JP2019021111A - Information processing device, information processing method, information processing program, terminal and information processing system - Google Patents

Abstract

To facilitate an input procedure of transfer information by a recipient.SOLUTION: An information processing device includes: registration request reception means for receiving a registration request mail for requesting registration of transfer information including remittance destination information of remittance from a remittee receiving the remittance to an address for remittance linked to a remittance source account to be a payment source of the remittance from a remitter; input form transmission means for transmitting an input form for receiving an input of transfer information to a terminal of the remittee; and transfer information registration means for receiving the transfer information inputted in the input form from the terminal, and registering the transfer information in a storage part.SELECTED DRAWING: Figure 8

Description

  The present invention relates to an information processing apparatus, an information processing method, an information processing program, a terminal, and an information processing system.

  In transactions such as payment of goods or services, the sender may transfer information between accounts by entering information such as the destination account, the amount of money to be transferred to ATM (Automated Teller machine) or Internet banking. is there. On the other hand, techniques for simplifying remittance procedures (for example, see Non-Patent Document 1 and Patent Document 1), techniques for suppressing erroneous remittance (for example, see Patent Document 2), and the like have been proposed.

“Easy transfer (mermane)”, [online], Rakuten Bank, Ltd. [searched on May 23, 2017], Internet <URL: https://www.rakuten-bank.co.jp/transfer/mailmoney/>

JP 2003-263666 A JP 2014-194646 A

  Even if the remittance procedure from the sender is simplified or the erroneous remittance is suppressed, an error occurs on the receiver side in the procedure from accepting the order for goods or services until the sender is charged. There is a case. For example, when a recipient receives a plurality of orders for the same product or the like, it is possible that a billing destination is wrong or transaction information such as an amount of money is wrongly entered.

  SUMMARY OF THE INVENTION An object of the present invention is to facilitate a procedure for inputting transfer information by a recipient.

  In order to solve the above-described problem, in the present invention, when the information processing apparatus receives a registration request mail addressed to a remittance address linked to a remittance source account, an information form is input to the recipient's terminal to accept input of transfer information. We decided to register the transfer information that was sent and entered in the storage.

  More specifically, the present invention relates to an information processing apparatus, which is a remittance destination of remittance from a recipient who receives remittance to a remittance address linked to a remittance source account that is a payment source of remittance from the remittance. Registration request acceptance means for receiving registration request mail requesting registration of transfer information including information, input form transmission means for sending input of transfer information to the recipient's terminal, input to the input form Transfer information registration means for receiving the transfer information from the terminal and registering the transfer information in the storage unit.

When the above information processing apparatus receives a transfer information registration request mail from the recipient to the remittance address linked to the sender's remittance source account, the input form accepts the input of the transfer information to the sender To the recipient's terminal. The input form is, for example, a URL (Uniform) described in an email sent from the information processing apparatus to the sender of the registration request email.
It is an input screen displayed by clicking (Resource Locator). Further, the input form may be a mail in which the recipient inputs the transfer information and returns a reply to the mail transmitted from the information processing apparatus to the transmission source of the registration request mail. The recipient can display a transfer information input form for the sender on the recipient's terminal by a simple procedure of sending a registration request mail. This makes it easy for the recipient to input the transfer information. The remittance address is linked to the sender's remittance source account, and an input form for entering the transfer information for the sender is displayed on the recipient's terminal. Registering transfer information for a person can be suppressed.

  Further, the transfer information may include transaction information related to remittance. The transaction information is, for example, information related to an order for goods or the like from the sender to the recipient. Since the payee can confirm the transaction information included in the transfer information and can input the remittance destination information, it is possible to prevent the transfer information from being registered with an incorrect remittance person.

  Further, the transfer information registration means may notify the sender of the transfer information stored in the storage unit. If it is said transfer information registration means, a remittance person can recognize that execution of a transfer procedure was attained by notifying a remittance person that transfer information was registered.

  Further, the transfer information registration means may display the transfer information registered in the storage unit on the remittance terminal where the procedure is executed when the sender starts the procedure for the remittance source account. If it is said transfer information registration means, the remittance person can confirm the transfer information registered in the information processing apparatus when starting the procedure for the remittance source account at the remittance terminal. The remittance terminal is, for example, a terminal or ATM that can use Internet banking. The information processing apparatus may execute a transfer procedure based on the transfer information approved by the sender.

  The present invention can also be understood from a method aspect. For example, according to the present invention, the transfer information including the remittance destination information of the remittance is received from the recipient who receives the remittance to the remittance address linked to the remittance source account from which the remittance from the remittance is made. A registration request reception step for receiving a registration request email for requesting registration, an input form transmission step for transmitting an input form for receiving input of transfer information to the recipient's terminal, and the transfer information input in the input form from the terminal It may be an information processing method that executes a transfer information registration step of receiving and registering the transfer information in a storage unit.

