WO2021137266A1 - Compensation payment system - Google Patents

Abstract

[Problem] To solve the problem that when wages, etc., to workers, etc., are paid in advance, there is the possibility of these being spent wastefully. [Solution] In order to solve the above problem, a compensation payment system below is provided. Namely, a compensation payment system is provided which, using a bank account not directly controlled by a worker, etc., as a funds account, charges at the request of the worker a prepayment to the usage quota of chargeable electronic money usable on a portable terminal that the worker uses. Also provided is a method for operating the compensation payment system. Also provided is a program for operating the compensation payment system.

Description

Compensation payment system

The present invention relates to a system, a method and a program capable of making so-called prepayment, which is payment before the due date of labor consideration, etc., and remittance between individuals using the rechargeable electronic money.

As a general rule, payment of labor compensation such as salary is required to be carried out in (1) currency, (2) directly to workers, (3) full amount, (4) at least once a month, and (5) set a fixed date. (Labor Standards Law, Article 24). However, instead of direct payment, if an agreement is reached between the worker, etc. and the employer, the labor consideration may be paid by transfer to a predetermined bank account controlled by the predetermined worker, etc. In recent years, the movement toward deregulation has become active, and various forms of salary payment are being recognized regardless of the above principles.

Japanese Patent No. 6349450

Patent Document 1 discloses a prepaid system for labor consideration that allows an employee to easily receive a predetermined labor consideration based on salary when needed before the salary payment date. Employees can apply for labor compensation payment within the range of the amount of labor compensation that can be applied for, which is calculated based on the cumulative data of working hours and the salary unit price. The upper part of FIG. 3 is a diagram for explaining the receivable amount of labor consideration. It is a graph showing the cumulative amount of labor consideration for employees who have not made prepayments. As shown in this figure, labor consideration is accumulated from the salary payment date based on the labor unit price and working hours (horizontal axis), the amount is fixed as salary on the salary day, and the amount is paid and reset to zero. The lower part of FIG. 3 is a graph showing the cumulative amount of labor consideration for employees who have made prepaid payments. Along with the accumulation of labor consideration, the amount that can be paid in advance is also accumulated along with the working hours. Employees apply for a prepaid amount to the prepaid system and prepaid a portion of the prepaid amount on the prepaid date. On the payday, the amount obtained by deducting the prepaid amount from the salary is paid as salary. The system that received the application for receiving labor consideration calculates the prepaid amount based on the monthly applicable amount and application amount set for each employee, and the transfer data for transferring the prepaid amount to the employee's account. And add it to the transfer data table.

In this way, according to the above system, even before the salary payment date, a part of the labor consideration paid on the payment date, not the full amount, is paid in advance as needed, multiple times. It is possible to receive it over. However, if it is possible to pay the labor consideration within the range of the above-mentioned applicable amount, if the application is made up to the maximum amount that can be applied each time and the consideration is paid, it may be wasted until the next application is made. Problems such as having sex arise.

On the other hand, in recent years, transactions using electronic money other than cash have become active. There is charge-type electronic money in which the balance can be updated by "charging" the electronic money. This "charge" can be executed from the registered resource account. In the past, this resource account was under the control of electronic money users, and it was possible to charge electronic money within the balance of the resource account. In the present invention, this resource account is not placed under the control of the person who receives the labor consideration, and it is determined whether or not it is possible to charge a predetermined amount such as salary as a prepayment, and if possible, the consideration is made as the payment of the labor consideration. Charges the charge-type electronic money (so-called prepaid electronic money) of the recipient. Charge-type electronic money can be used for fare payments and shopping by transportation, but the general feature is that the amount charged for charge-type electronic money cannot be cashed. Is. Therefore, it cannot be used for gambling and the like, and it is possible to prevent wasteful spending of money.

As a specific configuration, first, the charge-type electronic money type is associated with the charge-type electronic money type identification information that identifies the charge-type electronic money type (prepaid payment means is referred to in this way; the same shall apply hereinafter). Payment of charge-type electronic money identified by identification information Accumulates resources and holds the source account identification information that is information that identifies the source account, which is an account that is not controlled by the person, and the person who receives the consideration. The person identification information holding unit that holds the person identification information that identifies the person who is, and the receivable consideration information that holds the receivable consideration information that is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information. The holding unit, the charge-type electronic money type identification information that can be used by the person, the charge request amount of a predetermined amount to the charge-type electronic money usage frame identified by the charge-type electronic money type identification information, and the person identification information. , Is held in the person charge request receiving unit that accepts the person charge request and the receivable consideration information holding unit that the person identified by the person identification information included in the received person charge request has the right to receive. Judgment condition holding unit that holds the judgment condition that is the condition for judging whether the charge request of the predetermined amount can be met in comparison with the amount of consideration, and the received person charge request and the judgment that is held. When the judgment result of the person charge request suitability judgment unit for determining whether or not the charge request of the predetermined amount can be met based on the conditions and the judgment result of the person charge request suitability judgment unit are the judgment results of being able to respond. Is a remittance processing unit that performs processing for remittance of the predetermined amount associated with the person identification information for the source account of the charge-type electronic money associated with the charge-type electronic money type identification information included in the charge request, and remittance. From the person charge request response acquisition unit that acquires the person charge request response that is the response to the person charge request that includes the remittance processing information that is the processing information, and the person charge request response output unit that outputs the acquired person charge request response. It is a consideration payment system having a consideration payment server.

The second is based on the first consideration payment system, a user identification information holding unit that holds user identification information that is personal identification information and information that identifies itself, and one or more types of charge-type electronic money. One or more of the multiple charge type electronic money type identification information holding unit that holds the identification information selectably and the plurality of charge type electronic money type identification information held in the multiple charge type electronic money type identification information holding unit. Charge type electronic money type identification information selection unit that selects charge type electronic money type identification information and charge type electronic money type identification information that identifies the charge type electronic money usage frame that can be used on this mobile terminal Charge type that holds the electronic money usage frame identification information Input of the charge request amount, which is the amount to be charged to the charge type electronic money usage frame that is identified by the electronic money usage frame identification information holding unit and the selected charge type electronic money type identification information and can be used on this mobile terminal. The charge request amount receiving unit that accepts the charge request amount, the person charge request acquisition unit that acquires the person charge request that is the information associated with the person identification information that is the retained user identification information and the charge request amount that received the input, and the person charge request acquisition unit. The person charge request output unit that outputs the acquired person charge request, the person charge request response acquisition unit that acquires the person charge request response that is the response to the output person charge request, and the person charge that displays the acquired person charge request response. The request response display unit, the charge-type electronic money payment request acquisition unit, which is a payment request for charge-type electronic money from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information, and the acquired charge-type electronic money. It is a consideration payment system further including a mobile terminal having a charge-type electronic money usage frame identification information output unit that outputs charge-type electronic money usage frame identification information held in response to a payment request.

Third, based on the second consideration payment system, the consideration payment server is held with the amount of consideration held in the receivable consideration information holding unit that the person identified by the person identification information is entitled to receive. Person charge limit information acquisition unit that acquires person charge limit information, which is information indicating the person charge limit based on the judgment conditions, and person charge limit information output unit that outputs the acquired person charge limit information. The mobile terminal further includes a mobile-side person charge limit information acquisition unit that acquires person charge limit information and a person charge limit information display unit that displays the acquired person charge limit information. It is a consideration payment system that has.

Fourth, based on the consideration payment system of any one of the above 1 to 3, the consideration payment server has a person charge limit holding unit that holds person charge limit information in association with the person identification information.

The remittance source person identification information, which is the person identification information that identifies the remittance source person, the remittance destination person identification information, which is the person identification information that identifies the remittance destination person, and the remittance amount information, which is information indicating the remittance amount. The interpersonal remittance request acquisition unit that acquires the interpersonal remittance request that is the associated remittance request, and the person charge whose amount indicated by the acquired remittance amount information is associated with the sender person identification information included in the interpersonal remittance request. If the remittance enablement judgment unit that determines whether the person charge is within the range of the person charge limit indicated in the limit amount information and the remittance possibility judgment unit determines that remittance is possible, the remittance source person is identified. It is a remittance payment system further comprising a remittance unit that subtracts the person charge limit associated with the information and adds the person charge limit associated with the remittance destination person identification information.

Fifth, as a specific configuration, firstly, the charge is associated with the charge-type electronic money type identification information for identifying the charge-type electronic money type (prepaid payment means is referred to in this way; the same shall apply hereinafter). Type Electronic money The resource account identification information holding unit that stores the source of payment for charge-type electronic money identified by the type identification information and holds the source account identification information that is the information that identifies the source account, which is an account that is not controlled by the person. It holds a person identification information holding unit that holds person identification information that identifies the person who receives the consideration, and receivable consideration information that is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information. Receivable consideration information holding unit, charge-type electronic money type identification information that can be used by the person, charge request amount of a predetermined amount to the charge-type electronic money usage frame identified by the charge-type electronic money type identification information, and The person who accepts the person charge request, which is the information including the person identification information, and the person for the source account of the charge type electronic money associated with the charge type electronic money type identification information included in the charge request. A person charge request response that acquires a person charge request response that is a response to a person charge request that includes the remittance processing information that is information about the remittance processing and a remittance processing unit that processes the remittance of the predetermined amount associated with the identification information. It is a consideration payment system having a consideration payment server including an acquisition unit, a person charge request response output unit that outputs an acquired person charge request response, and a consideration payment server.

It should be noted that an operation method for operating the above system and an operation program for executing the operation method are also provided.

Sixth, the consideration payment server is the charge type electronic money usage frame associated with the person identification information of the charge type electronic money identified by the charge type electronic money type associated with the person identification information. Charge-type electronic money usage frame balance information acquisition unit that acquires charge-type electronic money usage frame balance information, which is information indicating the balance, and

The charge-type electronic money usage limit balance information holding unit that holds the acquired charge-type electronic money usage limit balance information in association with the associated person identification information,

The consideration payment system according to any one of the first to the fifth, which further has.

With the above-mentioned consideration payment system, it is possible to pay the consideration by charging the electronic money from the resource account that is not controlled by the person who receives the consideration. As a result, it is possible to add a judgment condition regarding whether or not payment is possible from the system side. In other words, since the person who receives the consideration cannot freely charge the electronic money from the resource account, it is possible to prevent waste such as using up the maximum amount of the consideration that can be paid each time the consideration is applied. It is possible. Further, if the non-cashable electronic money is adopted for the consideration payment, the use of the electronic money can be limited to some extent depending on the type of the electronic money by paying the consideration by charging. For example, it is effective in preventing waste such as converting electronic money into cash and using it for gambling.

Functional block diagram of the consideration payment server of the consideration payment system of the first embodiment The figure which shows the hardware of the consideration payment server of the consideration payment system of Embodiment 1. The figure for demonstrating the receivable consideration information of Embodiment 1. The figure for demonstrating the processing flow of the consideration payment server of the consideration payment system of Embodiment 1. Functional block diagram of the mobile terminal of the consideration payment system of the second embodiment The figure which shows the hardware of the mobile terminal of the consideration payment system of Embodiment 2. The figure for demonstrating the processing flow of the mobile terminal of the consideration payment system of Embodiment 2. Conceptual diagram of the electronic money selection screen of the mobile terminal of the consideration payment system of the second embodiment Conceptual diagram of the credit card selection screen of the mobile terminal of the consideration payment system of the second embodiment Conceptual diagram of the charge amount input screen of the mobile terminal of the consideration payment system of the second embodiment Conceptual diagram of the charge completion screen of the mobile terminal of the consideration payment system of the second embodiment Functional block diagram of the consideration payment server of the consideration payment system of the third embodiment The figure which shows the hardware of the consideration payment server of the consideration payment system of Embodiment 3. Functional block diagram of the mobile terminal of the consideration payment system of the third embodiment The figure which shows the hardware of the mobile terminal of the consideration payment system of Embodiment 3. The figure for demonstrating the processing flow of the consideration payment server and the mobile terminal of the consideration payment system of Embodiment 3. Functional block diagram of the consideration payment server of the consideration payment system of the fourth embodiment The figure which shows the hardware of the consideration payment server of the consideration payment system of Embodiment 4. The figure which shows the processing flow of the consideration payment server of the consideration payment system of Embodiment 4. The figure which shows the basic part of the processing flow of the mobile terminal of the consideration payment system of Embodiment 4. Functional block diagram of the consideration payment server of the consideration payment system of the fifth embodiment Hardware diagram of the consideration payment server of the consideration payment system of the fifth embodiment The figure which shows the processing flow of the consideration payment server of the consideration payment system of Embodiment 5.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. The mutual relationship between the embodiment and the claims is as follows. The first embodiment mainly relates to claims 1, 5, and 9, the second embodiment mainly relates to claims 2, 6, and 10, the third embodiment mainly relates to claims 3, 7, and 11, and the fourth embodiment mainly relates to claims 3, 7, and 11. With respect to claims 4, 8 and 12. The fifth embodiment mainly relates to claim 13. Other embodiments mainly relate to claims 14 and subsequent claims.

The present invention should not be limited to these embodiments, and may be implemented in various embodiments without departing from the gist thereof.
<Embodiment 1: Consideration payment system having a consideration payment server: Mainly related to claim 1>
<Outline of Embodiment 1>

In the conventional consideration payment system, the person who receives the consideration holds the charge-type electronic money. First Party makes an application for payment of consideration to Second Party, which is the consideration payer. The payer of the consideration B determines whether or not the application amount is within the payable limit at that time. As a result, if it is judged that it is within the frame, the consideration based on the application amount will be paid to the account controlled by A. Of course, it is also possible to perform a charge process to increase the balance of the fund account of the charge-type electronic money at the free will of A.

In the consideration payment system of this embodiment, since the source account is outside the control range of A, A cannot charge from the source account. We will apply for payment of consideration to the labor consideration payer (employer, employer) in advance. Upon receiving the application, B will judge whether the application amount is within the payable limit, and if the judgment result is that it is within the limit, B will request a charge based on the application amount. To a resource account that is not controlled by A. When the payment is confirmed in the resource account, the charge type electronic money of A is charged, and the available amount of electronic money of A increases. In this way, the advance payment is remitted to the resource account outside the control range of A, so A cannot withdraw from the resource account, and the advance payment is consumed only by using the charge-type electronic money. It will be possible. Therefore, waste can be reduced.

Below, the functions and processing flow of the consideration payment system of this embodiment, and the contents of the hardware will be described in detail. The consideration payment server is specifically a server device that is a computer, a cloud consisting of multiple server devices and a network, a personal computer, etc., and a mobile terminal is a portable computer such as a smartphone, a tablet terminal, a laptop computer, or a smart watch. It may be there. The functional blocks of this system described below can be realized as a combination of hardware and software. Specifically, if a computer is used, the CPU (central processing unit), main memory, bus, or secondary storage device (hard disk drive, non-volatile memory, storage media such as CD and DVD, and those media) (Reading drive, etc.), input devices such as scanners used for information input, hardware components such as printing devices and display devices, and other external peripheral devices, as well as interfaces for the external peripheral devices, communication interfaces, and their hardware. Examples include driver programs for controlling hardware, other application programs, and user interface applications. Then, by the arithmetic processing of the CPU according to the program expanded on the main memory, the data input from the input device or other interface and stored on the memory or hard disk is processed and accumulated, or the above hardware or the above-mentioned hardware or the like. Instructions to control the software are generated. Alternatively, the functional block of this system may be realized by dedicated hardware.

Further, the present invention can be realized not only as a system but also as a method. Further, a part of such an invention can be configured as software. Further, a program used to make a computer execute such software, and a recording medium on which the program is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification).
<Embodiment 1 Functional Configuration>

FIG. 1 is a diagram showing a functional configuration of a "compensation payment server" (0100) included in the consideration payment system according to the present embodiment. The "compensation payment server" (0100) according to the present embodiment includes a "resource account identification information holding unit" (0101), a "person identification information holding unit" (0102), and a "receivable consideration information holding unit" (0103). ), "Person charge request reception unit" (0104), "judgment condition holding unit" (0106), "person charge request suitability judgment unit" (0105), "remittance processing unit" (0107), and " It has a "person charge request response acquisition unit" (0108) and a "person charge request response output unit" (0109). In addition to this, it may be configured to have a balance information holding unit that holds the balance information of the usage limit of the charge-type electronic money used by the person identified by the person identification information.

<Embodiment 1 Consideration payment server: Resource account identification information holding unit>

The “source account identification information holding unit” (0202) associates the charge-type electronic money type identification information for identifying the charge-type electronic money type (prepaid payment means is referred to in this manner; the same shall apply hereinafter), and the charge-type electronic money It has a function of holding the resource account identification information, which is the information for identifying the resource account, which is an account not controlled by the person described below, which stores the payment resources of the charge-type electronic money identified by the money type identification information.

