JP2020112958A - Prepaid card management device, management method, and program for the same - Google Patents

Abstract

To reduce the load of charging in a prepaid card for a craftsman.SOLUTION: A management device 210 receives a charge request from a craftsman terminal 110 (S307). The management device 210 transmits a charge request notification for requesting a reply as to whether to approve the charge based on the sale of reward credit to a prepaid card to an orderer terminal 120 of an orderer being a debtor of credit to be sold in response to the charging request (S308). The management device 210 updates the association of the craftsman with a charge balance of a prepaid card of the craftsman (S310) after receiving an affirmative reply notification (S309). Next, the management device 210 transmits an update request for reflecting the charge to the prepaid card of the craftsman who performs the charge request to a settlement device 220 in charge of settlement processing (S311). The settlement device 220 associates the craftsman with the charge balance of each craftsman to update the charge balance (S312).SELECTED DRAWING: Figure 3

Description

The present invention relates to a prepaid card management device, a management method, and a program therefor.

There is a payment method called a "prepaid card" that can be used for payment of a predetermined amount of money or less by depositing (also called "charge") by a predetermined method in advance. While payment methods other than cash have spread, prepaid cards are also known as one of the highly useful payment methods.

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However, due to the nature of prepaid cards, it is necessary to charge them in advance, and due to the burden, there are not many users who repeatedly charge and continue to use the same prepaid card.

The inventors can significantly reduce the burden of charging by issuing a prepaid card as an additional service to the matching service (refer to Non-Patent Document 1) provided by the applicant for the construction site for craftsmen. I found that there is. Further, it has been found that the charge burden can be reduced by providing an additional service to the business or the matching service between the business contractor and the business consignee, even for the business consignee who performs the business by consignment like the craftsman.

The present invention has been made in view of such problems, and a first object thereof is to reduce a charge burden in a prepaid card for craftsmen. The second purpose is to reduce the burden of charging in the prepaid card for business trustees.

In order to achieve such an object, a first aspect of the present invention is a prepaid card management method, the first step of receiving a charge request from a portable terminal of a craftsman who is a user of the prepaid card. And whether to approve the charge to the prepaid card based on the sale of the compensation claim to the orderer terminal of the orderer of the business that has generated the compensation claim of the craftsman sold according to the charge request. A second step of transmitting a charge request notification for a response, a step of receiving a response notification to the charge request notification from the orderer terminal, and one or more craftsmen when the response notification is affirmative And a third step of updating the correspondence between each craftsman and the balance of the prepaid card to reflect the charge.

A second aspect of the present invention is the management according to the first aspect, wherein the first to third steps provide a matching service between one or a plurality of craftsmen and one or a plurality of jobs or their orderers. Update notification for reflecting the charge to a payment device that is executed by a device and is capable of communicating with the management device and is responsible for payment processing of the prepaid card when the response notification is positive. Is further included.

Further, a third aspect of the present invention is characterized in that, in the first or second aspect, the charge request includes at least one of an amount of the compensation claim to be sold and a charge amount equal to or less than the amount of the compensation claim. And

Further, a fourth aspect of the present invention is characterized in that, in the third aspect, the charge request includes designation of a business that generated the remuneration claim to be sold or a part of the period.

Further, a fifth aspect of the present invention is characterized in that, in the third aspect, the charge request includes designation of an orderer of a business that has generated a compensation claim to be sold.

Further, a sixth aspect of the present invention further includes, in the fifth aspect, further including a step of identifying one of the compensation claims for the designated orderer as a compensation claim to be sold in response to the charge request. Characterize.

Further, a seventh aspect of the present invention further comprises, in any one of the first to sixth aspects, further comprising a step of determining whether or not the compensation receivable sold in response to the charge request satisfies a compensation receivable sale condition. It is characterized by including.

Further, an eighth aspect of the present invention is the seventh aspect, wherein the condition for selling the receivable claim is that the reply notification is received within a predetermined number of days from the transmission of the charge request notification, and the charge request is It is characterized by including at least one of being received before the lapse of a predetermined number of days from the implementation date of the business that caused the compensation claim to be sold by the charge request.