  The present invention can also be understood from the aspect of a computer program. For example, the present invention provides a computer with transfer information including remittance destination information from a recipient who receives remittance to a remittance address linked to a remittance source account that is a payment source of remittance from the remittance. A registration request reception step for receiving a registration request email for requesting registration, an input form transmission step for transmitting an input form for receiving input of transfer information to the recipient's terminal, and the transfer information input in the input form from the terminal It may be an information processing program that receives and executes a transfer information registration step of registering the transfer information in a storage unit.

  Moreover, this invention can also be caught from the side surface of a terminal. For example, the present invention provides a remittance accepting means for accepting notification of a remittance address associated with a remittance source account that is a payment source of remittance from a remittance person, and transfer including remittance destination information to the remittance address. Registration request means for requesting registration of information, registration request means for sending the registration request mail, input form receiving means for receiving input of transfer information, input form receiving means for receiving from the server, and transfer information entered in the input form are sent to the server And a transfer information transmitting means.

The present invention can also be understood from the aspect of the system. For example, the present invention is an information processing system including a server and a recipient's terminal that receives a remittance from a sender, and the server is for remittance associated with a remittance source account that is a payment source of remittance. A registration request acceptance means for receiving registration request mail for requesting registration of transfer information including remittance destination information from the recipient to the address, and an input form for transmitting the input of the transfer information to the terminal A transfer means, a transfer information registration means for receiving the transfer information input in the input form from the terminal, and registering the transfer information in the storage unit, the terminal is a remittance accepting means for receiving notification of a remittance address; A registration request means for sending a registration request mail to the remittance address, an input form receiving means for receiving the input form from the server, and the transfer information entered in the input form. Comprising a transfer information transmitting means for transmitting to the server, and may be an information processing system.

  According to the present invention, it is possible to facilitate a procedure for inputting transfer information by a recipient.

FIG. 1 is a diagram illustrating a configuration of an information processing system. FIG. 2 is a diagram illustrating a hardware configuration of the server. FIG. 3 is a diagram illustrating a hardware configuration of the terminal. FIG. 4 is a diagram illustrating a functional configuration of the server. FIG. 5 is a diagram illustrating an example of a remittance address table. FIG. 6 is a diagram illustrating an example of the transfer information table. FIG. 7 is a diagram illustrating a functional configuration of the terminal. FIG. 8 is a diagram illustrating an overall processing flow of the information processing system according to the embodiment. FIG. 9 is a diagram illustrating a transfer information registration request screen. FIG. 10 is a diagram illustrating an example of a transfer information registration request mail. FIG. 11 is a diagram illustrating an input form transmission mail. FIG. 12 is a diagram illustrating an input form of remittance destination information. FIG. 13 is a flowchart illustrating the flow of a transfer information registration process in the server. FIG. 14 is a flowchart illustrating an example of a transfer information registration process in the recipient's terminal. FIG. 15 is a diagram illustrating a transfer information registration acceptance mail. FIG. 16 is a diagram illustrating a transfer information registration mail.

  Hereinafter, embodiments will be described. The embodiment described below is merely an example, and the technical scope of the present disclosure is not limited to the following aspect.

<System configuration>
FIG. 1 is a diagram illustrating a configuration of an information processing system. The information processing system 10 includes a server 1 and a terminal 2 and is connected to each other by a network N that is a communication network such as the Internet that is a public packet communication network. The information processing system 10 is connected via the network N to a remittance terminal 3 that accepts a remittance procedure from a remittance person.

The server 1 is a computer that manages the transfer information from the sender to the recipient, for example, a computer connected to an account system owned by a bank. The server 1 is an example of an “information processing apparatus”. The terminal 2 is a computer terminal that is used for registering transfer information for providing a product or service and receiving a payment from a sender who is a purchaser to request a transfer to the sender. The computer for order reception which possesses is illustrated.

  The remittance terminal 3 is a computer terminal for executing a transaction for a remittance source account for the remittance to transfer the price of goods etc., for example, a computer owned by a remittance who can use Internet banking or ATM is exemplified. The transaction here includes procedures such as withdrawal, deposit, transfer, and transfer.

<Hardware configuration>
FIG. 2 is a diagram illustrating a hardware configuration of the server. The server 1 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14, a communication interface (communication IF) 15, an input unit 16, and an output unit 17. It is a computer. The server 1 may be realized by a dedicated processor, a dedicated circuit, or the like instead of a general-purpose processor such as the CPU 11.

