JP7052127B1 - Grant device, grant method and grant program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To accurately identify a remittance destination. SOLUTION: The granting device according to the present application is an acquisition unit for acquiring remittance information (for example, information including purpose information indicating the purpose of the remittance of the remittance) regarding the remittance performed by the remittance using a predetermined payment means. , Information set according to the remittance information acquired by the acquisition unit, and is information for the sender to identify the user of the remittance destination (for example, "family" or "friend", It is characterized by having a granting unit that grants "learning" etc.) to the user of the remittance destination. [Selection diagram] Fig. 1

Description

The present invention relates to a granting device, a granting method and a granting program.

Conventionally, a technique for managing information related to various payments made by a user has been known. As an example of such a technique, a technique has been proposed in which the transaction history of a bank account is loaded and the transaction content of each transaction in the transaction history is displayed in message units in a chat room generated for the bank account. There is.

Japanese Unexamined Patent Publication No. 2020-109643

However, with the above-mentioned conventional technique, the user cannot always accurately identify the remittance destination.

For example, in the above-mentioned prior art, the chat room only displays the profile on the messenger of the transaction target, and if multiple transaction targets have similar profiles, it may not be possible to identify each transaction target. Therefore, it is not always possible for the user to accurately identify the remittance destination.

The present application has been made in view of the above, and an object of the present application is to provide a granting device, a granting method, and a granting program that allow a user to accurately identify a remittance destination.

The granting device according to the present application is an acquisition unit for acquiring remittance information related to remittance performed by the sender using a predetermined payment means, and information set according to the remittance information acquired by the acquisition unit. The remittance sender is characterized by having a granting unit that assigns identification information, which is information for identifying the user of the remittance destination, to the user of the remittance destination.

According to one aspect of the embodiment, there is an effect that the user can accurately identify the remittance destination.

FIG. 1 is a diagram showing an example of a grant process according to an embodiment. FIG. 2 is a diagram showing an example of a screen of the terminal device according to the embodiment. FIG. 3 is a diagram showing a configuration example of a payment server according to an embodiment. FIG. 4 is a diagram showing an example of an account database according to an embodiment. FIG. 5 is a diagram showing an example of a user information database according to an embodiment. FIG. 6 is a flowchart showing an example of the procedure of the granting process according to the embodiment. FIG. 7 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server.

Hereinafter, the granting device, the granting method, and the embodiment for implementing the granting program (hereinafter referred to as “embodiment”) according to the present application will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the granting device, granting method and granting program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Embodiment]
The granting process realized by the granting apparatus and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a grant process according to an embodiment. In FIG. 1, it is assumed that the payment server 10, which is an example of the granting device according to the present embodiment, realizes the granting process according to the embodiment.

As shown in FIG. 1, the grant system 1 according to the embodiment includes a payment server 10 and a terminal device 100. The payment server 10 and the terminal device 100 are connected to each other via a network N (see, for example, FIG. 3) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The granting system 1 shown in FIG. 1 may include a plurality of payment servers 10 and a plurality of terminal devices 100.

The payment server 10 shown in FIG. 1 is an information processing device that executes a grant process according to an embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the terminal device 100. For example, the payment server 10 manages the accounts of the provider of the transaction target and the user to which the transaction target is provided, and transfers electronic money between the accounts in accordance with the payment request from the user. Realize various payments. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

The terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 100 displays the information distributed by the payment server 10 by a web browser or an application.

In the example shown in FIG. 1, a case where the terminal device 100 is a smartphone is shown. Further, in the example shown in FIG. 1, the terminal device 100 will be described as the terminal devices 100-1 to 100-N (N is an arbitrary natural number) depending on the user who uses the terminal device 100. For example, the terminal device 100-1 is a terminal device 100 used by a user (user U1) identified by the user ID "U1". Further, in the following, when the terminal devices 100-1 to 100-N will be described without particular distinction, they will be referred to as the terminal device 100.

Further, when the terminal device 100 receives the control information for realizing the predetermined information processing from the payment server 10, the terminal device 100 realizes the information processing according to the control information. Here, the control information is described in, for example, a script language such as Javascript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). The predetermined application itself distributed from the payment server 10 may be regarded as control information.

