JP2009104354A - Point management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a mechanism by which points can reliably be transferred between users without notifying the other party of information capable of specifying an individual in a point management system. <P>SOLUTION: A user A logs in a system by operating a terminal 50a, and sets the answer of confirmation items necessary for receiving points, and applies to a server 10 for the transmission of point transmission mail to a mail address available by a user B by using a terminal 50b. In this case, the server 10 generates mail in which URL for confirmation is described, and transmits it to the mail address destination. At the same time, the user B requests a point reception page specified from the URL for confirmation described in the received mail to the server 10 by operating the terminal 50b, and answers the confirmation items set by the user A after passing member authentication, and applies to the server 10 for the reception of points. In this case, the server 10 transfers the designated number of reception stand-by points secured by the point account of the user A to the point account of the user B. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a system for managing points representing a monetary value held by a user, and more particularly to transfer processing of points between users.

A service that gives points to a user in accordance with purchase of a product or use of a service is known (see, for example, Non-Patent Document 1).
The given points can be used as all or part of the settlement price or exchanged for benefits such as gifts, but transfer between users is limited.

On the other hand, a service for giving electronic money to a user by equivalent exchange with real money is also known. As means for exchange, there are those using an account of a financial institution (for example, see Patent Document 1) and those using a credit card (for example, see Patent Document 2).
The given electronic money can be used as all or a part of the settlement price or exchanged for a privilege such as a gift, or can be transferred between users in a so-called open loop type system.

As a mechanism for transferring electronic money or the like between users, one using electronic mail is known (for example, “Second Embodiment” in Patent Document 3 and “First Remittance Processing” in Patent Document 4). And “second remittance process”, “third embodiment” of Patent Document 5, and “second embodiment” of Patent Document 6).
The present invention also uses e-mail to transfer points representing monetary value between users.

JP 2006-053846 A JP 2006-133857 A JP 2004-272470 A Japanese Patent No. 3929402 JP 2002-245248 A JP 2002-197389 A Rakuten Inc., “Rakuten Super Point Terms of Use (for Rakuten Members)”, [online], revised on April 1, 2004, Internet <URL: http://point.rakuten.co.jp/doc/kiyaku.html >

  The present invention provides a system for safely transferring points between users without transmitting information (for example, name, ID, account number, etc.) that can identify an individual to the other party in a system for managing user points. This is the issue.

  In order to solve the above-mentioned problem, the present invention is a point transfer process between users who access the system via a terminal by a point management system that manages a point representing a monetary value acquired by a transaction. It has point number information storage means for storing the number of points available for use and the number of points waiting to be received for each user, and point transfer information storage means for storing information related to point transfer, and transmits points. Point transfer information input page transmitting means for transmitting a point transfer information input page for inputting point transfer information to the terminal of the point source user in response to a request from the terminal of the point source user performing the point transfer information, and the point transfer information Number of transfer points entered on the input page and points that inform the transfer of points Point transfer information including at least a destination mail address of the transfer notification mail and an answer to the confirmation item set by the point transmission source user is received from the terminal of the point transmission source user and stored in the point transfer information storage means Point transfer information receiving means for storing, and subtracting the number of transfer points included in the received point transfer information from the number of available points of the point transmission source user stored in the point number information storage means, and receiving A point securing means for adding to the number of waiting points, and a point transfer notification mail describing at least a URL for specifying a point receiving page for receiving the secured points when the number of the transferred points is secured To the destination email address included in the received point transfer information In response to a point transfer page transmission request specified by the URL described in the point transfer notification mail from the point transfer notification mail to be transmitted from the user's terminal, the point transfer information storage unit reads A point receipt page transmitting means for generating a point receipt page based on the point transfer information corresponding to the transmission request and transmitting it to the terminal of the user, and a confirmation set by the point transmission source user via the point receipt page A point receiving page response receiving means for receiving the reserved point receiving information including the answer of the item from the terminal of the receiving user receiving the reserved point, and the point transfer when receiving the receiving information. Based on the point transfer information corresponding to the received information read from the information storage means, the received Confirmation item determination means for determining whether or not the response of the confirmation item included in the information is correct, and a point corresponding to the received information read from the point transfer information storage means when it is determined that the response of the confirmation item is correct Point transfer that subtracts the number of transfer points of transfer information from the number of points waiting to be received by the point transmission source user stored in the point number information storage means and adds it to the number of available points of the point receiving user Means for transferring points between the point transmission source user and the point receiving side user.

In the point management system, the point is a point issued by an equivalent exchange with real money, and the point securing means is excluded from securing points other than the points issued by an equivalent exchange with real money. It may be characterized by.
In any one of the point management systems, further comprising member authentication means for authenticating that the user is a registered member, and when the point transmission source user is not a member, the point transfer information input page transmission means Does not transmit the point transfer information input page, and when the user is not a member, the point receiving page transmitting means does not transmit the point receiving page.
In any one of the point management systems, when the confirmation item determination unit determines that the response of the confirmation item included in the received reception information is not correct, the point reception page transmission unit transmits the point reception page again. When the confirmation item determination unit continuously determines that the response of the confirmation item included in the received reception information is not correct a predetermined number of times, the point reception page transmission unit does not transmit the point reception page. It may be a feature.
In any one of the above point management systems, the point receiving page response receiving means further receives, via the point receiving page, the reserved point reception decline information from the terminal of the point receiving side user, When the point receiving page response receiving means receives the receipt decline information, the point transfer means determines the number of transfer points of the point transfer information corresponding to the receipt decline information read from the point transfer information storage means, as described above. A point may be subtracted from the number of points waiting to be received by the point transmission source user stored in the point number information storage means and added to the number of available points.

  In any one of the point management systems, point transfer is further performed based on the point transfer information corresponding to the transmission request read from the point transfer information storage unit in response to a transmission request from the terminal of the point transmission source user. Point transfer information browsing page transmitting means for generating an information browsing page and transmitting it to the terminal of the point transmission source user, and the retransmission information of the point transfer notification mail via the point transfer information browsing page, the point transmission source A point transfer information browsing page response receiving means for receiving from the user's terminal, and when the point transfer information browsing page response receiving means receives the retransmission information, the point transfer notification mail transmitting means is configured to receive the point transfer information. The notification mail may be transmitted again. At this time, the point transfer information browsing page response receiving means further receives the point transfer cancellation information from the point transmission source user terminal via the point transfer information browsing page, and the point transfer information When the response receiving unit of the information browsing page receives the cancellation information, the point transfer unit determines the transfer point number of the point transfer information corresponding to the cancellation information read from the point transfer information storage unit, as the point number information. The point may be subtracted from the number of points waiting to be received by the point transmission source user stored in the storage means, and added to the number of available points. Further, the point transfer information stored in the point transfer information storage means further includes status information indicating the progress status of the point transfer processing, and the point transfer information browsing page transmission means includes the point transfer information storage means Based on the status information of the point transfer information corresponding to the transmission request for the point transfer information browsing page read out, it is determined whether or not points can be received, and it is determined that the points cannot be received. At this time, the point transfer information browsing page may not be transmitted.

When the point transfer information stored in the point transfer information storage means includes status information indicating the progress status of the point transfer process, in the point management system, the point receiving page transmission means includes the point transfer information storage means When it is determined whether or not the point can be received based on the status information of the point transfer information corresponding to the transmission request for the point reception page read out, and when it is determined that the point cannot be received, The point receiving page may not be transmitted. At this time, the point transfer information receiving means adds the information of the received date of receiving the point transfer information to the received point transfer information and stores it in the point transfer information storage means, and the point transfer notification mail. The transmission means reads the point transfer information in a state in which points can be received from the point transfer information storage means based on the status information, and receives the point transfer information reception date based on the reception date information. It is determined whether or not a predetermined number of days have elapsed since the date, and when it is determined that the predetermined number of days have elapsed since the reception date of the point transfer information, a point transfer notification email corresponding to the point transfer information is transmitted again This may be a feature. The point transfer means reads point transfer information in a state where points can be received from the point transfer information storage means based on the status information, and receives points based on the received date information. Transfer of the point transfer information that has been determined whether the time limit has passed and when it has been determined that the time limit has passed has passed, the time limit for receipt read from the point transfer information storage means has passed The number of points may be subtracted from the number of points waiting to be received by the point transmission source user stored in the point number information storage means, and added to the number of available points.
In any one of the point management systems, the response of the confirmation item may be a set of a confirmation item classification selected by the point transmission source user and the response set by the point transmission source user. Good. At this time, the confirmation item category may be a confirmation item category set by the point transmission source user.

In addition, the present invention is a method for transferring points between users who access the system via a terminal by a point management system that manages points representing monetary value acquired by a transaction, and uses the user Point transmission source user having point number information storage means for storing the number of possible points and the number of points waiting to be received for each user, and point transfer information storage means for storing information relating to point transfer, and transmitting points In response to a request from the terminal, a point transfer information input page for inputting the point transfer information is transmitted to the point transfer information input page transmitting step for transmitting the point transfer information input page to the terminal of the point transmission source user, and is input to the point transfer information input page. In addition, the number of transfer points and a point transfer notification email to notify the transfer of points Point transfer that receives point transfer information including at least a destination mail address and an answer to the confirmation item set by the point transmission source user from the point transmission source user's terminal and stores it in the point transfer information storage means An information receiving step, the number of transfer points included in the received point transfer information is subtracted from the available point number of the point transmission source user stored in the point number information storage means, and the number of points waiting to be received A point securing step to be added to, and when the number of transfer points is secured, a point transfer notification mail is generated, which at least describes a URL specifying a point receiving page for receiving the secured points, and the reception Sent to the destination email address included in the point transfer information Point transfer notification mail transmission step, and the transmission read from the point transfer information storage means in response to a transmission request of the point receipt page specified by the URL described in the point transfer notification mail from the user terminal A point receipt page transmission step of generating a point receipt page based on the point transfer information corresponding to the request and transmitting it to the user terminal, and a confirmation item set by the point transmission source user via the point receipt page A point receiving page response receiving step for receiving the reserved point reception information including the answer from the terminal of the receiving user receiving the reserved point; and when receiving the received information, the point transfer information Based on the point transfer information corresponding to the received information read from the storage means, A confirmation item determination step for determining whether or not the response of the confirmation item included in the received information is correct; and when the response of the confirmation item is determined to be correct, the received information read from the point transfer information storage means The number of transfer points of the point transfer information to be subtracted from the number of points waiting to be received by the point transmission source user stored in the point number information storage means, and added to the number of points available to the point receiving user. A point transfer step, wherein the points are transferred between the point transmission source user and the point receiving side user.
A program for causing a computer to realize each means of the point management system as a function is also the present invention.

The system of the present invention requests the sender user only the mail address that can be used by the recipient user as destination information, while setting the classification of confirmation items and the answer necessary for receiving points. It is said.
The system of the present invention allows the receiving user to receive points only when both the URL of the point receiving page and the answer of the confirmation item set by the transmission source user are known.
As a result, if the system of the present invention is used, information for identifying itself (for example, name, ID, account number, etc.), except when the user intentionally inputs between the sending user and the receiving user. ) Can be transferred safely without any notice to the other party.

Hereinafter, an exemplary embodiment of the present invention will be described with reference to FIGS.
The system according to this embodiment is a service (point management service) that comprehensively manages points that represent monetary value, as a function of transmitting points to other users by using e-mails (point management service). Point transmission service).

As a premise, the point management service is intended for users (members) who are registered as members.
In addition, points that can be transmitted using the point transmission service are limited to points issued by equivalent exchange with real money (points acquired by equivalent exchange with real money and points transferred from other users). It is assumed that In the drawings used for explanation, points issued by equivalent exchange with real money are represented by a mark “●● cash”.