  The CPU 11 is a central processing unit, and controls the RAM 12, the auxiliary storage device 14 and the like by processing instructions and data of various programs developed in the RAM 12 and the like. The RAM 12 is a main storage device and is controlled by the CPU 11 to write and read various commands and data. The ROM 13 is read-only, and stores BIOS (Basic Input / Output System) and firmware as a main storage device. The auxiliary storage device 14 is a non-volatile storage device, and information required to be persistent such as various programs loaded in the RAM 12 is written and read out. The auxiliary storage device 14 is, for example, an EEPROM (Electrically Erasable Programmable Read-Only Memory), an HDD (Hard Disk Drive), or the like. The auxiliary storage device 14 stores transfer information related to transfer from the sender to the receiver. The transfer information includes information related to remittance such as a remittance source account of the remittance sender, a remittance mail address linked to the remittance source account, and a remittance destination account of the recipient. The transfer information also includes transaction information such as the name, quantity, unit price, etc. of the product purchased by the sender.

  The communication IF 15 is an interface for connecting to the Internet, which is a global public packet communication network, and other communication networks via a gateway or the like. The communication IF 15 is a local area network (LAN) card, for example. The input unit 16 is, for example, a pointing device such as a touch pad, a mouse, or a touch panel, a keyboard, an operation button, and the like, and receives an operation input. The output unit 17 is a display device such as a liquid crystal display (LCD) or an organic EL (Electroluminescence) display.

  FIG. 3 is a diagram illustrating a hardware configuration of the terminal. The terminal 2 is a computer including a CPU 21, a RAM 22, a ROM 23, an auxiliary storage device 24, a communication IF 25, an input unit 26, and an output unit 27. The components included in the terminal 2 are the same as the CPU 11, RAM 12, ROM 13, auxiliary storage device 14, communication IF 15, input unit 16, and output unit 17 included in the server 1, and thus description thereof is omitted.

  The remittance terminal 3 in FIG. 1 has the same hardware configuration as the server 1 and the terminal 2. Of the transfer information stored in the auxiliary storage device 14, the server 1 sends the transfer information linked to the remittance source account of the remittance who executes the procedure at the remittance terminal 3 to the output unit (not shown) of the remittance terminal 3. Can be displayed.

<Functional configuration>
FIG. 4 is a diagram illustrating a functional configuration of the server. The server 1 reads the program stored in the auxiliary storage device 14 to the RAM 12 and executes it by the CPU 11, whereby the transfer information database D 11, the registration request receiving unit F 11, the input form transmitting unit F 12, and the transfer information registration It functions as a computer including the part F13.

  In the present embodiment, each function of the server 1 is executed by the CPU 11 that is a general-purpose processor. However, part or all of these functions are performed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be executed. Here, the hardware arithmetic circuit refers to, for example, an adder circuit, a multiplier circuit, a flip-flop, etc. combined with logic gates. Some or all of these functions may be executed by a separate computer.

  The transfer information database D11 is a remittance destination account registered by the remittance source account and remittance address, transaction information such as the name, quantity, unit price, etc. of the product ordered by the remittance, remittance, and recipient. It is a database for storing the transfer information including the information and the like. The transfer information database D11 is an example of a “storage unit”.

  The transfer information database D11 is constructed by managing a data stored in the auxiliary storage device 14 by a database management system (DBMS) program executed by the CPU 11. The transfer information database D11 is, for example, a relational database. The transfer information database D11 has a remittance address table and a transfer information table.

  FIG. 5 is a diagram illustrating an example of a remittance address table. The remittance address table of the transfer information database D11 is used to define the association between the remittance address and the remittance source account. In FIG. 5, one record stored in the remittance address table stores information of the remittance source account linked to the remittance address.

  The record of the remittance address table has fields for remittance address, remittance source account number, and sender name. The remittance address is an address such as an e-mail associated with a remittance source account that is a payment source of remittance from the remittance person. The remittance source account number is an account number of an account designated by the remittance as a payment source of the purchase price of the product or the like. The name of the sender is the name of the sender who pays the purchase price of the product or the like, and may be used as the orderer name of the transaction information. The account holder of the remittance source account may be set as the name of the sender. The account holder of the remittance source account can be acquired from an account system connected to the server 1, for example.

  FIG. 6 is a diagram illustrating an example of the transfer information table. The transfer information table of the transfer information database D11 manages the transfer information notified from the recipient to the server 1. The transfer information includes information related to an order for a product or the like from a remittance customer and information on a remittance destination account that accepts remittance. One record stored in the transfer information table stores information on one transfer from the sender to the receiver.

  In the example of FIG. 6, the record of the transfer information table has fields of transfer number, remittance address, transaction information, remittance amount, remittance account number, and recipient name. Note that the fields of the record of the transfer information table can be added, changed, and deleted as appropriate in accordance with information mutually notified between the sender and the receiver. Information mutually notified between the sender and the recipient is, for example, a message and a remittance deadline.

The transfer number is an identifier for identifying transfer information. The transfer number is, for example, a number assigned to an order when the recipient receives an order for goods or the like from the sender. The remittance address is an address associated with the sender's remittance source account number. The remittance address can be generated by the server 1 based on the account number, or can be preset by the remittance person, for example. The remittance address is notified from the sender to the recipient. The recipient can proceed with the transfer information registration procedure by sending an e-mail to the notified remittance address. For this reason, the procedure in which the recipient requests the sender to make a transfer is simplified.

