JP2020173732A - Money transfer program, money transfer method, money transfer server and information processing terminal - Google Patents

Abstract

To automatically transfer money to an asset formation account.SOLUTION: A money transfer server receives a piece of settlement information associated with a first account. The money transfer server determines whether the received settlement information includes any discount information. When a piece of discount information is included, the money transfer server requests a counting system to perform a series of processing of transferring the discount amount corresponding to discount information from the first account to the second account. The first account is, for example, an account for withdrawal. The second account is, for example, an account for savings and an account for securities.SELECTED DRAWING: Figure 7

Description

The present invention relates to a transfer program, a transfer method, a transfer server, and an information processing terminal.

Conventionally, there is known a method of transferring a predetermined amount of money from a user's account to savings at predetermined intervals.

Japanese Unexamined Patent Publication No. 2006-277761

However, with the above method, it may be difficult to automatically transfer funds to an asset formation account. For example, if the user wants to transfer to an asset formation account at a timing different from the fixed period, the user may need to perform the procedure manually.

In one aspect, the purpose is to automatically transfer to an asset-building account.

In one embodiment, the transfer program causes the computer to perform a process of receiving payment information associated with the first account. The transfer program causes the computer to execute a process of determining whether the received payment information includes discount information. The transfer program causes the computer to execute a process of requesting a core banking system to transfer the discount amount corresponding to the discount information from the first account to the second account when the discount information is included.

In one aspect, the transfer to the asset formation account can be done automatically.

FIG. 1 is a diagram showing an example of the functional configuration of the transfer system according to the embodiment. FIG. 2 is a diagram showing an example of the functional configuration of the information processing terminal according to the embodiment. FIG. 3 is a diagram showing an example of the functional configuration of the transfer server according to the embodiment. FIG. 4 is a diagram showing an example of account information. FIG. 5 is a diagram showing an example of a screen for displaying information related to payment. FIG. 6 is a diagram showing an example of a screen showing that the settlement has been completed. FIG. 7 is a diagram showing an example of a screen that accepts selections related to transfer. FIG. 8 is a diagram showing an example of a screen showing that the transfer has been completed. FIG. 9 is a flowchart showing a processing flow of the information processing terminal. FIG. 10 is a flowchart showing a processing flow of the transfer server. FIG. 11 is a diagram illustrating a hardware configuration example.

Hereinafter, examples of the transfer program, transfer method, transfer server, and information processing terminal according to the present invention will be described in detail with reference to the drawings. The present invention is not limited to this embodiment. In addition, each embodiment can be appropriately combined within a consistent range.

[Functional configuration]
The functional configuration of the transfer system according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of the functional configuration of the transfer system according to the embodiment. Here, as shown in FIG. 1, the transfer system 1 has an information processing terminal 10 and a transfer server 20.

The core banking system 30 connected to the transfer server 20 manages the first account 31 and the second account 32. The core banking system 30 processes deposits and withdrawals, transfers, and the like of the managed account. Further, the transfer server 20 can request a transfer from the core banking system 30.

Here, it is assumed that the first account 31 and the second account 32 are both accounts of the user of the information processing terminal 10. For example, the first account 31 is assumed to be an account for withdrawal of a credit card or the like. On the other hand, the second account 32 is assumed to be an account for asset formation such as a savings account or a securities account.

The user can make a payment at a shopping site or a physical store on the Web using the information processing terminal 10. The information processing terminal 10 transmits information related to settlement to the accounting system 30 or the like. Then, the settlement amount is deducted from the first account 31. The transfer server 20 may be a part of the core banking system 30.

When the user makes a payment using the information processing terminal 10, a predetermined amount may be discounted from the payment amount. Discounts may result from, for example, the use of points and coupons, and discounts by providers of goods or services to be settled.

When the payment is made with the discounted amount, the information processing terminal 10 transmits the discount information including the discount amount to the transfer server 20 together with the payment information related to the payment. The payment information includes the account number of the withdrawal account, the purchased product, the amount before discount, the discount amount, and the like. Further, the information processing terminal 10 may transmit payment information including discount information to the accounting system 30. In that case, the transfer server 20 can receive the settlement information via the accounting system 30.