[1-1. About payment using terminal device 100]
Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the grant processing executed by the payment server 10. In the following description, an application distributed from the payment server 10 for electronic payment using the terminal device 100 (hereinafter, may be simply referred to as a “payment application”) is installed in the terminal device 100. It is assumed that it has been done. Further, in the following description, the user U1 uses the two-dimensional code (QR code (registered trademark)) arranged in the store and indicates the store identification information for identifying the store, and the user U1 uses the terminal device 100. An example of making a payment using -1 will be described, but the embodiment is not limited to this. The example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 100. Further, the store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U1 uses or purchases a payment target (transaction target) such as various products or services at a store, the user U1 uses a payment application pre-installed on the terminal device 100-1. to start. Then, the user U1 photographs the store identification information installed in the store via the payment application. In such a case, the terminal device 100-1 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 or the store clerk. Then, the terminal device 100-1 setstles the user identification information for identifying the user U1 and the store identification information (or the information indicated by the store identification information, that is, the information indicating the store (for example, the store ID)). The payment information indicating the amount of money is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store indicated by the store identification information. Then, the payment server 10 transmits a notification to the terminal device 100-1 that the payment has been completed. In such a case, the terminal device 100-1 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice.

The payment using the terminal device 100 is not limited to the above-mentioned processing. For example, the payment using the terminal device 100 may be performed using a store terminal installed in the store. To give a specific example, the terminal device 100-1 displays the user identification information for identifying the user U1 on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100-1, and the user identification information (or the information indicated by the user identification information, that is, the user U1). Information (for example, user ID) indicating the above, the payment amount, and the payment information indicating the information for identifying the store are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store, and the store terminal of the store or the terminal device 100-. You may notify 1 that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the terminal device 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U1 to the account of the store, but also, for example, a credit card registered in advance by the user U1. It may be the payment used. In such a case, for example, the terminal device 100 may transfer the electronic commerce payment amount to the store account and charge the payment amount to the credit card management company of the user U1.

Further, the payment using the terminal device 100-1 is not only a process of transferring electronic money from the account of the user U1 to the account of the store, but also, for example, from the account of the user U1 to the account of another user. It may be a payment for transferring electronic money (that is, a remittance between users). For example, the terminal device 100-1 used by the user U1 of the remittance source has user identification information for identifying the user of the remittance destination (for example, the user identification displayed on the terminal device used by the user of the remittance destination). Information) is read, the input of the remittance amount is received from the user U1, and the read identification information, the remittance amount, and the information indicating the user identification information for identifying the user U1 are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user of the remittance destination, and the terminal device 100-1 or the user of the remittance destination. The terminal device used by the user may be notified that the remittance has been performed by outputting a screen indicating that the remittance has been completed or a predetermined voice.

The remittance using the terminal device 100 is not limited to the above-mentioned processing. For example, remittance using the terminal device 100 may be performed by inputting the telephone number of the user of the remittance destination and information indicating the user of the remittance destination (for example, user ID) into the terminal device 100. .. To give a specific example, the terminal device 100-1 accepts the input of the remittance destination user's telephone number or user ID and the remittance amount from the user U1, and the input telephone number or user ID. And the remittance amount and the user identification information that identifies the user U1 are transmitted to the payment server 10. Then, the payment server 10 transfers the electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user associated with the transmitted telephone number or the user ID.

Here, the telephone number and user ID of the remittance destination user may be registered in advance in the payment application in association with the information about the user. In this case, the terminal device 100-1 accepts the designation of the user (remittance destination) registered in the payment application and the input of the remittance amount to the user from the user U1 and links it to the designated user. The attached telephone number or user ID, the remittance amount, and the user identification information that identifies the user U1 are transmitted to the payment server 10.