  The transaction information may include different information depending on the transaction. For example, the transaction information includes information such as a product name, a quantity, a unit price, and a billing amount when the remittance orders a product from the recipient. The transaction information can be acquired from, for example, a sales management system operated by a recipient who is a seller. Further, the transaction information may be information in which the contents of the order received from the sender by e-mail or order form are input to the terminal 2 by the recipient. The transaction information acquired or input by the terminal 2 may be notified from the terminal 2 to the server 1 in the flow of the transfer information registration process.

  The amount transferred is the amount transferred from the sender to the recipient. The remittance amount is, for example, an amount charged for a product included in the transaction information. The remittance account number is the account number for the recipient to receive the remittance from the sender. The recipient name is the name of the recipient who receives the money from the sender.

  Functions other than the database of the server 1 shown in FIG. 4 will be described. The registration request receiving unit F11 receives a transfer information registration request from the recipient's terminal 2. Specifically, the registration request receiving unit F11 receives a registration request mail for requesting registration of transfer information to the remittance address from the recipient. The registration request e-mail may include transaction information related to an order for goods and the like from the sender to the receiver. The registration request receiving unit F11 is an example of “registration request receiving means”.

  When the registration request accepting unit F11 accepts the transfer information registration request from the recipient, the input form sending unit F12 registers the remittance destination information for receiving the remittance from the sender at the recipient's terminal 2. Submit the input form. For example, the input form transmission unit F12 transmits a mail including a URL for accessing the input form to the address of the transmission source of the registration request mail. The recipient can display the input form on the recipient's terminal 2 by receiving the mail from the input form transmission unit F12 and clicking the URL. The input form transmitting unit F12 is an example of “input form transmitting means”.

  The transfer information registration unit F13 receives the transfer information input in the input form transmitted to the recipient's terminal 2 by the input form transmission unit F12. The transfer information registration unit F13 registers the received transfer information in the transfer information table of the transfer information database D11. The transfer information registration unit F13 is an example of a “transfer information registration unit”.

  FIG. 7 is a diagram illustrating a functional configuration of the terminal. The terminal 2 reads a program stored in the auxiliary storage device 24 into the RAM 22 and executes it by the CPU 21, whereby a remittance accepting unit F 21, a registration request unit F 22, an input form receiving unit F 23, and a transfer information transmitting unit. It functions as a computer provided with F24. Some or all of the functions of the terminal 2 may be executed by one or more dedicated processors, hardware arithmetic circuits, and the like.

  The remittance accepting unit F21 accepts notification of a remittance address associated with a remittance source account designated as a payment source by the remittance person. For example, the remittance accepting unit F21 may extract the remittance address from e-mail data in which the remittator notifies the recipient transmission address. In addition, the remittance accepting unit F21 can accept the remittance address of the remittance person via a computer in which a sales management system operated by a recipient who is a seller is installed. The remittance acceptance unit F21 is an example of a “remittance acceptance unit”.

  The registration request unit F22 transmits a registration request mail requesting registration of transfer information for the sender to the remittance address for which the remittance accepting unit F21 has accepted the notification. The registration request e-mail may include transaction information relating to an order for goods and the like from the sender to the receiver. When the server 1 receives the registration request mail from the registration request unit F22, the server 1 transmits an input form for registering remittance destination information to the recipient's terminal 2. For example, the input form transmission unit F12 of the server 1 may transmit a mail including a URL for accessing the input form to a recipient who is a transmission source of the registration request mail. The registration request unit F22 is an example of a “registration request unit”.

  The input form receiving unit F23 receives the input form transmitted by the input form transmitting unit F12 of the server 1. The input form receiving unit F23 receives, for example, a mail including a URL for accessing the input form from the input form transmitting unit F12 of the server 1. The recipient can display the input form on the recipient's terminal 2 by clicking on the URL for accessing the input form. The recipient can register by entering the transfer information in a predetermined field of the input form displayed on the screen of the terminal 2. Further, the input form receiving unit F23 may receive an email including a deep link that can be changed to a specific screen of an application such as a smartphone instead of the URL. The payee can sequentially register or register the transfer information such as the remittance destination account and the remittance amount in a chat format on the specific screen of the application that is the transition destination when the deep link is clicked. The input form receiving unit F23 is an example of “input form receiving means”.

  The transfer information transmitting unit F24 transmits the transfer information input by the recipient to the server 1 in response to the input form received by the input form receiving unit F23. The transfer information transmitting unit F24 may transmit the transfer information such as the remittance destination account information and the remittance amount input by the recipient to the server 1 in the reply mail to the mail received by the input form receiving unit F23. . In this case, the server 1 allows the recipient 1 to input the information of the item corresponding to the label including the label “remittance amount:” in the body of the email received by the input form receiving unit F23. Can be obtained for each item. The transfer information includes remittance information such as a remittance account number and an account holder for the recipient to receive remittance from the remittance. The transfer information may further include transaction information related to an order of goods and the like from the sender to the receiver. The transfer information transmission unit F24 is an example of a “transfer information transmission unit”.

