of the target person. The transfer processing apparatus 1 receives a transfer instruction having event specification information specifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a target transferee, and the transfer transfer instruction has a transfer Perform the transfer process to transfer the amount indicated by the money amount information corresponding to the transfer instruction from the account of the transferee identified by the payee identifier to the account to the target person identified by the target person identifier possessed by the transfer instruction. Depending on the processing, the transferee is one or more of the transferee by storing transfer information on transfer processing in association with event information specified by the event specifying information included in the transfer instruction. To subject, it can provide a mechanism to assist in performing an accurate transfer for each of one or more events of the subject.

  In addition, the transferee information storage unit 112 includes a transferee identifier, transferee contact information indicating a contact address to the transferee identified by the transferee identifier, and one or more of the target persons related to the transferee. One or more transferee information having a target person identifier is stored, and the transfer processing apparatus 1 is configured to transfer the target person's information based on the event information to be paired with the target person identifier of the transferee information of the transferee information storage unit 112. By acquiring recommendation information to the effect of recommending transfer to the account, and notifying the transferee of the recommendation information using the transferee contact information possessed by the transferee information, one or more targets for each transferee It is possible to support the transferee to make the transfer accurately by recommending the transfer for each one or more events of the person.

  Further, the transfer processing apparatus 1 acquires recommendation information to the effect of recommending the transferee to make a deposit based on one or more pieces of event information. In this way, the transfer processing apparatus 1 can support the transfer person to reasonably perform the transfer by recommending the transfer person to deposit for each one or more events of one or more target persons.

  Further, the transfer processing apparatus 1 determines the recommended amount of accumulation based on one or more pieces of event information, and acquires the recommended information having recommended amount information indicating the recommended amount. Thus, the transfer processing apparatus 1 can not transfer the amount of money by setting the amount of money for each transferee to one or more events of one or more target persons and recommending the accumulation of the amount of money. It can help you to do without.

  Further, the target person information has target person contact information indicating a contact address to the target person, and the transfer processing apparatus 1 receives the transfer instruction, and the target person contact address to be paired with the target person identifier. It is possible to make the target person perceive the transfer from the transferee by notifying the target person of the transfer processing or the transfer related information indicating that the transfer processing is to be performed using the information.

  Further, the transfer processing apparatus 1 receives the response information, which is a response to the transfer result information, from the target person's terminal 3 of the target person, and notifies the transfer person of the response information using the transferor contact information possessed by the transferer information. By doing this, it is possible to inform the transferee that the subject has perceived the transfer.

  The reply information also includes a photographed picture, and the payment processing apparatus 1 stores the reply information in association with the event information. Thereby, the target person who has received the transfer can show the transferer the photograph taken at the time of the event corresponding to the transfer, for example, together with the response.

  Further, the transfer processing apparatus 1 can promote the response from the object person to the transfer person by performing the transfer process after receiving the response information.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Also, the software may be distributed by being recorded on a recording medium such as a CD-ROM. This applies to the other embodiments in the present specification. The software for realizing the information processing apparatus in the present embodiment may be, for example, the following program.

  That is, the computer-accessible recording medium stores the target person information storage unit 111 in which one or more target person information having a target person identifier for identifying a target person and one or more pieces of event information related to the target person's event is stored. The program receives a transfer instruction having the computer, event identification information identifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a target transferee. The transfer instruction corresponds to the account to the target person identified by the target person identifier included in the transfer instruction, from the account of the transfer recipient identified by the transfer instruction receiving unit 121 and the transferee identifier included in the transfer instruction A transfer processing unit 131 which performs a transfer process for transferring the amount of money indicated by the money amount information, and an event that the transfer instruction has according to the transfer process. In association with the event information specified by the information, a program to function as a transfer information storing unit 132 for storing the transfer information related to the transfer process.