Further, for example, the remittance using the terminal device 100 may be performed by providing the link information for receiving the remittance amount to the user of the remittance destination. To give a specific example, the terminal device 100-1 accepts the input of the remittance amount from the user U1 and generates the link information for receiving the remittance amount, and sends an e-mail containing the link information or links. By posting the posted information including the information to the SNS (Social Networking Service), the link information is provided to the terminal device used by the user of the remittance destination. Then, when the user of the remittance destination selects the link information and performs the receiving operation, the payment server 10 electronically transfers the amount indicated by the remittance amount from the account of the user U1 to the account of the user of the remittance destination. Transfer money.

[1-2. About the outline of the embodiment]
Here, as an example of a technique for managing information related to various payments made by a user, the transaction history of a bank account is loaded, and each transaction in the transaction history is performed in a chat room generated for the bank account. A technique for displaying the transaction details for each case in message units has been proposed. However, with such technology, the chat room only displays the profile on the messenger of the transaction target, and if multiple transaction targets have similar profiles, or if the transaction target has its own handle name, If a profile such as a nickname is adopted, it may not be possible to identify each transaction target, and the user may not always be able to accurately identify the remittance destination.

Therefore, the payment server 10 executes the grant process according to the embodiment. Hereinafter, the grant process executed by the payment server 10 will be described with reference to FIG. In the following description, the terminal device 100 may be equated with the user. That is, in the following, the user U1 can be read as the terminal device 100-1.

First, the payment server 10 acquires remittance information related to remittance using the payment application from the terminal device 100-1 (step S1). For example, the payment server 10 acquires remittance information related to the remittance performed by the user U1 to the users U2, U3, ... By using the method using the payment application described above, and stores the remittance in the storage unit of the own device. accumulate. To give a specific example, the payment server 10 acquires remittance information indicating the remittance amount, user identification information (user ID) that identifies the user at the remittance destination, the remittance amount, the date and time when the remittance was made, and the like. do.

The payment server 10 may acquire remittance information including purpose information indicating the purpose of remittance. For example, the payment server 10 is content displayed on the terminal device 100 used by the user when the user at the remittance destination performs an operation for receiving the remittance amount, and the user U1 performs an operation related to the remittance. Acquires remittance information including purpose information indicating content (hereinafter, may be referred to as "theme") that visually indicates the purpose of the remittance selected at the time of remittance. To give a specific example, the payment server 10 acquires remittance information including purpose information indicating a theme such as "drinking fee", "pocket money", and "birthday".

Further, the payment server 10 may further acquire related information indicating a user having a predetermined relationship with the user U1. For example, in the payment server 10, when the user U1 registers the telephone number and user ID of the remittance destination user in the payment application in advance as described above, the relationship between the user U1 and the remittance destination user. The input of the information indicating the above is received from the user U1 and the received information is acquired as the related information.

Further, the payment server 10 may further acquire the usage history of the user U1 in a service other than the electronic payment service provided by the own device. For example, the payment server 10 acquires information registered by the user U1 in the telephone directory (address book) function of various telecommunications services. Further, the payment server 10 acquires information regarding the use of a service (for example, a family discount service in a telecommunications service) that can be subscribed to by the user U1 and a user having a predetermined relationship with the user U1.

Subsequently, the payment server 10 estimates the relationship between the remittance sender (user U1) and the remittance destination user based on the acquired remittance information (step S2). For example, the payment server 10 estimates the relationship between the user U1 and the remittance destination user based on the remittance information. To give a specific example, in the payment server 10, when the frequency of remittances made by the user U1 to the user at the remittance destination is equal to or higher than a predetermined threshold value, the user U1 and the user at the remittance destination Estimate that the relationship is "family" or "friend". Further, in the payment server 10, when the user U1 remits a certain amount of money to the remittance destination user on a regular basis (for example, once a month), the remittance destination user is a teacher of lessons. It is presumed that the relationship between the user U1 and the remittance destination user is a "learning".

When the target information is acquired in step S1, the payment server 10 may estimate the relationship between the user U1 and the remittance destination user based on the target information. For example, the payment server 10 estimates that the relationship between the user U1 and the remittance destination user is "family" when the theme selected by the user U1 at the time of remittance is "pocket money". Further, when the theme selected by the user U1 at the time of remittance is "drinking fee", the payment server 10 estimates the relationship between the user U1 and the remittance destination user as "friend".