<Process flow>
FIG. 8 is a diagram illustrating an overall processing flow of the information processing system according to the embodiment. The flow of this process is started when, for example, a remittance customer is executing an ordering process for products or the like via a sales management system operated by a recipient who is a seller.

  First, in step P01, the remittance executes order processing for products etc. sold by the recipient. In addition to the transaction information such as the name of the orderer, the name of the ordered product, the quantity, the unit price, etc., the remittator notifies the recipient of the remittance address. The remittance address and transaction information may be transmitted to the recipient's terminal 2 by being input to a sales management system operated by the recipient.

  In step P02, the payee receives an order for a product or the like from the sender and requests the server 1 to register transfer information. Specifically, the recipient's terminal 2 receives the remittance address and transaction information, and sends a transfer information registration request mail to the remittance address in accordance with the recipient's instruction. FIGS. 9 and 10 are diagrams for illustrating and explaining screens for transmitting a registration request mail from the recipient's terminal 2.

FIG. 9 is a diagram illustrating a transfer information registration request screen. The registration request screen is displayed on the recipient's terminal 2 when an order for a product or the like is received from the sender. In the registration request screen, a transaction information display column SC11, a “Yes” button SC12, and a “No” button SC13 are shown.

  The transaction information display column SC11 is a column for displaying transaction information relating to an order of goods and the like from the sender to the receiver. In the example of FIG. 9, the transfer number for individually identifying the transfer information, the purchased product information (product name and amount) purchased by the sender, the billing amount and the orderer name are displayed as transaction information. The information displayed in the transaction information display column SC11 is information input when the remittor orders a product, sales information managed by the sales management system of the payee, or an auxiliary storage device of the payee's terminal 2 It can be acquired from information such as merchandise stored in 24 etc.

  The “Yes” button SC12 is a button for making a transition to the confirmation screen for the registration request mail. By pressing the “Yes” button SC12, a registration request mail screen for requesting the server 1 to register the transfer information is displayed. The “No” button SC13 is a button for canceling the transmission of the registration request mail.

  FIG. 10 is a diagram illustrating an example of a transfer information registration request mail. The registration request mail screen is displayed on the recipient's terminal 2 when the “Yes” button SC12 is pressed on the registration request screen shown in FIG. The registration request mail is a mail for requesting the server 1 to register the transfer information from the sender to the receiver. The registration request mail includes a header information display field SC21, a transaction information display field SC11, and a “Send” button SC22. Since the transaction information display column SC11 is the same as that shown in FIG.

  The header information display column SC21 is a column for displaying information such as the destination, sender, and subject of the registration request mail. In the example of FIG. 10, a remittance address associated with the remittance source account of the sender is set in the destination (TO :). The sender's mail address is set in the sender (FROM :). In the subject, “transfer information registration request” is set. The server 1 can determine whether it is a transfer information registration request mail based on the contents of the header information of the received mail.

  The “Send” button SC22 is a button for sending a registration request mail. By pressing the “Send” button SC22, a registration request mail having the displayed contents is sent to the server 1.

  In step P03 of FIG. 8, the server 1 first determines whether or not a transfer information registration request mail has been received from the recipient's terminal 2. For example, the server 1 receives the received mail depending on whether the destination of the received mail is registered in the remittance address table shown in FIG. 5 or whether the subject includes the characters “transfer information registration request”. It can be determined whether the mail is a registration request mail.

  When the server 1 receives the transfer information registration request mail, the server 1 transmits an input form to the recipient's terminal 2. 11 and 12 are diagrams for illustrating and explaining screens for transmitting the input form to the recipient's terminal 2. FIG.

  FIG. 11 is a diagram illustrating an input form transmission mail. The input form transmission mail is a mail returned from the server 1 to the sender of the registration request mail in order to notify the recipient of the URL to the input form. The input form transmission mail includes a header information display field SC31, a transaction information display field SC11, and a link SC32 to the input form. Since the transaction information display column SC11 is the same as that shown in FIG.

The header information display column SC31 is a column for displaying information such as the destination, transmission source, and subject of the input form transmission mail. In the example of FIG. 11, the mail address of the recipient who is the transmission source of the registration request mail of FIG. 10 is set as the destination (TO :). In the transmission source (FROM :), a remittance address associated with the remittance source account of the sender is set. In the subject, “input form transmission” is set.

  The link SC32 to the input form is a button for transitioning to the input form screen. By clicking on the link SC32 to the input form, the screen changes to an input form screen for inputting remittance destination information for the displayed transaction information.