  FIG. 10 is an external view of a computer system 900 that implements the transfer processing apparatus 1 and the like by executing the program according to the present embodiment. The present embodiment can be realized by computer hardware and a computer program executed thereon. In FIG. 10, a computer system 900 comprises a computer 901 including a disk drive 905, a keyboard 902, a mouse 903 and a display 904. Note that the entire system including the keyboard 902, the mouse 903 and the display 904 may be called a computer.

  FIG. 11 is a diagram showing an example of the internal configuration of the computer system 900. 11, in addition to the disk drive 905, the computer 901 is connected to the MPU 911, the ROM 912 for storing a program such as a boot-up program, and the MPU 911, and temporarily stores instructions of the application program. It provides a connection to a network such as an external network or an internal network by connecting a RAM 913 providing a storage space, a storage 914 storing an application program, a system program and data, a MPU 911 and a ROM 912 etc. And a network card 916. The storage 914 is, for example, a hard disk, an SSD, a flash memory, or the like.

  For example, a program that causes the computer system 900 to execute the function of the money transfer processing apparatus 1 may be stored in the disk 921 such as a DVD or a CD-ROM, inserted into the disk drive 905, and transferred to the storage 914. Alternatively, the program may be transmitted to the computer 901 via the network and stored in the storage 914. The program is loaded into the RAM 913 upon execution. The program may be loaded directly from the disk 921 or from the network. Also, the program may be read into the computer system 900 via another removable recording medium (eg, a DVD, a memory card, etc.) instead of the disc 921.

  The program may not necessarily include an operating system (OS) that causes the function of the payment processing apparatus 1 to be executed, a third party program, and the like in 901 indicating details of the computer. The program may include only portions of instructions that invoke appropriate functions or modules in a controlled manner to achieve a desired result. It is well known how computer system 900 operates, and detailed description is omitted.

  Although the computer system 900 described above is a server or a stationary PC, the transferer terminal 2 and the target person terminal 3 may be realized by a portable terminal such as a tablet terminal, a smartphone or a notebook PC, for example. In this case, for example, it is desirable that the keyboard 902 and the mouse 903 be replaced with a touch panel, the disk drive 905 be replaced with a memory card slot, and the disk 921 be replaced with a memory card. However, the above is an illustration and the hardware configuration of a computer for realizing the transfer processing apparatus 1 does not matter.

  In the above program, in the transmission step of transmitting information, the reception step of receiving information, etc., processing performed by hardware, for example, processing performed by a modem or interface card in transmission step (line only with hardware Not included).

  Moreover, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication means (the report transmitting unit 14, the receiving unit 12, etc.) existing in one device may be physically realized by one medium.

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or realized by distributed processing by a plurality of devices. It may be done.

  It goes without saying that the present invention is not limited to the above embodiments, and various modifications are possible, which are also included in the scope of the present invention.

  As described above, the transfer processing apparatus according to the present invention has the effect of supporting the transferee to appropriately transfer the one or more target persons for each of the one or more events of the target persons. Is useful as a transfer processing apparatus and the like.

DESCRIPTION OF SYMBOLS 1 transfer processing apparatus 2 transfer person terminal 3 object person terminal 11 storage part 12 reception part 13 processing part 14 transmission part 21 transfer person storage part 22 transfer person reception part 23 transfer person output part 24 transfer person reception part 25 transfer person transmission part 26 Transfer person processing part 31 Target person storage part 32 Target person reception part 33 Target person output part 34 Target person reception part 35 Target person transmission part 36 Target person processing part 111 Target person information storage part 112 Transfer person information storage part 121 Transfer instruction reception Part 122 Response information receiving part 131 Transfer processing part 132 Transfer information storage part 133 Recommended information acquisition part 134 Reply information storage part 141 Recommended information notification part 142 Transfer related information notification part 143 Reply information notification part 1331 Recommended amount of money determination means 1332 Recommended information acquisition means

Claims (10)