A ninth aspect of the present invention is a program for causing a computer to execute a prepaid card management method, wherein the management method requests a charge from a portable terminal of a craftsman who is a user of the prepaid card. The first step of receiving and charging the prepaid card based on the sale of the compensation claim to the orderer terminal of the orderer of the business that has generated the compensation claim of the craftsman sold in response to the charge request. A second step of transmitting a charge request notification asking for a response as to whether or not to approve, a step of receiving a response notification to the charge request notification from the orderer terminal, and a case where the response notification is affirmative The third step of updating the correspondence between one or a plurality of craftsmen and the balance of the prepaid card of each craftsman to reflect the charge.

A tenth aspect of the present invention is a prepaid card management device, wherein the craftsman receives a charge request from a mobile terminal of a craftsman who is a user of the prepaid card and sells the charge request in response to the charge request. A charge request notice asking for a response as to whether or not to approve the charge to the prepaid card based on the sale of the compensation claim to the orderer terminal of the orderer of the business that generated the compensation claim, When the response notification to the charge request notification received from the terminal is affirmative, the correspondence between one or more craftsmen and the balance of the prepaid card of each craftsman is updated to reflect the charge. To do.

According to an aspect of the present invention, a management device that provides a matching service between one or more craftsmen and one or more businesses or their orderers occurs between the craftsmen who are users of the service and the orderer. By performing the transfer processing of the remuneration claim to the management company that operates the management device, and as a result, also handling the charge processing to the prepaid card based on the remuneration claim transferred by the management company, the craftsman requests the charge. Is transmitted to the management device, the charging can be easily performed.

It is a figure which shows the management apparatus of the matching service of the craftsman for construction workers who is the basis of the management method of the prepaid card concerning the 1st Embodiment of this invention, and the site. It is a figure which shows the system for implementing the management method of the prepaid card concerning the 1st Embodiment of this invention. It is a figure which shows the management method of the prepaid card concerning the 1st Embodiment of this invention. It is a figure which shows an example of the display screen which displays the card information of the activated prepaid card concerning the 1st Embodiment of this invention. It is a figure which shows an example of the charge request transmission screen to the prepaid card concerning the 1st Embodiment of this invention. It is a figure which shows the remittance method to the other user concerning the 2nd Embodiment of this invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

(First embodiment)
FIG. 1 shows a matching service management apparatus for craftsmen and construction sites for construction workers, which is the basis of the prepaid card management method according to the first embodiment of the present invention. The management device 100 receives, from the craftsman's mobile terminal 110, craftsman information including the craftsman's address and crafts. Further, the management device 100 receives the site information including the requested job type and working place from the orderer terminal 120 of the construction ordering company such as the prime contractor. Based on the received craftsman information and site information, when one or more site candidates suitable for the craftsman are transmitted and the craftsman has indicated that he or she wants to apply to any of the site candidates, the management device 100 places an order. The person terminal 120 is notified that there is an application for confirmation.

The craftsman information and the site information used for matching the craftsman and the site are not limited to the contents described here, and the management device 100 may perform matching between the craftsman and the site suitable for the craftsman. The data transmission/reception is not limited to the flow described here. For example, after the craftsman and the orderer are matched, the orderer may transmit the site information that the orderer wants to request to the craftsman and place the order. ..

The craftsman terminal 110 of the craftsman may be a mobile terminal such as a smartphone or a tablet, or may be wider and may be a computer such as a PC. For craftsmen, smartphones are preferred because of their high affinity, but for contractors other than craftsmen, other terminals may be preferred.

FIG. 2 shows a system for carrying out the prepaid card management method according to the first embodiment of the present invention. The system 200 is a management device 210 that provides a matching service between one or more craftsmen and one or more jobs or their orderers, and a payment device that can communicate with the management device 210. One or more prepaid cards. Payment device 220 that is responsible for the payment process. It is assumed that the craftsman who uses the craftsman terminal 110 is registered as a user of the matching service provided by the management device 210, and the orderer who uses the orderer terminal 120 is also registered as a user. Although a single craftsman terminal and a single orderer terminal are shown in FIGS. 1 and 2, a plurality of terminals can exist, and they are omitted for simplicity.