When the transfer server 20 receives the payment information including the discount information, the transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32.

The functional configuration of the information processing terminal 10 will be described with reference to FIG. FIG. 2 is a diagram showing an example of the functional configuration of the information processing terminal according to the embodiment. As shown in FIG. 2, the information processing terminal 10 includes a communication unit 11, an input / output unit 12, a storage unit 13, and a control unit 14.

The communication unit 11 is an interface for performing data communication with other devices. For example, the communication unit 11 is a NIC (Network Interface Card). The input / output unit 12 is an input device such as a keyboard and a mouse, and an output device such as a display and a speaker. Further, for example, when the information processing terminal 10 is a smartphone, the input / output unit 12 may be a touch panel display.

The storage unit 13 is an example of a storage device that stores data, a program executed by the control unit 14, and the like, such as a hard disk and a memory.

In the control unit 14, for example, a program stored in an internal storage device is executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), or the like using the RAM as a work area. Is realized by. Further, the control unit 14 may be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array), for example. The control unit 14 includes a transmission unit 141 and a display control unit 142.

When the transmission unit 141 accepts the operation of confirming the payment, the transmission unit 141 transmits the payment information including the discount amount information to the transfer server 20 to transfer the discount amount from the first account 31 to the second account 32. To the accounting system 30.

The display control unit 142 displays the information related to the settlement associated with the first account 31 together with the discount amount. In addition, the display control unit 142 displays various screens according to the user's operation and the result of processing in the accounting system 30. The settlement associated with the first account 31 is, for example, a settlement in which the first account 31 is designated as the withdrawal destination.

The functional configuration of the transfer server 20 will be described with reference to FIG. FIG. 3 is a diagram showing an example of the functional configuration of the transfer server according to the embodiment. As shown in FIG. 3, the transfer server 20 includes a communication unit 21, a storage unit 23, and a control unit 24.

The communication unit 21 is an interface for performing data communication with other devices. For example, the communication unit 21 is a NIC.

The storage unit 23 is an example of a storage device that stores data, a program executed by the control unit 24, and the like, such as a hard disk and a memory. The storage unit 23 has account information 231.

The account information 231 is information in which the information of the first account and the information of the second account for each user are associated with each other. FIG. 4 is a diagram showing an example of account information. As shown in FIG. 4, the account information 231 includes an account number of a withdrawal account, an account number of a savings account, and an account number of a securities account for each user. Here, the withdrawal account is an example of the first account. The savings account and the securities account are examples of the second account.

For example, in the first line of FIG. 4, the account number of the withdrawal account of the user "Hanako" is "001-1111111", the account number of the savings account is "002-2222222", and the securities account. The account number is shown to be "003-3333333".

The control unit 24 is realized by, for example, a CPU, an MPU, a GPU, or the like executing a program stored in an internal storage device using a RAM as a work area. Further, the control unit 24 may be realized by an integrated circuit such as an ASIC or FPGA. The control unit 24 includes a reception unit 241, a determination unit 242, and a request unit 243.

The receiving unit 241 receives the payment information associated with the first account 31. The receiving unit 241 may receive the payment information from the information processing terminal 10, or may receive the payment information via the accounting system 30.

The determination unit 242 determines whether the received payment information includes discount information. For example, the determination unit 242 determines whether the received payment information includes discount information due to the use of points.

Further, even if the payment information does not include explicit discount information, the determination unit 242 may be able to determine that the discount has been made. For example, when information on the list price of a settled product or service is available, the determination unit 242 determines that a discount has been made if the settlement amount is lower than the list price, and further considers the difference as the discount amount. May be good. In this way, when it is determined by the determination unit 242 that the discount has been made, the request unit 243 performs the same processing as when it is determined that the payment information includes the discount information.

When the discount information is included, the requesting unit 243 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32. For example, when the request unit 243 includes discount information due to the use of points, the requesting unit 243 requests the accounting system 30 to transfer the discount amount corresponding to the number of points from the first account 31 to the second account 32. In addition, the requesting unit 243 is not limited to the discount amount corresponding to the number of points, but the discount amount by the coupon, the discount amount by the provider of the product or service, the amount deemed to be the discount amount by the judgment unit 242, etc. are transferred. You may ask.