Further, when the relationship information is acquired in step S1, the payment server 10 may estimate the relationship between the user U1 and the remittance destination user based on the relationship information. For example, when the user U1 remits money to another user at a frequency corresponding to the frequency of remittance of the user U1 to the user whose relationship with the user U1 is a "friend". The relationship between the person U1 and the other user is presumed to be a "friend".

Further, when the usage history of the user U1 in a service other than the electronic payment service is acquired in step S1, the payment server 10 estimates the relationship between the user U1 and the user of the remittance destination based on the usage history. You may. For example, in the telephone directory function of a telecommunications service, user U1 registers information "family" indicating the relationship between a telephone number and the user to whom the telephone number is called, and associates the telephone number with the telephone number. When the user of the remittance destination is registered in the payment application, the payment server 10 estimates that the relationship between the user U1 and the user of the remittance destination is "family". Further, when the user U1 and another user subscribe to the family discount service, the payment server 10 estimates that the relationship between the user U1 and the other user is "family".

Subsequently, the payment server 10 gives the remittance destination user identification information, which is information for the remittance sender (user U1) to identify the remittance destination user (step S3). For example, the payment server 10 imparts identification information indicating a relationship such as “family”, “friend”, “learning”, etc. estimated in step S2 to the user of the remittance destination.

Subsequently, the payment server 10 controls the terminal device 100-1 to control the display of information about the remittance destination user according to the assigned identification information (step S4). For example, the payment server 10 is a terminal device 100-1 so that the user of the remittance destination whose relationship with the user U1 is presumed to be "family" is classified into the category "family" in the payment application and displayed. To control.

Subsequently, the terminal device 100-1 displays information about the remittance destination user in the payment application in response to the operation from the user U1 (step S5). Here, an example of a screen displayed by the terminal device 100-1 in the above-described embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an example of a screen of the terminal device according to the embodiment.

First, the screen C1 displayed by the terminal device 100-1 before the identification information is given to each user of the remittance destination will be described. The screen C1 is a screen for accepting the designation of the user (remittance destination) registered in advance in the payment application used by the user U1, and includes an area AR1 for displaying the users classified into the category "family". It includes an area AR2 that displays users who are not classified into categories. For example, in the example of FIG. 2, the terminal device 100-1 has an icon image indicating each user and a user name (a name set by the user U1 or a name set by each user in the payment application). ) And the information (memo) arbitrarily input by the user U1 are displayed in the areas AR1 and AR2.

Next, the screen C2 displayed by the terminal device 100-1 after the identification information is given to each user of the remittance destination will be described. Similar to the screen C1, the screen C2 is a screen for accepting the designation of the remittance destination registered in advance in the payment application used by the user U1, and the area AR1 displaying the users classified into the category "family". And the area AR3 that displays the users classified in the category "Lessons". For example, in the example of FIG. 2, the terminal device 100-1 displays two users who are given the same user name "CC" by classifying them into categories "family" and "learning", respectively. As a result, the user U1 can identify that the "CC" classified in the category "learning" is a user who has a "learning" relationship, and give a memo such as "teacher in the painting class". It will be possible. Further, for example, the user of the remittance destination sets the user name "EE" independently as the handle name in the payment application, and the user name "EE" gives the user U1 in the life such as offline. Even if the name is different from the name given, the user U1 identifies that the "EE" classified in the category "learning" is a user who has a "learning" relationship, and the "piano teacher" It is possible to add such a memo.

As described above, the payment server 10 according to the embodiment uses the remittance destination to use the identification information which is the information for the user to identify the user of the remittance destination based on the remittance information related to the remittance performed by the user. Give to the person. Thereby, the payment server 10 according to the embodiment can identify and manage the remittance destination to which the user has the same or similar user name. That is, the payment server 10 according to the embodiment allows the user to accurately identify the remittance destination.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to an embodiment. As shown in FIG. 3, the payment server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 100 and the like.

(About the storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 30 has an account database 31 and a user information database 32.

(About account database 31)
The account database 31 stores various information about the account of the user of the electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to an embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying the account. The "owner information" indicates information about the owner (user) who owns the account, and for example, identification information (identifier) for identifying the owner is stored. "Account balance" indicates the balance of the account owned by the user.