A target person information storage unit in which one or more target person information having a target person identifier for identifying a target person and one or more pieces of event information on an event of the target person is stored;
A transfer instruction receiving unit for receiving a transfer instruction having event specification information specifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a target transferee;
The money amount indicated by the money amount information corresponding to the transfer instruction is transferred from the account of the transferee identified by the transferee identifier included in the transfer instruction to the account for the target person identified by the target person identifier included in the transfer instruction And a transfer processing unit that performs transfer processing for
A transfer processing apparatus comprising: a transfer information storage unit that stores transfer information related to the transfer processing in association with event information specified by event specification information included in the transfer instruction according to the transfer processing. One or more of a payee identifier, payee contact information indicating a contact address to the payee identified by the payee identifier, and one or more subject person identifiers for identifying a subject associated with the payee A bank transferee information storage unit in which bank transferee information is stored;
A recommendation information acquisition unit which acquires recommendation information to the effect of recommending transfer to a target person's account based on event information paired with the target person identifier included in the transfer person information of the transfer person information storage section;
The transfer processing apparatus according to claim 1, further comprising: a recommended information notification unit configured to notify the transferee of the recommendation information using transferee contact information included in the transferee information. The recommended information acquisition unit
3. The transfer processing apparatus according to claim 2, wherein the transfer information processing apparatus is configured to acquire recommendation information to recommend that the transferee make a deposit based on one or more pieces of event information. The recommended information acquisition unit
A recommended amount determining means for determining a recommended amount for reserve based on one or more pieces of event information;
4. The transfer processing apparatus according to claim 3, further comprising: recommendation information acquisition means for acquiring recommendation information having recommendation amount information indicating the recommendation amount. The target person information is
Has target contact information indicating the contact to the target,
Transfer related information indicating that transfer processing has been performed to a target person or transfer processing is to be performed using the contact information of the target person paired with the target person identifier when the transfer instruction is received The transfer processing apparatus according to claim 1, further comprising: a transfer related information notification unit that notifies. A response information receiving unit that receives response information, which is a response to the transfer result information, from the target person's terminal of the target person;
6. The transfer processing apparatus according to claim 5, further comprising: a response information notification unit that notifies the transferee of the response information using transferee contact information included in the transferee information. The response information is
Including the picture taken,
7. The transfer processing apparatus according to claim 6, further comprising a response information storage unit that stores the response information in association with event information. The transfer processing unit
The transfer processing device according to claim 6 or 7, wherein the transfer processing is performed after the response information receiving unit receives the response information. Target person information storage unit in which one or more target person information having a target person identifier for identifying a target person and one or more pieces of event information on an event of the target person is stored, a transfer instruction reception unit, a transfer processing unit, and information A transfer processing method implemented by the storage unit, wherein
A transfer instruction receiving step of receiving a transfer instruction having event specification information specifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a target transferee; ,
The amount corresponding to the transfer instruction from the account of the transferee identified by the transferee identifier included in the transfer instruction to the account identified by the target person identifier included in the transfer instruction, from the account of the transferee identified by the transferee identifier included in the transfer instruction A transfer processing step of performing transfer processing for transferring the amount of money indicated by the information;
A transfer process including a transfer information storage step of storing transfer information on the transfer process in association with event information specified by the event specifying information included in the transfer instruction according to the transfer process; Method. The recording medium accessible to the computer is
A target person information storage unit in which one or more target person information having a target person identifier for identifying a target person and one or more pieces of event information on an event of the target person is stored;
The computer,
A transfer instruction receiving unit for receiving a transfer instruction having event specification information specifying event information, a transferee identifier identifying a transferee, and a target person identifier identifying a target transferee;
The money amount indicated by the money amount information corresponding to the transfer instruction is transferred from the account of the transferee identified by the transferee identifier included in the transfer instruction to the account for the target person identified by the target person identifier included in the transfer instruction And a transfer processing unit that performs transfer processing for
A program for functioning as a transfer information storage unit that stores transfer information on the transfer processing in association with event information specified by event specification information included in the transfer instruction according to the transfer processing.

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