[Example of transfer processing]
The processing flow of the entire transfer system 1 will be described while showing an example of a screen displayed by the information processing terminal 10. First, when a user makes a payment for a product or service using the information processing terminal 10, a screen for displaying information related to the payment as shown in FIG. 5 is displayed. FIG. 5 is a diagram showing an example of a screen for displaying information related to payment.

FIG. 5 is an example of a screen displayed when the user tries to purchase a "genuine leather sofa (for 3 people)" sold for "150,000 yen". In addition, FIG. 5 shows that the subtotal excluding tax was "145,000 yen" as a result of receiving a discount using the "5,000pt" points held by the user. Here, "1pt" is assumed to correspond to "1 yen".

Further, FIG. 5 shows that the number of products is "1", the subtotal including tax is "156,600 yen", and the payment category is "1 time". When the user presses the "purchase" button to confirm the payment, the information processing terminal 10 transmits the payment information to the accounting system 30 and the transfer server 20. At this time, the information processing terminal 10 includes the discount information that the usage point is "5,000 pt" in the payment information.

Then, when the payment is completed, the information processing terminal 10 displays a screen indicating that the payment has been completed. FIG. 6 is a diagram showing an example of a screen showing that the settlement has been completed. In FIG. 6, the subtotal including tax, shipping fee, handling fee, etc. are displayed, and further, it is displayed that the point to be used is "5,000 pt". Here, when the user presses the "OK" button, the information processing terminal 10 displays a screen for accepting selections regarding transfer.

FIG. 7 is a diagram showing an example of a screen that accepts selections related to transfer. As shown in FIG. 7, the information processing terminal 10 displays a transfer method option together with a message that the discount amount is "5,000 yen". For example, the information processing terminal 10 has a button 121a labeled "save", a button 122b labeled "buy securities", and "do nothing". The labeled button 123c, is displayed.

When the button 121a is pressed, the information processing terminal 10 transmits a message requesting the transfer of "5,000 yen" from the withdrawal account to the savings account to the transfer server 20.

At this time, the transfer server 20 requests the accounting system 30 to transfer "5,000 yen" from the withdrawal account to the savings account in response to the request from the information processing terminal 10. That is, the request unit 243 of the transfer server 20 transfers the discount amount from the first account 31 to the second account 32 when the payment information includes the discount information and the user's information processing terminal requests it. The accounting system 30 is requested to perform the transfer process.

When the button 122b is pressed, the information processing terminal 10 sends a message requesting the transfer of "5,000 yen" from the withdrawal account to the securities account to the transfer server 20.

In this case, both the savings account and the securities account can be the second account 32 of the transfer destination. Therefore, the requesting unit 243 requests the accounting system 30 to transfer the discount amount from the first account 31 to the second account 32 designated by the user's information processing terminal among the plurality of accounts.

Further, the requesting unit 243 can acquire the account number of each account by referring to the account information 231. Here, according to the example of FIG. 4, the account number of the withdrawal account of the user "Hanako" is "001-1111111", and the account number of the savings account is "002-2222222". Therefore, for example, when the user of the information processing terminal 10 is "Hanako" and the button 121a is pressed, the requesting unit 243 charges "5,000 yen" from the account whose account number is "001-1111111". Request to transfer to an account whose is "002-22222222".

Further, when the button 123c is pressed, the information processing terminal 10 ends the process without transmitting a message requesting transfer to the transfer server 20.

When the transfer request by the transfer server 20 is completed, the information processing terminal 10 displays a screen indicating that the transfer is completed. FIG. 8 is a diagram showing an example of a screen showing that the transfer has been completed. In the example of FIG. 8, the information processing terminal 10 indicates that the transfer destination account is a savings account and that the transfer amount is "5,000 yen".

[Processing flow]
The processing flow of the information processing terminal 10 will be described with reference to FIG. FIG. 9 is a flowchart showing a processing flow of the information processing terminal. As shown in FIG. 9, first, the information processing terminal 10 starts a predetermined application (step S101). Next, the information processing terminal 10 displays information related to payment (step S102).