"Resource account" refers to an account that holds the money or electronic money required to charge electronic money. "Resource account identification information" refers to the account number specified in the JBA-established format that identifies the resource account. However, it may be unique identification information in the system that is one-to-one associated with this account number. In addition, the manager of the resource account is typically the operator of this system or the operator of the prepaid business model using the system. Further, the balance remaining in the resource account does not necessarily have to be specialized for charging one person's charge-type electronic money, and may be shared for charging of charge-type electronic money of a plurality of persons. .. In this case, the amount charged to one person's charge-type electronic money does not depend only on the balance of the source account, but the chargeable amount electronic ledger or virtual person's bank account prepared separately for each person ( It does not have to be a bank) and can be configured to be determined based on. It is also possible to configure the system to have a chargeable amount electronic ledger holding unit that holds such a chargeable amount electronic ledger. Further, after charging, the system may be configured to have a consumable amount ledger that holds the amount of money that can be consumed based on the charge for each person. For example, if there are 100 people who can use this system and each person has a balance that can be used for charge-type electronic money for 20,000 yen, the balance of this resource account will be 2 million yen, but each person will Based on the consumable amount ledger, it will not be possible to consume more than 20,000 yen. It is preferable that the resource account identification information and the person identification information are associated with each other.

"Charge-type electronic money" is a payment method consisting of electronic information that is charged in advance with money or the like and can be used for payment within the range of the charged amount (usage limit). In other words, there is no money lending relationship. In addition, for charge-type electronic money, the upper limit of the balance allowed within the usage limit is generally set. Furthermore, the amount of money allowed for one charge and the upper limit of points are generally set. The present invention also assumes such charge-type electronic money. In the present invention, the "usage limit" refers to the range of money and points that can be consumed in association with the identification information given to each unit of using the charge-type electronic money. For example, "If 10,000 yen is charged to charge-type electronic money whose usable amount is 0 yen, the" usage limit "of the charge-type electronic money becomes 10,000 yen. We shall use words such as ". The target to be charged to the charge-type electronic money is not limited to the unit of currency, and any so-called consumable one can be selected. Not necessarily limited to those that can be widely consumed worldwide and nationwide, those that can only be consumed in a specified area, those that can only be consumed by a specified product group or service group, and those that can only be consumed by a specified affiliated store. Is also included. Electronic securities may also be included. For example, gift certificates, airline tickets, tickets, etc. In this specification, the word "amount" is used for convenience, but the concept "amount" includes any one or more of the above points and the like. Electronic money is usually stored in a medium such as an IC chip in an IC card, and the balance information is stored in a server, which is inquired at the time of use (for example, the wallet is charged). Electronic money) exists, and in the present invention, all of them are referred to as charge-type electronic money. Charge-type electronic money is broadly classified into transportation, distribution, etc., depending on the issuer. Since the products and services that can be used differ depending on the classification and type of charge-type electronic money, it is possible to control the use of the paid consideration to some extent by changing the type. The "charge-type electronic money type identification information" is information for identifying a plurality of types of charge-type electronic money, and may be identification information stored in a data block of the charge-type electronic money. .. The functions of this part are realized by a non-volatile storage medium such as RAM and HDD.

Note that the charge-type electronic money of the present invention may be associated with two or more accounts of the resource account controlled by the person, in addition to the resource account not controlled by the person. It may be determined in advance from which account the usage amount will be deducted by using the charge-type electronic money, and the account may be switched when the remaining amount reaches the predetermined amount, or from multiple accounts. It may be configured to withdraw the usage amount in order, or it may be configured to be decided by the person when the charge type electronic money is used. In addition, charge-type electronic money is a concept that includes a credit card when the function of the credit card is added.

The feature of the consideration payment system of this embodiment is that at least one resource account is not controlled by a person (a person who receives labor consideration, etc.). In other words, the person cannot work directly on the resource account. For example, a person cannot charge electronic money with any amount within the range of the account balance at any time from a resource account that he / she does not control. The resource account identification information is not controlled by the person, but may be associated with the person identification information described later. On the other hand, if the resource account identification information and the person identification information are not associated, even if 10 million yen is accumulated in the resource account, the limit limit that can be used by the person who received the advance payment is set separately from the account balance. For example, it is possible to limit it to 20,000 yen, and it is typically operated in this way.

"Controlling a bank account" means that you are in a position to freely withdraw money that you have deposited or remitted to yourself from that bank account as cash. A typical example is the state of being the holder of the bank account, but it is not limited to this. Therefore, "does not control the bank account" means the opposite state to the above.

<Embodiment 1 Consideration payment server: Person identification information holding unit>

The "person identification information holding unit" (0203) has a function of holding person identification information that identifies the person who receives the consideration. Person identification information is information that identifies an individual that needs to be specified in order to pay labor compensation, etc., and is composed of character strings, numbers, symbols, and combinations thereof. For example, it may be configured by using a unique user ID determined by a person, my number, basic pension number, or the like. The person identification information is stored in a non-volatile storage medium such as RAM or HDD of the payment server.

Here, "person" broadly means a person who receives compensation. Not only workers who have an employment contract with an employer, but also contractors, independent managers, corporate officers, part-time workers, day laborers, etc. are included in the concept. Furthermore, a person who has no relationship to be used by others, such as a writer, an artist, a musician, or an agricultural worker, can be a person. Therefore, the consideration is not necessarily limited to the labor consideration, but may include various consideration such as outsourcing consideration, product sales consideration, and service provision consideration.

The consideration payment server may have a person resource account related information holding unit that holds the person identification information and the resource account identification information in association with each other.

Further, it is preferable to have a person attribute information holding unit in which the person identification information and the attribute information of the person are associated and held. This attribute information includes the telephone number, email address, and other information required for communication of the mobile terminal used by the person, information related to the person's work and labor, especially information necessary for calculating the receivable consideration, and the person. Age, gender, address, insurance certificate number, hospital consultation history (insurance claim history), commuting cost information, commuting route information, labor management server address of the person's work place, attendance management system of the work place It can be configured to hold the address, the address of the work system that stores this information, the past prepayment history, and so on.
<Embodiment 1 Consideration payment server: Receivable consideration information holding unit>

The "receivable consideration information holding unit" (0204) has a function of holding receivable consideration information which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information. "Information indicating the amount of consideration that the person is entitled to receive" includes the amount of labor consideration and the like. When paying the labor consideration in advance, one example is an amount based on the amount of the person's remuneration unit price specified by the person identification information multiplied by the working hours. In this case, it may have a receivable consideration information acquisition unit (not shown) and have a configuration capable of generating receivable consideration information by arithmetic processing. When the amount obtained by multiplying the hourly remuneration unit price and the working hours is used as the labor consideration, the receivable consideration information can be obtained from the labor management system at the person's workplace. This can be achieved by connecting the labor management computer in the person's workplace and this system via a network. If the labor management system reads the ID of the person's workplace and the attendance management computer manages the labor hours, the system may be designed to update the receivable consideration information on a daily or hourly basis. it can.

Figure 3-1 shows the change in the receivable consideration when a person who pays monthly salary and has a fixed amount of salary per day works without using prepaid. The total salary for the previous month is shown in the example of being paid on the 25th of the following month. Until the 25th of every month, the total salary of the previous month exists as a fixed receivable consideration, and the receivable consideration increases proportionally by multiplying the number of working days of the current month. Then, since the salary equivalent amount for the previous month is paid to the person on the 25th, the amount obtained by subtracting the salary equivalent amount for the previous month from the salary equivalent amount for the previous month is the receivable consideration. This is a contract between the worker person and the employer company, etc., and if the worker person agrees on the timing of receipt, even if the payment of labor consideration is delayed. It is a mechanism based on goodness.

Figure 3-2 shows the change in the receivable consideration when a person who pays monthly salary and has a fixed amount of salary per day works using prepaid. In this example, the person and the employer, etc. have a contract to allow advance payment, and the person shows that the amount was reduced from the receivable consideration by receiving the advance payment in December. In this example, assuming that prepaid amount is possible within the fixed salary equivalent amount for the previous month, the amount prepaid in December is deducted from the salary for November and the salary for November is paid. ..

The deduction method is not limited to this, and the deduction may be made from the receivable consideration for the current month, or the prepaid amount may be deducted from the receivable consideration for the previous month and the current month. In the latter case, the previous month deduction ratio of the amount equivalent to the advance payment and the current month deduction ratio may be configured to be predetermined, or the person may be configured to select the deduction ratio. When the person is configured to select the deduction ratio, the system is provided with a deduction ratio selection unit. The functions of this part are realized by a non-volatile storage medium such as RAM and HDD.
<Embodiment 1 Consideration payment server: Person charge request reception unit>

The "person charge request reception unit" includes the charge-type electronic money type identification information that can be used by the person and the charge request amount of a predetermined amount to the charge-type electronic money usage frame identified by the charge-type electronic money type identification information. It has a function of accepting a person charge request, which is information including the person identification information and the person identification information. It also includes a function to provide a UI (user interface) for accepting a person charge request from a person. The charge-type electronic money usage limit is determined by the charge-type electronic money type identification information as described above. The usage limit is the maximum amount that can be charged at one time or the charge per day for each type of electronic money. It may specify the maximum number of times that can be done, the unit that can be charged (every 1,000 yen, every 10,000 yen, etc.). The functions of this department are realized by the CPU, RAM, person charge request reception program, and the like.

Apart from the above, the "person charge request reception unit" may be configured so as to accept the charge request automatically made by the system itself instead of accepting the charge request by the person. This is for the system itself to periodically calculate the amount of money that can be charged for the person's rechargeable electronic money.

The charge request amount can be configured to be arbitrarily input by the person in the minimum unit of currency, or can be input in a unit predetermined by the system such as 100 yen unit, 1000 yen unit, 5000 yen unit. It may be configured. As will be described later, when remittance is performed between persons, it is preferable that the remittance amount is arbitrarily entered in the smallest unit of currency.

Further, it is also possible to calculate the prepaid amount for the person identified by the person identification information in advance so that the option can be selected within the amount range and the charge request amount is input.
<Implementation 1 Consideration payment server: Judgment condition holding unit>

The "judgment condition holding unit" is the above-mentioned predetermined amount in comparison with the amount of consideration held in the receivable consideration information holding unit that the person identified by the person identification information included in the received person charge request has the right to receive. It has a function of holding a judgment condition which is a condition for judging whether or not it is possible to respond to the charge request of. Since it is a condition to "determine" whether or not the charge request can be met, in addition to the condition of simply comparing the amount of the receivable consideration and the size of the predetermined amount related to the charge request, the consideration is paid at once. It may include the amount that can be made, the number of times that the prepayment can be made in a month, the total amount of money, and the like. The judgment condition may be associated with the person identification information. Further, it may be defined for each person by the attribute information (age, job title, place of residence, etc.) of the person held in association with the person identification information. Furthermore, if the person is employed by the employer, it may be associated with the employer identification information that identifies the employer. When associated with employee identification information, the creditworthiness of the person is calculated according to work status, prepaid usage record, job title, internal awards, etc., and the prepaid rate for the receivable consideration is dynamically calculated based on the calculation result. It can also be configured to calculate in. This is realized by providing the system with a credit rating calculation unit and a prepaid rate calculation unit that dynamically calculates the prepaid rate based on the calculated credit rating.

The functions of this unit are realized by a non-volatile storage medium such as RAM or HDD that stores judgment conditions.
<Implementation 1 Consideration payment server: Person charge request suitability judgment unit>

The "person charge request suitability judgment unit" has a function of judging whether or not the charge request of the predetermined amount can be met based on the received person charge request and the held judgment conditions. Specifically, the judgment condition held in the judgment condition holding unit is acquired, and the judgment as to whether or not the request content included in the charge request satisfies the judgment condition is executed by arithmetic processing. The most typical judgment condition is a judgment condition that defines the ratio of the prepaid amount to the receivable consideration. This system is intended to stabilize the life of the person and to improve convenience regardless of debt. Therefore, if advance payment is allowed at a large ratio to the receivable consideration, the salary to be paid next will be greatly reduced. As a result, the life of the person becomes unstable.

The functions of this department are realized by a CPU, RAM, a person charge request suitability judgment program executed by the CPU, and the like. If it is determined that the conditions are satisfied, a charge request is sent to the remittance processing unit (0208) described later.
<Embodiment 1 Consideration payment server: Remittance processing unit>

If the "remittance processing unit" determines that the person charge request suitability determination unit can respond, the charge associated with the charge-type electronic money type identification information included in the charge request is charged. It has a function to perform processing for remittance of the predetermined amount of money associated with the person identification information to the source account of the type electronic money.

This is a process for remittance, and if the operator of this system is a financial institution and has the right to transfer money legally, the remittance process may be included, but typically remittance to a financial institution, etc. The processing up to the processing request is applicable.

For example, it is assumed that Person A makes a charge request to charge 1000 yen to the electronic money A of Company J. If this is accepted and the judgment result of the Person Charge Request Appropriateness Judgment Department is obtained, the judgment result of A of Company J associated with the charge type electronic money type identification information of A is obtained. For the resource account, the process for the employer of A or the operator of this system to request a remittance (account transfer) of 1000 yen from his / her own bank account to the resource account of the corresponding charge-type electronic money. Execute.

When the operator of this system performs transfer processing from his / her own bank account, he / she should use his / her own silver account of the same financial institution as the financial institution such as the bank that manages the source account of charge-type electronic money. Is preferable. This is because the remittance fee may be low. Furthermore, it is conceivable that the source account of the charge-type electronic money is configured to charge the person by remittance of the charge-type electronic money itself. This is because the remittance fee may be kept low or free by using the remittance of the rechargeable electronic money itself. Therefore, the operator of this system may adopt a method of holding electronic money for each type of charge-type electronic money in advance and transferring the electronic money to the electronic money account as the source account.

The functions of this department are realized by a CPU, RAM, a remittance processing program executed by the CPU, and the like.
<Implementation 1 Consideration payment server: Person charge request response acquisition unit>

The "person charge request response acquisition unit" has a function of acquiring a person charge request response which is a response to a person charge request including remittance processing information which is information related to remittance processing. Specifically, when it is determined that the person charge request can be met and the remittance processing unit performs remittance processing, for example, remittance request processing, a response indicating that the person charge request has been accepted is obtained. To do. It is also conceivable to obtain information to that effect when the remittance process is completed and the charge is executed in cooperation with a financial institution. This information can be obtained from the operation management server of charge-type electronic money. The "person charge request response" includes remittance processing information. "Remittance processing information" includes remittance processing reception, positive reception of charge increase request, negative reception of charge increase request, remittance processing result (success or failure), remittance destination and remittance source identification information, and related information. This information includes any one or more of the ID, the remittance amount, the charge balance, the charge amount, the scheduled charge date and time, the time when the remittance was executed, and the like. The functions of this department are realized by a CPU, RAM, and a person charge request / response program executed by the CPU.
<Implementation 1 Consideration payment server: Person charge request response output unit>

The "person charge request response output unit" has a function of outputting the acquired person charge request response. Specifically, the remittance processing information and the like acquired by the person charge request response acquisition unit (0209) are output. The output may be performed to the terminal, and the department provides an output screen such as a web page for that purpose together with the person charge request response. The functions of this part are realized by the CPU, RAM, and the person charge request response output program executed by the CPU.
<Embodiment 1 Other Useful Configurations Consideration Payment Server: Other Configurations: Charge-type Electronic Money Usage Limit Balance Information Holding Unit>

The consideration payment server of the first embodiment has other configurations such as a charge-type electronic money usage limit balance information holding unit and a charge-type electronic money that can hold or obtain the balance information of the charge-type electronic money usage limit. It is preferable to have a usage limit balance information acquisition unit.