  FIG. 12 is a diagram illustrating an input form of remittance destination information. The input form screen is displayed on the recipient's terminal 2 when the link SC32 to the input form is clicked in the input form transmission mail shown in FIG. The input form includes a transaction information display field SC11, a remittance account number input field SC41, a payee name input field SC42, a remittance amount input field SC43, and a “Register” button SC44. Since the transaction information display column SC11 is the same as that shown in FIG.

  The remittance destination account number input field SC41 is a field for inputting an account number for receiving remittance from the sender. In the input field SC41, the account number of the account owned by the recipient may be displayed as an initial value.

  The recipient name input column SC42 is a column for inputting the name of the recipient who receives the remittance from the sender. In the input field SC42, the account holder of the remittance destination account input in the input field SC41 may be displayed as an initial value. The account numbers and account holders displayed as initial values in the input field SC41 and the input field SC42 are stored in advance in the auxiliary storage device 24 of the recipient's terminal 2 as the initial value of each field. Can be displayed.

  The remittance amount input field SC43 is a field for inputting an amount for requesting remittance to the sender. In the input field SC43, the charge amount displayed in the transaction information display field SC11 may be displayed as an initial value.

  The “Register” button SC44 is a button for registering the remittance destination information including the remittance account number and the name of the recipient entered in the input form and the transaction information displayed in the display field SC11 in the server 1 as transfer information. It is.

  In step P04 of FIG. 8, the recipient presses a “registration” button SC44 in the input form shown in FIG. 12, and transmits and registers the transfer information including the remittance destination information and the transaction information to the server 1.

  In step P05, the server 1 registers the transfer information received from the recipient's terminal 2 in the transfer information table of the transfer information database D11.

  In step P06, the server 1 notifies the sender of the transfer information registered in the transfer information table. For example, the server 1 can transmit the transfer information to the sender's e-mail address by storing the sender's e-mail address in the remittance address table in advance.

When the sender who received the notification of the transfer information logs in to Internet banking at the sender's terminal or starts the procedure for the sender account at the ATM, the server 1 pays the sender account The transfer information may be displayed on the sender's terminal or an output unit provided in the ATM. Further, the server 1 may execute the transfer by approving the displayed transfer information by the sender. Since the transfer is executed after the sender confirms the contents of the transfer information, erroneous transfer is suppressed.

  When a plurality of transfer information are registered for the remittance source account, the server 1 may display the plurality of transfer information on the sender's terminal or the ATM output unit. In this case, the sender may select and approve any transfer information, and the server 1 may execute the approved transfer process. Further, the remittance may select and approve a plurality of transfer information from the transfer information displayed on the output unit, and the server 1 may execute a plurality of approved transfer processes.

  FIG. 13 is a flowchart illustrating the flow of a transfer information registration process in the server. FIG. 13 illustrates a processing flow in the server 1 in the processing flow shown in FIG. This processing flow starts, for example, when the server 1 receives an e-mail from the recipient's terminal 2.

  First, in step S1, the registration request reception unit F11 determines whether or not the received mail is a transfer information registration request mail. The registration request receiving unit F11 can determine whether the received mail is a registration request mail based on the header information of the received mail. For example, the registration request receiving unit F11 determines whether the remittance address specified as the destination is registered in the remittance address table, or whether the subject includes a predetermined character such as “transfer information registration request”. It is possible to determine whether or not the received mail is a registration request mail. If the received mail is a transfer information registration request mail (S1: YES), the process proceeds to step S2. If the received mail is not a transfer information registration request mail (S1: NO), the process returns to step S1, and the process of step S1 is repeated at a predetermined interval until the transfer information registration request mail is received.

  In step S2, the registration request receiving unit F11 determines whether or not the remittance source account has been registered (linked) to the remittance address. For example, the registration request receiving unit F11 may refer to the remittance address table and determine whether or not the remittance source account is registered for the remittance address that is the destination of the registration request mail. If the remittance source account has already been registered for the remittance address (S2: YES), the process proceeds to step S3. If the remittance source account has not been registered for the remittance address (S2: NO), the transfer information registration process shown in FIG. 13 ends.

  In step S3, the input form transmitting unit F12 transmits the input form to the recipient's terminal 2. The input form transmission process is the same as the process of step P03 in FIG.

  In step S4, the transfer information registration unit F13 receives the transfer information from the recipient's terminal 2. The transfer information includes remittance destination information entered by the recipient with respect to the input form sent to the recipient's terminal 2 in step S3. Further, the transfer information may include transaction information related to products etc. purchased by the sender from the recipient. In step S5, the transfer information registration unit F13 registers the transfer information received in step S4 in the transfer information table of the transfer information database D11. In step S6, the transfer information registration unit F13 notifies the sender of the transfer information registered in the transfer information table, and the transfer information registration process shown in FIG. 13 ends.

  FIG. 14 is a flowchart illustrating an example of a transfer information registration process in the recipient's terminal. FIG. 14 illustrates a processing flow at the terminal 2 in the processing flow shown in FIG. This processing flow starts when, for example, the recipient's terminal 2 receives transaction information from the sender.