However, these are embodiments of the present invention, and the target of service provision and the range of points that can be transmitted can be changed as appropriate.
For example, a point management service may be provided to unregistered users. Moreover, it is good also as transmission of the point acquired according to the purchase of goods etc. in a predetermined | prescribed store (for example, store etc. which opened a store in a virtual shopping mall).

<Description of this embodiment>
(1. Overview of the system of the present embodiment)
An overview of the system of this embodiment will be briefly described with reference to FIG.
In the following explanation, a user A (transmission source user) transfers his / her point to another user B (recipient user) by sending a point transmission contact mail using the system of this embodiment. This is an example of the case.

(1-1. System configuration of the present embodiment)
As shown in FIG. 1, the system of this embodiment includes a point management server 10 that provides a point management service, a bank system 20 that exchanges points and real money equivalently, and a virtual shopping street that manages and operates a virtual shopping street service. The management system 30 includes a terminal 50a of a transmission source user A and a terminal 50b of a receiving user B.
These are connected to each other via a network 40 through a telecommunication line such as the Internet. Further, the point management server 10 is connected to the bank system 20 via a dedicated line 41 and to the virtual shopping mall management system 30 via a dedicated line 42.

(1-2. Features of the system of the present embodiment)
In comparison with the conventional example, the system of the present embodiment has the following features (a) to (c).
(A) The transmission source user A can set the confirmation item classification and the answer necessary for receiving points more flexibly.
(B) The mail address specified as the destination of the contact mail for point transmission need only be usable by the receiving user B, and need not be registered as the receiving user B's mail address.
(C) The sender user A and the receiving user B are not notified of any information (for example, name, ID, account number, etc.) for specifying the other party, unless the user himself / herself dares to input it.

Due to the above characteristics, if the system of this embodiment is used, the transmission source user A does not specify the receiving user B by personal information or the like, and (a) the URL of the point receiving page (confirmation URL) and ( B) The receiving user B who knows both the answers of the confirmation items set by the transmission source user A can receive the points.
On the other hand, the response of the confirmation item requested by the system of the present embodiment upon receipt of the point is a kind of one-time password set by the transmission source user for each point transfer transaction, and its security strength is relatively high in nature. It is. In addition, if the common knowledge (for example, the order number of the transaction that triggered the point transfer, the handle name of the party used for the transaction, etc.) is set as the answer, Need not be notified in advance.
As described above, the system according to the present embodiment can safely transfer the point representing the monetary value while ensuring the anonymity of the parties.

In the system of the present embodiment, an answer is set between the sending user A and the receiving user B after indicating them by appropriate means outside the system (for example, e-mail, facsimile, letter, telephone, etc.). It can also correspond to the usage mode.
Moreover, the system of this embodiment grasps both the transmission source user A and the receiving side user B, and keeps the transaction history as a record. Therefore, even if a trouble occurs between users related to the transmission of points, a solution can be achieved based on the record.

(1-3. Outline of point transmission service)
The point transmission service is a service for transferring points from the transmission source user A to the reception side user B by a two-step procedure of (a) transmission of points by the transmission source user A and (b) reception of points by the reception side user B. It is.
Note that the points are not transferred unless the receiving user B makes an application for receiving points. Therefore, there is no continuity between the sending procedure and the receiving procedure.

(A) Transmission of point by transmission source user A The transmission source user A operates the user terminal 50a to log in to the point management service, sets an answer of a confirmation item necessary for receiving the point, and then receives the reception side user. B makes an application to the point management server 10 that a contact mail for point transmission should be sent to an email address that can be used using the user terminal 50b.
The point management server 10 that has accepted the application for transmission generates a point transmission contact mail in which the confirmation URL is described, and transmits it to the mail address.

(A) Receiving points by receiving user B Receiving user B operates user terminal 50b to manage points received on the point receiving page specified by the confirmation URL described in the received point transmission contact mail. After making a request to the server 10 and authenticating that it is a member, it responds to the confirmation item set by the transmission source user A, and then requests the point management server 10 to receive points.
The point management server 10 that has received the application for reception transfers the designated number of reception waiting points secured in the point account of the transmission source user A to the point account of the reception side user B.

(1-4. Outline of point management service)
The point management service is a service that manages the acquisition and use of all points including not only points acquired by equivalent exchange with real money but also “points acquired by purchasing products etc. at a predetermined store”.
The main mode of acquiring / using points will be illustrated with reference to FIG. The following is performed by the user operating his / her user terminal.
The point management service manages member points in units of point accounts.

(A) Acquisition-By transmitting points using the point management server 10, points transmitted from other users are received and accumulated in the point account.
-By deducting from a deposit account managed by the bank system 20, the points exchanged equivalent to real money are charged to the point account.
-By purchasing a product or the like at a predetermined member store opening in the virtual shopping mall management system 30, points corresponding to the purchase amount are accumulated in the point account.

(B) Use Use the point management server 10 to transmit points charged to the point account or points transferred from other users to other users.
Use the bank system 20 to convert a part or all of the points charged to the point account or the points transferred from other users into a certain amount of real money.
Use the virtual shopping mall management system 30 to pay the points charged or accumulated in the point account as part or all of the purchase price of the merchandise etc. at a predetermined member store.

(2. Details of the system of this embodiment)
The configuration of the system of this embodiment will be described in detail with reference to FIGS.
Here, a description will be given focusing on a portion necessary for transmitting points. Since both the bank system 20 and the virtual shopping mall management system 30 are not related to the point transfer process, a detailed description is omitted.

(2-1. Point management server)
In FIG. 1, a point management server 10 is a server that comprehensively manages points held by members. Here, parts necessary for providing the point transmission service will be described.
Note that the point management server 10 has a function of generating and transmitting a Web page, and can generate and transmit a Web page in response to a request from the user terminal 50a, the user terminal 50b, and the like. In addition, the point management server 10 has a function of transmitting an electronic mail, and can transmit an electronic mail to the user terminal 50a, the user terminal 50b, and the like.

(2-2. Account information database)
In FIG. 1, an account information database 11 is a database that stores information on point accounts of members who use the point management service provided by the system of the present embodiment (hereinafter referred to as “account information”). Here, only a part necessary for providing the point transmission service which is one function of the point management service will be described.
In the present embodiment, the account information database 11 is constructed in a storage device built in the point management server 10. However, if the stored information can be read out, it is constructed in another independent storage device. May be.

FIG. 2A shows main items of the account information.
In FIG. 2A, “member ID” is identification information unique to a member. “Password” is a password used for authentication of the member. The “mail address” is an email address used by the member, and is a transmission destination of a confirmation mail or a contact mail transmitted from the point management server 10 at each stage of the point transmission service.

Similarly in FIG. 2 (a), the “number of available points” is the total number of available points (points to be transmitted issued by equivalent exchange with real money) held by the member. It is managed separately from points accumulated according to purchase. The “number of points waiting to be received” is the number of points that the member has transmitted to other users and for which the receiving procedure has not been completed, and cannot be used by the member.
Similarly, in FIG. 2A, “transaction history” is a history of transactions regarding points that the member has performed in the past, and a transaction number assigned to transaction information described later is recorded. “Member information” is personal information of the member (for example, name, gender, address, telephone number, etc.).
For member authentication (login), “member ID” and “password” are used in the account information items.

(2-3. Transaction information database)
Returning to FIG. 1, the transaction information database 12 is a database that stores information on transactions related to points (hereinafter referred to as “transaction information”) performed using the point management service provided by the system of the present embodiment. is there.
Here, as necessary parts for providing the point transmission service which is one function of the point management service, transaction information related to the transaction at the point transmission stage (hereinafter referred to as “transmission transaction information”), and the point reception stage Transaction information relating to the transaction (hereinafter referred to as “received transaction information”) will be described separately.
In the present embodiment, the transaction information database 12 is constructed in a storage device built in the point management server 10, but if the stored information can be read, it is constructed in another independent storage device. May be. Further, the transmission transaction information and the reception transaction information may be managed collectively as one piece of information (for example, transfer transaction information).

(A) Transmission Transaction Information FIG. 2 (b) shows the main items of transmission transaction information.
In FIG. 2B, the “transaction number” is identification information unique to the transaction at the transmission stage using the point management service. This transaction number is given in the format of “[identifier] − [year / month / day (yyyymmdd)] − [identification number]”. As identifiers, for example, “1” is assigned to the point replenishment service (charge), “2” is assigned to the point transmission service (gift), and “3” is assigned to the point cashing service. The date indicates a point transmission date (a reception date of point transmission application information to be described later). The identification number is a unique number for all transaction information. The “corresponding transaction number” is the transaction number of the receiving stage transaction corresponding to the transmitting stage transaction, and the receiving transaction information is linked to the transmitting transaction information.
Similarly, in FIG. 2B, the “transmission source member ID” is the ID of the member who performed the transaction at the transmission stage, and the account information is linked to the transmission transaction information. The “destination mail address” is the destination mail address of the contact mail for point transmission designated in the transaction at the transmission stage. The “number of transaction points” is the total number of points transmitted in the transaction at the transmission stage, and includes a predetermined fee and consumption tax. The “commission bearer category” is a category (“transmission source” or “recipient”) indicating the bearer of the fee (including consumption tax) imposed on the transaction at the transmission stage.

Similarly, in FIG. 2B, “confirmation item classification” is a classification of confirmation items necessary for receiving the points transmitted in the transaction at the transmission stage (in this embodiment, “recipient name”, “order received”). Number ”,“ recipient mobile phone number ”), and the transmission source user selects one of the categories. The “confirmation item answer” is an answer to the confirmation item necessary for receiving the points transmitted in the transaction at the transmission stage, and is set by the transmission source user.
Similarly, in FIG. 2B, the “sender message” is a message addressed to the receiving user regarding the transaction at the transmission stage, and is input by the sender user. “Transmission status” is a category (in this embodiment, “waiting for reception”, “reception completed”, “rejection of reception”, “cancellation of transmission”, “send back”) indicating the progress of the transaction at the transmission stage. The initial value is “waiting for receipt”.

(B) Receiving Transaction Information FIG. 2 (c) shows the main items of receiving transaction information.
In FIG. 2C, “transaction number” is identification information unique to the transaction at the receiving stage using the point management service. The format is the same as the “transaction number” (FIG. 2B) of the transmission transaction information. The “corresponding transaction number” is a transaction number assigned to the transaction at the transmission stage corresponding to the transaction at the reception stage, and the transmission transaction information is linked to the reception transaction information.
Similarly, in FIG. 2C, “receiving member ID” is the ID of the member who performed the transaction at the receiving stage, and the account information is linked to the received transaction information. The “receiver message” is a message addressed to the transmission source user regarding the transaction at the receiving stage, and is input by the receiver user. The “receipt status” is a classification (in this embodiment, “receipt” or “decline”) indicating the result of the transaction at the receipt stage.

(2-4. Bank system)
Referring back to FIG. 1, the bank system 20 is a bank system that performs exchange processing (charging and cashing) between real money and points. The bank system 20 is connected to the point management server 10 via a dedicated line 41, and is linked to the point management server 10 with respect to real money and point exchange processing. Further, data is encrypted and transmitted / received between the bank system 20 and the point management server 10.
In this embodiment, the point management server 10 and the bank system 20 are connected via a dedicated line 41. However, as long as data can be safely transmitted and received by encryption or the like, the point management server 10 and the bank system 20 are connected via a network 40 such as the Internet. May be connected.

(2-5. Virtual Shopping Street Management System)
In FIG. 1, a virtual shopping mall management system 30 is a system that provides a virtual shopping mall service that manages and manages trading transactions for products and the like between members and member stores. The virtual shopping mall management system 30 is connected to the point management server 10 via a dedicated line 42, and is linked to the point management server 10 regarding management processing such as order receipt and settlement. Further, data is encrypted and transmitted / received between the virtual shopping mall management system 30 and the point management server 10.
In this embodiment, the point management server 10 and the virtual shopping mall management system 30 are connected via a dedicated line 42. However, as long as data can be safely transmitted and received by encryption or the like, a network such as the Internet is used. 40 may be connected.