These are preferably configured to be acquired and retained in association with the person identification information. Further, depending on the case, it is preferable to have a charge-type electronic money usage limit balance increase / decrease command output unit for increasing / decreasing the charge-type electronic money usage limit balance information of each person by using these information. This is because these functions can be used for the remittance processing described in the fourth embodiment. That is, the control command from the remittance unit of the fourth embodiment is configured to output the charge-type electronic money usage frame balance increase / decrease command from the charge-type electronic money usage frame balance increase / decrease command output unit. This output destination is for a configuration having a function of increasing or decreasing the usage limit balance of the charge-type electronic money in the charge-type electronic money management system. It is output via a network or the like.
<Example 1 Flow of consideration payment server processing>

FIG. 4 is a flowchart for showing an example of the processing flow when the consideration payment system according to the present embodiment is used. First, it is an account that is not controlled by the person described below by accumulating the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information in association with the charge-type electronic money type identification information that identifies the charge-type electronic money type. The resource account identification information acquisition step (0401) for acquiring the resource account identification information which is the information for identifying the resource account, and the person identification information acquisition step (0402) for acquiring the person identification information for identifying the person who receives the consideration. The receivable consideration information acquisition step (0403) for acquiring the receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information, and the charge-type electronic money type that can be used by the person. A person who accepts a person charge request, which is information including the identification information, the charge request amount of a predetermined amount for the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information. Compared with the amount of consideration acquired in the charge request acceptance step (0404) and the receivable consideration information acquisition step that the person identified by the person identification information included in the received person charge request has the right to receive. The predetermined determination based on the determination condition acquisition step (0405) for acquiring the determination condition which is a condition for determining whether or not the charge request of the predetermined amount can be met, the received person charge request, and the retained determination condition. If the judgment result in the person charge request suitability judgment step (0406) for determining whether or not the charge request of the amount of money can be met and the judgment result in the person charge request suitability judgment step are the judgment results, the charge request is made. The remittance processing step (0407) for processing the transfer of the predetermined amount associated with the person identification information for the source account of the charge-type electronic money identified by the charge-type electronic money type identification information included in the above, and the remittance processing. A person charge request response acquisition step (0408) for acquiring a person charge request response which is a response to a person charge request including information such as remittance processing information, and a person charge request response output step (0409) for outputting the acquired person charge request response. ) And, is the operation method of the consideration payment system that causes the consideration payment server, which is a computer, to execute.

Moreover, this may be used as a program.
<Embodiment 1 Compensation payment server: Hardware configuration>

FIG. 2 is a diagram showing an example of a hardware configuration (indicating the programmatic use of hardware resources) of the consideration payment server of the consideration payment system according to the present embodiment. Hereinafter, it will be described with reference to this figure.
<Embodiment 1 Compensation payment server: Hardware configuration: Overall picture>

As shown in this figure, the computer is configured on the motherboard, such as a chipset (0210), a CPU (0201), a non-volatile memory (0203), a main memory (0204), various buses (0202a to 0202e), and a BIOS. (0207) It is composed of various interfaces (0205, 0206, 0208), a real-time clock (0209), and the like. They work in tandem with operating systems, device drivers, and various programs. The various programs and various data constituting the present invention are configured to efficiently utilize these hardware resources to execute various processes.
<Chipset>

A "chipset" is a set of large-scale integrated circuits (LSIs) that are mounted on the motherboard of a computer and integrate a communication function between an external bus of the CPU and a standard bus that connects memory and peripheral devices, that is, a bridge function. .. There are cases where a two-chipset configuration is adopted and cases where a one-chipset configuration is adopted. A north bridge is provided on the side close to the CPU and main memory, and a south bridge is provided on the side far from the interface with a relatively low-speed external I / O.
(Northbridge)

The north bridge includes a CPU interface, a memory controller, and a graphic interface. The CPU may be responsible for most of the functions of the conventional north bridge. The north bridge is connected to the memory slot of the main memory via a memory bus, and is connected to the graphic card slot of the graphic card by a high-speed graphic bus (AGP, PCI Express).
(Southbridge)

The south bridge is connected to a PCI interface (PCI slot) via a PCI bus, and is responsible for I / O functions and sound functions with an ATA (SATA) interface, a USB interface, an Ethernet interface, and the like. Incorporating circuits that support PS / 2 ports, floppy disk drives, serial ports, parallel ports, and ISA buses that do not require or do not require high-speed operation will hinder the speeding up of the chipset itself. Therefore, it may be separated from the chip of the south bridge and assigned to another LSI called a super I / O chip. Buses are used to connect the CPU (MPU) with peripheral devices and various control units. The buses are connected by a chipset. The memory bus used for connection with the main memory may adopt a channel structure instead of this in order to increase the speed. A serial bus or a parallel bus can be used as the bus. In the parallel bus, while the serial bus transfers data bit by bit, the original data itself or a plurality of bits cut out from the original data are grouped together and transmitted at the same time through a plurality of communication paths. A dedicated clock signal line is provided parallel to the data line to synchronize data demodulation on the receiving side. It is also used as a bus that connects a CPU (chipset) and an external device, and includes GPIB, IDE / (parallel) ATA, SCSI, and PCI. Since there is a limit to the speedup, the data line may be a serial bus in the improved version of PCI Express or the improved version of serial ATA of parallel ATA.
<CPU>

The CPU sequentially reads, interprets, and executes an instruction sequence called a program in the main memory, and outputs information consisting of signals to the main memory as well. The CPU functions as a center for performing calculations in the computer. The CPU is composed of a CPU core part that is the center of calculation and a peripheral part thereof, and a register and a cache memory inside the CPU, an internal bus that connects the cache memory and the CPU core, a DMA controller, a timer, and a north bridge. Includes an interface with the connection bus with. A plurality of CPU cores may be provided in one CPU (chip).
<Non-volatile memory>
(HDD)

The basic structure of a hard disk drive consists of a magnetic disk, a magnetic head, and an arm on which the magnetic head is mounted. The external interface can adopt SATA (ATA in the past). A sophisticated controller, such as SCSI, is used to support communication between hard disk drives. For example, when copying a file to another hard disk drive, the controller can read the sector and transfer it to another hard disk drive for writing. At this time, the memory of the host CPU is not accessed. Therefore, it is not necessary to increase the load on the CPU.
<Main memory>

The CPU directly accesses and executes various programs on the main memory. The main memory is a volatile memory and DRAM is used. The program on the main memory is expanded from the non-volatile memory onto the main memory in response to the program start command. After that, the CPU executes the program according to various execution instructions and execution procedures in the program.
<Operating system (OS)>

The operating system is used to manage the resources on the computer for the application to use, to manage various device drivers, and to manage the computer itself, which is the hardware. Small computers may use firmware as the operating system.
<BIOS>

The BIOS is the one that causes the CPU to execute the procedure for starting up the computer hardware and running the operating system, and most typically, the hardware that the CPU first reads when receiving the computer startup instruction. .. The address of the operating system stored in the disk (nonvolatile memory) is described here, and the operating system is sequentially expanded to the main memory by the BIOS expanded in the CPU and put into an operating state. The BIOS also has a check function for checking the presence or absence of various devices connected to the bus. The result of the check is saved in the main memory and made available by the operating system as appropriate. The BIOS may be configured to check external devices and the like.
<Embodiment 1 Compensation payment server: Program used on hardware>

The programs used by the consideration payment server are as follows.
(1) Charge type that identifies the charge type electronic money type (prepaid payment means is referred to in this way; the same shall apply hereinafter) Charge type that is identified by the charge type electronic money type identification information in association with the charge type electronic money type identification information A program for holding resource account identification information that stores the resources for payment of electronic money and retains the resource account identification information, which is the information for identifying the resource account, which is an account not controlled by the person.
(2) A person identification information holding program that holds person identification information that identifies the person who receives the consideration.
(3) A receivable consideration information holding program that holds receivable consideration information that is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information.
(4) Charge-type electronic money type identification information that can be used by a person, a charge request amount of a predetermined amount for the charge-type electronic money usage frame identified by the charge-type electronic money type identification information, and person identification information. A person charge request reception program that accepts person charge requests, which is information that is associated with.
(5) Respond to the charge request of the predetermined amount in comparison with the amount of consideration held by the receivable consideration information holding program that the person identified by the person identification information included in the received person charge request has the right to receive. A judgment condition holding program that holds judgment conditions that are conditions for judging whether or not it can be done.
(6) A person charge request suitability judgment program that determines whether or not the predetermined amount of charge request can be met based on the received person charge request and the held judgment conditions.
(7) If the judgment result of the person charge request suitability judgment program is that the judgment result can be met, the charge type electronic money associated with the charge type electronic money type identification information included in the charge request A remittance processing program that processes the remittance of the predetermined amount associated with the person identification information for the resource account.
(8) A person charge request response acquisition program that acquires a person charge request response that is a response to a person charge request that includes remittance processing information that is information related to remittance processing.
(9) A person charge request response output program that outputs the acquired person charge request response.

The above programs are called from the non-volatile memory onto the main memory, expanded, and sequentially executed by the CPU while using the data area of the main memory.

It should be noted that the other functions described in the description of the functions of the consideration payment server can also be configured to execute the functions by using the hardware resources in the same manner.
<Embodiment 1 Compensation payment server: Hardware configuration: Data used>

In the consideration payment server of the first embodiment, as shown in FIG. 2, the data includes charge-type electronic money type identification information, resource account identification information, person identification information, receivable consideration information, charge request amount, and determination. Conditions, person charge request response, etc. are acquired, stored in the memory, and used by the program.

Furthermore, the consideration payment server is the charge type electronic money usage frame associated with the person identification information of the charge type electronic money identified by the charge type electronic money type associated with the person identification information. Charge-type electronic money usage limit balance information acquisition program that acquires charge-type electronic money usage limit balance information, which is information indicating the balance, and

It can be configured to further have a charge-type electronic money usage limit balance information holding program that holds the acquired charge-type electronic money usage limit balance information in association with the associated person identification information.
<Implementation 1 Consideration payment server: Processing flow>

As shown in FIG. 4, the processing of the consideration payment server of the first embodiment includes a resource account identification information acquisition step (0401), a person identification information acquisition step (0402), a receivable consideration information acquisition step (0403), and a person. Charge request acceptance step (0404), determination condition acquisition step (0405), person charge request suitability determination step (0406), remittance processing step (0407), person charge request response acquisition step (0408), person charge This is an operation method of the consideration payment system for causing the consideration payment server, which is a computer, to execute the request response output step (0409).
<Implementation 1 Consideration payment server: Specific processing flow>

The resource account identification information acquisition step (0401) associates the charge-type electronic money type identification information for identifying the charge-type electronic money type with the charge-type electronic money payment resource identified by the charge-type electronic money type identification information. Postscript processing to acquire the resource account identification information, which is the information for identifying the resource account, which is an account not controlled by the person. The person identification information acquisition step (0402) processes to acquire the person identification information that identifies the person who receives the consideration. The receivable consideration information acquisition step (0403) processes to acquire the receivable consideration information which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information. The person charge request acceptance step (0404) is a charge request amount of a predetermined amount to the charge type electronic money type identification information that can be used by the person and the charge type electronic money usage frame identified by the charge type electronic money type identification information. And the person identification information, and the person charge request, which is the information including the person identification information, is processed so as to be accepted. The judgment condition acquisition step (0405) is compared with the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information included in the received person charge request has the right to receive. Process so as to acquire the judgment condition which is the condition for judging whether or not the charge request of the predetermined amount can be met. The person charge request suitability determination step (0406) processes so as to determine whether or not the predetermined amount of charge request can be met based on the received person charge request and the held determination condition. If the remittance processing step (0407) is a determination result that the determination result in the person charge request suitability determination step can be met, the charge identified by the charge type electronic money type identification information included in the charge request. The process for remittance of the predetermined amount associated with the person identification information to the source account of the type electronic money is performed. The person charge request response acquisition step (0408) processes to acquire a person charge request response which is a response to the person charge request including the remittance processing information which is information about the remittance processing. The person charge request response output step (0409) outputs the acquired person charge request response. These are processed so as to realize the functions described in the description of the functions on the consideration payment server. It should be noted that other functions described in the description of the function of the consideration payment server can be configured to be processed in the same manner.
<Embodiment 2 Consideration payment system further including a mobile terminal: Mainly related to claim 2>
<Outline of Embodiment 2>

The present embodiment is based on the first embodiment and is provided with a mobile terminal for receiving further advance payment.
<Configuration 2 Mobile Terminal Configuration>

The mobile terminal further added to the first embodiment in the present embodiment has the following configuration.
As shown in FIG. 5, the mobile terminal (0500) of the present embodiment includes a user identification information holding unit (0501), a plurality of charge type electronic money type identification information holding unit (0502), and charge type electronic money type identification information. Selection unit (0504), charge-type electronic money usage frame identification information holding unit (0503), charge request amount receiving unit (0505), person charge request acquisition unit (0506), person charge request output unit (0508). , Person charge request response acquisition unit (0507), person charge request response display unit (0509), charge type electronic money payment request acquisition unit (0510), charge type electronic money usage frame identification information output unit (0511). It is a mobile terminal having.
Each configuration will be described in sequence below.
<Embodiment 2 Mobile Terminal: User Identification Information Holding Unit>

The "user identification information holding unit" has a function of holding user identification information which is person identification information and is information for identifying itself. The user identification information and the person identification information are the same or have a one-to-one correspondence. The user identification information is used as person identification information on the consideration payment server, and identifies the person who requested the person charge from the person. If it is determined that the person can respond to the charge request, the information processing corresponding to the charge request, for example, the fund account of the type of charge-type electronic money for which the person is requesting the charge. The account transfer processing is requested to the user, and the charge-type electronic money management server charges the charge-type electronic money usage frame of the user identified by the user identification information corresponding to the person identification information. It is said. As a result, the person can use the newly charged electronic money. Therefore, the charge-type electronic money management server detects the user identification information of the charge-type electronic money based on the user identification information, that is, the person identification information, and uses the charge-type electronic money by the process for remittance or a process succeeding to the remittance. The process of incrementing the new charge to the user's electronic money usage limit associated with the person identification information is performed.
<Embodiment 2 Multiple Charge Type Electronic Money Type Identification Information Holding Unit>

The "multiple charge type electronic money type identification information holding unit" has a function of selectively holding one or more types of charge type electronic money type identification information. The present invention is to increment the new charge to the usage limit of charge-type electronic money by using a resource account that is not controlled by the person for prepaid payment. Therefore, it is necessary to specify charge-type electronic money. If there is only one charge-type electronic money that can be used by the user identified by the user identification information, it is conceivable that the charge-type electronic money type identification information is not retained, but this system is typical. As the structure of, the type of charge-type electronic money that can be used at the time of initial registration can be selected according to the user's wishes, or the charge-type electronic money that can be used even after the initial registration. It is preferable to configure it so that types can be added. In that sense as well, it is preferable that there are a wide variety of types of charge-type electronic money that can be used for person charge requests, which are prepaid requests, and typical charge-type electronic money can be selected according to the wishes of the user. It is preferable to configure it as follows. This selection can be used both at the time of registration and when selecting the charge-type electronic money to be used in this person charge request after registration.

<Embodiment 2 Mobile terminal: Charge type electronic money type identification information selection unit>

The "charge-type electronic money type identification information selection unit" is one or more charge-type electronic money types from one or more charge-type electronic money type identification information held in the multiple charge-type electronic money type identification information holding units. It has a function of selecting or selecting identification information.

FIG. 8 is an example of a mobile terminal screen configured by the charge-type electronic money type identification information selection unit. The screen is composed of a touch panel, and selection is accepted by selecting various displayed charge-type electronic money icons. When it is selected, it is preferable to display it so as to emphasize the icon because it becomes clear what was selected. In addition, the icon of the chargeable electronic money that cannot be selected may be displayed by dimming the color so that it can be used by registration. When new charge-type electronic money becomes available on the mobile terminal, this registration can be automatically detected and selected by the new charge-type electronic money activating means of the charge-type electronic money type identification information selection unit. That is, it can be configured to change from a light color to a dark color icon.

Furthermore, when the use of charge-type electronic money becomes impossible, it can be configured to return to the unselectable state. This applies when the user cancels the membership registration of the charge-type electronic money. The charge-type electronic money type identification information selection unit may have a charge-type electronic money non-active means that detects a change that occurs in the charge-type electronic money application due to erasure.

FIG. 9 is an example of a mobile terminal screen configured by the charge-type electronic money type identification information selection unit when the charge-type electronic money can be used even with a credit card.
<Embodiment 2 Mobile terminal: Charge type electronic money usage frame identification information holding unit>

The "charge-type electronic money usage frame identification information holding unit" has a function of holding charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame that can be used in the mobile terminal. The "charge-type electronic money usage frame" is for managing the amount (amount, etc.) of electronic money that can be used by each charge-type electronic money user on the charge-type electronic money management server, etc., processing related to charging, and processing related to consumption. It is a frame. The current available balance, that is, the available charge amount, is associated with the charge-type electronic money, and when shopping is performed using the charge-type electronic money, this charge-type electronic money is sent to the reader of the charge-type electronic money. The money usage frame identification information is output from the mobile terminal, and as a result, the charge amount of the usage frame identified by the charge type electronic money usage frame identification information is subtracted in the charge type electronic money management server or the like. On the contrary, if there is a deposit, etc. associated with the user identification information of the charge-type electronic money identified by the person identification information for the fund account of the charge-type electronic money, the charge-type electronic money usage limit is obtained as a result. The charge amount of the usage frame identified by the identification information is increased.
<Embodiment 2 Mobile terminal: Charge request amount reception unit>

The "charge request amount reception unit" requests a charge to the charge-type electronic money usage frame that can be used on the user's mobile terminal, which is identified by the selected charge-type electronic money type identification information and is identified by the person identification information. It has a function to accept the input of the charge request amount which is the amount.

