JP2021039660A - Remittance system, remittance method, and program - Google Patents

Abstract

To provide a remittance system, a remittance method and a program that perform smooth remittance processing.SOLUTION: A remittance intermediary server device in a remittance system 10 includes: a first acquisition unit 12a that acquires, from a remitter, a first personal confirmation verification information, which indicates information for personal confirmation related to opening of a first account of the remitter; a second acquisition unit 12b that acquires, from a recipient who receives the remittance from the remitter, a second confirmation verification information, which indicates information for personal confirmation related to opening of a second account of the recipient; a relation unit 13 that associates, on the basis of first account information on the first account acquired on the basis of the first personal confirmation and second account information on the second account acquired on the basis of the second identity verification information, the first account with the second account; and a remittance processing unit 19 that executes processing of remittance from the first account to the second account in a state that the first account and the second account are related.SELECTED DRAWING: Figure 6

Description

The present invention relates to remittance systems, remittance methods, and programs.

A device for determining a remittance route based on pre-stored remittance route information is disclosed (Patent Document 1).

Japanese Unexamined Patent Publication No. 2018-13966

In the apparatus described in Patent Document 1, the remittance route is determined based on the remittance route information based on a predetermined selection criterion. As a result, it is possible to select a remittance route that can be remitted by the remittance date and a remittance route that minimizes the remittance fee.

However, in the device described in Patent Document 1, since the account of the remittance source and the account of the remittance destination are not associated with each other, there is a possibility that it takes time and effort to confirm the identity verification information each time the remittance is made.

Therefore, in order to solve the above problems, the present invention smoothly associates the remittance source account corresponding to the remittance source identity verification information with the remittance destination account corresponding to the remittance destination identity verification information in advance. The purpose is to provide a remittance system, a remittance method, and a program that realizes a remittance process.

The remittance system according to one aspect of the present invention includes a first acquisition unit that acquires first identity verification information indicating information for identity verification related to the opening of the first account of the sender from the sender, and the remittance. In the second acquisition unit that acquires the second identity verification information indicating the information for identity verification related to the opening of the second account of the recipient from the recipient who receives the remittance from the person, and the first identity verification information. Based on the first account information regarding the first account acquired based on the first account and the second account information regarding the second account acquired based on the second identity verification information, the first account and the second account are obtained. A related unit is provided, and a remittance processing unit that executes a process of transferring money from the first account to the second account while the first account and the second account are associated with each other.

The remittance method according to one aspect of the present invention includes the first acquisition step in which the computer acquires the first identity verification information indicating the identity verification information related to the opening of the first account of the sender from the sender. , The second acquisition step of acquiring the second identity verification information indicating the information for identity verification related to the opening of the second account of the recipient from the recipient who receives the remittance from the sender, and the first principal. Based on the first account information regarding the first account acquired based on the confirmation information and the second account information regarding the second account acquired based on the second identity verification information, the first account and the said A related step of associating a second account and a remittance processing step of executing a process of transferring money from the first account to the second account while the first account and the second account are associated with each other are realized. To do.

The program according to one aspect of the present invention obtains from the sender the first identity verification information indicating the information for identity verification related to the opening of the first account of the sender, and the sender. Obtaining the second identity verification information indicating the information for identity verification related to the opening of the second account of the recipient from the recipient receiving the remittance from the recipient, and the acquisition based on the first identity verification information. To associate the first account with the second account based on the first account information regarding the first account and the second account information regarding the second account acquired based on the second identity verification information. And, in a state where the first account and the second account are associated with each other, the process of transferring money from the first account to the second account is executed.

According to the present invention, in the remittance process, the identity verification process can be saved by associating the account of the remittance source with the account of the remittance destination in advance.

It is a figure which shows an example of the structure of a remittance system. It is a figure which shows the outline of the account association processing in a remittance system. It is a figure which shows the outline of the 1st remittance processing in a remittance system. It is a figure which shows the outline of the 2nd remittance processing in a remittance system. It is a figure which shows the outline of the 3rd remittance processing in a remittance system. It is a figure which shows an example of the functional structure of the remittance intermediary server device. It is a figure which shows an example of a user information table. It is a figure which shows an example of the account information table. It is a figure which shows an example of the related information table. It is a figure which shows an example of the functional structure of the 1st terminal apparatus. It is a figure which shows an example of the functional structure of the 1st account server apparatus. It is a flow chart which shows an example of the account association processing of the remittance intermediary server device. It is a flow chart which shows an example of the remittance processing of the remittance intermediary server device. It is a figure which shows an example of the hardware configuration of a computer. It is a figure which shows an example of a requirement information table.

Hereinafter, the remittance system 1 according to the embodiment of the present invention will be described in detail with reference to the drawings. However, the embodiments described below are merely examples, and there is no intention of excluding the application of various modifications and techniques not specified below. That is, the present invention can be carried out by various modifications within a range that does not deviate from the gist thereof, or by combining each embodiment. Further, in the description of the following drawings, the same or similar parts are represented by the same or similar reference numerals.
[Configuration of remittance system 1]

The remittance system 1 has a first account owned by the sender and a second account owned by the recipient based on the first identity verification information regarding the identity verification of the sender and the second identity verification information regarding the identity verification of the recipient. It is a system for smoothly transferring money from the first account to the second account by associating with.