Then, when the information processing terminal 10 receives the operation of confirming the payment (step S103), the information processing terminal 10 determines whether or not there is a discount in the payment (step S104). If there is no discount (step S104, No), the information processing terminal 10 transmits the payment information to the transfer server 20 (step S105).

On the other hand, when there is a discount (step S104, Yes), the information processing terminal 10 includes the discount information in the payment information (step S106). Further, the information processing terminal 10 receives an input for designating a transfer method from the user (step S107). Then, the information processing terminal 10 transmits the payment information including the discount information and the transfer request to the transfer server 20 (step S108).

The processing flow of the transfer server 20 will be described with reference to FIG. FIG. 10 is a flowchart showing a processing flow of the transfer server. As shown in FIG. 10, first, the transfer server 20 receives the payment information (step S201). Next, the transfer server 20 determines whether or not the payment information includes discount information (step S202). If the payment information does not include the discount information (step S202, No), the transfer server 20 ends the process. On the other hand, when the payment information includes discount information (step S202, Yes), the transfer server 20 requests the accounting system 30 to transfer (step S203).

[effect]
As described above, the transfer server 20 receives the payment information associated with the first account 31. The transfer server 20 determines whether the received payment information includes discount information. When the discount information is included, the transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32. In this way, the transfer server 20 automatically requests a transfer when a settlement occurs. Therefore, according to the embodiment, the transfer to the asset formation account can be automatically performed. In addition, since the payment to the asset formation account occurs at the same time as the expense is generated, the psychological burden on the user's expense can be suppressed according to the embodiment.

The transfer server 20 determines whether the received payment information includes discount information due to the use of points. When the transfer server 20 includes discount information due to the use of points, the transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the number of points from the first account 31 to the second account 32. In this way, the transfer server 20 automatically requests a transfer according to the use of points. Therefore, according to the embodiment, it is possible to automatically transfer to the asset formation account at the timing of using the points.

The transfer server 20 is a core banking system that transfers the discount amount from the first account 31 to the second account 32 when the payment information includes the discount information and the user's information processing terminal requests it. Ask 30. As a result, the transfer can be performed according to the user's wishes, and the convenience can be improved.

The transfer server 20 requests the accounting system 30 to transfer the discount amount from the first account 31 to the second account 32 designated by the user's information processing terminal among the plurality of accounts. As a result, it becomes possible to present a plurality of options to the user, and the convenience can be improved.

The information processing terminal 10 displays information related to the settlement associated with the first account together with the discount amount. When the information processing terminal 10 receives the operation of confirming the payment, the information processing terminal 10 transmits the payment information including the discount amount information to the server to transfer the discount amount from the first account 31 to the second account 32. Ask the accounting system 30. In this way, the information processing terminal 10 can automatically generate a trigger for requesting a transfer in accordance with the occurrence of payment. Therefore, according to the embodiment, the transfer to the asset formation account can be automatically performed.

In the above embodiment, the transfer server 20 requests the transfer to the core banking system 30, but the transfer request may be made by the information processing terminal 10. Further, in the above embodiment, the transfer server 20 uses the discount amount as the transfer amount as it is, but the transfer server 20 may use the amount specified by the user as the transfer amount among the discount amounts.

[system]
Information including processing procedures, control procedures, specific names, and various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. In addition, the specific examples, distributions, numerical values, etc. described in the examples are merely examples and can be arbitrarily changed.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific forms of distribution and integration of each device are not limited to those shown in the figure. That is, all or a part thereof can be functionally or physically distributed / integrated in an arbitrary unit according to various loads, usage conditions, and the like. Further, each processing function performed by each device may be realized by a CPU and a program analyzed and executed by the CPU, or may be realized as hardware by wired logic.

[hardware]
FIG. 11 is a diagram illustrating a hardware configuration example. As shown in FIG. 11, the transfer server 20 includes a communication interface 20a, an HDD (Hard Disk Drive) 20b, a memory 20c, and a processor 20d. Further, the parts shown in FIG. 11 are connected to each other by a bus or the like.