FIG. 10 is an example of a screen configured by the charge request amount receiving unit of the mobile terminal. Enter the amount in the blank using the numeric keypad and press the charge icon to accept the charge request amount.

FIG. 11 is an example of a screen configured after the charge request amount receiving unit of the mobile terminal receives the input. The amount entered using the numeric keypad is displayed in the blank, and the charge request amount is accepted by pressing the charge icon. Along with the charge request amount, the available amount of charge-type electronic money before charging may be displayed.

Since the charge-type electronic money type identification information already selected and the user identification information which is the person identification information are held inside the mobile terminal, the person charge request is generated by the person charge request acquisition unit described later. ..
<Embodiment 2 Mobile terminal: Person charge request acquisition unit>

The "person charge request acquisition unit" has a function of acquiring a person charge request, which is information in which the person identification information, which is the retained user identification information, and the charge request amount for which the input is received are associated with each other. If a plurality of charge-type electronic money type identification information is selected, the charge request amount input and received is distributed to the plurality of charge-type electronic money and the person charge request is acquired. Good. Further, the person charge request acquisition unit of the mobile terminal may be provided with the person charge request acquisition means for each of the plurality of charge type electronic money types, which is a means for acquiring how to distribute the distribution.
<Embodiment 2 Mobile Terminal: Person Charge Request Output Unit>

The "person charge request output unit" has a function of outputting the acquired person charge request. In principle, the person charge request is output directly or indirectly to the consideration payment server. The consideration payment server does not have to be one device, and may be a cloud.
<Embodiment 2 Mobile Terminal: Person Charge Request Response Acquisition Unit>

The "person charge request response acquisition unit" has a function of acquiring a person charge request response which is a response to the output person charge request. The types of this response can be a response in case of success such as "charge processing was executed" or "charge processing could not be executed", and a response in case of failure. It should be noted that the person charge request response may include poor communication conditions, the processing could not be executed because the consideration payment server is congested due to a large amount of access, and the like.
<Embodiment 2 Mobile Terminal: Person Charge Request Response Display>

The "person charge request / response display unit" has a function of displaying the acquired person charge request / response.
<Embodiment 2 Mobile terminal: Charge type electronic money payment request acquisition unit>

The "charge-type electronic money payment request acquisition unit" has a function of acquiring a charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information. This functions when shopping or the like using the charge-type electronic money function of the mobile terminal. For example, when shopping for 1000 yen, the charge-type electronic money payment request acquisition unit receives and acquires the information "1000 yen" from the charge-type electronic money reader.
<Embodiment 2 Mobile terminal: Charge type electronic money usage frame identification information output unit>

The "charge-type electronic money usage frame identification information output unit" has a function of outputting the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request. This usage frame identification information is always associated with one charge-type electronic money user identification information, which is always one-to-one with the user identification information held in one mobile terminal. It is associated with the person identification information corresponding to. The purpose is to specify the usage limit of the charge-type electronic money of the user to the charge-type electronic money operation side, and to reduce the charge amount according to the amount of shopping or the like.

Generally, the other party is a charge-type electronic money reader that performs communication processing with the charge-type electronic money function. Then, the reader is provided with the purchase amount information and the user identification information for the charge-type electronic money management server determined according to the charge-type electronic money identified by the charge-type electronic money type identification information. Information that has a one-to-one correspondence with the person identification information is configured to be transmitted. Generally, one charge-type electronic money reader supports a plurality of charge-type electronic money. The acquisition of the charge-type electronic money type may be performed not by the charge-type electronic money usage frame identification information output unit but by a manual operation of the charge-type electronic money reader by the user.
<Embodiment 2 Mobile Terminal Hardware Configuration>
<Embodiment 2 Mobile Terminal Hardware Configuration Overview>

As shown in FIG. 6, the mobile terminal basically has the same configuration as the server computer. On the (mother) board, it consists of a chipset, CPU, non-volatile memory, main memory, and various interfaces. Although not shown as other configurations peculiar to mobile terminals, a D / A conversion device, an A / D conversion device, a communication packet encoding device, a communication packet decoding device, a video encoding device, a video decoding device, and GPS reception A device, a Wifi interface, a packet generation device for a mobile base station, a management information exchange device with a mobile base, and the like are added.
<Embodiment 2 Mobile Terminal Hardware Configuration>

FIG. 6 shows the hardware configuration of the mobile terminal of the present embodiment.
The programs that are held in the non-volatile memory, expanded to the main memory by startup, and executed by using the hardware resources of the mobile terminal such as the CPU are as follows.
(1) A user identification information holding program that holds user identification information that is personal identification information and is information that identifies itself.
(2) A multi-charge electronic money type identification information holding program that selectively holds one or more types of charge-type electronic money type identification information.
(3) Charge-type electronic money type identification information that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information held by the multiple charge-type electronic money type identification information holding program. Selection program.
(4) A charge-type electronic money usage frame identification information holding program that holds charge-type electronic money usage frame identification information that identifies the charge-type electronic money usage frame that can be used with this mobile terminal.
(5) Charge request amount reception program that accepts the input of the charge request amount, which is the amount to be charged to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on this mobile terminal. ..
(6) A person charge request acquisition program that acquires a person charge request, which is information in which the held user identification information, which is the person identification information, and the charge request amount, which is the input, are associated with each other.
(7) A person charge request output program that outputs the acquired person charge request.
(8) A person charge request response acquisition program that acquires a person charge request response that is a response to the output person charge request.
(9) A person charge request response display program that displays the acquired person charge request response.
(10) A charge-type electronic money payment request acquisition program that acquires a charge-type electronic money payment request from a charge-type electronic money usage frame in association with the charge-type electronic money type identification information.
(11) A charge-type electronic money usage frame identification information output program that outputs charge-type electronic money usage frame identification information held in response to an acquired charge-type electronic money payment request.
<Example 2 Mobile terminal processing flow>

As shown in FIG. 7, the processing on the mobile terminal follows the following steps. User identification information acquisition step (0701) for acquiring user identification information which is person identification information and is information for identifying oneself, multiple types of charge-type electronic money types Multiple types of charge-type electronic money types for selectively acquiring identification information Identification information acquisition step (0702), multiple charge type electronic money type Charge type that selects one or more charge type electronic money type identification information from a plurality of charge type electronic money type identification information acquired in the identification information step. Electronic money type identification information selection step (0703), charge-type electronic money usage frame identification information acquisition step (this) for acquiring charge-type electronic money usage frame identification information that identifies the charge-type electronic money usage frame that can be used in the mobile terminal. The step does not necessarily have to be inserted at this position, for example, it may be inserted after the charge-type electronic money payment request acquisition step) (0704), identified by the selected charge-type electronic money type identification information, and the book. The charge request amount acceptance step (0705) that accepts the input of the charge request amount, which is the amount of the charge request to the charge-type electronic money usage frame that can be used on the mobile terminal, the person identification information that is the retained user identification information, and the person identification information. The person charge request acquisition step (0706) for acquiring the person charge request, which is the information associated with the charge request amount for which the input is received, the person charge request output step (0707) for outputting the acquired person charge request, and the output person charge. Person charge request response acquisition step (0708) for acquiring the person charge request response which is the response to the request, person charge request response display step (0709) for displaying the acquired person charge request response, and association with the charge type electronic money type identification information. Charge-type electronic money payment request acquisition step (0710), which is a payment request for charge-type electronic money from the usage limit of charge-type electronic money, and charge-type electronic money held in response to the acquired charge-type electronic money payment request. This is a charge-type electronic money usage frame identification information output step (0711) for outputting usage frame identification information. The consideration payment system is operated by causing a mobile terminal, which is a computer, to execute these processes.

Of the above, the charge-type electronic money payment request acquisition step (0710), which is a payment request for charge-type electronic money from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information, and the acquired charge. The charge-type electronic money usage frame identification information output step (0711), which outputs the charge-type electronic money usage frame identification information held in response to the payment request, is processed as a series of steps with other steps. It is not necessary to be performed, and the process up to the payment of the consideration may be up to the person charge request response display step (0709) for displaying the acquired person charge request response.
<Example 2 Application server for configuring a mobile terminal>

The above-mentioned mobile terminal is configured by downloading an application from a server and deploying it in the terminal. That is, a user identification information holding unit that holds user identification information that is personal identification information and is information that identifies itself, and a plurality of charge-type electronic money that selectively holds one or more types of charge-type electronic money type identification information. Charge type that selects one or more charge type electronic money type identification information from a plurality of charge type electronic money type identification information held in the money type identification information holding unit and the multiple charge type electronic money type identification information holding unit. The electronic money type identification information selection unit and the charge type electronic money usage frame identification information holding unit that holds the charge type electronic money usage frame identification information that identifies the charge type electronic money usage frame that can be used in this mobile terminal are selected. It is held by the charge request amount receiving unit that accepts the input of the charge request amount, which is the amount of the charge request to the charge type electronic money usage frame that is identified by the charge type electronic money type identification information and can be used on this mobile terminal. The person charge request acquisition unit that acquires the person charge request, which is the information that associates the person identification information that is the user identification information that is present with the charge request amount that received the input, and the person charge request output that outputs the acquired person charge request. The unit, the person charge request response acquisition unit that acquires the person charge request response that is the response to the output person charge request, the person charge request response display unit that displays the acquired person charge request response, and the charge type electronic money type identification. The charge-type electronic money payment request acquisition unit that acquires the charge-type electronic money payment request from the charge-type electronic money usage frame in association with the information, and the charge-type that is held in response to the acquired charge-type electronic money payment request. An application server configured by downloading an application to a mobile terminal having a charge-type electronic money usage frame identification information output unit that outputs electronic money usage frame identification information is further described in the consideration payment system of the first embodiment or the consideration payment system of the first embodiment. The consideration payment system may be provided in the system including the mobile terminal of the second embodiment.
<Embodiment 2 Charge-type electronic money management server>

This system is premised on the existence of a management server that manages charge-type electronic money. For example, "a balance information holding unit that stores charge balance information in association with user identification information (person identification information), a deposit information acquisition unit that acquires deposit information for charging, and the deposit information acquisition unit acquire it. The balance information update unit that updates the charge balance information based on the deposit information, the money consumption instruction acquisition unit that acquires the consumption instruction of money etc. from the mobile terminal of the second embodiment, and the acquisition of the consumption instruction A charge-type electronic money management server having a subtraction processing unit for subtracting the balance from the charge balance information for holding the balance information. " Alternatively, "a remittance information storage unit that stores one or more remittance information related to remittance, remittance source user identification information (remittance source person identification information), remittance destination user identification information (remittance destination person identification information), Remittance request information acquisition department that acquires remittance request information associated with the remittance amount, and remittance source user identification information (remittance source person identification information) associated with the remittance source user identification information (remittance source person identification information) based on the remittance request A remittance unit that subtracts the balance and adds the deducted amount to the balance of the remittance type electronic money usage frame associated with the remittance destination user identification information (remittance destination person identification information). It is a money management server. Here, the remittance unit does not add the deducted amount as described above, but excludes a part of the deducted amount and adds it, and executes the excluded charge-type electronic money amount. It may be used to add the balance of the usage limit under the control of the operator of the consideration payment server of Form 1.

One of these charge-type electronic money management servers may be added to the consideration payment system of the first embodiment.
<Embodiment 3: Mainly related to claim 3>
<Embodiment 3: Overview>

In this embodiment, based on the second embodiment, the person who is the user displays the person charge limit on the mobile terminal used by himself / herself, and charges the mobile terminal used by himself / herself with charge-type electronic money. You can know if you can do it.
<Embodiment 3: Compensation payment server: Functional configuration>

The consideration payment system of the third embodiment has additional functions added to the mobile terminal of the second embodiment, and for that purpose, a service function is also added to the consideration payment server. As shown in FIG. 12, the basic configuration of the consideration payment server is the "resource account identification information holding unit" (1201), the "person identification information holding unit" (1202), and the "receivable consideration information holding unit". (1203), "Person Charge Request Reception Unit" (1204), "Judgment Condition Holding Unit" (1206), "Person Charge Request Appropriateness Judgment Unit" (1205), "Remittance Processing Department" (1207) , "Person charge request response acquisition unit" (1208) and "person charge request response output unit" (1211).

As additional functional elements, a person charge limit information acquisition unit (1209) and a person charge limit information output unit (1210) are added to the consideration payment server.
<Embodiment 3: Mobile terminal: Functional configuration>

Regarding the mobile terminal, as shown in FIG. 14, a user identification information holding unit (1401) and a plurality of charge type electronic money type identification information holding unit (1402), which are basic functional elements of the mobile terminal described in the second embodiment. The charge type electronic money type identification information selection unit (1404), the charge type electronic money usage frame identification information holding unit (1403), the charge request amount reception unit (1405), and the person charge request acquisition unit (1406). , Person charge request output unit (1408), person charge request response acquisition unit (1407), person charge request response display unit (1409), charge type electronic money payment request acquisition unit (1410), charge type electronic money. It has a usage frame identification information output unit (1413). Then, in the third embodiment, a mobile phone side person charge limit information acquisition unit (1411) and a person charge limit information display unit (1412) are added as additional components to the mobile terminal.
<Embodiment 3: Explanation of characteristic functions>

Hereinafter, the configurations characteristic of the third embodiment will be described by omitting those described in the second embodiment.
<Embodiment 3 Consideration payment server: Person charge limit information acquisition unit ">

The "person charge limit information acquisition unit" is a configuration added to the consideration payment server, and is the receivable consideration information held in the receivable consideration information holding unit that the person identified by the person identification information has the right to receive. Acquires the person charge limit information, which is the information indicating the person charge limit, based on the amount of consideration shown and the judgment conditions held. This is the most typical configuration to be acquired based on a request from the mobile terminal side. However, regardless of the intention of the user who is the person, the mobile terminal can be configured to periodically request the latest person charge limit information. Alternatively, it is also possible to configure the consideration payment server side to periodically send the person charge limit information by push notification. However, if the push is made from the server, the communication load of the consideration payment server may become excessive when the number of users reaches a large number, so scheduling is required. When returning, typically, the consideration payment server receives the person charge limit information request requesting the acquisition of the person charge limit information in association with the person identification information and the charge type electronic money type identification information from the mobile terminal side. After a certain authentication process, the person charge limit is calculated based on the receivable consideration information associated with the person identification information and the judgment condition held in the judgment condition holding unit. That is, the judgment condition referred to here simply calculates the person charge limit amount by using the judgment condition as to whether or not the person charge request can be met. Then, the person charge limit information is acquired. The calculation may be performed outside the consideration payment server.
<Embodiment 3 Consideration payment server: Person charge limit information output unit>

The "person charge limit information output unit" outputs the acquired person charge limit information. The purpose of the output is to send the acquired person charge limit information to the mobile terminal that made the request, so that the user of the mobile terminal who is the person is informed of the charge request amount that the person can request the person charge. With this information, the user who is the person can know the appropriate amount of charge request amount, and can execute the processing of the appropriate person charge request. Also, by knowing the amount, it may be decided not to request a person charge. It is preferable that the output history of the person charge limit information is associated with the person identification information and stored in the consideration payment server or the like. It is possible to delete personal information from this person identification information and perform statistical processing of big data for a large number of users to obtain information such as individual behavior attributes. For example, the relationship between the financial margin and the charge request amount is clarified. In addition to the person charge limit information, the receivable consideration information may also be output. In other words, it is the receivable consideration information that is the basis of the person charge limit information.
<Embodiment 3 Mobile terminal: Mobile-side person charge limit information acquisition unit>

The "mobile-side person charge limit information acquisition unit" acquires the person charge limit information. The most typical example is to acquire the person charge limit information returned from the consideration payment server in response to a request from the mobile terminal. Therefore, it is preferable that the request from the mobile terminal and the reception, which is the acquisition of the person charge limit information as a reply, are performed in the same communication session. This is because it is safe from the aspect of security. The acquired person charge limit information is preferably stored in the mobile terminal as history information. This historical information, for example, if the person is a worker, can track how his or her work is reflected in the person charge limit, so more specifically how the employer tells himself or herself. It has the merit of being able to draw an image of whether or not they are giving salaries at a reasonable rate. This is even more realistic if the working hours and the person charge limit are synchronized on the time axis and displayed in a graph. The mobile terminal may have a person charge limit information synchronization graph creating unit having such a function.
<Embodiment 3 Mobile terminal: Person charge limit information display unit>

The "person charge limit information display unit" displays the acquired person charge limit information. This allows the person to make an appropriate person charge request. By acquiring not only the person charge limit information but also the receivable consideration information output from the consideration payment server and displaying it together with the person charge limit information, which person is the user? It can be used as reference information on how much the charge request amount should be. In addition to numbers, it is also possible to use a pie chart or a bar graph so that the ratio between the receivable consideration and the person charge limit can be intuitively grasped. It is conceivable to provide such a person charge limit ratio graph creation unit on the mobile terminal.
<Embodiment 3 Compensation payment server: Hardware configuration>
<Overview>

The hardware configuration of the consideration payment server of the present embodiment is basically the same as the hardware configuration of the consideration payment server of the first and second embodiments. The feature points have additional features in programs that utilize hardware resources.
<Embodiment 3 Compensation payment server: Hardware configuration: Additional program>
<Embodiment 3 Program used on hardware>
<Embodiment 3 Consideration payment server: Program>

In the consideration payment server, the following programs are additionally used as shown in FIG.
(1) Person charge limit information acquisition program. This program is information that indicates the person charge limit based on the amount of consideration held in the Receivable Consideration Information Retention Program that the person identified by the person identification information is entitled to receive and the judgment conditions held. Obtain certain person charge limit information.
(2) Person charge limit information output program. This program outputs the acquired person charge limit information. The output destination is a mobile terminal.