That is, FIG. 4 shows an example in which the information of the owner of the account identified by the account ID “AID # 1” is “user # 1” and the account balance is “7800”.

(About user information database 32)
The user information database 32 stores various information about users of the electronic payment service. Here, an example of the information stored in the user information database 32 will be described with reference to FIG. FIG. 5 is a diagram showing an example of a user information database according to an embodiment. In the example of FIG. 5, the user information database 33 has items such as "user ID", "registration information", "usage history", and "remittance information".

The "user ID" indicates identification information for identifying the user. "Registration information" indicates information about a user registered as a remittance destination, and indicates, for example, a telephone number, a user ID, a user name, and a relationship with the user (for example, family members, friends, etc.). Relationship information etc. are stored. "Usage history" indicates the usage history of users in various services. "Remittance information" indicates information on remittances made using an electronic payment service, and has items such as "remittance ID", "remittance amount", "purpose information", "remittance destination", and "date and time". ..

The "remittance ID" indicates identification information for identifying the remittance. "Remittance amount" indicates the amount of money sent to the remittance destination. "Purpose information" indicates purpose information (theme selected at the time of remittance, etc.) indicating the purpose of remittance. The "remittance destination" indicates information (telephone number, user ID, etc.) of the user of the remittance destination. "Date and time" indicates the date and time when the remittance was made.

That is, in FIG. 5, the registration information of the user identified by the user ID “UID # 1” is “registration information # 1”, the usage history of various services is “usage history # 1”, and the remittance ID “PID”. The remittance amount of the remittance identified by "# 1" is "1,000", the purpose information is "purpose information # 1", the remittance destination is "remittance destination # 1", and the date and time when the remittance was made is "date and time # 1". Here is an example.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 3, the control unit 40 according to the embodiment includes an acquisition unit 41, a settlement processing unit 42, a provision unit 43, an grant unit 44, and a display control unit 45, which will be described below. Realize or execute the functions and actions of information processing.

(About acquisition unit 41)
The acquisition unit 41 acquires remittance information regarding remittances made by the sender using a predetermined payment means. For example, in the example of FIG. 1, the acquisition unit 41 acquires remittance information related to remittance using the payment application from the terminal device 100-1 and stores it in the user information database 32.

In addition, the acquisition unit 41 may acquire remittance information including purpose information indicating the purpose of remittance. For example, in the example of FIG. 1, the acquisition unit 41 acquires remittance information including target information indicating a theme selected by the user U1 when performing an operation related to remittance.

In addition, the acquisition unit 41 may further acquire related information indicating a user having a predetermined relationship with the remittance sender. For example, in the example of FIG. 1, when the acquisition unit 41 registers the telephone number and user ID of the remittance destination user in the payment application in advance, the information showing the relationship between the user U1 and the remittance destination user. Is accepted from the user U1 and the received information is acquired as related information.

Further, the acquisition unit 41 may further acquire the usage history of the remittance person in a service other than the service related to the predetermined payment means. For example, in the example of FIG. 1, the acquisition unit 41 acquires the usage history of the user U1 in a service other than the electronic payment service. To give a specific example, the acquisition unit 41 acquires information registered by the user in the telephone directory function of various telecommunications services. In addition, the acquisition unit 41 acquires information regarding the use of services that can be subscribed to by the user and the user having a predetermined relationship with the user.

(About the payment processing unit 42)
The payment processing unit 42 executes the payment processing according to the payment information. For example, when the payment information indicating the user identification information, the store identification information, and the payment amount is transmitted from the terminal device 100, the payment processing unit 42 identifies the store from the user's account indicated by the user identification information. Transfer the amount of electronic money indicated by the payment amount to the store account indicated by the information. Further, when the payment information indicating the user identification information, the payment amount, and the store identification information is transmitted from the store terminal, the payment processing unit 42 uses the store identification information from the user's account indicated by the user identification information. Transfer the amount of electronic money indicated by the payment amount to the account of the store indicated by.