The first account and the second account are, for example, a bank account, a credit card, a prepaid account, a point balance, and the like. The first account is an account issued by the first account provider. The second account is an account issued by the second account provider. The first account may be an account in the same country as the second account, or an account in a different country. Hereinafter, as an example, it is assumed that the first account provider is a business operator in the first country and the second account provider is a business operator in a second country different from the first country.

FIG. 1 is a diagram showing a configuration example of the remittance system 1. As shown in FIG. 1, the remittance system 1 includes a remittance intermediary server device 10, a first terminal device 20, a first account server device 30, a second terminal device 40, and a second account server device 50. Hereinafter, each component of the remittance system 1 will be described.

The remittance intermediary server device 10 associates the first account and the second account in advance in order to reduce the identity verification procedure in the remittance, and executes the remittance process from the sender's first account to the recipient's second account. It is a device. The remittance mediation server device 10 is composed of, for example, an information processing device such as a server computer, and is between the first terminal device 20, the first account server device 30, the second terminal device 40, and the second account server device 50. Mediates and judges various information.

The first terminal device 20 is a terminal device of a remittancer having a first account, such as a smartphone or a personal computer. The first terminal device 20 is connected to the remittance mediation server device 10 via the network 80, and transmits and receives various information to and from the remittance mediation server device 10. The remittance sender uses the first terminal device 20 to respond to the request from the remittance intermediary server device 10.

The first account server device 30 is a server operated by the first account provider and manages the first identity verification information, the first account information related to the first account, and the like. The first account server device 30 is composed of an information processing device such as a server computer. The first account server device 30 is communicably connected to the remittance intermediary server device 10 via the network 80. The transmission and reception of various information between the first account server device 30 and the remittance intermediary server device 10 will be described later.

The second terminal device 40 is, for example, a terminal device of a recipient having a second account, such as a smartphone or a personal computer. The second terminal device 40 is connected to the remittance mediation server device 10 via the network 80, and transmits and receives various information to and from the remittance mediation server device 10. The recipient responds to the request from the remittance intermediary server device 10 by using the second terminal device 40.

The second account server device 50 is a server operated by the second account provider and manages the second identity verification information, the second account information related to the second account, and the like. The second account server device 50 is composed of an information processing device such as a server computer. The second account server device 50 is communicably connected to the remittance intermediary server device 10 via the network 80. The transmission and reception of various information between the second account server device 50 and the remittance intermediary server device 10 will be described later.

In the above description, the first account provider and the second account provider are each described as one provider, but the present invention is not limited to this. There may be a plurality of first account providers and second account providers. That is, the sender may have a plurality of types of first accounts (for example, a bank account, a credit card, etc.), and the recipient may have a plurality of types of second accounts (for example, a credit card, a debit card, etc.).

The remittance system 1 that executes the first remittance process described later further includes a card system 60. The card system 60 is operated by a card issuer (referred to as a "second account provider" in FIG. 3) that issues card infrastructure such as credit cards, debit cards, and prepaid cards, which are second accounts. It is a server. The card system 60 is composed of an information processing device such as a server computer. The card system 60 is communicably connected to the remittance intermediary server device 10 via the network 80. The transmission and reception of various information between the card system 60 and the remittance intermediary server device 10 will be described later.

Further, the remittance system 1 that executes the second remittance process described later further includes a third account server device 70. The third account server device 70 is a server operated by a third account provider that issues a third account in the same second country as the second account provider, and executes remittance from the third account to the second account. Is. The third account server device 70 is composed of an information processing device such as a server computer. The third account server device 70 is communicably connected to the remittance intermediary server device 10 via the network 80. The transmission and reception of various information between the third account server device 70 and the remittance intermediary server device 10 will be described later.
[Overview of remittance system 1]

The outline of the remittance system 1 will be described. FIG. 2 is a diagram showing an outline of an account association process in the remittance system 1. 3 to 5 are diagrams showing an outline of the first to third remittance processes in the remittance system 1.

In the following, first, the flow of various information in the account association process will be described with reference to FIG. Next, with reference to FIGS. 3 to 5, the flow of various information for each of the first to third remittance processes for remittance from the first account to the second account with the first account and the second account associated with each other. Will be explained.
== Account association processing ==

FIG. 2 is a diagram showing an outline of the account association process. First, the account association process will be described with reference to FIG.

The account association process is, for example, a process of acquiring the first account information based on the first identity verification information, acquiring the second account information based on the second identity verification information, and associating the first account with the second account. Is.

In S1, the sender uses the first terminal device 20 to input the first identity verification information related to the identity verification of the sender to the web page for the remittance service provided by the remittance intermediary server device 10. .. In addition, the sender inputs recipient information regarding the recipient of the remittance destination. The first terminal device 20 transmits the first identity verification information and the recipient information related to the sender to the remittance intermediary server device 10.

In S2, the remittance intermediary server device 10 requests the first account information from the first account server device 30 based on the first identity verification information.

In S3, the first account server device 30 transmits the first account information to the remittance intermediary server device 10 with reference to the user information table 11a.

In S4, the remittance intermediary server device 10 registers the remittance sender's identification code (user ID) and the first account information in association with the account information table 11b described later.

In S5 to S8, the remittance intermediary server device 10 identifies the recipient based on the recipient information, acquires the second identity verification information from the recipient's second terminal device 40, and the second account server device 50 to the second. Get account information. The remittance intermediary server device 10 registers the recipient's identification code (user ID) and the second account information in association with the account information table 11b.