Further, as the data to be additionally used, there is person charge limit information.
<Embodiment 3 Mobile Terminal: Program>

In the mobile terminal, as shown in FIG. 15, the following programs are additionally used.
(3) Mobile-side person charge limit information acquisition program. This program acquires person charge limit information from the consideration payment server (4) Person charge limit information display program. This program displays the acquired person charge limit information

As the data additionally used in the mobile terminal of the present embodiment, the person charge limit amount information can be mentioned.
<Example 3 Processing flow>
<Embodiment 3 Consideration payment server: Processing flow>

As shown in FIG. 16, the consideration payment server of the third embodiment operates according to the processing procedure described in the first embodiment, and operates at any stage of these processing steps in the specific processing step added in the present embodiment. Be forced to. This specific step is a person charge limit information acquisition step (1612) and a person charge limit information output step (1613).

In the third embodiment, the consideration payment server is based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the determination condition acquired. The person charge limit information acquisition step for acquiring the person charge limit information, which is information indicating the person charge limit, and the person charge limit information acquisition step.

The consideration payment server is made to execute the person charge limit information output step for outputting the acquired person charge limit information.
<Embodiment 3 Mobile Terminal: Process Flow>

As shown in FIG. 16, the mobile terminal of the third embodiment follows the following steps described in the second embodiment. That is, the user identification information acquisition step (1601) for acquiring the user identification information which is the person identification information and is the information for identifying itself, and the plurality of charge-type electronic money for selectively acquiring a plurality of types of charge-type electronic money type identification information. Select one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information acquired in the money type identification information acquisition step (1602) and the multiple charge-type electronic money type identification information step. Charge-type electronic money type identification information selection step (1603), charge-type electronic money usage frame identification information acquisition step for acquiring charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame available on the mobile terminal. (This step does not necessarily have to be inserted at this position, and may be inserted, for example, after the charge-type electronic money payment request acquisition step.) (1604), identified by the selected charge-type electronic money type identification information, In addition, the charge request amount acceptance step (1605), which accepts the input of the charge request amount, which is the amount of the charge request to the charge-type electronic money usage frame that can be used on this mobile terminal, and the person identification information that is the retained user identification information. And the person charge request acquisition step (1606) for acquiring the person charge request, which is the information associated with the charge request amount for which the input was received, and the person charge request output step (1607) for outputting the acquired person charge request. Person charge request response acquisition step (1608) for acquiring a person charge request response, which is a response to a person charge request, person charge request response display step (1609) for displaying the acquired person charge request response, charge-type electronic money type identification information. Charge-type electronic money payment request acquisition step (1610), which is a charge-type electronic money payment request from the charge-type electronic money usage frame in association with, and the charge-type held in response to the acquired charge-type electronic money payment request. This is a charge-type electronic money usage frame identification information output step (1611), which outputs electronic money usage frame identification information.

The consideration payment system is operated by causing the mobile terminal, which is a computer, to execute these processes. Of the above, the charge-type electronic money payment request acquisition step (1610), which is a payment request for the charge-type electronic money from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information, and the acquired charge. The charge-type electronic money usage frame identification information output step (1611), which outputs the charge-type electronic money usage frame identification information held in response to the payment request, is processed as a series of steps with other steps. It is not necessary to be performed, and the process up to the payment of the consideration may be up to the person charge request response display step (1609) for displaying the acquired person charge request response.

Further, the additional processing step is performed at any stage of the processing steps from the charge-type electronic money type identification information selection step (1607) to the charge-type electronic money usage frame identification information output step (1611). It is operated by the unique processing step added in. This specific step is a mobile-side person charge limit information acquisition step (1614) and a mobile-side person charge limit information output step (1615). The description of the steps already described in the second embodiment will be omitted.

The mobile terminal additionally has a mobile-side person charge limit information acquisition step for acquiring person charge limit information and a person charge limit information for displaying the acquired person charge limit information at any of the above-mentioned processing positions. Display steps and execute.
<Embodiment 4: Mainly related to claim 4>
<Outline of Embodiment 4>

The fourth embodiment is a consideration payment system capable of remittance between persons within the person charge limit amount using the person charge limit amount information based on the first to third embodiments.
<Embodiment 4 Consideration payment server>
<Embodiment 4 Functional Configuration of Compensation Payment Server>

The consideration payment server of the fourth embodiment is based on the configuration of the consideration payment server according to any one of the first to third embodiments.

FIG. 17 is a functional block diagram based on the consideration payment server of the first embodiment. As shown in this figure, as functional blocks common to the first embodiment, the "resource account identification information holding unit" (1701), the "person identification information holding unit" (1702), and the "receivable consideration information holding unit" ( 1703), "person charge request reception unit" (1704), "judgment condition holding unit" (1706), "person charge request suitability judgment unit" (1705), "money transfer processing unit" (1712), It has a "person charge request response acquisition unit" (1707) and a "person charge request response output unit" (1713).

Further, as a functional block having a characteristic configuration of the present embodiment, a person charge limit holding unit (1708), an interpersonal remittance request acquisition unit (1709), a remittance possibility determination unit (1710), and a remittance unit ( 1711) and further.
<Embodiment 4 Compensation payment server: Description of each function>
<Embodiment 4 Compensation payment server: Description of each function: Person charge limit holding unit>

The "person charge limit holding unit" holds the person charge limit information in association with the person identification information. The origin of this person charge limit information may vary. It is acquired by being calculated based on the amount of the received consideration held in the received consideration information holding unit and the holding judgment condition as in the person charge limit information acquisition unit described in the third embodiment. The person charge limit information may be retained, or the amount may be determined by another rule. For example, it may be person charge limit information in which the remittance limit is set as a fixed amount. That is, the amount indicated by the person charge limit information in this embodiment indicates the remittance limit, and may be referred to as the remittance limit.
<Embodiment 4 Compensation payment server: Description of each function: Interpersonal remittance request acquisition unit>

The "Remittance Request Acquisition Department" selects the remittance source person identification information, which is the person identification information that identifies the remittance source person, the remittance destination person identification information, which is the person identification information that identifies the remittance destination person, and the remittance amount. It is configured to acquire the remittance amount information which is the information to be shown and the remittance request between persons which is the remittance request associated with the remittance amount information. This remittance request between persons is information requesting remittance of charge-type electronic money between persons, and is information from a mobile terminal used by a user who is a person. Although it is a remittance between persons, the person to whom the remittance is sent does not necessarily have to be a person who uses this consideration payment system. Therefore, the remittance destination person may be a person identified by the person identification information of this system, but may not be able to use the prepaid charge type electronic money by the consideration payment system. That is, the person identification information held in the person identification information holding unit does not prevent the existence of two types of persons, a person who can use the prepaid payment by the charge type electronic money and a person who cannot use the person identification information. .. However, the person to whom the remittance is sent must be a person who has the authority to use the charge-type electronic money identified by the charge-type electronic money type identification information associated with the person identification information.
<Embodiment 4 Consideration payment server: Explanation of each function: Remittance possibility determination unit>

The "Remittance Possible Judgment Department" is based on the person charge limit amount indicated by the person charge limit information in which the amount indicated in the acquired remittance amount information is associated with the remittance source person identification information included in the interpersonal remittance request. It is configured to have a function to judge whether it is within the remittance range. This is done by adding all or part of the remaining amount of charge-type electronic money that can be used on the mobile terminal of the remittance source to the amount (amount) of charge-type electronic money newly provided by the consideration payment server. It may also be configured to determine that remittance is possible if satisfied. For example, if the currently available amount of charge-type electronic money is 10,000 yen, the amount to be newly paid from the consideration payment server is 5,000 yen, and the remittance amount is 13,000 yen, the remittance possibility judgment department can remit. It also includes configuring a remittance enablement judgment unit to make a judgment. Therefore, the remittance availability judgment department determines how much available balance remains in addition to the newly provided electronic money based on the information on the usage limit of the charge-type electronic money used by the person who is the source of the remittance. It can be configured to acquire and judge the information of.
<Embodiment 4 Consideration payment server: Description of each function: Remittance department>

If the remittance possible judgment result is the remittance possible judgment result, the "remittance department" will indicate the person charge limit and / and the remittance source person associated with the remittance source person identification information. The balance of the charge-type electronic money usage limit associated with the person identification information of the remittance destination is subtracted, and the person charge limit amount indicated by the person charge limit information associated with the remittance destination person identification information and / and the remittance destination It is configured to perform a process for adding the balance available in the charge-type electronic money usage limit associated with the person identification information. As a result, the remittance department subtracts the usage limit of the person identified by the charge type electronic money usage frame identification information associated with the remittance source person identification information, and the remittance type electronic money associated with the remittance destination person identification information. It may be configured to execute the process itself of adding the usage quota, or it may be configured to execute the process itself although the process itself is not executed.

In addition, this remittance increases the balance of the available limit of the charge type electronic money of the remittance destination without increasing the balance of the available limit of the charge type electronic money of the remittance source, or / and the remittance destination. It can be configured to increase the personcher limit.

The process of subtracting and adding the person charge limit of charge-type electronic money is under the control of the charge-type electronic money operation manager whose remittance destination of charge-type electronic money is linked to the source account of charge-type electronic money. It is possible to configure the process to subtract the person charge limit of the sending person and add the person charge limit of the sending destination person by sending money to the charge type electronic money usage frame in. .. As a result, the remittance unit is configured to perform the process itself of subtracting the person charge limit associated with the sender identification information and adding the person charge limit associated with the recipient person identification information. Alternatively, the process itself may not be executed, but may be configured to perform a process for the execution. Specifically, the "process for execution" is a case where the charge-type electronic money system and the consideration payment system are operated by different operators. In other words, the remittance process of charge-type electronic money is not configured to be executed inside the consideration payment system, but the entire process is configured to deliver the process for remittance process to the charge-type electronic money system. This is the case. In this case, the charge-type electronic money user identification information (which may be the same as the person identification information), which is the identification information of the person who is the source of the remittance to the charge-type electronic money system in the charge-type electronic money system. ) And the charge-type electronic money user identification information (which may be the same as the person identification information), which is the identification information of the person to whom the money is sent to the charge-type electronic money system in the charge-type electronic money system. And the request for remittance processing including the remittance amount will be output. The process for remittance in the present embodiment may include this. If the person identification information and the user identification information of the charge-type electronic money are different from each other, the consideration payment server has a database in which the two are associated one-to-one with the charge-type electronic money system. After translating, the user identification information of the above-mentioned charge-type electronic money user is handed over.
<Embodiment 4 Mobile Terminal>
<Embodiment 4 Functional Configuration of Mobile Terminal>

Although not shown, the functional configuration of the mobile terminal includes a remittance amount acquisition unit, a remittance destination person identification information acquisition unit, a person remittance charge request reception unit, a remittance order acquisition unit, and a remittance command output unit.
<Embodiment 4 Mobile terminal: Description of each function: Remittance amount acquisition unit>

The "remittance amount acquisition unit" receives and acquires the input of the amount to be remitted (the amount of charge-type electronic money) to the remittance destination person from the remittance source person who is the user of the mobile terminal. If the remittance amount is determined by a predetermined value, the remittance amount may be acquired based on the remittance schedule held in the remittance schedule holding unit that holds the remittance schedule. In this case, the mobile terminal can be configured to have a schedule recording unit for recording the schedule with respect to the schedule holding unit. Further, if the person who is the user of the charge-type electronic money agrees in advance, the remittance amount may be automatically acquired based on the remittance request acquired by external communication. For example, there is a case where the utility billing party and the person have agreed in advance regarding the payment of the utility bill.
<Embodiment 4 Mobile terminal: Description of each function: Remittance destination person identification information acquisition unit>

The "remittance destination person identification information acquisition unit" is configured to acquire the remittance destination person identification information which is the identification information of the remittance destination person. The remittance destination person may or may not be the right holder of the consideration payment system as described above. However, it is necessary to be the right holder of the charge-type electronic money and the person who actually uses it.
If the charge-type electronic money system is configured to enable remittance between different types (transmission of the amount of charge-type electronic money), the type of charge-type electronic money used by the person to whom the remittance is made. It is desirable to configure it so that it is also acquired.
<Embodiment 4 Mobile terminal: Description of each function: Charge request reception unit for person remittance>

The "person remittance charge request receiving unit" is configured to make a charge request for electronic money for remittance to a consideration payment server. In this case, the charge request is the person identification information of the remittance source and the amount requested to be charged (the amount related to the "amount" charge does not necessarily have to be in monetary units, but is in a unit different from monetary such as points and bits. This may be included throughout the specification.). The amount for which the charge is requested here does not necessarily have to be the same as the remittance amount. As described above, when the charge balance is 10,000 yen and the remittance amount is 13,000 yen, the requested amount of the charge request for person remittance is 3,000 yen. In this case, the remittance source person may directly enter the remittance source person's charge request reception section for the person, or the value entered as the remittance amount and the balance of the charge-type electronic money. Based on the above, the charge request receiving unit for person remittance of the mobile terminal can be configured to automatically calculate and calculate the shortfall as the requested amount. Of course, if the balance of the charge-type electronic money usage limit identified by the person identification information of the remittance source person is larger than the remittance amount, no new charge is required and the remittance source person charge limit. There is no need to subtract the amount. However, even in such a case, it is possible to save the balance and make a new charge request.
<Embodiment 4 Mobile terminal: Description of each function: Remittance order acquisition unit>

The "remittance order acquisition unit" acquires a remittance order from the person who sent the money. However, in the case of a schedule-type remittance, it can be configured to be acquired as an instruction from the schedule holding unit. This remittance instruction can also be configured such that the output of the remittance instruction is controlled by a timer. If the remittance timing is set by the timer in advance, the balance of the remittance type electronic money must not be less than the amount to be remitted by the remittance order obtained, so the consumption of the remittance type electronic money should be less than the planned remittance balance. It is controlled so that it does not become. Therefore, the charge-type electronic money usage frame identification information output unit of the mobile terminal is controlled by the remittance schedule balance limit unit, and the charge-type electronic money is less than the remittance amount before the scheduled timing of consumption of the remittance-type electronic money. When there is information from a money reader, the request from this reader is rejected and the charge-type electronic money usage limit identification information is not output.
<Embodiment 4 Mobile terminal: Description of each function: Remittance command output unit>

The "remittance command output unit" outputs the acquired remittance command. This remittance instruction may be output in response to the charge-type electronic money reader if it is configured to accept and process the instruction, and if it is not configured so, the Internet, etc. It is transmitted using the public line. The output destination of the remittance command from the remittance command output unit is the consideration payment server, but it is output to the charge type electronic money system first, and the charge type electronic money system is for remittance processing to the consideration payment system. It may be configured to send a payment request for the consideration of.
<Embodiment 4 Compensation payment server: Hardware configuration>
<Overview>

As shown in FIG. 18, the consideration payment server of the fourth embodiment has a common physical configuration based on any one of the consideration payment servers described in the first to third embodiments in principle, and is added. It is configured to function by arranging a program that functions by utilizing hardware resources in the non-volatile memory and the main memory after startup.
<Embodiment 4 Compensation payment server: Hardware configuration: Additional part>

In addition to the program described in any one of the first to third embodiments, the consideration payment server includes a person charge limit holding program, an interpersonal remittance request acquisition program, a remittance possibility determination program, a remittance program, and the like. Is provided in a non-volatile memory, and is made resident in the main memory after the compensation payment system is started. These programs are made to function by effectively utilizing the hardware resources, which are the physical configurations of the hardware already described in the payment system, with the support of other programs and operating systems. In addition, as data, remittance amount information and remittance request between persons are retained.
<Embodiment 4 Compensation payment server: Hardware configuration: Person charge limit holding program>

The "person charge limit retention program" functions to retain the person charge limit information in association with the person identification information. The functions of this program have already been explained in the function description.
<Embodiment 4 Compensation payment server: Hardware configuration: Interpersonal remittance request acquisition program>

The "remittance request acquisition program" shows the remittance source person identification information, which is the person identification information that identifies the remittance source person, the remittance destination person identification information, which is the person identification information that identifies the remittance destination person, and the amount of the remittance. It functions to acquire remittance amount information, which is information, and a remittance request between persons, which is a remittance request associated with the information. The functions of this program have already been explained in the function description.
<Embodiment 4 Compensation payment server: Hardware configuration: Remittance possibility determination program>

The "Remittance Judgment Program" transfers money based on the person charge limit information indicated by the person charge limit information associated with the sender person identification information included in the interpersonal remittance request for the amount indicated in the acquired remittance amount information. It works to determine if it is within the possible range. The functions of this program have already been explained in the function description.
<Embodiment 4 Compensation payment server: Hardware configuration: Remittance program>

In the "remittance program", if the judgment result of the remittance possibility judgment program is the judgment result that remittance is possible, the person charge limit associated with the remittance source person identification information is subtracted, and the remittance destination It functions to perform processing for adding the person charge limit associated with the person identification information. The functions of this program have already been explained in the function description.
<Embodiment 4 Mobile terminal: Hardware configuration: Not shown>

Although not shown, the mobile terminal of the fourth embodiment has a common physical configuration based on any one of the mobile terminals described in the second and third embodiments in principle, and additionally has hardware resources. It is configured to function by arranging a program that functions using the above in the non-volatile memory and the main memory after startup.
<Embodiment 4 Mobile terminal: Hardware configuration: Additional part>

The consideration payment server is added to the program described in any one of the first to third embodiments, and includes a remittance amount acquisition program, a remittance destination person identification information acquisition program, a person remittance charge request reception program, and a remittance order acquisition program. , Has a remittance instruction output program. The functions of these programs have already been explained in the explanation of the functions, so they will be omitted.