  First, in step S11, the remittance accepting unit F21 determines whether or not a remittance address notification has been accepted. For example, the remittance accepting unit F21 accepts the remittance address notification by receiving an e-mail in which the remittance address is described together with the transaction information from the remittance person. Further, the remittance accepting unit F21 may accept the notification of the remittance address when the recipient inputs the remittance address written in the order form to the terminal 2. When notification of the remittance address is received (S11: YES), the process proceeds to step S12. If notification of the remittance address has not been received (S11: NO), the process returns to step S11.

  In step S12, the registration request unit F22 transmits a registration request mail to the remittance address for which the notification has been accepted in step S11, and requests the server 1 to register transfer information. In step S13, the input form receiving unit F23 receives the input form from the server 1 and displays it on the recipient's terminal 2. The recipient inputs remittance information such as a remittance destination account for receiving remittance from the remittance in the input form displayed on the terminal 2. In step S <b> 14, the transfer information transmission unit F <b> 24 transmits the transfer information including the remittance destination information input in the input form to the server 1. In addition to the remittance destination information, the transfer information transmission unit F24 may transmit transaction information, a message to the sender, etc. to the server 1 as a part of the transfer information. When the transfer information is transmitted to the server, the transfer information registration process shown in FIG. 14 ends.

<Effect>
In the present embodiment described above, when the server 1 receives a mail addressed to the remittance address, the server 1 transmits an input form for accepting input of transfer information to the remittance person to the recipient's terminal 2. Since the recipient can register the transfer information for the sender by inputting the information of the recipient in the received input form, the procedure for inputting the transfer information by the recipient becomes easy. In addition, the payee can suppress registration of the transfer information for the wrong sender.

  In addition, if the transfer information includes transaction information related to remittance, the recipient can check the transaction information included in the transfer information and enter the remittance destination information. Can be prevented from being registered.

  Further, the transfer information registration unit F13 registers the transfer information received from the recipient's terminal 2 in the transfer information table of the transfer information database D11 of the server 1. The transfer information registration unit F13 notifies the sender of the transfer information registered in the transfer information table. Further, the transfer information registered in the transfer information table may be displayed on the remittance terminal 3 when the remittance person starts a procedure for the remittance account from the remittance terminal 3. For this reason, the sender can receive timely notification that the transfer information has been registered in the server 1 by the recipient, and can instruct execution of the transfer procedure after confirming the contents of the transfer information. .

<Modification>
In the above-described embodiment, the input form transmission unit F12 of the server 1 includes a URL for accessing the input form addressed to the address of the transmission source of the registration request mail in response to the registration request mail of the transfer information from the recipient. send an email. The recipient accesses the URL to display an input form on the recipient's terminal 2 and inputs the transfer information.

  On the other hand, in this modification, the input form transmission unit F12 transmits an email including an entry field for allowing the recipient to input each item of the transfer information to the address of the transmission source of the registration request email. In this case, the recipient replies by entering the transfer information in the entry field of each item in the reply mail to the mail sent from the input form sending unit F12. The server 1 can acquire information on each item of the transfer information from the contents of the reply mail received from the recipient. Hereinafter, a modification in the case where the server 1 acquires information on each item of the transfer information from the contents of the reply mail received from the recipient will be described focusing on differences from the above-described embodiment.

  In step S3 of FIG. 13, ie, step P03 of FIG. 8, in the above-described embodiment, the input form transmission unit F12 transmits the input form transmission mail illustrated in FIG. 11 to the transmission source of the registration request mail. Notify the recipient of a link to the transfer information input form. On the other hand, in this modification, the input form transmission unit F12 transmits a transfer information registration acceptance mail illustrated in FIG.

  FIG. 15 is a diagram illustrating a transfer information registration acceptance mail. The transfer information registration acceptance e-mail is an e-mail returned from the server 1 to the sender of the registration request e-mail in order to acquire the transfer information information from the recipient. The transfer information registration acceptance mail includes a header information display field SC51, a transaction information display field SC11, and a transfer information item display field SC52. Since the transaction information display column SC11 is the same as that shown in FIG.

  The header information display column SC51 is a column for displaying information such as the destination, sender, and subject of the transfer information registration acceptance mail. In the example of FIG. 15, the mail address of the recipient who is the sender of the registration request mail of FIG. 10 is set as the destination (TO :). In the transmission source (FROM :), a remittance address associated with the remittance source account of the sender is set. In the subject, “transfer information registration acceptance” is set.

  The transfer information item display field SC52 shows items such as the remittance account number, the recipient's name, and the remittance amount that the recipient of the transfer information registration acceptance email inputs as the transfer information when replying to the transfer information registration acceptance email. Display the label.