In S9, the remittance intermediary server device 10 associates the first account with the second account. As a result, the combination of the first account whose identity has been confirmed and the second account whose identity has been confirmed is registered. The type of the first account and the type of the second account may be the same type or different types. Account association will be described in detail later.

In this way, by associating the first account and the second account in advance before remittance, the procedure for confirming the identity verification information and the account information, which is executed each time the remittance is made, and the first account and the second account. You can skip the procedure for associating with an account. That is, the remittance procedure is labor-saving.

In particular, the identity verification procedure is important for international remittances from the sender of the first country to the recipient of the second country. Therefore, if the identity verification procedure is executed every time a remittance is made, a large amount of time is required for the remittance process. In the remittance system 1, by executing the account association process in advance, it is possible to save labor in the identity verification procedure at the time of international remittance. That is, smooth international remittance is possible.

Further, although the details will be described later, the remittance intermediary server device 10 may execute confirmation of the validity of the first identity verification information and the second identity verification information. As a result, the integrity of the identity verification information at the time of remittance can be guaranteed.

Further, as will be described in detail later, the remittance intermediary server device 10 has a function of collating the first identity verification information of the sender with the third identity verification information of the sender held by the first account provider. May be good. The same applies to the second identity verification information of the recipient and the fourth identity verification information of the recipient held by the second account provider. This can prevent spoofing of the sender and the recipient.
== Remittance processing ==

3 to 5 are diagrams showing the first to third remittance processes. Hereinafter, the remittance process of remittance from the sender to the recipient with the account association process performed will be described. Although the details will be described later, the sender can select the first to third remittance processing methods.
<< 1st remittance processing >>

The processing procedure of the first remittance processing will be described with reference to FIG.

In the first remittance process, the card system 60 is interposed between the remittance intermediary server device 10 and the second account server device 50, and the refund process in the card infrastructure is used, so that the first account of the sender is substantially achieved. It is a process of executing remittance from the recipient to the second account. The card infrastructure is, for example, a credit card, a debit card, a prepaid card, and the like.

In S11, the first account server device 30 executes the withdrawal process. The withdrawal process is a process of reducing the amount of money transferred from the sender's first account to the recipient's second account from the first account.

In S12, the first account server device 30 transmits the remittance information and the deposit information certifying that the amount has been reduced (withdrawn) in the first account to the remittance intermediary server device 10.

In S13, the remittance intermediary server device 10 identifies the second account associated with the first account, and transmits remittance information indicating the remittance content to the second account to the card system 60.

In S14, the card system 60 executes sales processing. The sales process is a process of generating sales information indicating negative sales from the amount reduced by the first account with respect to the second account. Specifically, for example, when the sender remits 100,000 yen to the recipient using the first terminal device 20, the card system 60 generates sales information with sales of −100,000 yen. ..

In S15, the card system 60 transmits the sales information to the second account server device 50.

In S16, the second account server device 50 executes the refund process. The refund process is a process of recording the amount reduced by the first account based on the sales information as negative sales. That is, the second account server device 50 deposits money in the second account as a refund transaction in the card infrastructure.

According to the first remittance process described above, the remittance from the sender to the recipient can be executed in the form of "refund" by recording negative sales in the second account. When the first remittance process is used in this way, especially in the case of international remittance from the sender of the first country to the recipient of the second country, the remittance via the remittance company or SWIFT (Society for Worldwide Interbank Financial Telecommunication) is used. Compared to remittance, remittance can be executed quickly and at low cost.

Although the above-mentioned card system 60 has been described as being a device different from the second account server device 50, the present invention is not limited to this. For example, the card system 60 may be composed of a second account server device 50 and one computer device.
<< Second remittance processing >>

Next, the processing procedure of the second remittance processing will be described with reference to FIG. Since S21 to S23 are the same as S11 to S13 in the first remittance process, the description thereof will be omitted.

In the second remittance process, for example, the remittance is executed from the third account to the second account via the third account server device 70, so that the remittance is substantially performed from the first account of the sender to the second account of the recipient. It is a process to execute remittance to.

In S24, the third account server device 70 executes the remittance process. The remittance process is a process of specifying the remittance amount by the sender based on the remittance information acquired from the remittance intermediary server device 10 and generating remittance information for causing the third account to transfer the remittance amount to the second account. Is.

In S25, the third account server device 70 transmits the remittance information generated in the remittance process to the second account server device 50 via a remittance infrastructure (not shown). The remittance infrastructure is the infrastructure for executing remittance from the third account to the second account.

In S26, the second account server device 50 executes the deposit process. The deposit process is a process of specifying the deposit amount from the third account to the second account with reference to the remittance information and applying the deposit amount to the second account.

According to the second remittance process described above, in particular, in the international remittance from the sender of the first country to the recipient of the second country, by interposing the third account in the second country, the domestic remittance in the second country can be performed. You can send money in the format. As a result, remittance can be executed more quickly and at a lower cost than remittance via a remittance company or remittance by SWIFT (Society for Worldwide Interbank Financial Telecommunication).
<< Third remittance processing >>

Next, the processing procedure of the third remittance processing will be described with reference to FIG.

In the third remittance process, the cashing information related to cashing in the credit card, which is the second account, is shared between the first account server device 30 and the second account server device 50, and the money is deposited in each account based on the cashing information. A process or withdrawal process can be performed, effectively performing a remittance process from the sender's first account to the recipient's second account.