<Embodiment 4 Consideration payment server: Processing flow>

As shown in FIG. 19, the processing of the consideration payment server in the fourth embodiment is further performed by the following processing steps based on the processing flow of the consideration payment server described in any one of the first to third embodiments. Have. That is, the person charge limit acquisition step (1901) for acquiring the person charge limit information in association with the person identification information, the remittance source person identification information which is the person identification information for identifying the remittance source person, and the remittance destination person are identified. The remittance request acquisition step (1902) for acquiring the remittance request, which is a remittance request in which the remittance destination person identification information, which is the remittance identification information, and the remittance amount information, which is the information indicating the remittance amount, are associated with each other. , Remittance enablement judgment step to determine whether the amount indicated in the acquired remittance amount information is within the range of the person charge limit indicated in the person charge limit information associated with the remittance source person identification information included in the interpersonal remittance request. (1903) and, if the judgment result in the remittance possibility judgment step is the judgment result that remittance is possible, the person charge limit associated with the remittance source person identification information is subtracted, and the remittance destination person This is done by a remittance step (1904), which adds the person charge limit associated with the identification information. The details are as explained in the explanation of the corresponding functions.
<Embodiment 4 Mobile Terminal: Process Flow>

The processing flow of the mobile terminal in the fourth embodiment is based on the processing flow of the mobile terminals of the second and third embodiments shown in FIG. 20, and further, the remittance amount acquisition step and the remittance destination person identification information acquisition. It has a step, a charge request reception step for person remittance, a remittance command acquisition step, and a remittance command output step. The function of each processing step is as described in the corresponding configuration in the explanation of the function.
<Embodiment 5: Mainly related to claim 13>
<Outline of Embodiment 5>

The consideration payment system of the present embodiment has the same basic functions as the consideration payment server described in the first embodiment, but is different in that it does not have a judgment condition holding unit and a person charge request suitability judgment unit. This is not a charge request that includes a charge request amount of an arbitrary amount from a mobile terminal used by a person who is a user of charge-type electronic money, but a charge request that can be responded to in advance on the consideration payment server side. It is configured so that only the amount of money can be input from the mobile terminal.
<Embodiment 5 Functional Configuration>

As shown in FIG. 21, in the consideration payment system of the fifth embodiment, the consideration payment server includes a resource account identification information holding unit (2101), a person identification information holding unit (2102), and a receivable consideration information holding unit (2103). , A person charge request reception unit (2104), a remittance processing unit (2105), a person charge request response acquisition unit (2106), and a person charge request response output unit (2107).
<Explanation of Embodiment 5>
<Embodiment 5 Description of each function: Consideration payment server: Resource account identification information holding unit>

The "source account identification information holding unit" identifies the charge-type electronic money type by associating it with the charge-type electronic money type identification information that identifies the charge-type electronic money type (the prepaid payment method is referred to in this way; the same shall apply hereinafter). It functions to store the payment resources of the charge-type electronic money identified by the information and to hold the resource account identification information which is the information for identifying the resource account which is the account not controlled by the person described later. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Description of each function: Compensation payment server: Person identification information holding unit>

The "person identification information holding unit" functions to hold the person identification information that identifies the person who receives the consideration. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Description of each function: Consideration payment server: Receivable consideration information holding unit>

The "receivable consideration information holding unit" functions to hold the receivable consideration information which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Description of each function: Consideration payment server: Person charge request reception unit>

The "person charge request reception unit" includes the charge-type electronic money type identification information that can be used by the person and the charge request amount of a predetermined amount to the charge-type electronic money usage frame identified by the charge-type electronic money type identification information. , Person identification information, and functions to accept a person charge request, which is information containing the person identification information in association with the person identification information. The basic function is the same as that of the consideration payment server described in the first embodiment. However, the person charge request receiving unit of the consideration payment server in the fourth embodiment does not accept and acquire the charge request amount of an arbitrary amount of the person, but the receivable consideration held in advance in association with the person identification information. The person charge limit information is acquired based on the information (the person charge limit information acquisition unit of the third embodiment may be provided), and the person's charge-type electronic money is obtained based on the person charge limit information. The amount that can be additionally charged is calculated in the usage frame, and the charge request amount can be input only within the range that can be additionally charged. This amount may be any charge amount within the range today, or the charge amount may be selected by displaying it with an icon or a button on the display of the mobile terminal within the permissible range. For example, it may be displayed in units of 1000 yen or 500 yen. Then, the charge amount can be configured to be acquired by the consideration payment server by selecting an icon or pressing a button.
<Embodiment 5 Description of each function: Consideration payment server: Remittance processing unit>

The "remittance processing unit" shall perform processing for remittance of the predetermined amount associated with the person identification information for the source account of the charge type electronic money associated with the charge type electronic money type identification information included in the charge request. It is composed of. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Description of each function: Consideration payment server: Person charge request response acquisition unit>

The “person charge request response acquisition unit” is configured to acquire a person charge request response that is a response to a person charge request that includes remittance processing information that is information related to remittance processing. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Description of each function: Consideration payment server: Person charge request response output unit>

The "person charge request response output unit" is configured to output the acquired person charge request response. The basic function is the same as that of the consideration payment server described in the first embodiment.
<Embodiment 5 Other Useful Configurations Consideration Payment Server: Other Configurations: Charge-type Electronic Money Usage Limit Balance Information Holding Unit>

The consideration payment server of the fifth embodiment has other configurations such as a charge-type electronic money usage limit balance information holding unit and a charge-type electronic money that can hold or obtain the balance information of the charge-type electronic money usage limit. It is preferable to have a usage limit balance information acquisition unit.

These are preferably configured to be acquired and retained in association with the person identification information. Further, depending on the case, it is preferable to configure so that the charge-type electronic money usage limit balance information of each person can be increased or decreased by using this information. This is because these functions can be used for the remittance processing described in the other three embodiments.
<Embodiment 5 Consideration payment server: Hardware configuration>

As shown in FIG. 22, the hardware configuration of the consideration payment server of the fifth embodiment requires a judgment condition holding program and a person charge request suitability program among the hardware configurations of the consideration payment server shown in the first embodiment. It is common except that it is not. The common part will be omitted because it has already been described in the first embodiment.
<Embodiment 5 Consideration payment server: Processing flow>

As shown in FIG. 23, the processing flow of the consideration payment server of the fifth embodiment excludes the judgment condition acquisition step and the person charge request suitability judgment step from the processing flow of the consideration payment server of the first embodiment. .. However, as described above, the charge request amount acceptance step does not accept and acquire the charge request amount of any amount of the person as in the case of total demand, but instead of receiving the receivable consideration information that is held in association with the person identification information in advance. Based on this, the person charge limit information is acquired (the person charge limit information acquisition unit of the third embodiment may be provided), and the person's charge-type electronic money usage frame is based on the person charge limit information. The processing is configured so that the amount that can be additionally charged is calculated and the charge request amount can be input only within the range that can be additionally charged.

In other words, it is an account that is not controlled by the person described below by accumulating the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information in association with the charge-type electronic money type identification information that identifies the charge-type electronic money type. The resource account identification information acquisition step (2301) for acquiring the resource account identification information which is the information for identifying the resource account, and the person identification information acquisition step (2302) for acquiring the person identification information for identifying the person who receives the consideration. The receivable consideration information acquisition step (2303) for acquiring the receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information, and the charge-type electronic money type that can be used by the person. A person who accepts a person charge request, which is information including the identification information, the charge request amount of a predetermined amount for the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information. If the judgment result in the charge request acceptance step (2304) and the person charge request suitability judgment step is the judgment result that the judgment result can be met, it is identified by the charge type electronic money type identification information included in the charge request. In the remittance processing step (2305) for processing the predetermined amount of money associated with the person identification information for the source account of the rechargeable electronic money, and in response to the person charge request including the remittance processing information which is the information related to the remittance processing. A person charge request response acquisition step (2306) for acquiring a certain person charge request response and a person charge request response output step (2307) for outputting the acquired person charge request response are executed by the consideration payment server which is a computer. It is composed of.
<Embodiment 5 Mobile Terminal: Functional Configuration>

The mobile terminal of the fifth embodiment basically has the same functions as the mobile terminal described in the second embodiment. However, the charge request amount receiving unit does not accept the charge request amount of an arbitrary amount of the person corresponding to the function on the server side, but is based on the receivable consideration information held in advance in association with the person identification information. The person charge limit information is acquired (the person charge limit information acquisition unit of the third embodiment may be provided), and the person charge type electronic money usage frame is set based on the person charge limit information. It is configured so that the amount that can be additionally charged is calculated and the charge request amount can be input only within the range that can be additionally charged. This is information that indicates the predetermined range from the consideration payment server as a reply to the inquiry made from the mobile terminal to the consideration payment server in the range permitted as the person charge request at the initial stage of requesting the person charge. Alternatively, an amount that can be selected as the charge request amount is acquired and displayed on the display of the mobile terminal to accept the charge request amount. This amount may be an arbitrary charge amount within the permissible range, or the charge amount may be selected by displaying it with an icon or a button on the display of the mobile terminal within the permissible range. For example, it may be displayed in units of 1000 yen or 500 yen. Then, the charge amount can be configured to be acquired by the consideration payment server by selecting an icon or pressing a button.
<Embodiment 5 Mobile Terminal: Hardware Configuration>

The hardware configuration of the mobile terminal of the fifth embodiment is basically the same as the hardware configuration of the mobile terminal described in the second embodiment. However, the charge request acceptance program is described in the functional configuration of the mobile terminal of the fifth embodiment, and is configured so that the charge request amount acceptance program can perform different functions.
<Embodiment 5 Mobile Terminal: Process Flow>

The processing flow of the mobile terminal of the fifth embodiment is basically the same as the hardware configuration of the mobile terminal described in the second embodiment. However, as for the charge request receiving step, as described in the functional configuration of the mobile terminal of the fifth embodiment, the charge request amount receiving step is configured to perform different functions.
<Other embodiments: mainly related to claims 14 and later>
<Embodiment of Other 1 An embodiment in which the fifth embodiment corresponds to the second embodiment>
<Overview>

The consideration payment system according to the fifth embodiment is the consideration payment system having the mobile terminal described in the fifth embodiment. The configuration is as follows.
<Embodiment in which the fifth embodiment is extended corresponding to the second embodiment>

The consideration payment server of the fifth embodiment is further provided with the following configuration as the mobile terminal described in the fifth embodiment.

A user identification information holding unit that holds user identification information that is personal identification information and is information that identifies itself, and a plurality of charge-type electronic money types that selectively hold one or more types of charge-type electronic money type identification information. Identification information holding unit and multiple charge-type electronic money types Charge-type electronic money that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information held in the identification information holder. The type identification information selection unit, the charge-type electronic money usage frame identification information holding unit that identifies the charge-type electronic money usage frame that can be used on this mobile terminal, and the selected charge-type electronic money usage frame identification information holding unit. The charge request amount receiving unit that accepts the input of the charge request amount, which is the amount of the charge request to the charge type electronic money usage frame that is identified by the electronic money type identification information and can be used on this mobile terminal, and the held user. A person charge request acquisition unit that acquires a person charge request, which is information that associates the person identification information that is identification information with the charge request amount that has received an input, and a person charge request output unit that outputs the acquired person charge request. , The person charge request response acquisition unit that acquires the person charge request response that is the response to the output person charge request, the person charge request response display unit that displays the acquired person charge request response, and the charge type electronic money type identification information. The charge-type electronic money payment request acquisition unit, which is a payment request for charge-type electronic money from the usage limit of charge-type electronic money, and the charge-type electronic money usage held in response to the acquired charge-type electronic money payment request. A mobile terminal having a charge-type electronic money usage frame identification information output unit that outputs frame identification information.
<Processing flow of the mobile terminal of the other 1 embodiment>

The processing flow of the mobile terminal of the other 1 embodiment is as follows. However, as described above, the charge request amount receiving step is processed so as to satisfy the function of the present embodiment.

The user identification information acquisition step for acquiring the user identification information which is the person identification information and the information for identifying itself, and the multiple charge type electronic money type identification information for selectively acquiring multiple types of charge type electronic money type identification information. Charge-type electronic money type identification that selects one or more charge-type electronic money type identification information from the acquisition step and multiple charge-type electronic money type identification information acquired in the multiple charge-type electronic money type identification information step. The information selection step, the charge-type electronic money usage frame identification information acquisition step for identifying the charge-type electronic money usage frame available on the mobile terminal, and the charge-type electronic money usage frame identification information acquisition step for acquiring the charge-type electronic money usage frame identification information, and the selected charge-type electronic money The charge request amount acceptance step that accepts the input of the charge request amount, which is the amount of the charge request to the charge type electronic money usage frame that is identified by the type identification information and can be used on this mobile terminal, and the retained user identification information. A person charge request acquisition step for acquiring a person charge request, which is information associating the person identification information that is, and a charge request amount for which an input has been received, a person charge request output step for outputting the acquired person charge request, and an output. The person charge request response acquisition step for acquiring the person charge request response, which is the response to the completed person charge request, the person charge request response display step for displaying the acquired person charge request response, and the charge type electronic money type identification information are associated with each other. Identification of the charge-type electronic money payment request acquisition step, which is a payment request for charge-type electronic money from the charge-type electronic money usage limit, and the charge-type electronic money usage limit held in response to the acquired charge-type electronic money payment request. The charge-type electronic money usage frame identification information output step for outputting information is executed by a mobile terminal which is an electronic computer.
<Embodiment of Other 2 An embodiment that extends the embodiment of Other 1>

The following configuration is added to the consideration payment server and mobile terminal of the other embodiment 1.
The consideration payment server indicates the person charge limit based on the amount of consideration held in the receivable consideration information holding unit that the person identified by the person identification information has the right to receive and the judgment conditions held. It has a person charge limit information acquisition unit that acquires the person charge limit information, and a person charge limit information output unit that outputs the acquired person charge limit information.
The mobile terminal further includes a mobile-side person charge limit information acquisition unit that acquires person charge limit information, and a person charge limit information display unit that displays the acquired person charge limit information.
<Processing flow of the other 2 embodiments>
<Overview>

Basically, the process flow is as follows as in the third embodiment, but among the processes on the consideration payment server and the mobile terminal, the person charge request receiving unit on the consideration payment server satisfies the function of the fifth embodiment. Furthermore, there is no judgment condition acquisition step and no person charge request suitability judgment step. Further, in the processing of the mobile terminal, the charge request amount receiving step is processed so as to satisfy the function of the mobile terminal of the fifth embodiment.
<Specific example of the flow of the second embodiment processing>