The communication interface 20a is a network interface card or the like, and communicates with another server. The HDD 20b stores a program or DB that operates the function shown in FIG.

The processor 20d reads a program that executes the same processing as each processing unit shown in FIG. 3 from the HDD 20b or the like and expands it in the memory 20c to operate a process that executes each function described in FIG. 1 or the like. That is, this process executes the same function as each processing unit of the transfer server 20. Specifically, the processor 20d reads a program having the same functions as the receiving unit 241 and the determining unit 242 and the requesting unit 243 from the HDD 20b or the like. Then, the processor 20d executes a process of executing the same processing as the receiving unit 241 and the determination unit 242 and the requesting unit 243. The processor 20d is, for example, a hardware circuit such as a CPU, an MPU, or an ASIC.

In this way, the transfer server 20 operates as an information processing device that executes the classification method by reading and executing the program. Further, the transfer server 20 can realize the same function as that of the above-described embodiment by reading the program from the recording medium by the medium reading device and executing the read program. The program referred to in the other embodiment is not limited to being executed by the transfer server 20. For example, the present invention can be similarly applied when another computer or server executes a program, or when they execute a program in cooperation with each other.

This program can be distributed via a network such as the Internet. In addition, this program is recorded on a computer-readable recording medium such as a hard disk, flexible disk (FD), CD-ROM, MO (Magneto-Optical disk), or DVD (Digital Versatile Disc), and is recorded from the recording medium by the computer. It can be executed by being read.

1 Transfer system 10 Information processing terminal 11, 21 Communication unit 12 Input / output unit 13, 23 Storage unit 14, 24 Control unit 20 Transfer server 141 Transmission unit 142 Display control unit 231 Account information 241 Reception unit 242 Judgment unit 243 Request unit

Claims (9)

On the computer
Receive the payment information associated with the first account,
It is determined whether the received payment information includes discount information, and
When the discount information is included, the accounting system is requested to transfer the discount amount corresponding to the discount information from the first account to the second account.
A transfer program characterized by executing processing. The determination process determines whether the received payment information includes discount information due to the use of points.
When the requesting process includes discount information due to the use of the points, the requesting process requests the core banking system to transfer the discount amount corresponding to the number of points from the first account to the second account.
The transfer program according to claim 1, wherein the transfer program is characterized in that. The requesting process is a process of transferring the discount amount from the first account to the second account when the payment information includes the discount information and the user's information processing terminal requests. Ask the accounting system,
The transfer program according to claim 1 or 2, characterized in that. The requesting process requests the core banking system to transfer the discount amount from the first account to the second account designated by the user's information processing terminal among the plurality of accounts.
The transfer program according to any one of claims 1 to 3, wherein the process is executed. On the computer
Display information about payment associated with the first account along with the discount amount
When the operation to confirm the settlement is accepted, the accounting system is requested to transfer the discount amount from the first account to the second account by transmitting the settlement information including the discount amount information to the server. ,
A transfer program characterized by executing processing. The computer
Receive the payment information associated with the first account,
It is determined whether the received payment information includes discount information, and
When the discount information is included, the accounting system is requested to transfer the discount amount corresponding to the discount information from the first account to the second account.
A transfer method characterized by executing a process. The computer
Display information about payment associated with the first account along with the discount amount
When the operation to confirm the settlement is accepted, the accounting system is requested to transfer the discount amount from the first account to the second account by transmitting the settlement information including the discount amount information to the server. ,
A transfer method characterized by executing a process. A receiver that receives payment information associated with the first account,
A determination unit that determines whether the received payment information includes discount information,
When the discount information is included, a requesting unit that requests the core banking system to transfer the discount amount corresponding to the discount information from the first account to the second account.
A transfer server characterized by having. A display control unit that displays information about payments associated with the first account along with the discount amount,
When the operation to confirm the settlement is accepted, the accounting system is requested to transfer the discount amount from the first account to the second account by transmitting the settlement information including the discount amount information to the server. With the transmitter
An information processing terminal characterized by having.

Images