(2-6. User terminal)
The user terminal 50a is a terminal used by the transmission source user A who transmits points using the point transmission service. On the other hand, the user terminal 50b is a terminal used by the receiving user B who receives points using the point transmission service. In the present embodiment, the user terminal 50a and the user terminal 50b are both terminals (for example, personal computers) having a communication function.
Each of the user terminal 50a and the user terminal 50b has a browser, and can apply for transmission or reception of points by connecting to the point management server 10 via the network 40 such as the Internet. Each of the user terminal 50a and the user terminal 50b has a mailer, and can receive an electronic mail transmitted by the point management server 10.

(3. Point transmission procedure)
The point transmission procedure will be described in detail with reference to the sequence diagram of FIG. 3 and the page mail example of FIGS.
The following description is an example in which the transmission source user A operates the user terminal 50a and transmits points to the receiving user B who uses the user terminal 50b.

The sequence diagram of FIG. 3 shows a flow after the transmission source user A logs in to the point management service and selects the point transmission function on the top page. When the transmission source user A selects the point transmission function on the top page of the point management service, the user terminal 50a requests the point management server 10 for an input page of items necessary for transmitting points.
FIG. 3 shows the numbers of other drawings to be referred to.

(3-1. Input required items)
As shown in FIG. 3, upon receiving a request for an input page, the point management server 10 transmits an input page of items necessary for transmitting points to the user terminal 50a, and is necessary for transmitting points to the transmission source user A. Items are input (S305).
When the user terminal 50a receives the input page, the transmission source user A inputs an item necessary for transmitting points in a predetermined column of the page. In addition, an answer for a confirmation item necessary for receiving points is set and input together with a message. The input information is transmitted from the user terminal 50a to the point management server 10.

FIG. 4 illustrates an input page for items necessary for transmitting points.
The input page 400 is transmitted from the point management server 10 to the user terminal 50a when a point transmission function is selected by clicking a button or the like displayed as "Send points" on the top page of the point management service. This page.

The input page 400 includes a progress status display column 410, a stored point number display column 420, a transmission information selection / input column 430, and a button 440.
The progress status display column 410 displays the progress status of the point transmission procedure. Here, “(1) Input required items” is highlighted.
The possessed point number display column 420 displays the total number of points owned by the transmission source user A.

In the transmission information selection / input field 430, information related to point transmission is selected and input.
In the designation field 432, the number of points to be transmitted to the receiving user B is selected from predetermined options, or 1 point within the range of 50 points to the number of points that can be transmitted (the number of points displayed in the display field 431). Input in units. The number of transmittable points displayed in the display field 431 is a predetermined upper limit number and lower limit number (for example, the upper limit number of transmissions per month, based on the “available point number” of the account information of the transmission source user A) The number considering the maximum number of transmissions and the minimum number of transmissions per transmission).
In the input field 433, a mail address that can be used by the receiving user B is entered. It does not matter whether it is registered as the mail address of the receiving user B.

In the selection column 434a, one of “recipient name”, “order number”, and “recipient mobile phone number” is selected as a confirmation item category.
In the input field 434b, a character string arbitrarily set by the transmission source user A is input as an answer to the confirmation item. The contents of the answer may be provisional that does not accurately reflect reality. For “Recipient Name”, only double-byte kana characters, “Order Number” for single-byte alphanumeric characters, and for “Recipient Mobile Phone Number”, only single-byte numbers are allowed, both within 50 characters. To input.

In the input field 435, a message transmitted from the transmission source user A to the receiving user B regarding the transmission of points is input. For example, by inputting the circumstances and contents of transmission, it is used like a point transmission invoice. In this input field 435, hints for answering confirmation items may be input. Enter within 255 full-width characters.
In the input field 436, an arbitrary character string set by the transmission source user A is input. The sender name can also be a nickname such as a handle name. Enter within 171 full-width characters.
In the selection column 437, “transmission source burden” or “recipient burden” is selected as the fee bearer category.
In the input page 400, when all the items are selected and input within the limited range and the button 440 displayed as "To Confirmation Screen" is clicked, the selected / input information is transmitted to the point management server 10. The

(3-2. Confirmation of input contents)
Returning to FIG. 3, when the input information is received, the point management server 10 transmits a point transmission confirmation page to the user terminal 50a, and causes the transmission source user A to confirm the input content (S310).
When the user terminal 50a receives the confirmation page, the transmission source user A confirms the input content and inputs the password. The confirmed and input information is transmitted from the user terminal 50a to the point management server 10 as point transmission application information.

FIG. 5 illustrates a confirmation page for point transmission.
The confirmation page 500 is transmitted to the user terminal 50a when each item is input as shown in the input page 400 (FIG. 4) and the button 440 displayed as “go to confirmation screen” is clicked. It is a page.

The confirmation page 500 includes a progress status display column 510, a stored point number display column 520, a transmission information confirmation / input column 530, and a button 540.
The progress status display column 510 displays the progress status of the point transmission procedure. Here, “(2) Confirmation of input contents” is highlighted and displayed.
The owned point number display field 520 displays the total number of points owned by the transmission source user A. The contents to be displayed are the same as those in the possession point number display column 420 (FIG. 4).

The transmission information confirmation / input field 530 displays the contents selected / input in the transmission information selection / input field 430 (FIG. 4). The columns 431 to 437 correspond to the columns 531 to 537, respectively.
The display field 538 displays the total number of points used for the transaction at the transmission stage. When “transmission source burden” is designated in the selection column 437 (FIG. 4), the total value of the number of transmission points designated in the designation column 432 (FIG. 4) and the number of points paid as a fee is displayed.
In the input field 539, the member password of the transmission source user A is entered for confirmation.
In the confirmation page 500, when the member password of the transmission source user A is input and the button 540 displayed as “Confirm” is clicked, the confirmed / input information is transmitted to the point management server 10.

(3-3. Acceptance of transmission application)
Returning to FIG. 3, when the point transmission application information is received, the point management server 10 transmits a point transmission completion page to the user terminal 50 a, and indicates that the point user has received the point transmission application and the transaction number. Is notified (S315).
When the user terminal 50a receives the completion page, the transmission source user A confirms the display contents. The point transmission application procedure by the transmission source user A ends here.

FIG. 6 shows an example of the point transmission completion page.
The completion page 600 is a page transmitted to the user terminal 50a when the button 540 displayed as “Confirm” is clicked on the confirmation page 500 (FIG. 5).

The completion page 600 includes a progress status display field 610, a possessed point number display field 620, a transaction number display field 630, and a transmission information display field 640.
The progress status display column 610 displays the progress status of the point transmission procedure. Here, “(3) Application procedure complete” is highlighted.
The possessed point number display field 620 displays the total number of points possessed by the transmission source user A. Here, the number of points obtained by subtracting the total number of points used for the transaction at the transmission stage displayed in the display field 538 (FIG. 5) from the number of retained points before transmission is displayed.
In the transaction number display column 630, the transaction number assigned to the transaction at the transmission stage is displayed together with the fact that the point transmission application has been accepted.
The transmission information display field 640 displays information related to the transaction at the transmission stage.

(3-4. Generation of transaction information)
Returning to FIG. 3, when the completion page is transmitted to the user terminal 50a, the point management server 10 generates transmission transaction information using the transaction number notified to the transmission source user A as a key (S320). The main items of the transmission transaction information are as shown in FIG.
Here, the “corresponding transaction number” of the generated transmission transaction information is left empty.

(3-5. Updating account information)
Subsequently, the point management server 10 updates the account information of the transmission source user A based on the transmission transaction information generated in the previous process (S320) (S325). The main items of the account information are as shown in FIG.
Here, the same number of points as the “number of transaction points” of the original transmission transaction information is subtracted from the “number of available points” of the account information of the transmission source user A, and the same number of points as the “number of transaction points” Is added to the “number of points waiting to be received” in the account information of the transmission source user A to secure a point transmission frame. Further, by adding the “transaction number” of the original transmission transaction information to the “transaction history” of the account information of the transmission source user A, the transmission transaction information is linked to the account information of the transmission source user A.
In addition, when the “transmission bearer category” of the original transmission transaction information is “recipient”, the number of points obtained by deducting the number of points corresponding to the total amount of fees and consumption tax from the “number of transaction points” Is secured as a transmission frame.

(3-6. Point transmission notification / transmission completion notification)
When the above processing is completed, the point management server 10 transmits a point transmission contact mail in which a confirmation URL or the like is described to the user terminal 50b, and notifies the receiving user B that the point has been transmitted from the transmission source user A. (S330a).
At the same time, the point management server 10 transmits a point transmission confirmation email in which the transaction number of the transaction at the transmission stage is described to the user terminal 50a, and notifies the transmission source user A that the point transmission has been completed (S330b). .
The confirmation URL includes a parameter corresponding to the transmission transaction information (for example, encrypted transmission transaction information). Therefore, the point management server 10 that has received the request for the point receiving page can identify the corresponding transmission transaction information from the URL and generate the point receiving page.

FIG. 7A illustrates a contact mail for point transmission. The contact mail 700a is a mail transmitted from the point management server 10 to the user terminal 50b of the receiving user B.
The contact mail 700a includes an address field 710a, a subject field 720a, and a text field 730a.
The destination in the destination column 710a is the mail address of the receiving user B input in the input column 433 (FIG. 4).
In the subject field 720a, a subject that makes it easy to determine that points have been transmitted is described.
The text field 730a describes that the point has been transmitted (731a), that the point can be received if registered as a member (732a), the confirmation URL (733a), and the like.

FIG. 7B illustrates a confirmation email for point transmission. The confirmation mail 700b is a mail transmitted from the point management server 10 to the user terminal 50a of the transmission source user A.
The confirmation mail 700b includes an address field 710b, a subject field 720b, and a text field 730b.
The destination in the destination column 710b is “mail address” of the account information of the transmission source user A.
In the subject field 720b, a subject that makes it easy to determine that the point transmission is confirmed is described.
In the text field 730b, the fact that the transmission of points has been completed (731b), the transaction number (732b), and the like are described.

(4. Points receiving procedure)
The point receiving procedure will be described in detail with reference to the sequence diagram of FIG. 8 and the page mail examples of FIGS.
The following description is an example in which the receiving user B operates the user terminal 50b to receive the points transmitted from the transmission source user A.

  In the sequence diagram of FIG. 8, the receiving user B operates the user terminal 50 b to specify the confirmation URL described in the point transmission contact mail transmitted from the transmission source user A to designate the point management server 10. The flow after accessing is shown. FIG. 8 shows the numbers of other drawings to be referred to.

(4-1. Authentication of recipient user)
As shown in FIG. 8, when there is an access from the user terminal 50b, the point management server 10 transmits a login page for authenticating the receiving side user B to the user terminal 50b, and the receiving side user B to be the point recipient. Is authenticated as a registered member (S805).
When the user terminal 50b receives the login page, the receiving user B inputs the member ID and password. The input information is transmitted from the user terminal 50b to the point management server 10 as a response to the authentication request.

FIG. 9 shows an example of a login page for authenticating the user who receives the points.
The login page 900 is displayed when the receiving user B accesses the point management server 10 by operating the user terminal 50b and specifying the confirmation URL described in the point transmission contact mail transmitted from the transmission source user A. It is a login page transmitted to the user terminal 50b.

The login page 900 includes a progress status display field 910, an authentication request selection field 920, and a member registration request selection field 930.
The progress status display column 910 displays the progress status of the point receiving procedure. Here, “(1) authentication” is highlighted.