Shows the person charge limit to the consideration payment server based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the judgment conditions acquired. The person charge limit information acquisition step for acquiring the person charge limit information which is information and the person charge limit information output step for outputting the acquired person charge limit information are executed.
The mobile terminal is made to execute the mobile-side person charge limit information acquisition step for acquiring the person charge limit information and the person charge limit information step for displaying the acquired person charge limit information.
<Other 3 Embodiments>
<Overview>

The following functions are added to the consideration payment server of the fifth embodiment, the other one embodiment, and the other two embodiments.
The consideration payment server identifies the person charge limit holding unit that holds the person charge limit information in association with the person identification information, the remittance source person identification information that is the person identification information that identifies the remittance source person, and the remittance destination person. Remittance request acquisition unit that acquires remittance request between persons, which is a remittance request that associates remittance destination person identification information, which is the person identification information, and remittance amount information, which is information indicating the amount of remittance, and the remittance source. It also has a remittance unit that subtracts the person charge limit associated with the person identification information and adds the person charge limit associated with the recipient person identification information.
<Flow of processing in the other 3 embodiments>
<Overview>

The other three embodiments are basically the same as the processing flow of the fourth embodiment, but among the processing on the consideration payment server and the mobile terminal, the person charge request reception unit on the consideration payment server It is configured to satisfy the function of the fifth embodiment, and further, there is no determination condition acquisition step and a person charge request suitability determination step. Further, in the processing of the mobile terminal, the charge request amount receiving step is processed so as to satisfy the function of the mobile terminal of the fifth embodiment.
<Specific example of processing flow in other 3 embodiments>

The following steps are added to the other embodiment 1 or the other embodiment 2 and processed so that the consideration payment server and the mobile terminal operate.
The person charge limit acquisition step for acquiring the person charge limit information in association with the person identification information on the remittance payment server, the remittance source person identification information which is the person identification information for identifying the remittance source person, and the remittance destination person are identified. Remittance request acquisition step to acquire a remittance request, which is a remittance request that associates the remittance destination person identification information, which is the person identification information, and the remittance amount information, which is information indicating the amount of remittance, and the remittance source. The remittance step of subtracting the person charge limit associated with the person identification information and adding the person charge limit associated with the recipient person identification information is further executed.
<Other 4 Embodiments>

The operation method (consisting of a plurality of steps) described in the fifth embodiment, the other embodiment 1, the other embodiment 2, and the other embodiment 3 is a consideration payment server and a computer which are computers as an operation program. It can be a program written so that it can be read and executed on a mobile terminal.
<A plurality of other 4 embodiments>

Specifically, it is the following program.
(1) Identifying the charge-type electronic money type By associating with the charge-type electronic money type identification information and storing the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information, the account is not controlled by the person described later. The resource account identification information acquisition step for acquiring the resource account identification information which is the information for identifying a certain resource account, the person identification information acquisition step for acquiring the person identification information for identifying the person who receives the consideration, and the person identification information. Receivable consideration information acquisition step to acquire receivable consideration information which is information indicating the amount of consideration that the person is entitled to receive in association with, the charge type electronic money type identification information available to the person, and the charge type electronic A person charge request acceptance step for accepting a person charge request, which is information including the charge request amount of a predetermined amount to the charge type electronic money usage frame identified by the money type identification information and the person identification information, and the charge request. Information on the remittance processing step for processing the predetermined amount of money associated with the person identification information for the source account of the charge-type electronic money identified by the charge-type electronic money type identification information included in the above, and the remittance processing. A person charge request response acquisition step for acquiring a person charge request response, which is a response to a person charge request including remittance processing information, and a person charge request response output step for outputting the acquired person charge request response, are considered as an electronic computer. The operation program of the consideration payment system written readable and executable on the payment server.
(2) A user identification information acquisition step for acquiring user identification information, which is person identification information and is information for identifying oneself, and

Multiple charge-type electronic money type identification information acquisition step for selectively acquiring multiple types of charge-type electronic money type identification information, and multiple charge-type electronic money types acquired in the multiple charge-type electronic money type identification information step Charge-type electronic money type identification information selection step to select one or more charge-type electronic money type identification information from the identification information, and charge-type electronic money use to identify the charge-type electronic money usage frame available on this mobile terminal Charge-type electronic money usage frame identification information acquisition step to acquire frame identification information and charge-type electronic money usage frame identification information identified by the selected charge-type electronic money type identification information and available on the mobile terminal are requested to be charged. Acquires the charge request amount receiving step that accepts the input of the charge request amount that is the amount, the person identification information that is the retained user identification information, and the person charge request that is the information that associates the charge request amount that received the input. The person charge request acquisition step to be performed, the person charge request output step to output the acquired person charge request, the person charge request response acquisition step to acquire the person charge request response which is the response to the output person charge request, and the acquired person. A person who displays the charge request response and a charge type electronic money payment request acquisition step which is a charge type electronic money payment request from the charge type electronic money usage frame in association with the charge type electronic money type identification information. And the charge-type electronic money usage frame identification information output step that outputs the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, is read and executed by the mobile terminal that is an electronic computer. The operation program of the consideration payment system according to (1) above, which is described as possible.
(3) The person charge limit is based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive on the consideration payment server and the judgment conditions acquired. The person charge limit information acquisition step for acquiring the person charge limit information which is the information indicating the amount and the person charge limit information output step for outputting the acquired person charge limit information are executed.
The above-mentioned description that the mobile terminal can read and execute the mobile-side person charge limit information acquisition step for acquiring the person charge limit information and the person charge limit information step for displaying the acquired person charge limit information. The operation program of the consideration payment system described in (2).
(4) The person charge limit acquisition step for acquiring the person charge limit information in association with the person identification information on the consideration payment server, the remittance source person identification information which is the person identification information for identifying the remittance source person, and the remittance destination. A remittance request acquisition step for acquiring a remittance request, which is a remittance request in which a remittance destination person identification information, which is person identification information for identifying a person, and a remittance amount information, which is information indicating a remittance amount, are associated with each other. , The person charge limit associated with the remittance source person identification information and / and the balance of the charge-type electronic money usage limit associated with the remittance source person's person identification information is subtracted and associated with the remittance destination person identification information. The remittance step of adding the person charge limit and / and the balance of the remittance type electronic money usage limit associated with the person identification information of the remittance destination person is further read and executed (1). ) To (3). The operation program of the consideration payment system according to any one of (3).
<Stock of invention>

The patterns that can be adopted as the embodiment of the present invention are described below.
First, as the configuration of the consideration payment server, "source account identification information holding section", "person identification information holding section", "receivable consideration information holding section", "person charge request receiving section", and "judgment". Any one or more of "condition holding unit", "person charge request suitability judgment unit", "remittance processing unit", "person charge request response acquisition unit", and "person charge request response output unit". A consideration payment system consisting of a combination of

For example, a consideration payment server consisting of a "source account identification information holding unit" and a "person identification information holding unit" can be considered. A consideration payment server consisting of a "receivable consideration information holding unit" and a "person charge request receiving unit" can be considered. A consideration payment server consisting of a "judgment condition holding unit" and a "person charge request suitability judgment unit" can be considered. A consideration payment server including a "remittance processing unit", a "person charge request / response acquisition unit", and a "person charge request / response output unit" can be considered. A consideration payment server consisting of a "resource account identification information holding unit", a "person identification information holding unit", and a "receivable consideration information holding unit" can be considered. A consideration payment server including a "person charge request reception unit", a "judgment condition holding unit", and a "person charge request suitability judgment unit" can be considered. A consideration payment server consisting of a "remittance processing unit" and a "person charge request response acquisition unit" can be considered. A consideration payment server including a "person identification information holding unit" and a "receivable consideration information holding unit" can be considered. A consideration payment server consisting of a "person charge request receiving unit" and a "judgment condition holding unit" can be considered. A consideration payment server consisting of a "person charge request suitability judgment unit" and a "remittance processing unit" can be considered. A consideration payment server consisting of a "person charge request / response acquisition unit" and a "person charge request / response output unit" can be considered. A consideration payment server including a "resource account identification information holding section", a "person identification information holding section", a "receivable consideration information holding section", and a "person charge request receiving section" can be considered. A consideration payment server consisting of a "judgment condition holding unit", a "person charge request suitability judgment unit", a "remittance processing unit", a "person charge request response acquisition unit", and a "person charge request response output unit". Conceivable. Compensation payment consisting of a "resource account identification information holding unit", a "person identification information holding unit", a "receivable consideration information holding unit", a "person charge request receiving unit", and a "judgment condition holding unit" A server is possible. A consideration payment server including a "person charge request suitability determination unit", a "remittance processing unit", a "person charge request response acquisition unit", and a "person charge request response output unit" can be considered. It consists of a "resource account identification information holding unit", a "person identification information holding unit", a "receivable consideration information holding unit", a "person charge request receiving department", and a "person charge request suitability judgment unit". A consideration payment server can be considered. A consideration payment server including a "remittance processing unit", a "person charge request / response acquisition unit", and a "person charge request / response output unit" can be considered.

0100 Consideration payment server 0101 Resource account identification information holding unit 0102 Person identification information holding unit 0103 Receivable consideration information holding unit 0104 Person charge request reception unit 0105 Person charge request suitability judgment unit 0106 Judgment condition holding unit 0107 Remittance processing unit 0108 Person charge request Response acquisition unit 0109 Person charge request response output unit

Claims (26)