Further, the settlement processing unit 42 may execute a process of transferring the remittance amount from the account held by the user to the account held by the user who is the remittance destination of the remittance amount. For example, in the example of FIG. 1, the payment processing unit 42 executes a process of transferring electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user of the remittance destination.

(About the provider 43)
Here, when the user gives the identification information, which is the information for identifying the user of the remittance destination, to the user of the remittance destination, whether the identification information is provided to the user as a suggestion and the identification information is given. It is conceivable that there is a desire to improve convenience and provide accurate identification information by letting the user select whether or not to use it. Therefore, the providing unit 43 provides the remittancer with content showing the relationship between the sender and the user at the remittance destination, which is estimated based on the remittance information. For example, the providing unit 43 is content indicating the relationship between the sender and the user of the remittance destination estimated based on the remittance information, and is a candidate for identification information corresponding to the relationship (for example, "family"). , "Friends", "Lessons"), and content that allows users to enter new identification information.

(About the granting part 44)
The granting unit 44 provides identification information that is set according to the remittance information acquired by the acquisition unit 41 and is information for the remittance sender to identify the user of the remittance destination. Give to. For example, in the example of FIG. 1, the granting unit 44 refers to the user information database 32, and the user U1 identifies the remittance destination user based on the remittance information regarding the remittance performed by the user U1. The identification information, which is information, is given to the user of the remittance destination.

Further, the granting unit 44 may grant identification information indicating the relationship between the sender and the user of the remittance destination, which is estimated based on the remittance information. For example, in the example of FIG. 1, the granting unit 44 grants identification information indicating the relationship between the user U1 estimated based on the remittance information and the user of the remittance destination to each user of the remittance destination.

Further, the giving unit 44 may give identification information according to the target information. For example, in the example of FIG. 1, when the theme selected by the user U1 at the time of remittance is "pocket money", the granting unit 44 changes the relationship between the user U1 and the remittance destination user to "family". It is estimated that the identification information "family" is given to the user of the remittance destination. Further, when the theme selected by the user U1 at the time of remittance is "drinking fee", the granting unit 44 presumes that the relationship between the user U1 and the remittance destination user is "friend", and the identification information " "Friend" is given to the user of the remittance destination.

Further, the granting unit 44 may grant identification information according to the frequency of remittances made by the sender to the user at the remittance destination. For example, in the example of FIG. 1, when the frequency of remittances made by the user U1 to the user at the remittance destination is equal to or higher than a predetermined threshold value, the granting unit 44 receives the remittance between the user U1 and the user at the remittance destination. It is presumed that the relationship is a "friend", and the identification information "friend" is given to the user of the remittance destination.

Further, the granting unit 44 may grant identification information according to the amount of remittance made by the sender to the user at the remittance destination. For example, in the example of FIG. 1, when the user U1 periodically remits a certain amount of money to the remittance destination user, the remittance destination user is a teacher of lessons. , It is presumed that the relationship between the user U1 and the user of the remittance destination is "learning", and the identification information "learning" is given to the user of the remittance destination.

Further, the granting unit 44 may grant identification information indicating a predetermined relationship to the user corresponding to the user indicated by the related information in the content of the remittance made by the sender. For example, in the example of FIG. 1, the granting unit 44 has a frequency corresponding to the frequency of remittance of the user U1 to a user whose relationship with the user U1 is a "friend", and the user U1 is another user. When remittance is made to a user, the relationship between the user U1 and the other user is presumed to be a "friend", and the identification information "friend" is given to the user at the remittance destination.

Further, the granting unit 44 may grant identification information according to the relationship between the sender and the remittance destination user indicated by the usage history. For example, in the example of FIG. 1, in the telephone directory function of the telecommunications service, the user U1 registers the information "family" indicating the relationship between the telephone number and the destination user by the telephone number. When the user of the remittance destination associated with the telephone number is registered in the payment application, the granting unit 44 estimates that the relationship between the user U1 and the user of the remittance destination is "family". The identification information "family" is given to the user of the remittance destination. Further, when the user U1 and another user subscribe to the family discount service, the payment server 10 estimates the relationship between the user U1 and the other user as a "family" and identifies it. The information "family" is given to the other users.