The management device 210 includes a communication unit 211 such as a communication interface, a processing unit 212 such as a processor and a CPU, and a storage unit 213 including a storage device such as a memory and a hard disk or a storage medium, and a program for performing each process. Is executed by the processing unit 212, and may include one or a plurality of devices or servers. The program may include one or a plurality of programs, and can be recorded in a computer-readable storage medium to be a non-transitory program product. The data described as being stored in the management device 210 or the storage unit 212 may be stored in a storage medium or a storage device accessible from the management device 210. The payment device 220 may have the same hardware configuration as the management device 210, although not shown for simplicity.

First, the management device 210 receives a prepaid card issuance request from the craftsman terminal 110 (S301). The craftsman terminal 110 preferably sends the issuance request on the application installed in the craftsman terminal 110, but can also send the issuance request on the website provided by the management device 210. In any case, when the issue request is issued while logged in as the user, the user id is transmitted to the management device 210 as a part of the issue request or in addition to the issue request.

The management company that operates the management device 210 sends the prepaid card to the craftsman (S302). At the time of sending, it is preferable to enclose a paper on which an authentication code such as an authentication number for validating the prepaid card is enclosed, but the authentication code can be securely provided to a craftsman who uses the craftsman terminal 110 by a method other than sending the paper. I hope I can tell you.

The craftsman who receives the authentication code inputs the authentication code and transmits the authentication information to the management device 210 (S303). Here, in addition to the authentication code, a card identifier such as a card number of a prepaid card can be input and included in the authentication information. The management device 210 transmits the received authentication information to the payment device 220 (S304), and the payment device 220 determines whether the authentication code input by the craftsman is associated with the prepaid card issued to the craftsman. It is determined whether or not the prepaid card is validated when the determination result is affirmative (S305), and the management device 210 is notified of the authentication result (S306). For example, as shown in FIG. 4, the card information of the prepaid card activated on the application installed in the craftsman terminal 110 may be confirmed as an example.

Although the prepaid card is sent by the management company that operates the management device 210, and the authentication code is also transmitted from the management device 210 or the management company that operates the management device 210 to the craftsman or the craftsman terminal 110, the settlement device 220. Alternatively, a payment company that manages the operation may do these.

Further, in order to validate the prepaid card, the payment device 220 can refer to the association between at least one of the user id or the card identifier and the authentication code, and the association can be accessed from the payment device 220 or the payment device 220. It must be stored in a possible storage device or storage medium. In addition, the correspondence between at least one of the user id and the card identifier and the authentication code is stored in the management device 210 or a storage device or a storage medium accessible from the management device 210 so that it can be referred to. Authentication and validation may be performed.

Although the payment device 220 is described as a device separate from the management device 210 here, they can be the same device. In that case, data transmission/reception between these devices is performed by the data in the device. Access to.

In the present embodiment, after the prepaid card is activated, the craftsman can charge the prepaid card with a receivable receivable for the orderer, which is generated as a result of performing the entrusted business, before the payment date. Specifically, first, the management device 210 receives a charge request from the craftsman terminal 110 (S307). As an example, the screen shown in FIG. 4 is displayed on the craftsman terminal 110, the craftsman taps the “receive money” button, and selects the charge to the prepaid card that can be selected as one of the receiving methods. A charge request from 110 to the management device 210 is transmitted.

As an example, as shown in FIG. 5, the charge request includes the amount of the compensation receivable to be sold which is determined by designating the work entrusted by the craftsman or a part of the period, or a charge amount which is a fixed ratio thereof. When there is a difference between the amount of the compensation claim and the charge amount, the difference is a fee for charging via the system 200.