  In step S4 of FIG. 13, that is, step P04 of FIG. 8, in the above-described embodiment, the transfer information registration unit F13 receives the transfer information input in the input form illustrated in FIG. On the other hand, in this modification, the transfer information registration unit F13 receives the transfer information registration mail illustrated in FIG. 16 from the recipient. The transfer information registration mail includes the transfer information input by the recipient, and the transfer information registration unit F13 acquires the transfer information such as the remittance account number, the recipient name, and the remittance amount from the contents of the transfer information registration mail.

  FIG. 16 is a diagram illustrating a transfer information registration mail. The transfer information registration mail is a reply mail to the transfer information registration acceptance mail shown in FIG. The transfer information registration mail includes a header information display field SC61, the content of the return transfer information registration acceptance mail, and a transfer information input field SC62 input by the recipient. Since the contents of the transfer information registration acceptance mail as the reply source are the same as those in FIG.

  The header information display column SC61 is a column for displaying information such as the destination, sender, and subject of the transfer information registration mail. In the example of FIG. 16, a remittance address associated with the remittance source account of the remittance who is the transmission source of the transfer information registration acceptance mail is set in the destination (TO :). In the sender (FROM :), the mail address of the recipient who is the destination of the transfer information registration acceptance mail is set. In the subject, the characters “Re: Transfer information registration acceptance” are set.

  The transfer information input column SC62 is a column in which the recipient inputs transfer information such as a remittance destination account number, a recipient name, and a remittance amount. The transfer information input field SC62 corresponds to each item in the same manner as the remittance account number input field SC41, recipient name input field SC42, and remittance amount input field SC43 in the remittance destination information input form of FIG. The initial value to be displayed may be displayed.

In such a modification, the recipient inputs the transfer information in a reply mail (transfer information registration mail) to the transfer information registration acceptance mail, and the server 1 transmits the transfer information from the transfer information registration mail. It can be acquired and registered in the transfer information table.

  10. Information processing system: 1. Server, information processing device: 2. Terminal: 11, 21. CPU: 12, 22. RAM: 13, 23. ROM: 14, 24. Auxiliary storage device. 15:25 ・ ・ Communication interface: 16,26 ・ ・ Input unit: 17,27 ・ ・ Output unit: N ・ ・ Network

Claims (8)

A registration request email requesting registration of transfer information including the remittance destination information from the recipient who receives the remittance to the remittance address linked to the remittance source account that is the payment source of remittance from the remittance Registration request accepting means for receiving
An input form transmitting means for transmitting an input form for receiving input of the transfer information to the recipient's terminal;
Receiving the transfer information input in the input form from the terminal, and including transfer information registration means for registering the transfer information in a storage unit,
Information processing device. The transfer information includes transaction information regarding the remittance,
The information processing apparatus according to claim 1. The transfer information registration means notifies the sender of the transfer information stored in the storage unit.
The information processing apparatus according to claim 1 or 2. The transfer information registration means displays the transfer information registered in the storage unit on a remittance terminal on which the procedure is executed when the sender starts a procedure for the remittance source account.
The information processing apparatus according to any one of claims 1 to 3. Computer
A registration request email requesting registration of transfer information including the remittance destination information from the recipient who receives the remittance to the remittance address linked to the remittance source account that is the payment source of remittance from the remittance Registration request reception step for receiving,
An input form sending step for sending an input form for accepting input of the transfer information to the recipient's terminal;
Receiving the transfer information input in the input form from the terminal, and executing the transfer information registration step of registering the transfer information in a storage unit,
Information processing method. On the computer,
A registration request email requesting registration of transfer information including the remittance destination information from the recipient who receives the remittance to the remittance address linked to the remittance source account that is the payment source of remittance from the remittance Registration request reception step for receiving,
An input form sending step for sending an input form for accepting input of the transfer information to the recipient's terminal;
Receiving the transfer information input in the input form from the terminal, and executing the transfer information registration step of registering the transfer information in a storage unit,
Information processing program. A remittance accepting means for accepting notification of a remittance address associated with a remittance source account that is a payment source of remittance from a remittance person;
Registration request means for sending a registration request email for requesting registration of transfer information including remittance destination information of the remittance to the remittance address;
An input form receiving means for receiving an input form for receiving input of the transfer information from a server;
A transfer information transmitting means for transmitting the transfer information input in the input form to the server;
Terminal. An information processing system including a server and a recipient's terminal that receives money from the sender,
The server
Registration request reception for receiving a registration request email requesting registration of transfer information including the remittance destination information of the remittance from the recipient to the remittance address associated with the remittance source account that is the payment source of the remittance Means,
An input form transmitting means for transmitting an input form for receiving input of the transfer information to the terminal;
Receiving the transfer information entered in the input form from the terminal, and transferring information registration means for registering the transfer information in a storage unit,
The terminal
Remittance accepting means for accepting notification of the remittance address;
Registration request means for transmitting the registration request mail to the remittance address;
Input form receiving means for receiving the input form from the server;
A transfer information transmitting means for transmitting the transfer information input in the input form to the server;
Information processing system.

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