In S31, the first account server device 30 transmits remittance information indicating the remittance content from the first account to the second account to the remittance intermediary server device 10. The remittance information transmission process in the third remittance process may be before, after, or at the same time as the account association process.

In S32, the remittance intermediary server device 10 identifies the second account associated with the first account and transmits the caching information to the first account server device 30 and the second account server device 50. Here, the caching information is, for example, information indicating the contents cached by the first account, and is generated by, for example, an ATM (Automated Teller Machine) or the like when caching is performed by the first account. The caching information may be included in the transmission information. Further, S32 is not limited to being executed at the time of remittance, and may be executed in advance.

In S33, the first account server device 30 and the second account server device 50 execute the sharing process. The sharing process is, for example, a process of associating the cashing information with the identification code of the sender and the identification code of the recipient. As a result, the contents of caching in the first account are shared by the first account server device 30 and the second account server device 50.

Specifically, when a predetermined amount of money is transferred from the first account to the second account, the first account server device 30 recognizes the cashing information indicating that the predetermined amount of money has been cashed by the first account, and the first The two-account server device 50 recognizes the deposit amount corresponding to the cashing information in the second account.

In S34, the remittance intermediary server device 10 transmits a withdrawal instruction (remittance signal) to the first account server device 30.

In S35, the remittance intermediary server device 10 executes the withdrawal process based on the withdrawal instruction. The withdrawal process is a process of reducing the amount of money transferred from the sender's first account to the recipient's second account from the first account.

In S36, the remittance intermediary server device 10 transmits the remittance instruction to the second account server device 50.

In S37, the second account server device 50 executes the deposit process based on the deposit instruction. The deposit process is a process of increasing the amount of money transferred from the sender's first account to the recipient's second account to the second account.

As a modification of the third remittance processing, instead of the above S34 to S37, the remittance intermediary server device 10 transmits the caching information to the second account server device 50, or sends the caching information to the second account server device. In addition to transmitting to 50, a remittance start signal indicating the start of remittance processing from the first account server device 30 to the second account server device 50 may be transmitted to the second account server device 50. In this case, the second account server device 50 that has received the remittance start signal transmits the withdrawal signal requesting the withdrawal process to the first account server device 30 via the remittance intermediary server device 10. The first account server device 30 executes the withdrawal process when it receives the withdrawal signal. The first account server device 30 transmits, for example, withdrawal completion information indicating that the withdrawal process has been completed to the remittance intermediary server device 10, and the remittance intermediary server device 10 transmits the withdrawal completion information to the second account server device 50. Send to. The second account server device 50 executes the deposit process when it receives the withdrawal completion information.

According to the third remittance process described above, especially in the international remittance from the sender of the first country to the recipient of the second country, by cashing with the first account of the sender of the first country, the second country By depositing money in the recipient's second account, it is possible to realize substantial international remittance, so it is possible to reduce remittance costs and simplify procedures.
[Functional configuration of remittance system 1]

Next, in order to realize the above processing, the remittance intermediary server device 10, the first terminal device 20, the first account server device 30, the second terminal device 40, the second account server device 50, the card system 60, and the first. 3 The functions provided by the account server device 70 will be described.

First, the functional configuration of the remittance intermediary server device 10 will be described with reference to FIG. FIG. 6 is a diagram showing an example of the functional configuration of the remittance intermediary server device 10. As shown in FIG. 6, the remittance intermediary server device 10 includes, for example, a storage unit 11, a first acquisition unit 12a, a second acquisition unit 12b, a third acquisition unit 12c, a fourth acquisition unit 12d, a related unit 13, and effectiveness determination. It has the functions of a unit 14, a fifth acquisition unit 15a, a sixth acquisition unit 15b, a comparison unit 16, a remittance method specifying unit 17, a seventh acquisition unit 18, and a remittance processing unit 19. The function of the remittance intermediary server device 10 is that the control unit (processor 101) of the remittance intermediary server device 10 in FIG. 14 reads and executes the computer program stored in the storage device 103, and each of the remittance intermediary server devices 10 has a function. It is realized by controlling the configuration and so on.

The storage unit 11 stores various information and has a user information table 11a, an account information table 11b, and a related information table 11c.

FIG. 7 shows a configuration example of the user information table 11a. As shown in FIG. 7, the user information table 11a stores user information and includes, for example, user ID, name, date of birth, address, and document data as data items. The user ID indicates an identification code for identifying the sender or recipient. The name, date of birth, and address indicate personal information associated with the user ID. The document data indicates identity verification document image data (image data obtained by scanning a passport, driver's license, health insurance card, etc.) associated with a user ID.

FIG. 8 shows a configuration example of the account information table 11b. As shown in FIG. 8, the account information table 11b includes, for example, a user ID and an account X as data items. The user ID indicates an identification code for identifying the sender or recipient. Account X indicates an account that can be used by the sender or recipient, which is associated with the user ID.

FIG. 9 shows a configuration example of the related information table 11c. As shown in FIG. 9, the related information table 11c includes, for example, a first user ID, a second user ID, and a related account X as data items. The first user ID indicates, for example, an identification code for identifying the sender. The second user ID indicates, for example, an identification code for identifying the recipient. The related account X indicates an account that can be used when the sender of the first user ID sends money to the recipient of the second user ID. As can be seen from FIG. 9, the sender can determine the type of account to use for each recipient. The first user ID may be configured to indicate an identification code for identifying the recipient, and the second user ID may be configured to indicate an identification code for identifying the sender.