In the authentication request selection field 920, notes on receiving points are displayed. When the receiving user B inputs the member ID in the input field 921 and the member password in the input field 922, and clicks the button 923 displayed as "Next", a response to the authentication request is transmitted to the point management server 10. Is done.
In the member registration request selection field 930, a member registration recruitment text or the like is displayed. When the receiving user B clicks a button 931 on which “Registration is here (free)” is clicked, a response to the member registration request is transmitted to the point management server 10 and a predetermined member registration process is started.

(4-2. Selection of answer input / reception)
Returning to FIG. 8, upon receiving a response to the authentication request, the point management server 10 authenticates that the receiving user B is a member, and then transmits a point reception / decline selection page to the user terminal 50b. The receiving side user B is made to select receiving / declining point (S810).
When receiving the points, when the user terminal 50b receives the selection page, the receiving user B inputs the confirmation item answer and selects the point reception. The input confirmation item response is transmitted from the user terminal 50b to the point management server 10 as point reception selection information.

FIG. 10 illustrates a selection page for receiving / declining points.
The selection page 1000 is clicked on the login page 900 (FIG. 9) after the member ID is appropriately input in the input field 921 and the member password is input in the input field 922, and the button 923 displayed as “Next” is clicked. This is a page transmitted from the point management server 10 to the user terminal 50b when it is done.

The selection page 1000 includes a progress status display field 1010, a transmission information display field 1020, a received information input field 1030, and a button 1040a and a button 1040b.
The progress status display column 1010 displays the progress status of the point receiving procedure. Here, “(2) Receipt / decline selection” is highlighted.
The transmission information display field 1020 displays information related to point transmission.

In the receipt information input field 1030, information related to point reception is entered.
In the input field 1031, the answer is input in the lower part according to the classification of the confirmation items displayed in the upper part. Do not ask for input in case of decline.
In the input field 1032, a message transmitted from the receiving user B to the transmission source user A regarding the reception of the points is input. For example, thank you for sending the points, the reason for declining, etc. Enter within 255 full-width characters.

In the selection page 1000, when all items within the limited range are input and the button 1040a displayed as “Accept and accept the terms and conditions” is clicked, the point receiving selection information including the input information is the point It is transmitted to the management server 10.
On the other hand, when the button 1040 b displayed as “Decline” is clicked on the selection page 1000, selection information for point receipt decline including the input information is transmitted to the point management server 10.

(4-3. Confirmation of received contents)
Returning to FIG. 8, when the point reception selection information is received, the point management server 10 confirms that the response of the confirmation item is correct, transmits a point reception confirmation page to the user terminal 50 b, and receives the receiving user. B is made to confirm the received content (S815).
When the user terminal 50b receives the confirmation page, the receiving-side user B confirms the name of the sender, the number of points transmitted, etc., and applies for receiving points. The point receipt application information is transmitted from the user terminal 50b to the point management server 10.

FIG. 11 illustrates a confirmation page for receiving points.
In the confirmation page 1100, when each item is input as shown in the selection page 1000 (FIG. 10) and the button 1040a displayed as “Accept and accept the agreement” is clicked, the point management server 10 Is a page transmitted to the user terminal 50b.

The confirmation page 1100 includes a progress status display column 1110, a transmission information display column 1120, a received information display column 1130, and a button 1140a and a button 1140b.
The progress status display column 1110 displays the progress status of the point receiving procedure. Here, “(3) input content confirmation” is highlighted and displayed.
The transmission information display field 1120 displays information related to point transmission.
The receipt information display field 1130 displays information related to point receipt.

When the button 1140 a displayed as “Confirm receipt” is clicked on the confirmation page 1100, point receipt application information including the confirmed information is transmitted to the point management server 10.
On the other hand, on the confirmation page 1100, when the button 1140b displayed as “Return” is clicked, the screen returns to the selection page 1000 (FIG. 10).

(4-4. Receipt of receipt application)
Returning to FIG. 8, when the point reception application information is received, the point management server 10 transmits a point reception completion page to the user terminal 50 b, indicating that the point-side user B has received the point reception application and the transaction number. Is notified (S820).
When the user terminal 50b receives the completion page, the receiving user B confirms the display contents. The application procedure for receiving points by the receiving user B ends here.

FIG. 12 shows an example of a point reception completion page.
The completion page 1200 is a page transmitted from the point management server 10 to the user terminal 50b when the button 1140a displayed as “confirm receipt” is clicked on the confirmation page 1100 (FIG. 11).

The completion page 1200 includes a progress status display column 1210, a transaction number display column 1220, a transmission information display column 1230, and a receipt information display column 1240.
The progress status display column 1210 displays the progress status of the point receiving procedure. Here, “(4) Application procedure completed” is highlighted.
In the transaction number display column 1220, the transaction number assigned to the transaction at the receiving stage is displayed together with the fact that the application for receiving points is accepted.
The transmission information display field 1230 displays information related to point transmission.
In the received information display field 1240, information related to receiving points is displayed.

(4-5. Generation of receipt transaction information)
Returning to FIG. 8, when the completion page is transmitted to the user terminal 50b, the point management server 10 generates receipt transaction information using the transaction number notified to the receiving user B as a key (S825). The main items of the received transaction information are as shown in FIG.
Here, the transaction number of the corresponding transmission transaction information is input in “corresponding transaction number”. Further, the “reception status” is “reception”.
With the receipt transaction information generation process (S825), the transaction number of the receipt transaction information generated here (S825) is also input to the “corresponding transaction number” of the corresponding transmission transaction information.

(4-6. Updating account information)
Subsequently, the point management server 10 updates the account information of the transmission source user A and the reception side user B based on the transmission transaction information associated with the reception transaction information generated in the previous process (S825). (S830). The main items of the account information are as shown in FIG.
Here, the same number of points as the “transaction points” of the original transmission transaction information is subtracted from the “waiting reception points” of the sender user A's account information, and the same number of points as the “transaction points” Is added to the “number of available points” in the account information of the receiving user B, and the points are transferred. Further, the transaction number assigned to the received transaction information generated in the previous process (S825) is added to the “transaction history” of the account information of the receiving user B.
In addition, when the “transmission bearer category” of the original transmission transaction information is “recipient”, the number of points obtained by deducting the number of points corresponding to the total amount of fees and consumption tax from the “number of transaction points” Will be relocated.

(4-7. Notification of receipt completion)
When the above processing is completed, the point management server 10 transmits a point receipt confirmation mail in which the transaction number of the transmitted transaction information is described to the user terminal 50b, and notifies the receiving user B that point receipt has been completed. (S835a).
At the same time, the point management server 10 transmits a point reception contact mail describing the transaction number of the transmission transaction information to the user terminal 50a, and notifies the transmission source user A that the point reception has been completed (S835b).

FIG. 13A illustrates a confirmation email for receiving points. The confirmation mail 1300a is a mail transmitted from the point management server 10 to the transmission destination mail address of the transmission transaction information. Here, the receiving user B who has received the points receives the confirmation mail 1300a.
The confirmation mail 1300a includes an address field 1310a, a subject field 1320a, and a text field 1330a.
The destination of the destination column 1310a is the “transmission destination email address” (the email address of the receiving user B input by the transmission source user A in the input column 433 (FIG. 4)) of the transmission transaction information.
In the subject line column 1320a, a subject that makes it easy to determine that the point reception has been confirmed is described.
In the text field 1330a, the fact that the point has been received (1331a), the transaction number (1332a) of the transmission transaction information, and the like are described. In addition, the transaction number of the received transaction information may be written together in the text column 1330a.

FIG. 13B illustrates a contact mail for receiving points. The contact mail 1300b is a mail transmitted from the point management server 10 to the user terminal 50a of the transmission source user A.
The contact mail 1300b includes an address field 1310b, a subject field 1320b, and a text field 1330b.
The destination of the destination column 1310b is the “mail address” of the account information of the transmission source user A.
In the subject field 1320b, a subject that makes it easy to determine that the point is received is entered.
In the text field 1330b, the fact that the point has been received (1331b), the transaction number (1332b) of the transmission transaction information, and the like are described.

(5. Processing corresponding to the action of the receiving user)
The processing of the server corresponding to the action of the receiving user after the point transmission will be described in detail using the flowchart of FIG. 14 and the page mail examples of FIGS. 9 to 13 and 15 to 19.
The following description is an example of processing performed by the point management server 10 in response to the following procedures (a) and (b) by the receiving user B.
(A) Application procedure for receiving points (b) Application procedure for withdrawing points

In the flowchart of FIG. 14, as in the sequence diagram of FIG. 8, the user B on the receiving side operates the user terminal 50b, and the confirmation is described in the point transmission contact mail transmitted from the transmission source user A. The flow after accessing the point management server 10 based on URL is shown.
FIG. 14 shows the numbers of other drawings to be referred to. Further, the same processes as those shown in the sequence diagram of FIG. 8 are denoted by the same reference numerals, and detailed description thereof is omitted.

(5-1. Receiving side user authentication and new member registration)
As shown in FIG. 14, when there is an access from the user terminal 50b, the point management server 10 transmits a login page (for example, the login page 900 (FIG. 9)) for authenticating the receiving user B to the user terminal 50b. The receiving user B who should be the point recipient is made to select either login or member registration (S1401).
When the user terminal 50b receives the login page, the receiving user B selects either login or member registration. When login is selected, a member ID and password are entered in advance in a predetermined input field.
When the receiving user B selects login, the user terminal 50b transmits an authentication request response including the member ID and password input by the receiving user B to the point management server 10. On the other hand, when the receiving user B selects member registration, the user terminal 50 b transmits a member registration request response to the point management server 10.

When receiving the response, the point management server 10 determines whether or not the receiving user B is a registered user (member) based on the content of the received response (S1403). Here, it is determined that the member is a member when the response is an authentication request, and is not a member when the response is a member registration request.
When it is determined that the receiving user B is a member (Yes in S1403), the point management server 10 performs a member authentication process for the receiving user B (S805), and determines whether or not the authentication is successful (S1405). ). In the member authentication process, the account information with the member ID included in the response of the authentication request as a key is referred to, and the password included in the response of the authentication request is also verified whether or not it matches the password of the account information. . Here, the account information with the member ID included in the response to the authentication request as a key is registered, and the user is authenticated as a member only when the password is correct. In other cases (No in S1405), for example, an error is separately notified and the member ID and password are input again, and then the member authentication process (S805) for the receiving user B is performed again.
On the other hand, when it is determined that the receiving user B is not a member (No in S1403), the point management server 10 performs a member registration process for the receiving user B (S1410). In the member registration process, after notifying that membership registration is necessary for receiving points, for example, an input page of user information is transmitted to the user terminal 50b to cause the receiving user B to register necessary items.

(5-2. Determination of acceptability)
When the authentication of the receiving user B is successful (Yes in S1405) or when the member registration process (S1410) is completed, the point management server 10 subsequently determines whether or not the target point can be received. Determination is made (S1415). This determination is made based on whether or not the “transmission status” of the transmission transaction information is “waiting for reception”.
When it is determined that the points cannot be received (No in S1415), the point management server 10 transmits a predetermined error page to the user terminal 50b, and the points are received because the expiration date of the confirmation URL has passed. It is notified to the receiving user B that it is impossible (S1420). The process ends here.

Note that it is in the following cases (a) to (d) that the error is notified to the receiving user B that the expiration date of the confirmation URL has passed. The parentheses indicate the “transmission status” of the target transmission transaction information.
(A) When points have been received ("Reception completed" status)
(B) If the point receipt has been declined ("receipt decline" status)
(C) When point transmission has been canceled ("transmission canceled" status)
(D) When the time limit for receiving points has passed ("Return" status)

FIG. 15 illustrates an error page when points cannot be received.
The error page 1500 is a page that is transmitted from the point management server 10 to the user terminal 50b when points cannot be received.
The error page 1500 includes an error display column 1510.
The error display field 1510 displays that the confirmation URL is invalid (1511) and the reason (1512).