Further, the giving unit 44 may give identification information based on the operation for the content. For example, the granting unit 44 grants the identification information selected or input in the content provided by the providing unit 43 to the user of the remittance destination.

(About the display control unit 45)
The display control unit 45 controls the display of information about the remittance destination user to the terminal device used by the remittance sender according to the identification information given by the remittance unit 44. For example, in the example of FIG. 1, the display control unit 45 displays the remittance destination user whose relationship with the user U1 is presumed to be "family", classified into the category "family" in the payment application. The terminal device 100-1 is controlled in such a manner.

[3. Flow of grant processing]
Next, the procedure of grant processing of the payment server 10 according to the embodiment will be described with reference to FIG. FIG. 6 is a flowchart showing an example of the procedure of the granting process according to the embodiment.

As shown in FIG. 6, the payment server 10 acquires remittance information regarding the remittance performed by the remittance using a predetermined remittance means (step S101). Subsequently, identification information, which is information set according to the remittance information and is information for the sender to identify the user of the remittance destination, is given to the user of the remittance destination (step S102). Subsequently, the display of information about the remittance destination user is controlled according to the assigned identification information (step S103), and the process is terminated.

[4. Modification example]
The above embodiment shows an example, and various modifications and applications are possible.

[4-1. About payment]
The "settlement" in the present application is not limited to what the user makes as consideration for the provision of various goods and services, for example, for simple transfer of funds such as remittance between individuals, that is, for the provision of goods and services. The concept includes the exchange of funds (remittance) that is not consideration. That is, in the present application, "the acquisition unit that acquires the remittance information related to the remittance performed by the sender using a predetermined payment means, and the information set according to the remittance information acquired by the acquisition unit, that is, the remittance. A granting device characterized by having a granting unit that grants identification information to the user of the remittance destination, which is information for the person to identify the user of the remittance destination, is a settlement performed as some consideration. Not only that, the concept includes the processing of remittances related to simple transfer of funds that is not consideration.

[4-2. About identification information]
In the above-described embodiment, the granting unit 44 has shown an example of granting categories such as “family”, “friends”, and “learning” to the remittance destination user, and the function of the granting unit 44 is such an example. If the sender can identify the user of the remittance destination, any information may be given to the user of the remittance destination as the identification information. For example, the giving unit 44 may give information such as an icon for identifying the user of the remittance destination and a memo.

[4-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes an acquisition unit 41, a payment processing unit 42, a provision unit 43, a grant unit 44, and a display control unit 45. The acquisition unit 41 acquires remittance information regarding remittances made by the sender using a predetermined payment means. The payment processing unit 42 executes the payment processing according to the payment information. The providing unit 43 provides the remittancer with content showing the relationship between the sender and the user at the remittance destination, which is estimated based on the remittance information. The granting unit 44 provides identification information that is set according to the remittance information acquired by the acquisition unit 41 and is information for the remittance sender to identify the user of the remittance destination. Give to. In addition, the granting unit 44 grants identification information indicating the relationship between the sender and the user at the remittance destination, which is estimated based on the remittance information. Further, the granting unit 44 grants identification information based on the operation for the content. The display control unit 45 controls the display of information about the remittance destination user to the terminal device used by the remittance sender according to the identification information given by the remittance unit 44.

As a result, the payment server 10 according to the embodiment can identify the remittance destination to which the user has the same or similar user name, so that the user can accurately identify the remittance destination.

Further, in the payment server 10 according to the embodiment, for example, the granting unit 44 grants identification information according to the frequency of remittances made by the sender to the user at the remittance destination. In addition, the granting unit 44 grants identification information according to the amount of remittance made by the sender to the user at the remittance destination.

As a result, the payment server 10 according to the embodiment can give identification information to the user of the remittance destination based on various information related to the remittance, so that the accuracy of the identification of the remittance destination can be improved.