The first acquisition unit 12a acquires the first identity verification information related to the opening of the first account of the sender from the first terminal device 20.

The second acquisition unit 12b acquires the second identity verification information related to the opening of the recipient's second account from the second terminal device 40.

The first acquisition unit 12a and the second acquisition unit 12b store various acquired information in the user information table 11a.

As a result of transmitting the first identity verification information acquired by the first acquisition unit 12a to the first account provider, the third acquisition unit 12c is transmitted from the first account provider based on the first identity verification information. Obtain the first account information.

As a result of transmitting the second identity verification information acquired by the second acquisition unit 12b to the second account provider, the fourth acquisition unit 12d is transmitted from the second account provider based on the second identity verification information. Get the second account information.

The third acquisition unit 12c and the fourth acquisition unit 12d store various acquired information in the account information table 11b.

The related unit 13 refers to the user information table 11a and the account information table 11b, and is based on the first account information acquired by the third acquisition unit 12c and the second account information acquired by the fourth acquisition unit 12d. Then, the first account and the second account are associated with each other. Specifically, the remittance sender inputs the first account information regarding at least one first account to be used with the predetermined recipient into the first terminal device 20. Similarly, the recipient inputs the second account information regarding at least one second account to be used with the predetermined remittance to the second terminal device 40. The related unit 13 acquires the first identity verification information and the first account information input by the sender, and identifies the first account used by the sender with the predetermined recipient. Similarly, the related unit 13 acquires the second identity verification information and the second account information input by the recipient, and identifies the second account used by the recipient with the predetermined remittance sender. The related unit 13 associates the specified first and second accounts with the sender's identification code and the recipient's identification code, and stores them in the related information table 11c. As a result, the remittance person can execute the remittance procedure by selecting the first account and the second account linked in advance, omitting the troublesome procedure such as identity verification at the time of remittance.

The validity determination unit 14 determines the validity of the first account based on the first account information acquired from the first account server device 30, and determines the validity of the first account based on the second account information acquired from the second account server device 50. To determine the validity of. Specifically, the validity determination unit 14 provides a method of confirming the existence of an account by a bank API (Application Programming Interface), a method of confirming the validity by utilizing a credit card network, and other methods provided by an account provider. Check the validity of the account by the confirmation method. As a result, the certainty of remittance can be guaranteed.

The fifth acquisition unit 15a receives the information for identity verification provided by the remittancer when the first account is opened from the first account server device 30 (first account provider) that opened the first account. Acquire the third identity verification information to be shown.

The sixth acquisition unit 15b receives the information for identity verification provided by the recipient when the second account is opened from the second account server device 50 (second account provider) that opened the second account. Acquire the 4th identity verification information to be shown.

Based on the third identity verification information and the fourth identity verification information acquired by the fifth acquisition unit 15a and the sixth acquisition unit 15b, the legitimacy of the sender and the recipient can be confirmed by the comparison unit 16 described later.

When the comparison unit 16 (first comparison unit, second comparison unit) receives the remittance information from the first account server device 30, it compares the first identity verification information with the third identity verification information, and the second identity verification unit 16 Compare the confirmation information with the fourth identity verification information. The comparison unit 16 collates, for example, a predetermined item in the first identity verification information with a predetermined item in the third identity verification information acquired by the fifth acquisition unit 15a, and determines whether or not they match. .. Similarly, for example, a predetermined item in the second identity verification information is collated with a predetermined item in the fourth identity verification information acquired by the sixth acquisition unit 15b, and it is determined whether or not they match. If it is determined that they do not match, the comparison unit 16 determines that the sender or recipient may be spoofing and suspends the remittance procedure. This eliminates spoofing of senders and recipients.

In addition, the comparison unit 16 compares the first identity verification information with the third identity verification information at predetermined time intervals or when the first identity verification information and the second identity verification information are changed, and the second identity verification is performed. The information may be compared with the fourth identity verification information. As a result, the integrity of the sender's first identity verification information and the recipient's second identity verification information can be ensured, so that the remittance procedure can be performed smoothly.

The remittance method specifying unit 17 specifies the remittance process based on the first selection information indicating a predetermined remittance process selected from the plurality of remittance processes by the first terminal device 20. Specifically, the remittance method specifying unit 17 specifies from the first to third remittance processing, remittance processing between bank accounts using SWIFT, remittance processing using a remittance business operator, and the like, based on the selection information. As a result, the remittance process can be executed by the remittance method desired by the remittance sender, which improves the convenience of the remittance sender. In particular, since the remittance method is fixed in international remittance, the remittance method options of the sender can be expanded.

In addition, the remittance method specifying unit 17 identifies the account used by the sender at the time of remittance based on the first-selected account information indicating a predetermined account selected from the plurality of first accounts. In addition, the remittance method specifying unit 17 identifies the account used by the recipient at the time of remittance based on the second selection account information indicating a predetermined account selected from the plurality of second accounts. As a result, the remittance process can be executed by the account (bank account, prepaid card, credit card, etc.) that the sender and the recipient desire to use, which improves the convenience of the sender and the recipient.

The seventh acquisition unit 18 acquires remittance information for remittance from the sender to the recipient in a state where the first account and the second account are associated with each other.

The remittance processing unit 19 executes a process of remittance from the first account to the second account in a state where the first account and the second account are associated with each other.