(5-3. Determination of response content)
Returning to FIG. 14, on the other hand, when it is determined that the points can be received (Yes in S1415), the point management server 10 sends the point reception / decline selection page (for example, the selection page 1000 (FIG. 10)) and the receiving side user B is selected to receive / decline points (S810).
When the selection page is received, the user terminal 50b responds to the point management server 10 with selection information for reception or decline according to the selection by the receiving user B. Note that the receipt selection information includes a reply of the confirmation item input by the recipient user B.
When the response is received, the point management server 10 determines the content of the received response (S1425).

(5-4. Response to receipt procedure)
When it is determined that the received response is reception selection information (“reception” in S1425), the point management server 10 subsequently determines whether or not the confirmation item answer included in the reception selection information is correct. (S1430).
When it is determined that the answer of the confirmation item is incorrect (answer error) (No in S1430), the point management server 10 subsequently determines whether or not the answer error has continued for a predetermined number of times (S1435). In the present embodiment, the predetermined number of times is set to “10 times”.

When it is determined that the reply mistakes have not been repeated a predetermined number of times (No in S1435), the point management server 10 transmits a predetermined error page to the user terminal 50b, indicating that the reply of the confirmation item is incorrect. (S1440) and the selection of point reception / decline (when receiving is selected, an input of an answer is again requested) (S810).
When the error page is received, the user terminal 50b responds again to the point management server 10 with the selection information of reception or decline according to the selection by the receiving user B. Note that the receipt selection information also includes a confirmation item answer that the recipient user B has input again.
When the response is received again, the point management server 10 determines again the content of the received response (S1425), and proceeds with the subsequent processing.

FIG. 16 illustrates an error page in the case where the confirmation item answer is not correct.
As for the error page 1600, in the selection page 1000 (FIG. 10), the answer of the confirmation item is not input or an incorrect answer is input, and the button 1040a displayed as “Accept and accept the agreement” is clicked. This page is sometimes transmitted from the point management server 10 to the user terminal 50b.
In the case where the receiving user B is about to receive points, after the error page 1600 has already been transmitted to the user terminal 50b, the answer error reaches a predetermined number of times (10 times in the present embodiment). The error page 1600 will be transmitted continuously.

The error page 1600 includes a progress status display column 1610, an error display column 1620, a transmission information display column 1630, a received information input column 1640, and buttons 1650a and 1650b. The basic configuration is the same as that of the selection page 1000 (FIG. 10).
The progress status display column 1610 displays the progress status of the point receiving procedure. Here, “(2) Receipt / decline selection” is highlighted.
The error display field 1620 displays that the input content is incomplete.
The transmission information display field 1630 displays information related to point transmission.
In the receipt information input field 1640, information relating to the receipt of points is displayed. Further, the answer input in the input field 1031 in “10000” (FIG. 10) is displayed as it is, and the location and content of the error are specifically pointed out (1641).

In the error page 1600, when the reply of the confirmation item is input again and the button 1650a displayed as “Accept and accept the agreement” is clicked, the point reception selection information including the input information is sent to the point management server 10. Sent.
On the other hand, on the error page 1600, when the button 1650 b displayed as “Decline” is clicked, selection information for point receipt decline including the input information is transmitted to the point management server 10.

Returning to FIG. 14, on the other hand, in the process of determining whether or not the answer mistakes have continued for a predetermined number of times (S1435), when it is determined that the answer mistakes have continued for a predetermined number of times (Yes in S1435), the point management server 10 receives The provision of the point transmission service to the side user B is stopped (S1445). The process ends here.
At this time, the point management server 10 may transmit a predetermined error page to the user terminal 50b and notify the receiving user B that the provision of the point transmission service is stopped. Further, the process of returning the transmitted “waiting for reception” point to the transmission source user A may be performed together.

On the other hand, in the process of determining whether or not the confirmation item answer is correct (S1430), when it is determined that the confirmation item answer is correct (Yes in S1430), the point management server 10 corresponds to the point receiving procedure. The process proceeds (S815-S835).
The processing corresponding to the point receiving procedure is as described with reference to the sequence diagram of FIG. 8 in “(4. Point receiving procedure)”.

(5-5. Response to receipt withdrawal procedure)
On the other hand, in the process of determining the content of the received response (S1425), when it is determined that the received response is selection information for receipt decline (“decline” in S1425), the point management server 10 The processing corresponding to the procedure proceeds (S1450 to S1470).

(5-5 (1). Confirmation of declining contents)
Upon receipt of the point receipt decline selection information, the point management server 10 transmits a point receipt decline confirmation page to the user terminal 50b, and causes the receiving user B to confirm the decline content (S1450).
When the user terminal 50b receives the confirmation page, the receiving-side user B confirms the name of the sender, the number of points transmitted, and the like, and applies for point withdrawal. The point receipt application information is transmitted from the user terminal 50b to the point management server 10.

FIG. 17 shows an example of a confirmation page for point receipt decline.
The confirmation page 1700 is displayed when the button 1040b displayed as “decline” on the selection page 1000 (FIG. 10) is clicked or when the button 1650b displayed as “decline” on the error page 1600 (FIG. 16). This page is transmitted from the point management server 10 to the user terminal 50b when is clicked.

The confirmation page 1700 includes a progress status display field 1710, a transmission information display field 1720, a received information display field 1730, and a button 1740a and a button 1740b. The basic configuration is the same as that of the confirmation page 1100 (FIG. 11).
The progress status display column 1710 displays the progress status of the point receiving procedure. Here, “(3) input content confirmation” is highlighted and displayed.
The transmission information display field 1720 displays information related to point transmission.
The receipt information display field 1730 displays information related to point receipt. Note that the answer of the confirmation item is not displayed in the received information display field 1730. This is because when the point receipt is declined, an answer to the confirmation item is not requested.

When a button 1740 a displayed as “confirm declining” is clicked on the confirmation page 1700, point receipt application information including the confirmed information is transmitted to the point management server 10.
On the other hand, on the confirmation page 1700, when the button 1740b displayed as “Return” is clicked, the screen returns to the selection page 1000 (FIG. 10) or the error page 1600 (FIG. 16).

(5-5 (2). Acceptance of application for withdrawal of receipt)
Returning to FIG. 14, when receiving the point receipt decline application information, the point management server 10 transmits a point receipt decline completion page to the user terminal 50 b, and the receiving side user B has accepted the point receipt decline application. And a transaction number is notified (S1455).
When the user terminal 50b receives the completion page, the receiving user B confirms the display contents. The application procedure for declining the point receipt by the receiving user B ends here.

FIG. 18 shows an example of the completion page for point withdrawal.
The completion page 1800 is a page that is transmitted from the point management server 10 to the user terminal 50b when the button 1740a displayed as “confirm decline” is clicked on the confirmation page 1700 (FIG. 17).

The completion page 1800 includes a progress status display column 1810, a transaction number display column 1820, a transmission information display column 1830, and a receipt information display column 1840. The basic configuration is the same as that of the completion page 1200 (FIG. 12).
The progress status display column 1810 displays the progress status of the point receiving procedure. Here, “(4) Application procedure completed” is highlighted.
In the transaction number display field 1820, the transaction number assigned to the transaction at the receiving stage is displayed together with the fact that the application for the point receipt decline has been accepted.
The transmission information display field 1830 displays information related to point transmission.
The receipt information display field 1840 displays information related to point receipt.

(5-5 (3). Generation of transaction information)
Returning to FIG. 14, when the completion page is transmitted to the user terminal 50b, the point management server 10 generates received transaction information using the transaction number notified to the receiving user B as a key (S1460). The main items of the received transaction information are as shown in FIG.
Here, the transaction number of the corresponding transmission transaction information is input in “corresponding transaction number”. Further, the “reception status” is set to “decline”.
With this processing, the transaction number of the received transaction information generated here (S1460) is input to the “corresponding transaction number” of the corresponding transmission transaction information.

(5-5 (4). Update of account information)
Subsequently, the point management server 10 updates the account information of the transmission source user A based on the transmission transaction information associated with the receipt transaction information generated in the previous process (S1460) (S1465). The main items of the account information are as shown in FIG.
Here, the same number of points as the “transaction points” of the original transmission transaction information is subtracted from the “waiting reception points” of the sender user A's account information, and the same number of points as the “transaction points” Is added back to the “Available Points” to return the points. Further, the transaction number given to the received transaction information generated in the previous process (S1460) is added to the “transaction history” of the account information of the receiving user B.
In addition, even if the “commission bearer category” of the original transmission transaction information is “recipient”, the number of points obtained by subtracting the number of points corresponding to the total amount of fees and consumption tax from the “number of transaction points” We will return it.

(5-5 (5). Notification of receipt withdrawal completion)
When the above processing is completed, the point management server 10 transmits a point receipt decline confirmation mail in which the transaction number of the transmitted transaction information is described to the user terminal 50b, and notifies the receiving user B that the point receipt decline has been completed. (S1470).
At the same time, the point management server 10 transmits a point receipt decline contact mail in which the transaction number of the transmission transaction information is described to the user terminal 50a, and notifies the sender user A that the point receipt has been declined ( S1470).

FIG. 19A illustrates a confirmation mail for the point receipt decline. The confirmation mail 1900a is a mail transmitted from the point management server 10 to the destination mail address of the transmission transaction information, and is received here by the receiving user B who declined to receive the points.
The confirmation mail 1900a includes an address field 1910a, a subject field 1920a, and a text field 1930a.
The destination of the destination column 1910a is the “transmission destination mail address” (the mail address of the receiving user B input by the transmission source user A in the input column 433 (FIG. 4)) of the transmission transaction information.
In the subject field 1920a, a subject that makes it easy to determine that the point receipt decline has been confirmed is entered.
In the text field 1930a, information indicating that the point withdrawal has been completed (1931a), the transaction number (1932a) of the transmission transaction information, and the like are described. In addition, the transaction number of the received transaction information may be written together in the text column 1330a.

FIG. 19B shows an example of a contact mail for declining point receipt. The contact mail 1900b is a mail transmitted from the point management server 10 to the user terminal 50a of the transmission source user A.
The contact mail 1900b includes an address field 1910b, a subject field 1920b, and a text field 1930b.
The destination in the destination column 1910b is the “mail address” of the account information of the transmission source user A.
In the subject line column 1920b, a subject line that makes it easy to determine that the point receipt is declined is entered.
In the text field 1930b, the fact that the point has been received (1931b), the transaction number (1932b) of the transmission transaction information, and the like are described.

(6. Server processing corresponding to the action of the sender user)
The processing of the server corresponding to the action of the transmission source user after the point transmission will be described in detail using the flowchart of FIG. 20 and the page mail examples of FIGS. 7 and 21 to 28.
The following description is an example of processing performed by the point management server 10 in response to the following procedures (a) and (b) by the transmission source user A.
(A) Application procedure for resending contact email for point transmission (b) Application procedure for canceling point transmission

In the flowchart of FIG. 20, at a time different from the point transmission time, the transmission source user A operates the user terminal 50a to send a transaction history browsing request to the point management server 10 from the top page of the point management service. It shows the flow after.
FIG. 20 shows the numbers of other drawings to be referred to.

(6-1. Authentication of transmission source user)
As shown in FIG. 20, when the transaction history browsing request is received, the point management server 10 transmits a login page for authenticating the transmission source user A to the user terminal 50a, and authenticates the transmission source user A (S2005).
Upon receiving the login page, the user terminal 50a transmits the member ID and password input by the transmission source user A to the point management server 10 as authentication request information.