The charge request can include designation of the business that generated the bond to be transferred or a part of the period thereof, but may include designation of the orderer of the business that generated the bond. In this case, in the management device 210, it is conceivable that, for example, the bond with the oldest date is specified as the transfer target. More generally, one of the compensation receivables for the designated orderer may be specified as the compensation receivable sold in response to the charge request. Specifically, the compensation receivable can be a performance receivable receivable that is generated according to the progress of the work entrusted to the craftsman.

The management device 210 that has received the charge request approves the charge to the prepaid card based on the sale of the compensation claim to the orderer terminal 120 of the orderer who is the obligor of the claim sold according to the charge request. A charge request notification requesting a reply as to whether or not it is transmitted (S308). The charge request notification includes the name of the craftsman who made the charge request, the user id and the amount of the transfer receivable or the charge amount less than that amount, and further the transfer target receivable or the business that caused the receivable or part of it. It may include a period specification.

The management device 210, after receiving a positive response notification to the charge request notification from the orderer terminal 120 (S309), updates the association between the craftsman and the charge balance of the prepaid card of the craftsman (S310). More specifically, the management device 210 updates the correspondence between the management device 210 or a plurality of craftsmen stored in a storage device or a storage medium accessible from the management device 210 and the charge balance of each craftsman, and charges the charge balance. Reflect the charge to the prepaid card of the craftsman who made the request.

The management device 210 may determine whether or not the compensation receivable sold in response to the charge request satisfies the compensation receivable sales condition before or after the charge request notification is transmitted or after the reply notification is received. As an example of the condition for selling the compensation receivable, it is possible to cite that the response notice is received within a predetermined number of days from the transmission of the charge request notice. For example, the predetermined number of days may be 5 days. This is because if the fixed period is not set, there is a risk that the bond will be transferred after the orderer proceeds with the payment procedure to the craftsman. Further, as an example of the condition for remuneration receivable sale, it can be mentioned that the charge request is transmitted before a predetermined number of days have passed from the implementation day of the business that caused the remuneration receivable sold by the charge request. In this case, it is preferable that the charge request includes designation of the business that generated the bond to be transferred or a part of the period in order to use it for determining whether the condition is satisfied. Similar to the previous example, also in this example, if a certain period of time is not set, there is a risk that a bond transfer will occur after the orderer has proceeded with the payment procedure to the craftsman.

Next, the management device 210 transmits an update request for reflecting the charge to the prepaid card of the craftsman who has issued the charge request to the payment device 220 which is responsible for the payment processing of one or more prepaid cards (S311). The settlement apparatus 220 updates the association between the settlement apparatus 220 or one or more craftsmen stored in a storage device or storage medium accessible from the settlement apparatus 220 and the charge balance of each craftsman (S312), and the management apparatus 210. A completion notice is transmitted to the server (S313). As an example, the payment company that operates the payment device 220 regularly charges the charge amount to the operation company that operates the management device 210. , Prepaid card users can update the balance of each user to be payable.

As described above, the compensation receivable generated by the business consignment established by the matching service provided by the management device 210 is sold to the management company that operates the management device 210, and the management company and the management company respond to the update request from the management company. When the payment company that operates the payment device 220 that is affiliated with the payment device updates the charge balance of the prepaid card user, the user can easily repeatedly charge the prepaid card by making a charge request specifying the amount. .. In particular, when the user terminal is a mobile terminal, the user can charge the prepaid card very easily at hand.

If there is no description of “only” such as “based only on XX”, “according to only XX”, “in the case of only XX”, in this specification, additional information Note that it is assumed that can also be considered. Also, as an example, it should be noted that the description “b in the case of a” does not necessarily mean “always b in the case of a” unless explicitly stated.

In addition, as a precaution, even if there is an aspect of performing an operation different from the operation described in this specification in any method, program, terminal, device, server, or system (hereinafter, “method etc.”), The aspect is intended for the same operation as any one of the operations described in the present specification, and the existence of an operation different from the operation described in the present specification means that the method etc. It is added that it does not fall outside the scope of the embodiment.