In the first remittance processing, the remittance processing unit 19 makes a negative sales to the second account to the second account server device 50 that manages the second account based on the remittance information acquired by the seventh acquisition unit 18. Send sales information for recording. As a result, remittance from the sender to the recipient can be realized in the form of "refund".

In the second remittance processing, the remittance processing unit 19 transfers the third account to the third account server device 70 that manages the third account in the same country as the second account based on the remittance information acquired by the seventh acquisition unit 18. Send remittance information from your account to the second account. As a result, international remittance can be substantially realized in the form of domestic remittance in the second country.

In the third remittance process, the remittance processing unit 19 transmits cashing information to the first account server device 30 and the second account server device 50 based on the remittance information acquired by the seventh acquisition unit 18. As a result, the first account server device 30 executes the withdrawal process, and the second account server device 50 executes the deposit process, so that the first account server device 30 substantially uses a credit card, for example, in the second country. International remittance can be realized.

Next, with reference to FIG. 10, the functional configurations of the first terminal device 20 and the second terminal device 40 will be described. The second terminal device 40 has the same functional configuration as the first terminal device 20 except that it is operated by the recipient, and thus the description thereof will be omitted. FIG. 10 is a diagram showing an example of the functional configuration of the first terminal device 20. As shown in FIG. 10, the first terminal device 20 has the functions of an input unit 21, a transmission / reception unit 22, and a display control unit 23. The function of the first terminal device 20 is that the control unit (processor 101) of the first terminal device 20, shown in FIG. 14, reads and executes the computer program stored in the storage device 103, and the first terminal device 20 has a function. It is realized by controlling each configuration.

The input unit 21 receives various types of information according to the operation of the first terminal device 20 by the remittancer. For example, the input unit 21 accepts the input of the first identity verification information of the sender used for the identity verification in response to the operation by the sender. In addition, the input unit 21 accepts the input of the identity verification document image data according to the operation by the remittance sender. For operations by the sender, for example, the identity verification document image data obtained by scanning or imaging the sender's identity verification documents (for example, passport, driver's license, health insurance card, etc.) is sent to the first terminal device 20. Includes download operations.

The transmission / reception unit 22 controls the transmission / reception of data in the first terminal device 20. For example, the transmission / reception unit 22 transmits the information input by the input unit 21 to an external device such as the remittance mediation server device 10. In addition, the transmission / reception unit 22 receives notifications and various information from an external device such as the remittance mediation server device 10.

The display control unit 23 controls the display of the display device 107 included in the first terminal device 20 or connected to the first terminal device 20. For example, the display control unit 23 controls to generate various screens (user interfaces) necessary for proceeding with the procedure for confirming the identity of the sender and display them on the display device 107.

Next, with reference to FIG. 11, the functional configurations of the first account server device 30, the second account server device 50, the card system 60, and the third account server device 70 will be described. Since the second account server device 50, the card system 60, and the third account server device 70 have the same functional configuration as the first account server device 30, the description thereof will be omitted.

FIG. 11 is a diagram showing an example of the functional configuration of the first account server device 30. As shown in FIG. 11, the first account server device 30 has the functions of the first user information table 31, the acquisition unit 32, and the transmission unit 33. The function of the first account server device 30 is that the control unit (processor 101) of the first account server device 30 shown in FIG. 15 reads and executes the computer program stored in the storage device 103, and the first account server device 30 has a function. It is realized by controlling each configuration of 30 and the like.

The first user information table 31 is a table in which, for example, the first account information is associated with the user information table 11a of the remittance intermediary server device 10. That is, the first user information table 31 is a table in which the first identity verification information and the first account information are linked.

The acquisition unit 32 acquires the information transmitted from the external device. For example, the first account server device 30 acquires a request for transmitting the first account information from the remittance intermediary server device 10.

The transmission unit 33 transmits various information to the external device. For example, in the first account server device 30, the first account information is transmitted to the remittance intermediary server device 10 in response to the request acquired by the acquisition unit 32.
[Processing procedure of remittance mediation server device 10]

FIG. 12 is a flow chart showing an example of the account association process of the remittance intermediary server device 10. FIG. 13 is a flow chart showing an example of the first to third remittance processing of the remittance intermediary server device 10. In the following, first, with reference to FIG. 12, the account association process executed by the remittance intermediary server device 10 will be described. Next, with reference to FIG. 13, the first to third remittance processes executed by the remittance intermediary server device 10 in the state where the account association process has been performed will be described.

First, in S100, the remittance intermediary server device 10 acquires the first identity verification information from the sender via the first terminal device 20. In S101, the remittance intermediary server device 10 acquires the first account information from the first account server device 30 based on the first identity verification information. Further, in S102, the remittance intermediary server device 10 acquires the recipient information from the remittance via the first terminal device 20.

Next, in S103, the remittance intermediary server device 10 acquires the second identity verification information from the recipient via the second terminal device 40. In S104, the remittance intermediary server device 10 acquires the second account information from the second account server device 50 based on the second identity verification information.

Next, in S105, the remittance intermediary server device 10 associates the first account with the second account. As a result, the first account of the remittance source and the second account of the remittance destination can be associated in advance, so that it is not necessary to perform the identity verification procedure each time the remittance is made, so that the remittance processing procedure can be saved.

Next, in S106, the remittance intermediary server device 10 executes the remittance process. The remittance process will be described below.