When the authentication that the transmission source user A is a member is completed from the received authentication request information, the point management server 10 transmits a transaction history list page to the user terminal 50a, and sends a desired transaction history to the transmission source user A. Select (S2010).
When receiving the list page, the user terminal 50a transmits the information of the transmission transaction history selected by the transmission source user A from the transaction history list to the point management server 10 as transaction selection information.

FIG. 21 illustrates a transaction history list page.
The transaction history list page 2100 is displayed on the top page of the point management service when the point history management function is selected by clicking a button or the like displayed as “Point acquisition / use history” from the point management server 10. This page is transmitted to the terminal 50a.

The transaction history list page 2100 includes a transaction history display column 2110.
In the transaction history display column 2110, each transaction history is displayed in a table format. The items to be displayed are “issue date / use date”, “service”, “content”, “point (acquire, use)”, and “status”. About the point transmission or reception information, the detailed page can be displayed by clicking the link displayed as “Details” in the “Remarks” item column.

(6-2. Determination of Transmission Status)
Returning to FIG. 20, when the transaction selection information is received, the point management server 10 reads transmission transaction information corresponding to the received transaction selection information from the transaction information database 12 (S2015).
Subsequently, the point management server 10 determines whether or not the “transmission status” of the read transmission transaction information is “waiting for reception” (S2020).

When it is determined that the “transmission status” is not “waiting for reception” (No in S2020), the point management server 10 transmits a predetermined error page to the user terminal 50a, and is not in a state of waiting for reception, so a point transmission contact mail The transmission source user A is notified that the retransmission / point transmission cannot be canceled (S2025). The process ends here.
At this time, instead of an error page, a transaction history detail page that does not correspond to resending point transmission contact mail or canceling point transmission may be transmitted. The basic configuration of the transaction history detail page is the same as a transaction history detail page 2300 (FIG. 23) described later.

FIG. 22 illustrates an error page when resending / cancellation is impossible.
The error page 2200 is transmitted from the point management server 10 to the user terminal 50a when the link 2112, the link 2113 or the link 2114 displayed as “details” is clicked on the transaction history list page 2100 (FIG. 21). This page.

The error page 2200 includes an error display field 2210.
The error display field 2210 displays that the status is not “waiting for reception” (2211) and that retransmission / cancellation is impossible (2212).

(6-3. Determination of response content)
Returning to FIG. 20, on the other hand, when it is determined that the “transmission status” is “waiting for receipt” (Yes in S2020), the point management server 10 performs a transaction based on the transmitted transaction information corresponding to the received transaction selection information. A history detail page is generated and transmitted to the user terminal 50a (S2030).
Upon receiving the detail page, the user terminal 50a responds to the point management server 10 with selection information for resending the point transmission contact mail or canceling the point transmission according to the selection by the transmission source user A.
When the response is received (S2035), the point management server 10 determines the content of the received response (S2040).

FIG. 23 illustrates a transaction history detail page.
The transaction history detail page 2300 is a page transmitted from the point management server 10 to the user terminal 50a when a link 2111 displayed as “details” is clicked on the transaction history list page 2100 (FIG. 21). .

The transaction history detail page 2300 includes a transmission information display field 2310 and a button 2320.
In the transmission information display field 2310, each item of the transmission transaction information (FIG. 2B) stored in the transaction information database 12 is displayed.
Here, the “number of used points” (2311) is the same as the “number of transaction points” of the transmission transaction information. “(Breakdown transmission point number)” (2312) is the number of points obtained by subtracting “(Breakdown fee)” (2313) from “Used point number” (2311).
Note that the transaction history detail page 2300 is a page that displays each item of transmission transaction information whose status is “waiting for receipt”, so the “reception side message” (2314) is blank.

When the button 2315 a displayed as “Resend mail” is clicked on the transaction history details page 2300, selection information for resending the contact mail for point transmission is transmitted to the point management server 10. On the other hand, when the button 2315 b displayed as “send back” is clicked, selection information for canceling point transmission is transmitted to the point management server 10.
Also, on the transaction history detail page 2300, when a button 2320 displayed as “return to history list” is clicked, the transaction history list page 2100 (FIG. 21) is returned.

(6-4. Retransmission of contact emails for point transmission)
Returning to FIG. 20, in the process of determining the content of the received response (S2040), when it is determined that the received response is selection information for retransmitting the contact mail for point transmission (“mail retransmission” in S2040), point management is performed. The server 10 proceeds with the process corresponding to the procedure for resending the contact mail for point transmission (S2045 to S2055).

(6-4 (1). Confirmation of resending contents)
In FIG. 20, upon receiving selection information for retransmitting the contact mail for point transmission, the point management server 10 transmits a confirmation page for retransmitting the contact mail for point transmission to the user terminal 50a, and the contents of the resend to the source user A. Is confirmed (S2045).
When the user terminal 50a receives the confirmation page, the transmission source user A confirms the retransmission contents. The confirmed information is transmitted from the user terminal 50a to the point management server 10 as application information for resending the contact mail for point transmission.

FIG. 24 illustrates a confirmation page for retransmitting the contact mail for point transmission.
The confirmation page 2400 is a page that is transmitted to the user terminal 50a when the button 2315a displayed as “Resend mail” is clicked on the transaction history detail page 2300 (FIG. 23).

The confirmation page 2400 includes a retransmission content display field 2410, a button 2420a, and a button 2420b.
In the retransmission content display field 2410, information related to point transmission is displayed.
On the confirmation page 2400, when a button 2420 a displayed as “execute retransmission of mail” is clicked, application information for retransmission of contact mail for point transmission is transmitted to the point management server 10. On the other hand, when the button 2420b displayed as “Return” is clicked, the transaction history detail page 2300 (FIG. 23) is returned.

(6-4 (2). Acceptance of resending application)
Returning to FIG. 20, when the point transmission contact mail retransmission request information is received, the point management server 10 transmits a point transmission contact mail retransmission completion page to the user terminal 50a and transmits the point transmission to the transmission source user A. That the request for resending the contact mail is accepted (S2050).
Retransmission of the point transmission contact mail is a procedure for retransmitting the already transmitted point transmission contact mail, and therefore, a new transaction number is not given.
When the user terminal 50a receives the completion page, the transmission source user A confirms the display contents. The application procedure for resending the contact mail for point transmission by the transmission source user A ends here.

FIG. 25 exemplifies a completion page for resending the contact mail for point transmission.
The completion page 2500 is a page that is transmitted to the user terminal 50a when the button 2420a displayed as “execute retransmission of mail” is clicked on the confirmation page 2400 (FIG. 24).

The completion page 2500 includes a retransmission content display field 2510 and a button 2520.
In the retransmission content display field 2510, information related to point transmission is displayed.
When the button 2520 displayed as “return to point transmission details” is clicked on the completion page 2500, the transaction history details page 2300 (FIG. 23) is returned.

(6-4 (3). Re-transmission of contact emails for point transmission)
Returning to FIG. 20, when the above processing is completed, the point management server 10 sends a point transmission contact mail (for example, the contact mail 700 a (FIG. 7A)) with the confirmation URL or the like to the user terminal 50 b. It transmits again and notifies the receiving user B that the point has been transmitted from the transmission source user A (S2055).
At the same time, the point management server 10 transmits again a point transmission confirmation mail (for example, the confirmation mail 700b (FIG. 7B)) in which the transaction number of the transmission transaction information is written to the user terminal 50a, The transmission source user A is notified that the re-transmission of the contact mail has been completed (S2055).
In addition, you may add to the subject column (720a of FIG. 7 (a), 720b of FIG.7 (b)) that it is resending in the subject column of the mail resent.

(6-5. Canceling point transmission)
Returning to FIG. 20, on the other hand, in the process of determining the content of the received response (S2040), when it is determined that the received response is selection information for canceling point transmission (“transmission cancellation” in S2040), the point management server 10 advances processing corresponding to the procedure for canceling point transmission (S2060 to S2075).

(6-5 (1). Confirmation of cancellation details)
In FIG. 20, when the point transmission cancellation selection information is received, the point management server 10 transmits a point transmission cancellation confirmation page to the user terminal 50a, and causes the transmission source user A to confirm the cancellation details (S2060). .
When the user terminal 50a receives the confirmation page, the transmission source user A confirms the content of the cancellation. The confirmed information is transmitted from the user terminal 50a to the point management server 10 as application information for canceling point transmission.

  FIG. 26 illustrates a confirmation page for canceling point transmission. The confirmation page 2600 is a page transmitted to the user terminal 50a when the button 2315b displayed as “Send Back” is clicked on the transaction history detail page 2300 (FIG. 23).

The confirmation page 2600 includes a cancellation content display column 2610, a return content display column 2620, a button 2630a, and a button 2630b.
The cancellation content display field 2610 displays information related to point transmission.
In the return content display column 2620, information on points to be returned to the transmission source user A after the cancellation is confirmed is displayed.

It should be noted that even if the “fee bearer category” of the transmission transaction information is “recipient burden”, the fee is charged to the sender user A in the case of return. Therefore, the number of return points (2622) is calculated from the fee (2612) to be borne by the transmission source user A or the fee (2612) to be borne by the receiving user B from the “number of used points” (2611). 2621) is deducted.
On the confirmation page 2600, when a button 2630 a displayed as “Execute Send Back” is clicked, application information for canceling point transmission is transmitted to the point management server 10. On the other hand, when the button 2630b displayed as “Return” is clicked, the transaction history details page 2300 (FIG. 23) is displayed.

(6-5 (2). Application for cancellation application)
Returning to FIG. 20, when the point transmission cancellation application information is received, the point management server 10 transmits a point transmission cancellation cancellation page to the user terminal 50a, and accepts the point transmission cancellation application to the transmission source user A. (S2065).
When the user terminal 50a receives the completion page, the transmission source user A confirms the display contents. The application procedure for canceling point transmission by the transmission source user A ends here.

FIG. 27 illustrates a point transmission cancellation completion page.
The completion page 2700 is a page that is transmitted to the user terminal 50a when the button 2630a that is displayed as “execute return” is clicked on the confirmation page 2600 (FIG. 26).

The completion page 2700 includes a cancellation content display field 2710 and a button 2720.
In the cancellation content display column 2710, information regarding the transmission of points and information of points returned to the transmission source user A are displayed.
When the button 2720 displayed as “return to point transmission details” is clicked on the completion page 2700, the transaction history details page 2300 (FIG. 23) is returned.

(6-5 (3). Update of transaction information / update of account information)
Returning to FIG. 20, subsequently, the point management server 10 updates the “transmission status” of the transmission transaction information related to the cancellation to “transmission cancellation” (S2070).
Further, the account information of the transmission source user A is updated based on the transaction information relating to the cancellation (S2070). The main items of the account information are as shown in FIG.
Here, the same number of points as the “transaction points” of the transmission transaction information related to the cancellation is subtracted from the “number of points waiting for reception” of the account information of the transmission source user A, and the same number of points as the “transaction points” is also obtained. By adding to the “Available Points”, the points are returned.
In addition, even if the “commission bearer category” of the original transaction information is “recipient”, the number of points obtained by subtracting the number of points equivalent to the total amount of fees and consumption tax from the “number of transaction points” I will return it.

(6-5 (4). Notification of completion of cancellation procedure)
When the above processing is completed, the point management server 10 transmits a confirmation email for canceling point transmission in which the transaction number and the like of the transmitted transaction information are described to the user terminal 50a, indicating that the transmission of points has been canceled. A is notified (S2075).
At the same time, the point management server 10 transmits a point transmission cancellation contact mail describing the transaction number of the transmission transaction information to the user terminal 50b and notifies the receiving user B that the transmission of points has been canceled ( S2075).