(Second embodiment)
In this embodiment, it is possible to transfer money from the balance of the first prepaid card of the first craftsman to the balance of the second prepaid card of the second craftsman. First, the first craftsman makes a remittance request to the management device 210 (S601). The remittance request includes the name or user id of the second craftsman of the remittance partner and the remittance amount. The management device 210 updates the association between a plurality of craftsmen and the balance of the prepaid card of each craftsman, for example, on the condition that the remittance amount is less than or equal to the balance of the first prepaid card (S602). Then, the management device 210 transmits an update request for subtracting the balance of the first prepaid card and adding the balance of the second prepaid card to the settlement device 220 (S603). The settlement apparatus 220 updates the correspondence of the charge balance (S604), and sends a completion notice to the management apparatus 210 (S605). The second craftsman can confirm the charge balance on the application installed in the mobile terminal, for example. More specifically, the second craftsman can confirm the charge balance by performing communication for balance acquisition from the terminal to the management device 210 (S606).

By doing so, it is possible to easily transfer the charge balance of the prepaid card between users of the matching service provided by the management device 210.

110 craftsman terminal 120 orderer terminal 200 system 210 management device 211 communication unit 212 processing unit 213 storage unit 220 payment device

Claims (10)

A prepaid card management method,
A first step of receiving a charge request from a mobile terminal of a craftsman who is a user of the prepaid card;
Answer to the orderer terminal of the orderer of the business that generated the compensation claim of the craftsman sold according to the charge request, whether to approve the charge to the prepaid card based on the sale of the compensation claim. The second step of sending the requested charge request notification;
Receiving a response notification to the charge request notification from the orderer terminal,
A third step of updating the correspondence between one or more craftsmen and the balance of the prepaid card of each craftsman to reflect the charge when the response notification is affirmative. Method. The first to third steps are executed in a management device that provides a matching service between one or more craftsmen and one or more jobs or their orderers,
When the answer notification is affirmative, a step of transmitting an update notification for reflecting the charge to a payment device that is capable of communicating with the management device and is responsible for payment processing of the prepaid card, The management method according to claim 1, further comprising: The management method according to claim 1 or 2, wherein the charge request includes at least one of an amount of a compensation claim to be sold and a charge amount equal to or less than the amount of the compensation claim. 4. The management method according to claim 3, wherein the charge request includes designation of a business that generated a receivable to be sold or a part of the business. The management method according to claim 3, wherein the charge request includes designation of an orderer of a business that has generated a compensation claim to be sold. The management method according to claim 5, further comprising the step of identifying one of the remuneration claims for the designated orderer as a remuneration claim sold in response to the charge request. The management method according to any one of claims 1 to 6, further comprising a step of determining whether or not the compensation receivable sold in response to the charge request satisfies a condition for compensation receivable sale. The condition for selling the receivable claim is that the response notice is received within a predetermined number of days from the transmission of the charge request notice, and that the charge request is from the date of execution of the business that caused the receivable claim sold by the charge request. 8. The management method according to claim 7, further comprising at least one of reception before a predetermined number of days have passed. A program for causing a computer to execute a prepaid card management method, the management method comprising:
A first step of receiving a charge request from a mobile terminal of a craftsman who is a user of the prepaid card;
Answer to the orderer terminal of the orderer of the business that generated the compensation claim of the craftsman sold according to the charge request, whether to approve the charge to the prepaid card based on the sale of the compensation claim. The second step of sending the requested charge request notification;
Receiving a response notification to the charge request notification from the orderer terminal,
A program including a third step of updating the correspondence between one or more craftsmen and the balance of the prepaid card of each craftsman to reflect the charge when the response notification is affirmative. .. A management device for prepaid cards,
Receive a charge request from a mobile terminal of a craftsman who is a user of the prepaid card,
Answer to the orderer terminal of the orderer of the business that generated the compensation claim of the craftsman sold according to the charge request, whether to approve the charge to the prepaid card based on the sale of the compensation claim. Send the required charge request notification,
When the reply notification to the charge request notification received from the orderer terminal is affirmative, updating the association between one or more craftsmen and the balance of the prepaid card of each craftsman to reflect the charge. Management device characterized by.

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