1. Charge-type electronic money that identifies the charge-type electronic money type (the prepaid payment method is referred to in this way; the same shall apply hereinafter). The resource account identification information holding unit that stores the resource account identification information, which is the information that identifies the resource account, which is an account that is not controlled by the person, and the resource account identification information holding unit, which stores the funds for payment.
   A person identification information holding unit that holds person identification information that identifies the person who receives the consideration,
   A receivable consideration information holding unit that holds receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information.
   The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request reception department that accepts the person charge request, which is the information included,
   It is possible to respond to the charge request of the predetermined amount in comparison with the amount of consideration held in the receivable consideration information holding unit that the person identified by the person identification information included in the received person charge request has the right to receive. Judgment condition holding unit that holds the judgment condition, which is the condition for judging
   A person charge request suitability judgment unit that determines whether or not the predetermined amount of charge request can be met based on the received person charge request and the held judgment conditions.
   If the judgment result of the Person Charge Request Appropriateness Judgment Department is that the judgment result can be met, the charge-type electronic money source account associated with the charge-type electronic money type identification information included in the charge request is assigned. A remittance processing unit that processes the remittance of the predetermined amount associated with the person identification information,
   A person charge request response acquisition unit that acquires a person charge request response that is a response to a person charge request that includes remittance processing information that is information related to remittance processing, and a person charge request response acquisition unit.
   A person charge request response output unit that outputs the acquired person charge request response,
   A consideration payment system having a consideration payment server consisting of.
2. A user identification information holding unit that holds user identification information that is person identification information and is information that identifies itself,
   A multi-charge electronic money type identification information holding unit that selectively holds one or more types of charge-type electronic money type identification information,
   A charge-type electronic money type identification information selection unit that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information held in the multiple charge-type electronic money type identification information holding unit. ,
   A charge-type electronic money usage frame identification information holding unit that holds charge-type electronic money usage frame identification information that identifies the charge-type electronic money usage frame that can be used with this mobile terminal, and a charge-type electronic money usage frame identification information holding unit.
   The charge request amount receiving unit that accepts the input of the charge request amount, which is the amount to be charged to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on this mobile terminal.
   A person charge request acquisition unit that acquires a person charge request, which is information that associates the person identification information that is the retained user identification information with the charge request amount that has received the input.
   The person charge request output unit that outputs the acquired person charge request,
   A person charge request response acquisition unit that acquires a person charge request response that is a response to the output person charge request, and a person charge request response acquisition unit.
   A person charge request response display unit that displays the acquired person charge request response, and
   The charge-type electronic money payment request acquisition unit that acquires the charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
   The charge-type electronic money usage frame identification information output unit that outputs the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output unit.
   The consideration payment system according to claim 1, further comprising a mobile terminal having the above.
3. The consideration payment server is
   The person charge limit is set based on the amount of consideration indicated by the receivable consideration information held in the receivable consideration information holding unit that the person identified by the person identification information is entitled to receive and the judgment conditions held. The person charge limit information acquisition unit that acquires the person charge limit information, which is the information to be shown,
   The person charge limit information output unit that outputs the acquired person charge limit information,
   Have,
   Mobile terminals
   The mobile-side person charge limit information acquisition department that acquires person charge limit information,
   The person charge limit information display unit that displays the acquired person charge limit information,
   The consideration payment system according to claim 2, further comprising.
4. The consideration payment server is
   The person charge limit holding unit that holds the person charge limit information in association with the person identification information,
   The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition department that acquires the interpersonal remittance request, which is the associated remittance request,
   Determine if the amount indicated in the acquired remittance amount information is within the remittance range based on the person charge limit information indicated in the person charge limit information associated with the sender person identification information included in the interpersonal remittance request. Remittance possibility judgment department and
   If the judgment result of the remittance possibility judgment unit is the judgment result that remittance is possible, the person charge limit associated with the remittance source person identification information and / and the person identification information of the remittance source person The balance of the associated charge-type electronic money usage limit is deducted, and the person charge limit associated with the remittance destination person identification information and / and the charge-type electronic money associated with the remittance destination person's person identification information. The remittance department that processes to add the balance of the usage limit of
   The consideration payment system according to any one of claims 1 to 3, further comprising.
5. Identifying the charge-type electronic money type By associating with the charge-type electronic money type identification information, the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information are stored, and the resource account is an account that is not controlled by the person described later. The resource account identification information acquisition step to acquire the resource account identification information, which is the information that identifies
   The person identification information acquisition step for acquiring the person identification information that identifies the person who receives the consideration, and the person identification information acquisition step.
   Receivable consideration information acquisition step to acquire receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information,
   The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request acceptance step that accepts the person charge request, which is the information included, and
   It is possible to respond to the charge request of the predetermined amount in comparison with the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information included in the received person charge request has the right to receive. Judgment condition acquisition step to acquire the judgment condition which is the condition to judge whether it can be done,
   A person charge request suitability judgment step for determining whether or not the predetermined amount of charge request can be met based on the received person charge request and the held judgment conditions, and
   Person If the judgment result in the charge request suitability judgment step is the judgment result that the person can respond, the person for the source account of the charge type electronic money identified by the charge type electronic money type identification information included in the charge request. A remittance processing step for processing the predetermined amount of money associated with the identification information, and
   A person charge request response acquisition step for acquiring a person charge request response, which is a response to a person charge request including remittance processing information, which is information related to remittance processing, and a step of acquiring a person charge request response.
   A person charge request response output step that outputs the acquired person charge request response, and
   How to operate the consideration payment system that causes the consideration payment server, which is a computer, to execute.
6. A user identification information acquisition step for acquiring user identification information, which is person identification information and is information for identifying oneself, and
   Multiple charge-type electronic money type identification information acquisition steps for selectively acquiring multiple types of charge-type electronic money type identification information, and
   A charge-type electronic money type identification information selection step that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information acquired in the multiple charge-type electronic money type identification information step. ,
   The charge-type electronic money usage frame identification information acquisition step for acquiring the charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame that can be used with this mobile terminal, and the step for acquiring the charge-type electronic money usage frame identification information.
   A charge request amount acceptance step that accepts the input of the charge request amount, which is the amount of the charge request amount to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on the mobile terminal.
   A person charge request acquisition step for acquiring a person charge request, which is information in which the person identification information which is the retained user identification information and the charge request amount for which the input is received are associated with each other.
   The person charge request output step that outputs the acquired person charge request, and
   The person charge request response acquisition step for acquiring the person charge request response, which is the response to the output person charge request, and
   A person charge request response display step that displays the acquired person charge request response, and
   The charge-type electronic money payment request acquisition step, which is a charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
   The charge-type electronic money usage frame identification information output step for outputting the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output step.
   The operation method of the consideration payment system according to claim 5, further comprising a process of causing a mobile terminal, which is a computer, to execute the above.
7. For the consideration payment server,
   Person charge, which is information indicating the person charge limit based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the judgment conditions acquired. Person charge to acquire limit information The limit information acquisition step and
   The person charge limit information output step that outputs the acquired person charge limit information, and
   To run,
   For mobile terminals
   Acquiring person charge limit information The mobile phone person charge limit information acquisition step and
   The person charge limit information display step that displays the acquired person charge limit information, and
   The operation method of the consideration payment system according to claim 6.
8. For the consideration payment server,
   The person charge limit acquisition step to acquire the person charge limit information in association with the person identification information, and
   The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition step to acquire the interpersonal remittance request, which is the associated remittance request, and
   With the remittance enablement judgment step to determine whether the amount indicated by the acquired remittance amount information is within the range of the person charge limit indicated by the person charge limit information associated with the remittance source person identification information included in the interpersonal remittance request. ,
   If the judgment result in the remittance possibility judgment step is the judgment result that remittance is possible, the person charge limit associated with the remittance source person identification information and / and the person identification information of the remittance source person Subtract the associated charge-type electronic money usage limit, and the person charge limit associated with the remittance destination person identification information and / and the charge-type electronic money associated with the remittance destination person's person identification information. A remittance step to process the usage limit and
   The operation method of the consideration payment system according to any one of claims 5 to 7, wherein the above is further executed.
9. Identifying the charge-type electronic money type By associating with the charge-type electronic money type identification information, the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information are stored, and the resource account is an account that is not controlled by the person described later. The resource account identification information acquisition step to acquire the resource account identification information, which is the information that identifies
   The person identification information acquisition step for acquiring the person identification information that identifies the person who receives the consideration, and the person identification information acquisition step.
   Receivable consideration information acquisition step to acquire receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information,
   The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request acceptance step that accepts the person charge request, which is the information included, and
   It is possible to respond to the charge request of the predetermined amount in comparison with the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information included in the received person charge request has the right to receive. Judgment condition acquisition step to acquire the judgment condition which is the condition to judge whether it can be done,
   A person charge request suitability judgment step for determining whether or not the predetermined amount of charge request can be met based on the received person charge request and the held judgment conditions, and
   Person If the judgment result in the charge request suitability judgment step is the judgment result that the person can respond, the person for the source account of the charge type electronic money identified by the charge type electronic money type identification information included in the charge request. A remittance processing step for processing the predetermined amount of money associated with the identification information, and
   A person charge request response acquisition step for acquiring a person charge request response, which is a response to a person charge request including remittance processing information, which is information related to remittance processing, and a step of acquiring a person charge request response.
   A person charge request response output step that outputs the acquired person charge request response, and
   The operation program of the consideration payment system written in a computer that can be read and executed by the consideration payment server.
10. A user identification information acquisition step for acquiring user identification information, which is person identification information and is information for identifying oneself, and
    Multiple charge-type electronic money type identification information acquisition steps for selectively acquiring multiple types of charge-type electronic money type identification information, and
    A charge-type electronic money type identification information selection step that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information acquired in the multiple charge-type electronic money type identification information step. ,
    The charge-type electronic money usage frame identification information acquisition step for acquiring the charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame that can be used with this mobile terminal, and the step for acquiring the charge-type electronic money usage frame identification information.
    A charge request amount acceptance step that accepts the input of the charge request amount, which is the amount of the charge request amount to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on the mobile terminal.
    A person charge request acquisition step for acquiring a person charge request, which is information in which the person identification information which is the retained user identification information and the charge request amount for which the input is received are associated with each other.
    The person charge request output step that outputs the acquired person charge request, and
    The person charge request response acquisition step for acquiring the person charge request response, which is the response to the output person charge request, and
    A person charge request response display step that displays the acquired person charge request response, and
    The charge-type electronic money payment request acquisition step, which is a charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
    The charge-type electronic money usage frame identification information output step for outputting the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output step.
    The operation program of the consideration payment system according to claim 9, further comprising a program described so as to be readable and executable in a mobile terminal which is a computer.
11. The operation program of the consideration payment server is
    Person charge, which is information indicating the person charge limit based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the judgment conditions acquired. Person charge to acquire limit information The limit information acquisition step and
    The person charge limit information output step that outputs the acquired person charge limit information is described so that it can be read and executed.
    The operation program of the mobile terminal is
    Acquiring person charge limit information The mobile phone person charge limit information acquisition step and
    The person charge limit information step that displays the acquired person charge limit information, and
    The operation program of the consideration payment system according to claim 10, which is described so as to be readable and executable.
12. The payment server program is
    The person charge limit acquisition step to acquire the person charge limit information in association with the person identification information, and
    The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition step to acquire the interpersonal remittance request, which is the associated remittance request, and
    With the remittance enablement judgment step to determine whether the amount indicated by the acquired remittance amount information is within the range of the person charge limit indicated by the person charge limit information associated with the remittance source person identification information included in the interpersonal remittance request. ,
    If the judgment result in the remittance possibility judgment step is the judgment result that remittance is possible, it is associated with the person charge limit and / and the remittance source person identification information associated with the remittance source person identification information. Subtract the balance of the remittance type electronic money usage limit, and the person charge limit associated with the remittance destination person identification information and / and the charge type electronic money usage limit associated with the remittance destination person identification information. A remittance step to process the balance and
    The operation program of the consideration payment system according to any one of claims 9 to 11, which is described so as to be readable and executable in the consideration payment server.
13. Charge-type electronic money that identifies the charge-type electronic money type (the prepaid payment method is referred to in this way; the same shall apply hereinafter). The resource account identification information holding unit that stores the resource account identification information, which is the information that identifies the resource account, which is an account that is not controlled by the person, and the resource account identification information holding unit, which stores the funds for payment.
    A person identification information holding unit that holds person identification information that identifies the person who receives the consideration,
    A receivable consideration information holding unit that holds receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information.
    The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request reception department that accepts the person charge request, which is the information included,
    A remittance processing unit that performs processing for remittance of the predetermined amount associated with the person identification information for the source account of the charge-type electronic money associated with the charge-type electronic money type identification information included in the charge request.
    A person charge request response acquisition unit that acquires a person charge request response that is a response to a person charge request that includes remittance processing information that is information related to remittance processing, and a person charge request response acquisition unit.
    A person charge request response output unit that outputs the acquired person charge request response,
    A consideration payment system having a consideration payment server consisting of.
14. A user identification information holding unit that holds user identification information that is person identification information and is information that identifies itself,
    A multi-charge electronic money type identification information holding unit that selectively holds one or more types of charge-type electronic money type identification information,
    A charge-type electronic money type identification information selection unit that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information held in the multiple charge-type electronic money type identification information holding unit. ,
    A charge-type electronic money usage frame identification information holding unit that holds charge-type electronic money usage frame identification information that identifies the charge-type electronic money usage frame that can be used with this mobile terminal, and a charge-type electronic money usage frame identification information holding unit.
    The charge request amount receiving unit that accepts the input of the charge request amount, which is the amount to be charged to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on this mobile terminal.
    A person charge request acquisition unit that acquires a person charge request, which is information that associates the person identification information that is the retained user identification information with the charge request amount that has received the input.
    The person charge request output unit that outputs the acquired person charge request,
    A person charge request response acquisition unit that acquires a person charge request response that is a response to the output person charge request, and a person charge request response acquisition unit.
    A person charge request response display unit that displays the acquired person charge request response, and
    The charge-type electronic money payment request acquisition unit, which is a payment request for charge-type electronic money from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
    The charge-type electronic money usage frame identification information output unit that outputs the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output unit.
    The consideration payment system according to claim 13, further comprising a mobile terminal having the above.
15. The consideration payment server is
    The person charge limit, which is information indicating the person charge limit based on the amount of consideration held in the receivable consideration information holding unit that the person identified by the person identification information has the right to receive and the judgment conditions held. Person charge limit information acquisition department to acquire amount information,
    The person charge limit information output unit that outputs the acquired person charge limit information,
    Have,
    Mobile terminals
    The mobile-side person charge limit information acquisition department that acquires person charge limit information,
    The person charge limit information display unit that displays the acquired person charge limit information,
    The consideration payment system according to claim 14.
16. The consideration payment server is
    The person charge limit holding unit that holds the person charge limit information in association with the person identification information,
    The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition department that acquires the interpersonal remittance request, which is the associated remittance request,
    The person charge limit associated with the remittance source person identification information and / and the balance of the charge-type electronic money usage limit associated with the remittance source person identification information are subtracted and associated with the remittance destination person identification information. The remittance department that executes the process for adding the balance of the charge type electronic money usage limit associated with the person charge limit and / and the remittance destination person identification information, and
    The consideration payment system according to any one of claims 13 to 15, further comprising.
17. Identifying the charge-type electronic money type By associating with the charge-type electronic money type identification information, the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information are stored, and the resource account is an account that is not controlled by the person described later. The resource account identification information acquisition step to acquire the resource account identification information, which is the information that identifies
    The person identification information acquisition step for acquiring the person identification information that identifies the person who receives the consideration, and the person identification information acquisition step.
    Receivable consideration information acquisition step to acquire receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information,
    The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request acceptance step that accepts the person charge request, which is the information included, and
    A remittance processing step for processing the predetermined amount of money associated with the person identification information for the source account of the charge-type electronic money identified by the charge-type electronic money type identification information included in the charge request, and a remittance processing step.
    A person charge request response acquisition step for acquiring a person charge request response, which is a response to a person charge request including remittance processing information, which is information related to remittance processing, and a step of acquiring a person charge request response.
    A person charge request response output step that outputs the acquired person charge request response, and
    The operation method of the consideration payment system that causes the consideration payment server, which is a computer, to execute.
18. A user identification information acquisition step for acquiring user identification information, which is person identification information and is information for identifying oneself, and
    Multiple charge-type electronic money type identification information acquisition steps for selectively acquiring multiple types of charge-type electronic money type identification information, and
    A charge-type electronic money type identification information selection step that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information acquired in the multiple charge-type electronic money type identification information step. ,
    The charge-type electronic money usage frame identification information acquisition step for acquiring the charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame that can be used with this mobile terminal, and the step for acquiring the charge-type electronic money usage frame identification information.
    A charge request amount acceptance step that accepts the input of the charge request amount, which is the amount of the charge request amount to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on the mobile terminal.
    A person charge request acquisition step for acquiring a person charge request, which is information in which the person identification information which is the retained user identification information and the charge request amount for which the input is received are associated with each other.
    The person charge request output step that outputs the acquired person charge request, and
    The person charge request response acquisition step for acquiring the person charge request response, which is the response to the output person charge request, and
    A person charge request response display step that displays the acquired person charge request response, and
    The charge-type electronic money payment request acquisition step, which is a charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
    The charge-type electronic money usage frame identification information output step for outputting the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output step.
    The operation method of the consideration payment system according to claim 17, wherein the mobile terminal which is an electronic computer is made to execute the above.
19. To the consideration payment server,
    Person charge, which is information indicating the person charge limit based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the judgment conditions acquired. Person charge to acquire limit information The limit information acquisition step and
    The person charge limit information output step that outputs the acquired person charge limit information, and
    To run,
    On mobile terminals
    Acquiring person charge limit information The mobile phone person charge limit information acquisition step and
    The person charge limit information step that displays the acquired person charge limit information, and
    The operation method of the consideration payment system according to claim 18.
20. To the consideration payment server,
    The person charge limit acquisition step to acquire the person charge limit information in association with the person identification information, and
    The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition step to acquire the interpersonal remittance request, which is the associated remittance request, and
    The person charge limit associated with the remittance source person identification information and / and the balance of the charge-type electronic money usage limit associated with the remittance source person identification information are subtracted and associated with the remittance destination person identification information. A remittance step that adds the person charge limit and / and the balance of the charge-type electronic money usage limit associated with the remittance destination person identification information, and
    The operation method of the consideration payment system according to any one of claims 17 to 19, further executing the above.
21. Identifying the charge-type electronic money type By associating with the charge-type electronic money type identification information, the payment resources of the charge-type electronic money identified by the charge-type electronic money type identification information are stored, and the resource account is an account that is not controlled by the person described later. The resource account identification information acquisition step to acquire the resource account identification information, which is the information that identifies
    The person identification information acquisition step for acquiring the person identification information that identifies the person who receives the consideration, and the person identification information acquisition step.
    Receivable consideration information acquisition step to acquire receivable consideration information, which is information indicating the amount of consideration that the person is entitled to receive in association with the person identification information,
    The charge type electronic money type identification information that can be used by the person, the charge request amount of the predetermined amount to the charge type electronic money usage frame identified by the charge type electronic money type identification information, and the person identification information are associated with each other. The person charge request acceptance step that accepts the person charge request, which is the information included, and
    A remittance processing step for processing the predetermined amount of money associated with the person identification information for the source account of the charge-type electronic money identified by the charge-type electronic money type identification information included in the charge request, and a remittance processing step.
    A person charge request response acquisition step for acquiring a person charge request response, which is a response to a person charge request including remittance processing information, which is information related to remittance processing, and a step of acquiring a person charge request response.
    A person charge request response output step that outputs the acquired person charge request response, and
    The operation program of the consideration payment system described in a computer that can be read and executed by the consideration payment server.
22. A user identification information acquisition step for acquiring user identification information, which is person identification information and is information for identifying oneself, and
    Multiple charge-type electronic money type identification information acquisition steps for selectively acquiring multiple types of charge-type electronic money type identification information, and
    A charge-type electronic money type identification information selection step that selects one or more charge-type electronic money type identification information from a plurality of charge-type electronic money type identification information acquired in the multiple charge-type electronic money type identification information step. ,
    The charge-type electronic money usage frame identification information acquisition step for acquiring the charge-type electronic money usage frame identification information for identifying the charge-type electronic money usage frame that can be used with this mobile terminal, and the step for acquiring the charge-type electronic money usage frame identification information.
    A charge request amount acceptance step that accepts the input of the charge request amount, which is the amount of the charge request amount to the charge type electronic money usage frame that is identified by the selected charge type electronic money type identification information and can be used on the mobile terminal.
    A person charge request acquisition step for acquiring a person charge request, which is information in which the person identification information which is the retained user identification information and the charge request amount for which the input is received are associated with each other.
    The person charge request output step that outputs the acquired person charge request, and
    The person charge request response acquisition step for acquiring the person charge request response, which is the response to the output person charge request, and
    A person charge request response display step that displays the acquired person charge request response, and
    The charge-type electronic money payment request acquisition step, which is a charge-type electronic money payment request from the charge-type electronic money usage frame in association with the charge-type electronic money type identification information,
    The charge-type electronic money usage frame identification information output step for outputting the charge-type electronic money usage frame identification information held in response to the acquired charge-type electronic money payment request, and the charge-type electronic money usage frame identification information output step.
    21. The operation program of the consideration payment system according to claim 21, which is described so that it can be read and executed by a mobile terminal which is a computer.
23. To the consideration payment server,
    Person charge, which is information indicating the person charge limit based on the amount of consideration acquired in the receivable consideration information acquisition step that the person identified by the person identification information has the right to receive and the judgment conditions acquired. Person charge to acquire limit information The limit information acquisition step and
    The person charge limit information output step that outputs the acquired person charge limit information, and
    To run,
    On mobile terminals
    Acquiring person charge limit information The mobile phone person charge limit information acquisition step and
    The person charge limit information step that displays the acquired person charge limit information, and
    The operation program of the consideration payment system according to claim 22, which is described so as to be readable and executable.
24. To the consideration payment server,
    The person charge limit acquisition step to acquire the person charge limit information in association with the person identification information, and
    The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition step to acquire the interpersonal remittance request, which is the associated remittance request, and
    The person charge limit associated with the remittance source person identification information and / and the balance of the charge-type electronic money usage limit associated with the remittance person identification information are subtracted, and the person associated with the remittance destination person identification information. A remittance step that adds the charge limit and / and the balance of the charge-type electronic money usage limit associated with the remittance destination person identification information, and
    The operation program of the consideration payment system according to any one of claims 21 to 23, further readable and executable.
25. The consideration payment server is
    The person charge limit holding unit that holds the person charge limit information in association with the person identification information,
    The remittance source person identification information, which is the person identification information for identifying the remittance source person, the remittance destination person identification information, which is the person identification information for identifying the remittance destination person, and the remittance amount information, which is the information indicating the remittance amount. The interpersonal remittance request acquisition department that acquires the interpersonal remittance request, which is the associated remittance request,
    Determine if the amount indicated in the acquired remittance amount information is within the remittance range based on the person charge limit information indicated in the person charge limit information associated with the sender person identification information included in the interpersonal remittance request. The consideration payment system according to claim 1 or 2, further comprising a remittance possibility determination unit.
26. The consideration payment server is charge-type electronic money, which is information indicating the balance of the charge-type electronic money usage limit associated with the person identification information of the charge-type electronic money identified by the charge-type electronic money type associated with the person identification information. Charge-type electronic money usage limit balance information acquisition department that acquires money usage limit balance information,
    The charge-type electronic money usage limit balance information holding unit that holds the acquired charge-type electronic money usage limit balance information in association with the associated person identification information,
    The consideration payment system according to any one of claims 1 to 4, further comprising.

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