FIG. 28A illustrates a confirmation email for canceling point transmission. The confirmation mail 2800a is a mail transmitted from the point management server 10 to the user terminal 50a of the transmission source user A.
The confirmation mail 2800a includes an address field 2810a, a subject field 2820a, and a text field 2830a.
The destination of the destination column 2810a is the “mail address” of the account information of the transmission source user A.
The subject field 2820a describes a subject that makes it easy to determine that the point transmission cancellation is confirmed.
The text field 2830a describes the cancellation of point transmission (2831a), the transaction number of transmission transaction information (2832a), and the like.

FIG. 28B illustrates a contact mail for canceling point transmission. The contact mail 2800b is a mail transmitted from the point management server 10 to the user terminal 50b of the receiving user B.
The contact mail 2800b includes an address field 2810b, a subject field 2820b, and a text field 2830b.
The destination in the destination column 2810b is the mail address of the receiving user B input in the input column 433 (FIG. 4).
In the subject field 2820b, a subject that makes it easy to determine that the point transmission is cancelled is described.
The text field 2830b describes that cancellation of point transmission has been completed (2831b), the transaction number of transmission transaction information (2832b), and the like.

(7. Processing of “Waiting for receipt” transaction information)
The processing of the server corresponding to the transaction information in the reception waiting state will be described in detail with reference to the flowchart in FIG. 29 and the mail examples in FIGS.
The following description is an example of the following processes (a) and (b) performed by the point management server 10 periodically starting with respect to transmission transaction information in the “waiting for receipt” state for a certain period.
(A) Retransmission of contact mail for point transmission (b) Send back points

Note that the flowchart of FIG. 29 shows a flow in the case of collectively processing transmission transaction information whose transmission status is “waiting for receipt”. In this embodiment, batch processing is performed once a day.
FIG. 29 shows the numbers of other drawings to be referred to.

(7-1. Search for transaction information to be processed)
As shown in FIG. 29, the point management server 10 searches the transaction information database 12 for transmission transaction information whose “transmission status” is “waiting for receipt”, and sequentially reads them (S2905).
Note that transmission transaction information whose “transmission status” is not “waiting for receipt” is excluded because the attribution of points is confirmed.

(7-2. Retransmission of contact mail for point transmission)
Subsequently, the point management server 10 determines whether or not the transmission transaction information read from the transaction information database 12 corresponds to the day when a predetermined number of days have elapsed from the transmission date (the reception date of the transmission application information) (S2910). In the present embodiment, the predetermined number of days is set to “30 days”.
As described above, the transaction number is given in the format of “[identifier] − [year / month / day (yyyymmdd)] − [number]”. Accordingly, the transmission date of each transmission transaction information (the reception date of transmission application information) can be specified based on the transaction number.

When it is determined that the predetermined number of days has passed since the transmission date (Yes in S2910), the point management server 10 sends a point transmission contact mail (for example, the contact mail 700a (FIG. ))) Is transmitted again to the user terminal 50b, and the recipient user B is notified again that the point has been transmitted from the transmission source user A (S2915).
At the same time, the point management server 10 transmits again a point transmission confirmation mail (for example, the confirmation mail 700b (FIG. 7B)) in which the transaction number of the transmission transaction information is written to the user terminal 50a, The sender user A is notified that the contact mail has been retransmitted (S2915). The processing of the transmission transaction information ends here.

(7-3. Send back points)
On the other hand, when it is determined that the predetermined number of days has not passed since the transmission date (No in S2910), the point management server 10 does not perform the retransmission processing of the point transmission contact mail, It is determined whether or not the receipt deadline has passed (S2920). In this embodiment, since the reception period is set to “45 days from the transmission date”, the reception deadline is the date corresponding to “the 45th day from the transmission date”.
In addition, the transmission date of each transmission transaction information is specified based on a transaction number similarly to the case of "(7-2. Retransmission of contact mail of point transmission)".

When it is determined that the receipt deadline has passed (Yes in S2920), the point management server 10 updates the transmission transaction information (S2925). Here, the “transmission status” of the transmission transaction information is updated to “send back”.
Further, based on the transmission transaction information, the account information of the transmission source user A is updated (S2925). Here, the same number of points as the “transaction points” of the transmission transaction information is subtracted from the “waiting points” of the account information of the sender user A, and the same number of points as the “transaction points” is also used. By adding to the “number of possible points”, the points are returned.
In addition, even if the “commission bearer category” of the transmission transaction information is “recipient”, the number of points obtained by deducting the number of points corresponding to the total amount of fees and consumption tax from the “number of transaction points” will be returned. And

When the point return process is completed, the point management server 10 transmits a point return contact mail in which the transaction number of the transmitted transaction information is described to the user terminal 50a, and notifies the sender user A that the points have been returned. (S2930).
On the other hand, when it is determined that the receipt deadline has not elapsed (No in S2920), the point management server 10 ends the process without performing the point return process.

FIG. 30 exemplifies a contact mail for returning points. The contact mail 3000 is a mail transmitted from the point management server 10 to the user terminal 50a of the transmission source user A.
The contact mail 3000 includes an address field 3010, a subject field 3020, and a text field 3030.
The destination of the destination column 3010 is the “mail address” of the account information of the transmission source user A.
In the subject line column 3020, a subject line that makes it easy to determine that it is point return notification is entered.
In the text field 3030, the fact that the point return has been completed (3031), the transaction number (3032) of the transmission transaction information, and the like are described.

<Description of other usage example 1>
In the above <Description of this embodiment>, the transmission source user A transfers his / her points to the receiving user B by sending a point transmission contact mail using the system of this embodiment. An example of
On the other hand, if the system of the present embodiment is used, the receiving side user B contacts the point transmission that applied for transmission on the assumption that the receiving side user A receives the receiving side user C as a third party. When the mail (for example, the contact mail 700a (FIG. 7A)) is forwarded from the receiving user C, the transmission source user A sends the mail to the receiving user C in the same procedure as the above point receiving procedure. You can receive the points you sent.
Thereby, the distribution of points can be improved. In this case as well, points can be transferred between the transmission source user A and the reception side user B without transmitting any information that can specify an individual to the other party.

On the other hand, in this case, the destination of the point receipt confirmation mail (for example, confirmation mail 1300a (FIG. 13 (a))) is the “transmission destination mail address” (for example, transmission source user A input field) 433 (the mail address of the receiving user C input to 433 (FIG. 4)). Therefore, after the completion of the reception of the points, this confirmation mail is received not by the receiving user B who actually received the points, but by the receiving user C that the transmission source user A assumed to receive the points. become. As a result, the receiving user C can confirm the fact that the points have been received.
However, the receiving user C specifies the user who actually received the point, unless the user who actually received the point entered that he / she received the point in the message field in the point receiving procedure. I can't. Therefore, by transferring the point transmission contact mail, the same effect as the transfer of points can be obtained between the receiving user C and the receiving user B who are parties of the transfer while ensuring anonymity. .

<Description of other use example 2>
In the above <Description of this embodiment>, the transmission source user A transfers his / her points to the receiving user B by sending a point transmission contact mail using the system of this embodiment. An example of
On the other hand, if the system of this embodiment is used, the transmission source user A designates the mail address of the mailing list as the transmission destination of the point transmission contact mail (for example, the contact mail 700a (FIG. 7A)). This makes it possible to send a point transmission contact mail to a large number of recipient users at once. The receiving side user B who has received this contact mail has the same procedure as the above point receiving procedure only if he / she completes the point receiving procedure before any other user who has also received this contact mail. You can receive points.
Thereby, the system of this embodiment can be utilized for the campaign with a quiz type prize, etc., for example. In this case as well, points can be transferred between the transmission source user A and the reception side user B without transmitting any information that can specify an individual to the other party.

On the other hand, in this case, the destination of the point receipt confirmation mail (for example, confirmation mail 1300a (FIG. 13 (a))) is the “transmission destination mail address” (for example, transmission source user A input field) 433 (the mail address of the mailing list input in FIG. 4). For this reason, all members of the mailing list will receive this confirmation email after receiving points. As a result, the transmission source user A can share the fact that the points have been received without any special operation (for example, the fact that the campaign has ended in the above-described campaign) to all the members of the mailing list. Can be notified.
However, each member of the mailing list may specify the user who actually received the point unless the user who actually received the point entered that he / she received the point in the message field in the point receiving procedure. Can not. Therefore, anonymity can be secured even among members registered in the same mailing list.

<Description of Other Embodiment 1>
In the above-described embodiment, the receiving side user B applying for receiving points is requested to input an answer to the confirmation item set by the transmission source user A.
On the other hand, the receiving user B who requests to receive points may alternatively select a confirmation item category and then request input of an answer for the selected confirmation item.

In the case of realizing this embodiment, the point management server 10 determines the classification (“recipient name”, “recipient name”, “chosen”) arbitrarily selected by the transmission source user A in the process of receiving a response (S810 in FIG. 14). Assume that the recipient user B selectively selects “order number” or “recipient mobile phone number” and then inputs an answer for the selected confirmation item. This is realized, for example, by displaying the category of the confirmation item as an option using a radio button or the like in the input field 1031 of the selection page 1000 (FIG. 10).
In addition, the user terminal 50b responds to the point management server 10 by including the pair of the selected category and the input answer in the point reception selection information. Then, the point management server 10 determines whether or not the pair of the alternatively selected category and the input answer is correct in the process of determining whether or not the answer of the confirmation item is correct (S1430 in FIG. 14). Determine.
As a result, the transmission source user A can transmit points to the receiving user B who knows the combination of the confirmation item classification and the answer. As a result, the security of point transmission can be increased.

<Description of Other Embodiment 2>
In the above-described embodiment, the transmission source user A applying for the transmission of points is requested to set a reply after selecting a confirmation item category.
On the other hand, the transmission source user A applying for the transmission of points may be allowed to input a certain character string as a confirmation item category and then ask for the setting of an answer for the input confirmation item.

In the case of realizing this embodiment, in the process of setting the confirmation item response (S305 in FIG. 3), the transmission source user A is allowed to input the confirmation item classification, and then the confirmation item answer setting is input. Is determined. This is realized, for example, by adding one radio button for selecting a confirmation item category in the selection field 434a of the input page 400 (FIG. 4) and making the name of the category a text box.
In addition, the user terminal 50a transmits the set of the selected category and the input answer to the point management server 10 by including it in the point transmission application information. Then, the point management server 10 sets the “confirmation item category” of the transmission transaction information as the inputted category in the process (S320 of FIG. 3) for generating the transmission transaction information, To do.

Further, in the process of receiving a response (S810 in FIG. 14), the receiving user B is requested to input the confirmation item classification and then to input the confirmation item answer. This is realized, for example, by providing an input field such as a text box in the confirmation item category in the input field 1031 of the selection page 1000 (FIG. 10).
In addition, the user terminal 50b responds to the point management server 10 by including the set of the input classification and the answer in the selection information for receiving points. Then, the point management server 10 determines whether or not the set of the input category and the input answer is correct in the process of determining whether or not the answer of the confirmation item is correct (S1430 in FIG. 14).
As a result, the transmission source user A can make the receiving user B who knows the set of the confirmation item classification and the answer set by himself / herself receive the points. As a result, point transmission security can be further increased.

<Description of Modification of Other Embodiment 2>
Note that the process of receiving a response (S810 in FIG. 14) in the other embodiment 2 described above can be modified to a process for requesting an input of an answer for a confirmation item category displayed in advance. This is realized, for example, by displaying in advance the confirmation item classification set by the transmission source user A in the input field 1031 of the selection page 1000 (FIG. 10).
If this modification is used, for example, the sender user A sets the question text as the confirmation item classification and the answer to the question as the confirmation item answer, so that the receiving user B answers the question. You can enter the answer of the confirmation item in the format.