First, in S201, the remittance intermediary server device 10 specifies the remittance method. The remittance method includes remittance by SWIFT, remittance by a remittance operator, first remittance processing, second remittance processing, and third remittance processing. The remittance person selects a remittance method on the Web page for the remittance service provided by the remittance intermediary server device 10 in the first terminal device 20. The first terminal device 20 transmits selection information regarding the selected remittance method to the remittance intermediary server device 10, and the remittance intermediary server device 10 specifies the remittance method based on the selection information (S201). Hereinafter, in FIG. 13, the description of the remittance by SWIFT and the remittance by the remittance company is omitted for convenience, and the processing procedure when the first remittance processing, the second remittance processing, or the third remittance processing is selected will be described. ..

When the first remittance process is specified (S201: first remittance process), in S202, the first account information and the second account information determined by referring to the related information table 11c in the first terminal device 20 are displayed. 1 Obtained from the terminal device 20.

In S203, the remittance intermediary server device 10 confirms the payment status in the first account based on the payment information.

When the payment has been confirmed in S204, the remittance intermediary server device 10 transmits the remittance information for remittance to the second account in the form of "refund" to the card system 60.

When the second remittance process is specified (S201: second remittance process), the first account information and the second account information are acquired from the first terminal device 20 in S205 as in S202.

In S206, the remittance intermediary server device 10 confirms the payment status in the first account based on the payment information.

When the payment has been confirmed in S207, the remittance intermediary server device 10 transmits the remittance information for remittance from the third account in the second country to the second account in the same country to the third account server device 70.

When the third remittance process is specified (S201: third remittance process), the first account information and the second account information are acquired from the first terminal device 20 in S208 as in S202.

In S209, the remittance intermediary server device 10 acquires the cashing information based on the remittance information, and transmits the cashing information to the first account server device 30 and the second account server device 50. As a result, cashing information is shared between the remittance source and the remittance destination.

In S2010 and S211 the remittance intermediary server device 10 transmits a withdrawal instruction to the first account server device 30 and a deposit instruction to the second account server device 50. As a result, the contents cached in the first account are reflected in the first account and the second account.
[Hardware configuration]

With reference to FIG. 14, the remittance mediation server device 10, the first terminal device 20, the first account server device 30, the second terminal device 40, the second account server device 50, the card system 60, and the third account server device 70. An example of the hardware configuration in the case where the above is realized by the computer 100 will be described. The function of each device can be realized by dividing it into a plurality of devices.

FIG. 15 is a diagram showing an example of the hardware configuration of the computer. As shown in FIG. 15, the computer 100 includes a processor 101, a memory 102, a storage device 103, an input I / F unit 104, a data I / F unit 105, a communication I / F unit 106, and a display device. Includes 107.

The processor 101 is a control unit that controls various processes in the computer 100 by executing a program stored in the memory 102.

The memory 102 is, for example, a storage medium such as a RAM (Random Access Memory). The memory 102 temporarily stores the program code of the program executed by the processor 101 and the data required when the program is executed.

The storage device 103 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 103 stores an operating system and various programs for realizing each of the above configurations.

The input I / F unit 104 is a device for receiving input from the user. Specific examples of the input I / F unit 104 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 104 may be connected to the computer 100 via an interface such as USB (Universal Serial Bus).

The data I / F unit 105 is a device for inputting data from the outside of the computer 100. Specific examples of the data I / F unit 105 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 105 is provided outside the computer 100. In that case, the data I / F unit 105 is connected to the computer 100 via an interface such as USB.

The communication I / F unit 106 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 100. It is also conceivable that the communication I / F unit 106 is provided outside the computer 100. In that case, the communication I / F unit 106 is connected to the computer 100 via an interface such as USB.

The display device 107 is a device for displaying various types of information. Specific examples of the display device 107 include a liquid crystal display, an organic EL (Electro-Lumisensence) display, a display of a wearable device, and the like. The display device 107 may be provided outside the computer 100. In that case, the display device 107 is connected to the computer 100 via, for example, a display cable or the like. Further, when the touch panel is adopted as the input I / F unit 104, the display device 107 can be integrally configured with the input I / F unit 104.
[Other Examples]

The remittance mediation server device 10 may have a requirement information database 11d. The remittance intermediary server device 10 refers to the requirement information database 11d, and the first identity verification information acquired by the first acquisition unit 12a and the second identity verification information acquired by the second acquisition unit 12b are the first accounts. And it can be determined whether or not it has the information necessary to acquire the second account. As a result, the account association process can be smoothly executed.

FIG. 15 shows a configuration example of the requirement information database 11d. As shown in FIG. 15, the requirement information database 11d includes, for example, a country ID, a financial institution ID, and necessary information as data items. The country ID is an identification code for identifying a country. The financial institution ID is an identification code for identifying each financial institution associated with the country ID. The necessary information is information (name, address, date of birth, various image data, etc.) necessary for opening an account at each financial institution linked to the country ID. Hereinafter, the country ID, the financial institution ID, and the necessary information associated with them are collectively referred to as "requirement information".

Further, in the above description, it has been described that the first terminal device 20 executes the account association process by transmitting the first identity verification information and the recipient information to the remittance intermediary server device 10, but the present invention is not limited to this. In other words, in FIG. 2, the association between the first account and the second account is executed in response to the request from the sender, but the first account and the second account are associated with each other in response to the request from the recipient. You may perform the association. This facilitates remittances between accounts and companies where the sender and recipient are the same person.