Further, in the payment server 10 according to the embodiment, for example, the acquisition unit 41 acquires remittance information including purpose information indicating the purpose of remittance. Then, the giving unit 44 gives the identification information according to the target information. In addition, the acquisition unit 41 further acquires related information indicating a user who has a predetermined relationship with the sender. Then, the granting unit 44 grants identification information indicating a predetermined relationship to the user corresponding to the user indicated by the related information in the content of the remittance made by the sender. Further, the acquisition unit 41 further acquires the usage history of the remittance person in a service other than the service related to the predetermined payment means. Then, the granting unit 44 grants identification information according to the relationship between the remittance sender and the remittance destination user indicated by the usage history.

As a result, the payment server 10 according to the embodiment can give identification information to the user of the remittance destination based on various information other than the remittance information, so that the accuracy of the identification of the remittance destination can be improved. can.

[6. Hardware configuration]
Further, the payment server 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. 7. Hereinafter, the payment server 10 will be described as an example. FIG. 7 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the communication interface 1500 receives data generated by the CPU 1100 via the communication network 500 to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing a program loaded on the RAM 1300. Further, the HDD 1400 stores each data in the storage device of the payment server 10. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the configuration of the payment server 10 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 User information database 40 Control unit 41 Acquisition unit 42 Payment processing unit 43 Providing unit 44 Granting unit 45 Display control unit 100 Terminal device

Claims (9)

An acquisition unit that acquires at least the user identification information that identifies the user of the remittance destination, the remittance amount, and the date and time when the remittance was made, regarding the remittance made by the remittance using a predetermined payment method.
Grant that gives identification information to the user of the remittance destination, which is information set according to the remittance information acquired by the acquisition unit and is information for the remittance sender to identify the user of the remittance destination. Has a part and
The granting part is
Based on the remittance information, the relationship between the sender and the user of the remittance destination is estimated, and the identification information indicating the relationship is given.
A granting device characterized by that. The acquisition unit
Acquire the remittance information including the purpose information indicating the purpose of the remittance,
The granting part is
The granting device according to claim 1, wherein the identification information is fastened according to the target information. The granting part is
The granting device according to claim 1 or 2 , wherein the sender grants the identification information according to the frequency of remittances made to the user at the remittance destination. The granting part is
The granting device according to any one of claims 1 to 3 , wherein the sender grants the identification information according to the amount of remittance made to the user at the remittance destination. The acquisition unit
Further acquisition of related information indicating a user having a predetermined relationship with the remittancer,
The granting part is
Claims 1 to 4 characterized in that the content of the remittance made by the remittance gives the identification information indicating the predetermined relationship to the user corresponding to the user indicated by the relationship information. The granting device according to any one of them. The acquisition unit
Further acquire the usage history of the remittance person in a service other than the service related to the predetermined payment method, and obtain the usage history.
The granting part is
The granting device according to any one of claims 1 to 5 , wherein the identification information is fastened according to the relationship between the sender and the user of the remittance destination indicated by the usage history. Further having a providing unit that provides the remittance person with content indicating the relationship between the remittance person and the user of the remittance destination, which is estimated based on the remittance information.
The granting part is
The granting device according to any one of claims 1 to 6 , wherein the identification information is imparted based on an operation on the content. It ’s a computer-executed granting method.
An acquisition process for acquiring at least the user identification information that identifies the user of the remittance destination, the remittance amount, and the date and time when the remittance was made, regarding the remittance performed by the remittance using a predetermined payment method.
Grant that gives identification information to the user of the remittance destination, which is information set according to the remittance information acquired by the acquisition process and is information for the remittance sender to identify the user of the remittance destination. Has a process and
The applying step is
Based on the remittance information, the relationship between the sender and the user of the remittance destination is estimated, and the identification information indicating the relationship is given.
A granting method characterized by that. An acquisition procedure for acquiring at least the user identification information that identifies the user of the remittance destination, the remittance amount, and the date and time when the remittance was made, regarding the remittance made by the remittance using a predetermined payment method.
Grant that gives identification information to the user of the remittance destination, which is information set according to the remittance information acquired by the acquisition procedure and is information for the remittance sender to identify the user of the remittance destination. Have a procedure and
The granting procedure is
Based on the remittance information, the relationship between the sender and the user of the remittance destination is estimated, and the identification information indicating the relationship is given.
A grant program characterized by having a computer do things.

Images