It is a figure which shows the structural example of the system of embodiment. It is a figure which shows the main items of (a) account information, (b) transmission transaction information, and (c) receipt transaction information. It is a sequence diagram which shows the transmission procedure of a point. It is a figure which shows the example of the input page of the item required for transmission of a point. It is a figure which shows the example of the confirmation page of transmission of a point. It is a figure which shows the example of the completion page of transmission of a point. It is a figure which shows the example of the contact mail of (a) point transmission, and the confirmation mail of (b) point transmission. It is a sequence diagram showing a point receiving procedure. It is a figure which shows the example of the login page which authenticates the user of the point receiving side. It is a figure which shows the example of the selection page of receipt / decline of a point. It is a figure which shows the example of the confirmation page of receipt of points. It is a figure which shows the example of the completion page of reception of a point. It is a figure which shows the example of the confirmation mail of (a) point reception, and the contact mail of (b) point reception. It is a flowchart which shows the flow of a point reception process / decline process. It is a figure which shows the example of an error page when reception of a point is impossible. It is a figure which shows the example of the error page when the reply of a confirmation item is not correct. It is a figure which shows the example of the confirmation page of point receipt decline. It is a figure which shows the example of the completion page of the receipt decline of a point. It is a figure which shows the example of the confirmation mail of (a) point receipt decline, and the contact mail of (b) point receipt decline. It is a flowchart which shows the flow of the resending process of the contact mail of point transmission / the cancellation process of point transmission. It is a figure which shows the example of the list page of a transaction history. It is a figure which shows the example of an error page when "transmission status" is not "waiting for reception". It is a figure which shows the example of the detailed page of a transaction history. It is a figure which shows the example of the confirmation page of resending of the contact mail of point transmission. It is a figure which shows the example of the completion page of resending of the contact mail of point transmission. It is a figure which shows the example of the confirmation page of cancellation of point transmission. It is a figure which shows the example of the completion page of cancellation of point transmission. It is a figure which shows the example of the confirmation mail of (a) point transmission cancellation, and the contact mail of (b) point transmission cancellation. It is a flowchart which shows the flow of processing of the cancellation information in a "waiting for receiving process" state. It is a figure which shows the example of the contact mail of point return.

Explanation of symbols

10 point management server 11 account information database 12 transaction information database 20 bank system 30 virtual shopping mall management system 40 network 41 leased line 42 leased line 50a user terminal 50b user terminal 400 Item input page necessary for sending points 500 Sending points Confirmation page 600 Point transmission completion page 700a Point transmission notification mail 700b Point transmission confirmation mail 900 Login page for authenticating the user receiving the point 1000 Point reception / decline selection page 1100 Point reception confirmation page 1200 point receipt completion page 1300a Point receipt confirmation email 1300b Point receipt contact email 1500 Error page 1600 when point cannot be received Confirmation section Error page 1700 when point answer is incorrect 1800 point receipt decline confirmation page 1800 point receipt decline confirmation page 1900a point receipt decline confirmation email 1900b point receipt decline contact email 2100 Transaction history list page 2200 "Transmission status" Page 2300 Transaction history details page 2400 Confirmation of resending contact email for point transmission 2500 Completion of resending contact email for sending point 2600 Confirmation of canceling point transmission page 2700 Cancellation completion page 2800a Confirmation email for canceling point transmission 2800b Contact email for canceling point transmission 3000 Contact email for returning points

Claims (15)

Transfer processing of points between users who access the system via a terminal by a point management system that manages points representing monetary values acquired by transactions,
Point number information storage means for storing the number of available points held by the user and the number of points waiting to be received for each user;
Point transfer information storage means for storing information relating to transfer of points;
Point transfer information input page transmitting means for transmitting a point transfer information input page for inputting point transfer information to the terminal of the point transmission source user in response to a request from the terminal of the point transmission source user who transmits the point;
Point transfer including at least the number of transfer points, a destination mail address of a point transfer notification mail that notifies the transfer of points, and an answer to a confirmation item set by the point transmission source user, which are input on the point transfer information input page Point transfer information receiving means for receiving information from the point transmission source user's terminal and storing it in the point transfer information storage means;
The number of transfer points included in the received point transfer information is subtracted from the number of points available to the point transmission source user stored in the point number information storage means and added to the number of points waiting to be received Means,
When the number of transfer points has been secured, a point transfer notification mail that at least describes a URL specifying a point receiving page for receiving the secured points is generated, and transmitted in the received point transfer information Point transfer notification email sending means to send to the destination email address,
In response to a transmission request for the point receipt page specified by the URL described in the point transfer notification mail from the user's terminal, the point transfer information corresponding to the transmission request read from the point transfer information storage means is also stored. A point receiving page transmitting means for generating a point receiving page and transmitting it to the terminal of the user;
A point receiving page for receiving, from the terminal of the receiving user who receives the reserved points, the reception information of the reserved points including the confirmation item answer set by the point transmission source user via the point receiving page Response receiving means,
Confirmation for determining whether or not the response of the confirmation item included in the received information is correct based on the point transfer information corresponding to the received information read from the point transfer information storage means when the received information is received Item determination means;
The point transmission storing the transfer point number of the point transfer information corresponding to the received information read from the point transfer information storage unit when the answer of the confirmation item is correct is stored in the point number information storage unit Point transfer means for subtracting from the number of points waiting to be received by the original user and adding to the number of points available to the point receiving user, and the points are transferred between the point transmitting user and the point receiving user. Point management system characterized by relocation. In the point management system according to claim 1,
The point is a point issued by equivalent exchange with real money,
The point management system, wherein the point securing means excludes points other than points issued by equivalent exchange with real money. In the point management system according to claim 1 or 2,
Furthermore, a member authentication means for authenticating that the user is a registered member is provided.
When the point transmission source user is not a member, the point transfer information input page transmitting means does not transmit the point transfer information input page,
When the user is not a member, the point receiving page transmitting means does not transmit the point receiving page. In the point management system in any one of Claims 1-3,
When the confirmation item determination means determines that the response of the confirmation item included in the received receipt information is not correct, the point receipt page transmission means transmits the point receipt page again,
The point receipt page transmission means does not transmit the point receipt page when the confirmation item determination means continuously determines that the reply of the confirmation item included in the received receipt information is not correct a predetermined number of times. Point management system. In the point management system in any one of Claims 1-4,
The point receiving page response receiving means further receives, via the point receiving page, the reserved point reception decline information from the terminal of the point receiving side user,
When the point receiving page response receiving means receives the receipt decline information, the point transfer means determines the number of transfer points of the point transfer information corresponding to the receipt decline information read from the point transfer information storage means, as described above. A point management system characterized by subtracting from the number of points waiting to be received by the point transmission source user stored in the point number information storage means and adding it to the number of available points. In the point management system according to any one of claims 1 to 5,
Further, in response to a transmission request from the terminal of the point transmission source user, a point transfer information browsing page is generated based on the point transfer information corresponding to the transmission request read from the point transfer information storage means, and the point Point transfer information browsing page transmission means for transmitting to the terminal of the transmission source user,
Via the point transfer information browsing page, the point transfer information browsing page response receiving means for receiving retransmission information of the point transfer notification mail from the terminal of the point transmission source user,
The point management system, wherein when the response receiving means of the point transfer information browsing page receives the retransmission information, the point transfer notification mail transmitting means transmits the point transfer notification mail again. In the point management system according to claim 6,
The point transfer information browsing page response receiving means further receives the point transfer cancellation information from the point transmission source user's terminal via the point transfer information browsing page,
When the response receiving unit of the point transfer information browsing page receives the cancellation information, the point transfer unit determines the number of transfer points of the point transfer information corresponding to the cancellation information read from the point transfer information storage unit, A point management system characterized by subtracting from the number of points waiting to be received by the point transmission source user stored in the point number information storage means and adding it to the number of available points. In the point management system according to claim 6 or 7,
The point transfer information stored in the point transfer information storage means further includes status information indicating the progress of the point transfer process,
Whether the point transfer information browsing page transmission means is in a state in which points can be received based on the status information of the point transfer information corresponding to the transmission request of the point transfer information browsing page read from the point transfer information storage means And the point transfer information browsing page is not transmitted when it is determined that the point cannot be received. In the point management system according to claim 8,
The point receipt page transmission means determines whether or not a point can be received based on the status information of the point transfer information corresponding to the point receipt page transmission request read from the point transfer information storage means. The point management system does not transmit the point receiving page when it is determined that the point cannot be received. In the point management system according to claim 8 or 9,
The point transfer information receiving means adds to the received point transfer information further information on the date of reception of the point transfer information and stores it in the point transfer information storage means,
The point transfer notification mail transmitting means reads point transfer information in a state in which points can be received from the point transfer information storage means based on the status information, and the point transfer information based on the received date information. When it is determined whether or not a predetermined number of days have elapsed since the date of reception of the transfer information, and when it is determined that the predetermined number of days have elapsed since the reception date of the point transfer information, a point transfer notification corresponding to the point transfer information A point management system characterized by re-sending mail. In the point management system according to claim 10,
The point transfer means reads point transfer information in a state in which points can be received from the point transfer information storage means based on the status information, and the time limit for receiving points is based on the reception date information. The number of transfer points of the point transfer information that has been determined whether or not the time limit has passed, and that the time limit for receipt read from the point transfer information storage means has passed, Is subtracted from the number of points waiting to be received by the point transmission source user stored in the point number information storage means and added to the number of available points. In the point management system according to any one of claims 1 to 11,
The point management system is characterized in that the confirmation item answer is a set of a confirmation item category selected by the point transmission source user and the answer set by the point transmission source user. In the point management system according to claim 12,
The confirmation item classification is a confirmation item classification set by the point transmission source user. A method of transferring points between users accessing a system via a terminal by a point management system that manages points representing monetary value acquired by a transaction,
Point number information storage means for storing the number of available points held by the user and the number of points waiting to be received for each user;
Point transfer information storage means for storing information relating to transfer of points;
In response to a request from the terminal of the point transmission source user who transmits the point, a point transfer information input page for transmitting the point transfer information input page for inputting the point transfer information to the terminal of the point transmission source user, and
Point transfer including at least the number of transfer points, a destination mail address of a point transfer notification mail that notifies the transfer of points, and an answer to a confirmation item set by the point transmission source user, which are input on the point transfer information input page Point transfer information receiving step for receiving information from the terminal of the point transmission source user and storing it in the point transfer information storage means;
The number of transfer points included in the received point transfer information is subtracted from the number of points available to the point transmission source user stored in the point number information storage means and added to the number of points waiting to be received Steps,
When the number of transfer points has been secured, a point transfer notification mail that at least describes a URL specifying a point receiving page for receiving the secured points is generated, and transmitted in the received point transfer information Point transfer notification email sending step to send to the destination email address;
In response to a transmission request for the point receipt page specified by the URL described in the point transfer notification mail from the user's terminal, the point transfer information corresponding to the transmission request read from the point transfer information storage means is also stored. Generating a point receiving page and transmitting the point receiving page to the terminal of the user;
A point receiving page for receiving, from the terminal of the receiving user who receives the reserved points, the reception information of the reserved points including the confirmation item answer set by the point transmission source user via the point receiving page The response receiving step of
Confirmation for determining whether or not the response of the confirmation item included in the received information is correct based on the point transfer information corresponding to the received information read from the point transfer information storage means when the received information is received An item determination step;
The point transmission storing the transfer point number of the point transfer information corresponding to the received information read from the point transfer information storage unit when the answer of the confirmation item is correct is stored in the point number information storage unit A point transfer step of subtracting from the number of points waiting to be received by the original user and adding to the number of points available to the point receiving user, and a point is transferred between the point transmitting user and the point receiving user. A point transfer method characterized by transferring.   The program for making a computer implement | achieve each means of the point management system in any one of Claims 1-13 as a function.