The second remittance process has been described as a process of remittance from the sender to the recipient in a state where the account association process is performed, but the present invention is not limited to this. When the second remittance process is executed, the account association process may not be executed in advance. As a result, the second remittance process can be realized with a simple system configuration.

1 ... Remittance system, 10 ... Remittance mediation server device, 12a ... 1st acquisition unit, 12b ... 2nd acquisition unit, 12c ... 3rd acquisition unit, 12d ... 4th acquisition unit, 13 ... Related department, 14 ... Validity judgment Units, 15a ... 5th acquisition unit, 15b ... 6th acquisition unit, 16 ... comparison unit, 17 ... remittance method identification unit, 18 ... 7th acquisition unit, 19 ... remittance processing unit, 20 ... first terminal device, 30 ... 1st account server device, 40 ... 2nd terminal device, 50 ... 2nd account server device.

Claims (11)

The first acquisition department that acquires the first identity verification information indicating the information for identity verification related to the opening of the first account of the remittance sender from the remittance party.
A second acquisition unit that acquires second identity verification information indicating information for identity verification related to the opening of the second account of the recipient from the recipient who receives the remittance from the sender.
Based on the first account information regarding the first account acquired based on the first identity verification information and the second account information regarding the second account acquired based on the second identity verification information, the first The related part that associates one account with the second account,
A remittance processing unit that executes a process of remittance from the first account to the second account in a state where the first account and the second account are associated with each other.
A remittance system characterized by being equipped with. The first account is an account in the first country and
The remittance system according to claim 1, wherein the second account is an account in a second country different from the first country. A third acquisition department that acquires the first account information from the first business operator who opened the first account based on the first identity verification information.
The 4th acquisition department that acquires the 2nd account information from the 2nd business operator who opened the 2nd account based on the 2nd identity verification information.
The remittance system according to claim 1 or 2, further comprising. A first validity determination unit that determines the validity of the first account based on the first account information,
A second validity determination unit that determines the validity of the second account based on the second account information,
The remittance system according to any one of claims 1 to 3, further comprising. With the 5th acquisition department that acquires the 3rd identity verification information indicating the information for identity verification provided by the remittance sender when the 1st account is opened from the 1st business operator who opened the 1st account. ,
A first comparison unit that compares the first identity verification information with the third identity verification information when the remittance processing unit executes a remittance process.
The remittance system according to any one of claims 1 to 4, further comprising. With the 6th acquisition department that acquires the 4th identity verification information indicating the information for identity verification provided by the recipient when opening the 2nd account from the 2nd business operator who opened the 2nd account. ,
A second comparison unit that compares the second identity verification information with the fourth identity verification information when the remittance processing unit executes a remittance process.
The remittance system according to any one of claims 1 to 5, further comprising. The first account and the second account are accounts related to the card.
The related unit further includes a seventh acquisition unit that acquires remittance information for remittance from the sender to the recipient in a state where the first account and the second account are associated with each other.
The remittance processing unit is characterized in that, based on the remittance information, the remittance processing unit transmits sales information for recording negative sales to the second account to the second business operator who manages the second account. The remittance system according to any one of claims 1 to 6. The related unit further includes a seventh acquisition unit that acquires the first remittance information for remittance from the sender to the recipient in a state where the first account and the second account are associated with each other.
Based on the first remittance information, the remittance processing unit causes a third business operator who manages the third account in the same country as the second account to transfer money from the third account to the second account. The remittance system according to any one of claims 1 to 6, wherein the second remittance information is transmitted. Further provided with a seventh acquisition unit for acquiring remittance information for remittance from the sender to the recipient.
The remittance processing unit
The first business operator who opened the first account and the second account who opened the second account based on the remittance information in the state where the first account and the second account are related in the related part. In order to have the business operator share the cashing information regarding the predetermined amount of money to be remitted from the first account to the second account, the cashing information is transmitted to the first business operator and the second business operator.
A remittance signal for causing the first business operator to remit money from the first business operator to the second business operator is output to the first business operator based on the cashing information, or the cashing information is sent to the second event person. The remittance system according to any one of claims 1 to 6, wherein a remittance start signal for starting remittance from the first business operator to the second business operator is output based on the above. The computer
The first acquisition step of acquiring the first identity verification information indicating the information for identity verification related to the opening of the first account of the sender from the remittancer, and the first acquisition step.
The second acquisition step of acquiring the second identity verification information indicating the information for identity verification related to the opening of the second account of the recipient from the recipient who receives the remittance from the sender.
Based on the first account information regarding the first account acquired based on the first identity verification information and the second account information regarding the second account acquired based on the second identity verification information, the first Related steps to associate one account with the second account,
A remittance processing step of executing a process of remittance from the first account to the second account with the first account and the second account associated with each other.
Remittance method to realize. On the computer
Obtaining the first identity verification information from the sender, which indicates the information for identity verification related to the opening of the first account of the sender, and
Obtaining the second identity verification information indicating the information for identity verification related to the opening of the second account of the recipient from the recipient who receives the remittance from the sender.
Based on the first account information regarding the first account acquired based on the first identity verification information and the second account information regarding the second account acquired based on the second identity verification information, the first Associating one account with the second account
To execute the process of remittance from the first account to the second account in a state where the first account and the second account are associated with each other.
A program to realize.